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 16–25 results in Waldorf, MD
- Andrews Federal Credit UnionFixed Rate Share CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.70%APY$370 over 1 year on $10,000Requirements
Product: Must open and maintain a minimum $1,000 balance to earn advertised 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 $1,000 balance to earn advertised APY. Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Minimum balance required to open and earn stated dividends is $500. A penalty may be imposed for early withdrawal.
3.64% interest rate
Rate checked
More details - Andrews Federal Credit UnionRaise Your Rate Share CertificateCD · 24 months · $1,000 min
Credit union · 1 branch
3.70%APY$754 over 24 months on $10,000Requirements
Product: Offers up to a maximum of 3 opportunities to request a rate raise to the current Fixed Rate Share Certificate rate of the same term. Account must be opened for at least 6 months before first rate raise, and at least 6 months between raises. Minimum $1,000 deposit and balance. Dividends compounded and credited quarterly. Early withdrawal penalties apply.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - Cedar Point Federal Credit UnionSoMD Saver CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
3.44%APY$171 over 6 months on $10,000intro rateRequirements
Product: Promotional 6-month certificate account. Fixed dividend rate of 3.40% yielding 3.44% APY. Automatically renews at the posted 6-month standard rate at the time of maturity. Early withdrawal penalty fee applies. Funds cannot be deposited into existing accounts until maturity.
Offer: Automatically renews at the posted 6-month standard rate at the time of maturity, which may be different than this promotional rate.
Promotional rate · 3.40% interest rate
Rate checked
More details - Cedar Point Federal Credit UnionEasy Builder Short Term Certificate AccountCD · 6 months · $50 min
Credit union · 1 branch
3.44%APY$171 over 6 months on $10,000Requirements
Product: Deposits allowed at any time. Renews at then current corresponding regular certificate rate when balance is at least $1,000.00 on maturity date.
Offer: Young Investor Option
3.40% interest rate · Effective Jan 26, 2026
Rate checked
More details - Cedar Point Federal Credit UnionShort Term Certificate AccountCD · 6 months · $1,000 min
Credit union · 1 branch
3.44%APY$171 over 6 months on $10,000Requirements
Product: APY assumes reinvestment at the same term for 12 months. Early withdrawal penalty applies. Funds cannot be deposited into existing accounts until maturity.
Offer: APY assumes reinvestment at the same term for 12 months
3.40% interest rate · Effective Jan 26, 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 - 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 - Andrews Federal Credit UnionGenerator Share CertificateCD · 36 months · $50 min
Credit union · 1 branch
0.75%APY$227 over 36 months on $10,000Requirements
Product: Unlimited deposits: add funds anytime during term in branch, via automatic direct deposits, and online (transfers from another share). Minimum $50 deposit to open and maintain balance to earn advertised APY. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $50 balance to earn advertised APY. Unlimited deposits allowed anytime during term. Early withdrawal penalties apply.
0.75% 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 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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