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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 1–14 results in Owings Mills, MD
- Tower Federal Credit UnionRegular and Special Share CertificatesCD · 24 months · $500 min
Credit union · 1 branch
5.20%APY$1,067 over 24 months on $10,000intro rateRequirements
Product: Early withdrawal penalty applies. 3 month, 9 month, and 18 month terms are Special Share Certificates offered for a limited time and automatically renew at the next highest term Share Certificate unless funds are withdrawn at maturity.
Offer: Early withdrawal penalty applies.
Promotional rate · 5.07% interest rate · Effective Oct 9, 2026
Rate checked
More details - 5.00%APY$500 over 1 year on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.
Offer: Special APY requires Checking account, First Eagle debit card, and monthly deposits of at least $100.00. Funds must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period). Maximum deposit $100,000.
4.89% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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More details - Tower Federal Credit UnionBump-Up Share CertificatesCD · 60 months · $5,000 min
Credit union · 1 branch
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Allows you to bump up to a higher dividend rate once during the term if rates rise. Early withdrawal penalty applies.
Offer: Allows you to change the dividend rate once during the term if rates rise. Early withdrawal penalty applies.
4.31% interest rate · Effective Oct 9, 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 - 4.10%APY$237 over 7 months on $10,000intro rate
Requirements
Product: Minimum balance of $500 is required to open and obtain the advertised APY. A penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. Promotional terms do not automatically renew at the promotional rate.
Offer: NEW MONEY ONLY. Minimum balance of $500 is required to open and obtain the advertised APY. Promotional terms do not automatically renew at the promotional rate.
Promotional rate · 4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: $500 required to open a Certificate of Deposit, $100 for add-on CD, $100,000 for jumbo CD. Early withdrawal penalty may apply. Membership eligibility required.
4.04% interest rate · Effective Aug 26, 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
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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
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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 - Securityplus Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000Requirements
Product: Minimum initial opening deposit of $1,000. Early withdrawal penalties may apply.
Offer: Minimum Funding Requirement: $1,000.
3.69% interest rate
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 - 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.
Effective Sep 24, 2026
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More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal, and fees could reduce earnings on the account.
0.99% interest rate · Effective Oct 15, 2026
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 Owings Mills, MD
110 CDs at 9 banks and credit unions · checked Sep 24–Oct 22
- Typical
- 3.00%
- Top 10% from
- 4.11%
- Banks, typical
- 1.00%
- Credit unions, typical
- 3.53%
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Baltimore, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 15 branches
- Freedom Federal Credit UnionCredit union · 8 branches