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 136–150 results in Maryland
- First Financial Federal Credit UnionCertificate Builder – (Share)CD · 11 months · $100 min · up to $10,000
Credit union · 10 branches
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 - 3.09%APY
Requirements
Product: Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty may apply. Automatic renewal at maturity. No additional deposits or principal withdrawals permitted during term. Fees may apply and could reduce earnings.
3.05% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.05%APY$305 over 1 year on $10,000intro rate
Requirements
Product: Access money or withdraw principal and interest without penalty on interest crediting dates (every 90 days) and the 7 days thereafter. Minimum opening balance $2,500.
Offer: Interest rate of 3.00% for 4th 90 days period. Full product term is 12 months.
Promotional rate · 3.00% interest rate · Effective Sep 17, 2026
Rate checked
More details - WSSC Federal Credit Union9 Month Add-on CertificateCD · 9 months · $100 min
Credit union · 3 branches
3.03%APY$226 over 9 months on $10,000Requirements
Product: Make recurring deposits of at least $15 through payroll deduction. Only available on this term and through payroll deduction. A penalty will or may be imposed for early withdrawal.
Offer: Fixed Rate. Make recurring deposits of at least $15 through payroll deduction. Only available on this term and through payroll deduction. A penalty will or may be imposed for early withdrawal.
3.00% interest rate · Effective Apr 29, 2026
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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
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More details - The Bank of Glen BurnieSmart Growth Flex CDCD · 11 months · $500 min · 3.00%–4.00% by balance
Bank · 6 branches
3.00%APY$275 over 11 months on $10,000Requirements
Product: Allows adding money to your CD during the term (minimum $100 per deposit). One penalty-free withdrawal permitted during the term; if withdrawal brings balance below minimum opening required balance, the CD is closed and penalty imposed. Additional withdrawals result in penalties. Withdrawals made within first 6 days subject to 7-day early withdrawal penalty.
Offer: Standard Flex CD tier.
2.96% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Smart Growth Flex CD Balance APY $500 and upYour amount 3.00% $25,000 and upPremier Flex CD tier. 4.00% Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Combination of FDIC-insured CDs working together as one investment with terms ranging from 6 to 120 months. Access to maturing CD every 6 or 12 months. Minimum opening deposit $3,000 for ladder ($1,000 per certificate).
Effective Sep 17, 2026
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More details - 3.00%APY$1,593 over 60 months on $10,000intro rate
Requirements
Product: Penalty imposed for early withdrawal. Minimum opening balance $2,500 (or $50 online promotional offer on 13-month CD). Terms 7, 13, 25, and 49 months require a minimum new money increase of $25,000 based on average daily balances during past 30 days for promotional rates; maximum $1,000,000 per customer for promotional rate and term. Available to residents in Dollar Bank's PA and MD market areas.
Promotional rate · Effective Sep 17, 2026
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More details - MECU Credit UnionAuto-Build Certificate of Deposit (CD)CD · 12 months · $25 min
Credit union · 9 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
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More details - MECU Credit UnionBump-Up Certificate of Deposit (CD)CD · 48–60 months · $500 min
Credit union · 9 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
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More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
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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
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More details - 2.35%APY
Requirements
Product: Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 180 days interest.
2.32% interest rate · Effective Oct 15, 2026
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More details - 2.35%APY$1,232 over 60 months on $10,000
Requirements
Product: Rates are subject to change. Certain new money restrictions apply. Not all available terms and rates are listed. Maturity periods range from 30 days to five years.
Offer: Certain new money restrictions apply.
Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $5,000 2.30% $5,000 – $25,000Your amount 2.35% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Maryland
1,074 CDs at 98 banks and credit unions · checked Oct 16–22
- Typical
- 3.19%
- Top 10% from
- 4.09%
- Banks, typical
- 2.02%
- Credit unions, typical
- 3.55%
Is your bank paying you enough?
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Maryland
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 13 branches
- Tower Federal Credit UnionCredit union · 17 branches
- EagleBankBank · 7 branches