Sandy Spring Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

  1. Home
  2. Banks
  3. Sandy Spring Bank Deposit Rates
Today's 12-month CD rates can be found at 4.30%, 6-month CD rates at 4.24% and 3-month CD rates at 0.50%. Current savings rates are at 0.10% and money market rates are at 0.20%. Mortgage rates today on 30-year fixed loans are around 6.65%. Credit Card rates are at 16.95%. Personal Loan rates are at 14.85%. All these rates, and more, can be found in our database of rates. Sandy Spring Bank's 12-Month CD rates are at 3.65%, 18-Month CD rates are at 3.60%, 60-Month CD rates are at 3.16%, 24-Month CD rates are at 3.15%, 30-Month CD rates are at 3.12%. Sandy Spring Bank's savings rates are at 0.25%. Sandy Spring Bank's money market rates are at 1.25%.

Sandy Spring Bank

To see how these rates compare to Sandy Spring Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Sandy Spring Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Sandy Spring Bank CD rates. You can also compare Sandy Spring Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Sandy Spring Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sandy Spring Bank? Share your experience about Sandy Spring Bank by leaving a review below, or read customer reviews before you decide to use Sandy Spring Bank.

Sandy Spring Bank Texas Ratio

Sandy Spring Bank's Texas Ratio is at 3.61%, which is considered excellent. The Texas Ratio for Sandy Spring Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Sandy Spring Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
3.65%
18-Month CD
3.60%
24-Month CD
3.15%
36-Month CD
3.10%
48-Month CD
3.10%
60-Month CD
3.16%
Savings
0.25%
MMA
1.25%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Sandy Spring Bank
17801 Georgia Ave
Olney, MD 20832
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Sandy Spring Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Sandy Spring Bank
Sandy Spring Bank
12-Month CD
3.65%
$1,000
Sandy Spring Bank
Sandy Spring Bank
18-Month CD
3.60%
$1,000
Sandy Spring Bank
Sandy Spring Bank
60-Month CD
3.16%
$1,000
Sandy Spring Bank
Sandy Spring Bank
24-Month CD
3.15%
$1,000
Sandy Spring Bank
Sandy Spring Bank
30-Month CD
3.12%
$1,000
Sandy Spring Bank
Sandy Spring Bank
36-Month CD
3.10%
$1,000
Sandy Spring Bank
Sandy Spring Bank
48-Month CD
3.10%
$1,000
Sandy Spring Bank
Sandy Spring Bank
Premier Money Market
2.50%
$250,000
Sandy Spring Bank
Sandy Spring Bank
Business Premier Money Market
1.25%
$10,000
Sandy Spring Bank
Sandy Spring Bank
Regular Savings
0.25%
$25
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Sandy Spring Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Exchange Bank and Trust Company
Exchange Bank and Trust Company
24-Month CD
3.85%
$1,000
Bank Five Nine
Bank Five Nine
24-Month CD
3.80%
$100
St. Ansgar State Bank
St. Ansgar State Bank
60-Month CD
3.79%
$5,000
Haverhill Bank
Haverhill Bank
18-Month CD
3.75%
$500
Rolette State Bank
Rolette State Bank
48-Month CD
3.73%
$500
Community Commerce Bank
Community Commerce Bank
48-Month CD
3.66%
$10,000
Everence Trust Company
Everence Trust Company
18-Month CD
3.65%
$500
Citizens National Bank of Albion
Citizens National Bank of Albion
15-Month CD
3.54%
$1,000
BankGloucester
BankGloucester
18-Month CD
3.50%
$500
Colonial Savings, F.A.
Colonial Savings, F.A.
12-Month CD
3.30%
$1,000
Farmers State Bank Victor, MT
Farmers State Bank Victor, MT
12-Month CD
3.30%
$1,000
First Bank Hampton
First Bank Hampton
24-Month CD
3.30%
$1,000
Bell Bank
Bell Bank
12-Month CD
3.25%
$500
Farmers State Bank of Alto Pass, Ill.
Farmers State Bank of Alto Pass, Ill.
Kasasa Checking
3.00%
$0
Lee Bank
Lee Bank
Kasasa Checking
3.00%
$25
