Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 61–75 results in Baltimore, MD metro
- APG Federal Credit UnionStep Up Savings CertificateCD · 25 months · $100 min
Credit union · 13 branches
3.25%APY$689 over 25 months on $10,000intro rateRequirements
Product: During the term, you can 'step up' to a current, higher rate. Your new rate will be effective from the change date until the end of the original term. No additional deposits permitted. Dividends are compounded and credited quarterly on the daily balance. Early withdrawal penalties and fees may reduce earnings.
Promotional rate · 3.21% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - First Financial Federal Credit UnionCertificate Builder – (Share)CD · 11 months · $100 min · up to $10,000
Credit union · 8 branches
3.10%APY$284 over 11 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. One-time penalty-free withdrawal after 7 days. Additional deposits may be made prior to maturity. Principal balance or additional deposits after opening may not exceed $10,000. Deposits exceeding maximum balance may be distributed to a new Certificate Builder account. Automatically renews to like terms upon maturity.
Offer: One time penalty free withdrawal after 7 days. Additional deposits allowed prior to maturity up to $10,000 maximum balance.
3.05% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - 3.09%APY
Requirements
Product: Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty may apply. Automatic renewal at maturity. No additional deposits or principal withdrawals permitted during term. Fees may apply and could reduce earnings.
3.05% interest rate · Effective Sep 21, 2026
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More details - 3.00%APY$74 over 3 months on $10,000
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
2.96% interest rate · Effective Oct 16, 2026
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More details - The Bank of Glen BurnieSmart Growth Flex CDCD · 11 months · $500 min · 3.00%–4.00% by balance
Bank · 6 branches
3.00%APY$275 over 11 months on $10,000Requirements
Product: Allows adding money to your CD during the term (minimum $100 per deposit). One penalty-free withdrawal permitted during the term; if withdrawal brings balance below minimum opening required balance, the CD is closed and penalty imposed. Additional withdrawals result in penalties. Withdrawals made within first 6 days subject to 7-day early withdrawal penalty.
Offer: Standard Flex CD tier.
2.96% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Smart Growth Flex CD Balance APY $500 and upYour amount 3.00% $25,000 and upPremier Flex CD tier. 4.00% Rate checked
More details - MECU Credit UnionAuto-Build Certificate of Deposit (CD)CD · 12 months · $25 min
Credit union · 9 branches
2.80%APY$280 over 1 year on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.
Offer: Minimum balance to earn stated APY is $25.
Effective Oct 22, 2026
Rate checked
More details - MECU Credit UnionBump-Up Certificate of Deposit (CD)CD · 48–60 months · $500 min
Credit union · 9 branches
2.60%APYRequirements
Product: Allows locking in a higher interest rate during term. Membership eligibility required. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date.
Offer: Minimum balance to earn stated APY is $500.
Effective Oct 22, 2026
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More details - 2.53%APY$1,331 over 60 months on $10,000
Requirements
Product: A minimum deposit of $1,000.00 is required to open and credit interest. The following conditions apply: Interest is compounded daily and credited monthly Terms from 4 to 60 months available with automatic renewal Interest is at a fixed rate during the term of the certificate. Penalty may be imposed on early withdrawal of Certificate of Deposit. Fees could reduce earnings.
2.50% interest rate · Compounded daily · Effective Oct 22, 2026
Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
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More details - 2.35%APY
Requirements
Product: Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 180 days interest.
2.32% interest rate · Effective Oct 15, 2026
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More details - 2.30%APY$706 over 36 months on $10,000
Requirements
Product: Variable rate accounts with a one-time bump-up option during the term to the rate in effect for the term's Bump-Up CD. Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 180 days interest.
2.27% interest rate · Effective Oct 15, 2026
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More details - 2.00%APY$101 over 6.066666666666666 months on $10,000
1.98% interest rate
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More details - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Open at nearest United Bank branch. Minimum opening deposit is $500.
Offer: Open at nearest United Bank branch.
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 43 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Baltimore, MD metro
613 CDs at 51 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.10%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.60%
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Find your bank or credit union to see all its rates and how they compare near you.
Baltimore, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 15 branches
- Freedom Federal Credit UnionCredit union · 8 branches