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 1–15 results in Hagerstown, MD-WV metro
- Patriot Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 4.40%–4.60% by balance
Credit union · 3 branches
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Offer: Penalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance.
Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 4.40% $10,000 – $24,999Your amount 4.50% $25,000 – $99,999 4.50% $100,000 – $250,000 4.55% Over $250,000 4.60% Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 3 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.18%APY$1,078 over 30 months on $10,000intro rate
Requirements
Product: Low minimum deposit of $500.00 for CDs of 18 months or shorter, $1,000.00 for 24-60 month CDs. Terms range from 91 days to 60 months. Penalty for early withdrawal. Interest may be compounded, transferred to another account, or sent by check.
Offer: Compounded daily. Early withdrawal penalty of 90 days. Three withdrawals per year with penalty.
Promotional rate · 4.10% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - 4.11%APY$803 over 23 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: $500 required to open a Certificate of Deposit, $100 for add-on CD, $100,000 for jumbo CD. Early withdrawal penalty may apply. Membership eligibility required.
4.04% interest rate · Effective Aug 26, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.
Offer: Requires $10,000 minimum balance in new money to the bank.
Promotional rate · 3.92% interest rate · Effective May 21, 2026
Rate checked
More details - 4.00%APY$571 over 17 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
Rate checked
More details - 3.96%APY$600 over 18 months on $10,000
Requirements
Product: There is a substantial penalty for early withdrawal. Fixed interest rate for the specified term. FDIC-insured up to $250,000. Fees may reduce earnings.
3.90% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - Mountain Heritage Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · 2 branches
3.81%APY$1,187 over 36 months on $10,0003.75% interest rate
Rate checked
More details - Patriot Federal Credit Union8 Month Share CertificateCD · 8 months · $10,000 min
Credit union · 3 branches
3.80%APY$252 over 8 months on $10,000Requirements
Product: Penalty for early withdrawal. Dividend earnings based on minimum tier balance. Not available in IRA.
Offer: Tier $10,000-$24,999.
Effective May 29, 2026
Rate checked
More details - 3.80%APY$412 over 13 months on $10,000intro rate
Requirements
Product: Special promotional CD offering. A minimum opening deposit of $500 is required. Penalty may be imposed for early withdrawal. Fixed interest rate for the specified term.
Promotional rate · 3.75% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.75%APY$312 over 10 months on $10,000intro rate
Requirements
Product: Limited-time offer. Open online.
Offer: Limited-time offer. Open online.
Promotional rate
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 Hagerstown, MD-WV metro
179 CDs at 19 banks and credit unions · checked Oct 16–22
- Typical
- 2.25%
- Top 10% from
- 4.00%
- Banks, typical
- 2.02%
- Credit unions, typical
- 3.50%
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Hagerstown, MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Washington County Teachers Federal Credit UnionCredit union · 3 branches
- 167th TFR Federal Credit UnionCredit union · 2 branches
- Bulldog Federal Credit UnionCredit union · 6 branches