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 16–23 results in Frederick, MD
- 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 - 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Offer: Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
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 - 0.10%APY$1 over 1 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 30 days interest. 1 business day grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 30 days interest. 1 business day grace period. Interest compounded and credited at maturity. Term is 30 days (~1 month).
Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$2 over 2 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 30 days interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 30 days interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 60 days (~2 months).
Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$2 over 3 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 90 days (~3 months).
Effective Oct 1, 2026
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 Frederick, MD
112 CDs at 9 banks and credit unions · checked Oct 4–22
- Typical
- 2.88%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.65%
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Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches