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 16–22 results in Ocean Pines, MD metro
- 3.25%APY$161 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Penalty may be imposed for early withdrawal.
3.21% interest rate · Effective Oct 5, 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 · 1 branch
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 - 3.00%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
Rate checked
More details - 2.00%APY$166 over 10 months on $10,000
Requirements
Product: Offers one penalty-free withdrawal of principal and interest during the term. Penalty may be imposed for additional early withdrawals. Interest credited quarterly.
Offer: A one-time, penalty-free withdrawal may be made during the term. Penalty may be imposed for additional early withdrawals.
1.99% interest rate
Rate checked
More details - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Additional deposits may be made anytime during the Add-To CD's term. Early withdrawal penalty may be imposed. Not available for IRAs.
Offer: Additional deposits may be made anytime during your Add-To CD's term. Early withdrawal penalty may be imposed.
2.00% interest rate
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
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 Ocean Pines, MD metro
114 CDs at 11 banks and credit unions · checked Oct 4–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.80%
- Credit unions, typical
- 3.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Ocean Pines, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Shore FederalBank · 3 branches