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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 Waldorf, MD
- Andrews Federal Credit UnionSpecial 15-Month Share CertificateCD · 15 months · $500 min
Credit union · 1 branch
4.40%APY$553 over 15 months on $10,000with conditionsRequirements
Product: Must be opened with existing maturing Andrews Federal share certificate funds or must be new money, not currently vested within the Credit Union. Maximum balance allowed is $250,000. Limited time offer. At maturity, all 15-Month Share Certificates automatically renew to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.
Offer: Minimum of $500 to open and maintain account as well as earn the advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal share certificate funds or new money. Limited time offer. No penalties apply for early withdrawal. At maturity, automatically renews to a 12-Month share certificate.
Qualified rate · 4.33% interest rate · Balance cap $250,000
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
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 - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: Minimum balance to open and earn promotional rate is $500. A penalty may be imposed for early withdrawal of funds. Fees could reduce earnings.
Promotional rate · Effective Aug 17, 2026
Rate checked
More details - Andrews Federal Credit UnionSpecial 13-Month Share CertificateCD · 13 months · $500 min
Credit union · 1 branch
4.15%APY$450 over 13 months on $10,000intro rateRequirements
Product: Must be opened with existing maturing Andrews Federal share certificate funds or new money not currently vested with the Credit Union. Maximum balance is $250,000. Limited time offer. Automatically renews at maturity to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.
Offer: Minimum of $500 to open and maintain account to earn advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal certificate funds or new money. No early withdrawal penalty. At maturity automatically renews to 12-month share certificate.
Promotional rate · 4.09% interest rate · Balance cap $250,000
Rate checked
More details - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 2 branches
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - Cedar Point Federal Credit Union13 Month Special Certificate OfferCD · 13 months · $1,000 min
Credit union · 1 branch
4.06%APY$441 over 13 months on $10,000intro rateRequirements
Product: Cannot be opened using funds from previously opened certificate accounts except at maturity. Auto-renews to corresponding regular 12-month certificate rate and term. APY assumes reinvestment at same term for 12 months.
Offer: Cannot be opened using funds from previously opened certificate accounts except at maturity. Auto-renews for 12 months. APY assumes reinvestment at same term for 12 months.
Promotional rate · 4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - Cedar Point Federal Credit UnionLong Term Certificate AccountCD · 12 months · $1,000 min
Credit union · 1 branch
4.01%APY$401 over 1 year on $10,000Requirements
Product: Rates fixed for the entire term. Penalty charged for early withdrawal. Funds cannot be deposited into existing accounts until maturity.
3.95% interest rate · Effective Oct 9, 2026
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More details - Cedar Point Federal Credit UnionEasy Builder Long Term Certificate AccountCD · 12 months · $50 min
Credit union · 1 branch
4.01%APY$401 over 1 year on $10,000Requirements
Product: Deposits allowed at any time. Deposits of at least $25.00 per month by automatic transfer are required. Renews at then current corresponding regular certificate rate when balance is at least $1,000.00 on maturity date.
Offer: Young Investors Option. Deposits of at least $25.00 per month by automatic transfer are required.
3.95% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY
Requirements
Product: Fixed rate. Rates and minimum balance may vary by term. Early withdrawal penalties apply.
Offer: Fixed rate. Any withdrawal(s) from the account during the term will be subject to a penalty of 90 days of interest. Fees could reduce earnings.
3.92% interest rate · Effective Sep 1, 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 - 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 - Andrews Federal Credit UnionJumbo Fixed Rate Share CertificatesCD · 12 months · $10,000 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000Requirements
Product: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply.
3.70% interest rate
Rate checked
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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 Waldorf, MD
119 CDs at 10 banks and credit unions · checked Oct 4–22
- Typical
- 2.95%
- Top 10% from
- 4.01%
- Banks, typical
- 1.26%
- Credit unions, typical
- 3.70%
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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
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