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 16–30 results in Baltimore, MD
- 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Securityplus Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000Requirements
Product: Minimum initial opening deposit of $1,000. Early withdrawal penalties may apply.
Offer: Minimum Funding Requirement: $1,000.
3.69% interest rate
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 - Five Star Federal Credit UnionRegular Share CertificatesCD · 48 months · $500 min
Credit union · 2 branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Earnings are paid using Average Daily Balance method and credited and compounded quarterly. Minimum deposit is $500. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.
3.50% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - MECU Credit UnionSuperFlex Certificate of Deposit (CD)CD · 11 months · $5,000 min
Credit union · 3 branches
3.50%APY$320 over 11 months on $10,000Requirements
Product: Minimum opening deposit of $5,000. Build investment with automatic transfers from another MECU account. No withdrawals until 7 business days after initial deposit or additional deposits. Only one withdrawal without paying penalty permitted; withdrawal must leave balance of at least $1,000. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date. MECU membership eligibility required.
Offer: Minimum opening deposit $5,000; minimum balance to earn interest is $1,000. Only one withdrawal without paying penalty permitted; withdrawal must leave balance of at least $1,000. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date.
Effective Oct 3, 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$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% 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 - 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 - MECU Credit UnionAuto-Build Certificate of Deposit (CD)CD · 12 months · $25 min
Credit union · 3 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 · 3 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
Rate checked
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 - 2.00%APY$101 over 6.066666666666666 months on $10,000
1.98% interest rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 11 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 - 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
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
292 CDs at 21 banks and credit unions · checked Oct 4–22
- Typical
- 2.00%
- Top 10% from
- 3.90%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.25%
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