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 1–15 results in Ocean Pines, MD metro
- First Financial Federal Credit UnionFinancial Dimensions Client Certificate SpecialCD · 7 months · $500 min
Credit union · 1 branch
5.00%APY$289 over 7 months on $10,000with conditionsRequirements
Product: Limited-time offer. Dividends compounded daily and credited monthly. Early withdrawal penalties apply. Must have $500,000 or more in assets under Financial Dimensions management. Limited to one certificate per household. Maximum opening amount is $100,000. Will not automatically renew at maturity; entire balance will be transferred to share 01 Savings, Traditional IRA Savings, or Roth IRA Savings account. Cannot be opened through Online or Mobile Banking.
Offer: Must have $500,000 or more in assets under Financial Dimensions management. Limited to one certificate per household. Cannot be opened via Online or Mobile Banking. Does not automatically renew at maturity (balance transfers to share savings or IRA savings).
Qualified rate · 4.88% interest rate · Compounded daily · Balance cap $100,000 · Effective Oct 2, 2026
Rate checked
More details - First Financial Federal Credit UnionCertificate Specials – ShareCD · 9 months · $5,000 min
Credit union · 1 branch
4.35%APY$325 over 9 months on $10,000intro rateRequirements
Product: Limited-time offers. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply. Special APY terminates when certificate renews or is closed.
Offer: New money required: opening funds must originate from a financial institution other than First Financial FCU within 30 days prior to share certificate origination. Automatically renews for 9-month terms unless directed to close or renew for another available term. Special APY terminates at renewal.
Promotional rate · 4.26% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - First Financial Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 1 branch
4.35%APY$435 over 1 year on $10,000with conditionsRequirements
Product: Dividends compounded daily and credited monthly. 10-calendar-day grace period with automatic renewal upon maturity. Early withdrawal penalties apply. Option for bump-up after 6 months on 18-, 24-, and 36-month certificates.
Offer: Must meet Better Rewards Checking eligibility requirements at the time of opening or renewing.
Qualified rate · 4.26% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 2 branches
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$1,330 over 36 months on $10,000
Requirements
Product: FDIC-insured. Minimum opening balance $500. Automatically renews. Interest credited quarterly. Non-IRA certificates may be pledged as collateral for a share loan. Early withdrawal penalty may apply.
Offer: Quarterly compounding. Early withdrawal penalty may apply.
4.18% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.15%APY$450 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
Offer: Renews to Standard CD 12 Month (1 Year) term upon maturity.
Promotional rate · 4.08% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.11%APY$803 over 23 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 - 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$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 - 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 - 3.75%APY$312 over 10 months on $10,000intro rate
Requirements
Product: Limited-time offer. Open online.
Offer: Limited-time offer. Open online.
Promotional rate
Rate checked
More details - 3.75%APY$764 over 24 months on $10,000intro rate
Requirements
Product: Offers the option of increasing the interest rate once during the term to the current interest rate being offered at that time. Interest credited quarterly. Early withdrawal penalty may apply. Rates may change after account opening.
Offer: Option of increasing interest rate once during term to current interest rate offered at that time. Rates may change after account opening. Early withdrawal penalty may apply.
Promotional rate · 3.70% interest rate · Effective Oct 15, 2026
Rate checked
More details - Farmers Bank of WillardsCertificates of DepositCD · 60 months · $1,000 min · 3.70%–3.75% by balance
Bank · 2 branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
Offer: Rates over $250,000. Minimum of $1,000 to open account.
3.70% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Any balanceYour amount 3.75% $100,000 – $249,999Rates between $100,000-$249,999. 3.70% 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 Ocean Pines, MD metro
114 CDs at 11 banks and credit unions · checked Oct 4–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.80%
- Credit unions, typical
- 3.75%
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Ocean Pines, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Shore FederalBank · 3 branches