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 61–75 results in Maryland
- 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 - LM Federal Credit UnionRegular Certificate AccountsCD · 12 months · $500 min · 3.50%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Dividends compounded and paid monthly. Early withdrawal penalty applies (3 months dividends for terms < 12 months, 6 months dividends for terms >= 12 months; minimum penalty $10 for withdrawals < $5,000, $20 for >= $5,000). Fixed rate during term. Automatically renewable. Additional deposits not permitted during term except during 7-day grace period after maturity. Monthly interest check available on accounts of $5,000 or greater.
Offer: Promotional certificate. Limit of $24,999.99 in total promotional certificate deposits per member. May be opened in-person or by telephone. Offer expires October 16, 2026.
3.93% interest rate · Effective Sep 4, 2026
Rate by balance
Rate by balance for Regular Certificate Accounts Balance APY $500 – $25,000Your amount 4.00% $25,000 and up 3.50% 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 - 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.
Qualified rate · Effective Sep 24, 2026
Rate checked
More details - 4.00%APY$571 over 17 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
Rate checked
More details - Northrop Grumman Federal Credit UnionCertificatesCD · 24 months · $2,500 min
Credit union · 3 branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.96%APY$600 over 18 months on $10,000
Requirements
Product: There is a substantial penalty for early withdrawal. Fixed interest rate for the specified term. FDIC-insured up to $250,000. Fees may reduce earnings.
3.90% interest rate · Effective Aug 3, 2026
Rate checked
More details - 3.90%APY$324 over 10 months on $10,000
Requirements
Product: Minimum deposit for most certificates is $500 ($100 for 12 Month Accumulator). Preferred rates require eStatements (and direct deposit of net pay / at least $500/month for standard terms). Dividends are compounded daily and credited monthly.
Offer: Preferred APY includes a 0.10% premium. Enrollment/activation of eStatements is required to receive this premium. APY will decrease if eStatements are discontinued.
Compounded daily · Effective Oct 3, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 90 days interest for terms <= 12 months, 180 days interest for terms > 12 months.
3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Compounded and credited monthly. Minimum balance to open is $10,000. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity.
Offer: 12 Month Jumbo CD. Interest compounded and credited monthly.
Effective Oct 3, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Compounded and credited monthly. Minimum balance to open is $500. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity.
Offer: 12 Month Standard CD. Interest compounded and credited monthly.
Effective Oct 3, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Dividends paid monthly. Substantial early withdrawal penalties apply. $1,000 minimum deposit.
Offer: Dividends paid monthly. Substantial penalty may apply for early withdrawal.
3.83% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.85%APY$191 over 6 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 182 days (~6 months).
Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$287 over 9 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 4 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 4 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Effective Oct 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
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 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%
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Find your bank or credit union to see all its rates and how they compare near you.
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