What are the current interest rates at Harbor Bank of Maryland?

Current rates for Harbor Bank of Maryland include: 12-Month CD: 0.25%, 18-Month CD: 0.75%, 24-Month CD: 0.75%, 36-Month CD: 0.75%, 60-Month CD: 0.60%, Savings: 0.10%, MMA: 0.50%

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Harbor Bank of Maryland

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Harbor Bank of Maryland Rates & Review October 2026

Q: How many branches does Harbor Bank of Maryland operate?

Harbor Bank of Maryland currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Harbor Bank of Maryland provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Harbor Bank of Maryland's top rates as of October 11, 2026 are 3.04% APY on its 24-Months 24-Month Certificates of Deposit CD, 0.10% APY on savings, and 0.50% APY on money market accounts, according to rates verified by MonitorBankRates. Other Harbor Bank of Maryland CD rates include 24 - 29-Months 24 - 29-Month Certificates of Deposit at 1.01%, 12 - 17-Months 12 - 17-Month Certificates of Deposit at 0.75%, and 18 - 23-Months 18 - 23-Month Certificates of Deposit at 0.75%. MonitorBankRates evaluates the financial stability of Harbor Bank of Maryland with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.08%. Rates last updated and verified on 10/11/2026.

Harbor Bank of Maryland 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 Harbor Bank of Maryland? Share your experience about Harbor Bank of Maryland by leaving a review below, or read customer reviews before you decide to use Harbor Bank of Maryland.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.08%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

The Harbor Bank of Maryland

25 W Fayette St
Baltimore, MD 21201

https://www.theharborbank.com/

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Harbor Bank of Maryland CD Rates

Product	Rate	APY	Term
24 Month Certificates of Deposit	3.00%	3.04%	24 months
Min Balance $1,000 Details Term: 24 - 29 Months Promotional Rate Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
24 - 29 Month Certificates of Deposit	1.00%	1.01%	24 - 29 Months
Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
12 - 17 Month Certificates of Deposit	0.75%	0.75%	12 - 17 Months
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
18 - 23 Month Certificates of Deposit	0.75%	0.75%	18 - 23 Months
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
30 - 35 Month Certificates of Deposit	0.75%	0.75%	30 - 35 Months
Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
42 - 59 Month Certificates of Deposit	0.60%	0.60%	42 - 59 Months
Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
36 - 41 Month Certificates of Deposit	0.50%	0.50%	36 - 41 Months
Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
6 - 11 month 06 - 11 Month Certificates of Deposit	0.25%	0.25%	6 - 11 Months
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
32 Day Certificates of Deposit	0.25%	0.25%	32 days to 5 Months
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
7 - 31 Days 07 - 31 Day Certificates of Deposit	0.03%	0.03%	7 - 31 Days
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 0.03% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%

Harbor Bank of Maryland Business Savings Rates

Product	Rate	APY	View More
Personal/ Business Statement Savings	0.10%	0.10%
Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%

Harbor Bank of Maryland Money Market Rates

Product	Rate	APY
Investment Money Market Account	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
Investment Money Market Account	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
Investment Money Market Account	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
Money Market	0.25%	0.25%
Min Balance $15,000 Details Balance: $15,000 and over Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
Money Market	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $14,999 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%

Harbor Bank of Maryland Other Rates

Product	Rate	Points	APY/APR
Gold Plus 55+	0.05%	-	0.05%
Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%
NOW Account	0.05%	-	0.05%
Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.08%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Harbor Bank of Maryland’s Texas Ratio fell from 13.97% in Q3 2023 to 9.08% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$383M	9.08%	5.0	A
March 31, 2026	$382M	9.25%	5.0	A
December 31, 2025	$380M	9.80%	5.0	A
September 30, 2025	$390M	11.64%	5.0	A
June 30, 2025	$386M	10.66%	5.0	A
March 31, 2025	$386M	8.03%	5.0	A
December 31, 2024	$382M	11.13%	5.0	A
September 30, 2024	$351M	11.22%	5.0	A
June 30, 2024	$355M	7.53%	5.0	A
March 31, 2024	$365M	12.52%	5.0	A
December 31, 2023	$380M	13.39%	5.0	A
September 30, 2023	$372M	13.97%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Harbor Bank of Maryland is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Harbor Bank of Maryland rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Harbor Bank of Maryland's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Harbor Bank of Maryland

Bank Holding Company HARBOR BANKSHARES CORP

Address 25 W Fayette St, Baltimore, MD 21201 · Baltimore City

Website https://www.theharborbank.com/

FDIC Certificate # 24015

Established 19820913

FDIC Insurance Date 19820913

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.08%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3678%

Return on Equity (ROE) 2.9900%

Non-Performing Loans (NPL) 1.13%

Total Assets $383,224,000

Total Deposits $323,776,000

Equity Capital $46,825,000

Net Income $702,000

Headquarters Baltimore

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Harbor Bank of Maryland earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Harbor Bank of Maryland

How many branches does Harbor Bank of Maryland operate?

Harbor Bank of Maryland currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Harbor Bank of Maryland does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Harbor Bank of Maryland provides members with tools to manage their accounts and build a solid financial history.

Does Harbor Bank of Maryland offer online and mobile banking?

Most modern institutions like Harbor Bank of Maryland provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.theharborbank.com/.