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 76–83 results in Baltimore, MD metro
- 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.
Effective Sep 24, 2026
Rate checked
More details - 1.19%APY$361 over 36 months on $10,000
Requirements
Product: Fees, early withdrawal penalties, or other conditions may reduce earnings. Minimum deposit must be maintained to earn interest. Quoted interest rates and APY are subject to change daily at the discretion of the Board of Directors.
1.18% interest rate · Effective Jan 16, 2024
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal, and fees could reduce earnings on the account.
0.99% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.60%APY$304 over 60 months on $10,000
Requirements
Product: $500 minimum to open and obtain APY. Dividends compounded and credited monthly based on average daily balance. Early withdrawal penalty applies (90 days' dividends for 3-6 months; 180 days' dividends for 12+ months). Option to automatically renew for the same term at current rate.
Effective Sep 1, 2021
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
Requirements
Product: The rate is fixed for the term of the certificate. An early withdrawal penalty may be imposed. Fees may reduce earnings. Automatic renewals at maturity.
Offer: Compounding frequency: Monthly.
0.40% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
More details - USAA Federal Savings BankAdjustable Rate Certificate of DepositCD · 36 months · $1,000 min
Bank · 1 branch
0.01%APY$3 over 36 months on $10,000Requirements
Product: Allows a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. Exclusively for USAA members. Early withdrawal penalty applies. Minimum initial deposit: $1,000 for Standard, $95,000 for Jumbo, $175,000 for Super Jumbo.
Offer: Standard CD, 3 years term.
0.01% interest rate · Effective Oct 3, 2026
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%
Is your bank paying you enough?
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