First National Bank VA
First National Bank VA
48-Month CD
2.78%
$500
Financial Partners CU
Financial Partners CU
30-Month CD
2.75%
$1,000
Armstrong County Building and Loan Association
Armstrong County Building and Loan Association
48-Month CD
2.75%
$500
FSB of St. Charles, MO
FSB of St. Charles, MO
18-Month CD
2.65%
$1,000
Vast Bank
Vast Bank
24-Month CD
2.50%
$1,000
FSB of Burnet
FSB of Burnet
24-Month CD
2.27%
$1,000
Lake-Osceola State Bank
Lake-Osceola State Bank
18-Month CD
2.27%
$500
Bank of Burlington
Bank of Burlington
Personal Savings
2.17%
$1
Greenfield Co-operative Bank
Greenfield Co-operative Bank
36-Month CD
2.02%
$500
Think Mutual Bank
Think Mutual Bank
Money Market
2.00%
$100,000
Grand Timber Bank
Grand Timber Bank
6-Month CD
1.51%
$2,500
Farmers and Merchants Bank Milford, NE
Farmers and Merchants Bank Milford, NE
36-Month CD
1.51%
$1,500
Table Rock Community Bank
Table Rock Community Bank
18-Month CD
1.36%
$1,000
Union County Savings Bank Elizabeth, NJ
Union County Savings Bank Elizabeth, NJ
60-Month CD
1.36%
$500
First FSB of Kentucky
First FSB of Kentucky
48-Month CD
1.00%
$500
Cayuga Lake National Bank
Cayuga Lake National Bank
12-Month CD
0.95%
$500
First Northern Bank and Trust Company
First Northern Bank and Trust Company
18-Month CD IRA
0.95%
$250
Nashville Savings Bank
Nashville Savings Bank
12-Month CD
0.85%
$1,000
1st MidAmerica Credit Union
1st MidAmerica Credit Union
24-Month CD
0.80%
$1,000
Franklin Bank
Franklin Bank
48-Month CD
0.45%
$500
Midland Community Bank
Midland Community Bank
Money Market
0.40%
$2,500
Savings Bank of Walpole
Savings Bank of Walpole
36-Month CD
0.40%
$500
Monson Savings Bank
Monson Savings Bank
36-Month CD
0.30%
$1,000
Century Bank of Florida
Century Bank of Florida
12-Month CD
0.20%
$500
First National Bank in Pinckneyville
First National Bank in Pinckneyville
18-Month CD
0.20%
$500
Citizens Bank & Trust Company NE
Citizens Bank & Trust Company NE
Direct Checking
0.15%
$50
Home Federal S&L of Niles
Home Federal S&L of Niles
Money Market
0.15%
$2,500
Bangor Savings Bank
Bangor Savings Bank
Market Rate Savings
0.15%
$5,000
Lindell Bank & Trust Company
Lindell Bank & Trust Company
Money Market
0.10%
$2,500
PNB Community Bank
PNB Community Bank
12-Month CD
0.10%
$1,000
Acme Continental Credit Union
Acme Continental Credit Union
Savings
0.10%
$100
Lusitania Savings Bank
Lusitania Savings Bank
12-Month CD
0.05%
$500
Busey Bank
Busey Bank
6-Month CD
0.05%
$1,000
Kearny Bank
Kearny Bank
Statement Savings
0.05%
$100
Vibrant Credit Union
Vibrant Credit Union
60-Month CD
0.01%
$5
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates March 28, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
15-Year Fixed
5.125%
5.243%
0.625
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
15-Year Fixed
5.375%
5.431%
0.000
5.125%
5.447%
1.125
5.250%
5.482%
0.500
5.250%
5.491%
0.000
5.250%
5.506%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
15-Year Fixed Jumbo
5.500%
5.526%
0.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.250%
5.570%
1.250
5.375%
5.582%
1.000
5.500%
5.614%
0.000
5.250%
5.615%
1.750
5.250%
5.629%
2.000
5.500%
5.638%
0.000
5.500%
5.639%
0.250
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Sandy Spring Bank Information

Sandy Spring Bank
17801 Georgia Ave
Olney, MD 20832
Montgomery
Established Date: 01/01/1900
FDIC Certificate #: 4865
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: SANDY SPRING BCORP INC
How Many Domestic U.S. Offices? 55
How Many Branches are There? 55
Is Sandy Spring Bank FDIC Insured? Yes
What is Sandy Spring Bank's Cert number? 4865
What is the maximum amount for insured deposits? $250,000 per holder, per account

