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 16–29 results in Hagerstown, MD-WV metro
- 3.75%APY$343 over 11 months on $10,000with conditions
Requirements
Product: Standard CDs have a $500 minimum opening deposit. Specials require a $5,000 minimum deposit, relationship eligibility, and are available to current City customers only.
Offer: Relationship special. Available to current City customers only with one of: 1 year+ checking or savings account, a money market account, a new checking with direct deposit, or a loan.
Qualified rate · 3.70% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.70%APY$560 over 18 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit to open and earn interest. Interest is compounded daily. A penalty may be imposed for early withdrawal.
Offer: 18 Month CD term. Interest compounded daily. Penalty for early withdrawal.
3.63% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - Bayer Heritage Federal Credit UnionShare CertificatesCD · 12 months · $100 min
Credit union · 1 branch
3.55%APY$355 over 1 year on $10,000Requirements
Product: Add to certificate balance at any time; 10-day grace period; early withdrawal penalties apply.
3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.35%APY$250 over 9 months on $10,000
Requirements
Product: Standard Certificate of Deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.
3.30% interest rate
Rate checked
More details - 3.30%APY$499 over 18 months on $10,000
Requirements
Product: 18 Months term only. One monthly deposit, $500.00 minimum. Penalty may be imposed for early withdrawal.
Offer: 18 Months term only. One monthly deposit, $500.00 minimum. Compounded daily. Early withdrawal penalty of 90 days.
3.25% interest rate · Compounded daily · Effective Oct 14, 2026
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More details - 3.26%APY$493 over 18 months on $10,000
3.25% interest rate · Effective Oct 16, 2026
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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
Rate checked
More details - 2.35%APY$1,232 over 60 months on $10,000
Requirements
Product: Rates are subject to change. Certain new money restrictions apply. Not all available terms and rates are listed. Maturity periods range from 30 days to five years.
Offer: Certain new money restrictions apply.
Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $5,000 2.30% $5,000 – $25,000Your amount 2.35% Rate checked
More details - Patriot Federal Credit Union9 Month No Penalty CertificateCD · 9 months · $10,000 min · 2.20%–2.30% by balance
Credit union · 3 branches
2.20%APY$165 over 9 months on $10,000Requirements
Product: Penalty for early withdrawal. Dividend earnings based on minimum tier balance.
Offer: Tier $10,000-$24,999.
Effective Sep 2, 2026
Rate by balance
Rate by balance for 9 Month No Penalty Certificate Balance APY $10,000 – $24,999Your amount 2.20% $25,000 – $99,999 2.20% $100,000 – $250,000 2.25% Over $250,000 2.30% Rate checked
More details - 2.02%APY$185 over 11 months on $10,000
Requirements
Product: Allows adding to the CD balance at any time. Early withdrawal penalty may be imposed. Fixed interest rate for the specified term.
2.00% interest rate · Effective Aug 3, 2026
Rate checked
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.
Rate checked
More details - Washington County Teachers Federal Credit UnionTerm Share Certificates (CDs)CD · 24 months · $1,000 min
Credit union · 3 branches
2.00%APY$404 over 24 months on $10,000Requirements
Product: Dividends are compounded monthly and paid monthly or on maturity (per Rates & Fees) or compounded daily and credited monthly (per Deposit Accounts), and may be added to certificate balance, transferred to savings, or paid by check. Minimum balance of $1,000 is required to open and maintain. Terms available from 12 months to 3 years. Once opened, no additions can be made until maturity. Early withdrawal penalty is 5% of the amount withdrawn. APYs assume dividends are retained in the certificate.
1.98% interest rate · Compounded daily · Effective Feb 1, 2026
Rate checked
More details - 0.15%APY$15 over 1 year on $10,000
0.15% interest rate · Effective Jun 1, 2017
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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