Sandy Spring Bank Financials

Total Assets:
$13,883,883,000
Total Deposits:
$11,351,989,000
Equity Capital:
$1,831,851,000
Domestic Deposits:
$11,351,989,000
Net Income:
$22,831,000
Return on Assets:
1.0121%
Quarterly Return on Assets:
0.6500%
Pretax Return on Assets:
0.8719%
Pretax Quarterly Return on Assets:
0.8700%
Return on Equity:
7.8500%
Quarterly Return on Equity:
4.9900%
Common Equity Tier 1 Capital Ratio:
13.1930%
Tier 1 Risk-Based Capital Ratio:
13.1930%
Leverage Tier 1 (Core Capital) Ratio:
11.5681%
Total Risk-Based Capital Ratio (YTD):
14.0952%
Total Interest Income (YTD):
4.8266%
 
 
Headquarters:
Olney
FDIC Field Office:
Baltimore
Regulator:
FED
County:
Montgomery
# of Offices:
55
Metropolitan Statistical Area (MSA):
Washington-Arlington-Alexandria, DC-VA-MD-WV
Consolidated Metropolitan Statistical Area (CMSA):
Washington-Baltimore, DC-MD-VA-WV
OTS Region:
Southeast
FDIC Region:
New York
Source: FDIC Last Updated 03/31/2024

Sandy Spring Bank CD Rates: 5.50% APY 8-Month CD Special

Sandy Spring Bank CD Rates on the bank's two certificate of deposit specials are competitive when compared to similar CD terms and CD rates at other banks. The best CD rates offered by Sandy Spring Bank are on the 8-month special CD at 5.50% APY, minimum opening deposit of $500. Another special CD rate is on Sandy Spring Bank 14-month CD at 5.00%, with a $2,500 minimum opening deposit. View a complete list of Sandy Spring Bank CD rates below.

Sandy Spring Bank offers a range of FDIC-insured Certificate of Deposit (CD) accounts. Enjoy a guaranteed performance with a fixed interest rate. Choose from various terms. You can apply online or visit a local branch for more information.

Sandy Spring Bank Special CD Rates

    Read more...

Explore Other Rate Deals

The current national average 12 month CD rate is 0.77 percent this morning. There are CD rates available from banks and credit unions that are higher than the national average CD rates. We have compiled a list of the best bank CD rates and credit union CD rates in San Diego, California.
Average rates on savings interest accounts in the State of Florida are low right now and haven't gone higher even though bond yields and mortgage rates have risen the past two months. The average savings interest rate is 0.25 percent on account balances of at least $2,500. You can get rates higher than the national average. Right now on our rate table the highest rate in Florida are from American Express Bank and Sallie Mae Bank. Both banks are offering rate of 1.29 percent and a yield of 1.30 percent on their online accounts.
Millions of homeowners haven't been able to refinance their mortgage even though refinance rates made record lows in 2012. If you bought a home during the height of the housing bubble, it's likely you haven't been able to refinance your loan because you don't have enough equity in your home. Watching mortgage refinance rates move lower the past 4 years without being able to refinance has frustrated many homeowners whose homes are "under water." Conforming 30 year and 15 year refinance rates made a series of record lows in 2012 as many homeowners were left seething on the sidelines.

Bank or Credit Union Offers and Deals

Returns on Certificates of Deposit Set to Increase
Savings Account Rates & Market Account Rates From Alabama CU
Mortgage Refinance Rates: 15 Year Refinance Mortgage Rates at 3.29%
giantbank.com Money Market Account Rates now at 0.45%
California Auto Loan Rates
Current Mortgage Rates: Mortgage Rates Decline to Five Week Low
Weekly Mortgage Rates: Jumbo Mortgage Rates
Mortgage Loan Rates and Refinancing Rates Mixed This Morning: 15 Year Jumbo Rates Averaging 4.74%
Mortgage Rates are Still Low - Average 30 Year Rates are at 3.81 Percent
Flagstar Bank 12 to 14 month Promo CD Rate

Alternative Bank and Credit Union Offers to Explore

More Changes to Make Refinancing Easier
Citizens Trust Bank 6 Month $25K CD Rates now at 0.05%
Redneck Bank Mega Money Market Account
30 Year Mortgage Rates Hit New Record Low of 3.62% Today
Mount McKinley Bank 9 Month CD Rates now at 0.12%
Recent CD Rate Changes Are Mostly Lower
Mortgage Rates Head Lower Today: 30 Year Mortgage Rates at 4.05%
Captial One Bank Online Savings Account Promo
5 Star Bank Money Market Account Rates now at 0.10%
OneUnited Bank 2 Year CD Rates now at 1.05%

Sandy Spring Bank Reviews

There are no reviews for Sandy Spring Bank yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Sandy Spring Bank
Your Name:
Your Rating:

See how Sandy Spring Bank Compares to other banks