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CD Rate Trends

Maryland Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Maryland CD rates range from 0.01% to 5.20% APY, verified by MonitorBankRates as of October 13, 2026. Current Maryland CD rates include Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.97%Real return: +2.40%APY minus CPI (February 2026) offering 2 Year Certificate at 5.20% APY, NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTH111 Rockville Pike Ste 500, Rockville, MD 20850A+5.0 ★Texas Ratio: 4.98%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Jumbo Certificate at 5.00% APY, FIRST EAGLEFIRST EAGLE10451 Mill Run Cir Ste 300, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering 1 Year Certificate at 5.00% APY, Educational Systems Federal Credit UnionEducational Systems Federal Credit Union7500 Greenway Center Dr, Greenbelt, MD 20770A+5.0 ★Texas Ratio: 3.40%Real return: +1.85%APY minus CPI (February 2026) offering 18 Month Jumbo Certificates - Star Member at 4.65% APY, and Patriot Federal Credit UnionPatriot Federal Credit Union18721 Longmeadow Rd, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 1.50%Real return: +1.80%APY minus CPI (February 2026) offering 48 Month Share Certificate at 4.60% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Maryland side-by-side. Maryland CD rates currently reach as high as 5.20% APY from Tower Federal Credit Union at 7901 Sandy Spring Rd, Laurel, MD 20707. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Maryland

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Maryland 3 Month CD Rates

MonitorBankRates Maryland Average · 3 Month CD1.66% APY▲ 0.01% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Maryland is 1.66% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month Certificate
$500
3.88% ▲ 2.22% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average1.66%▲ 2.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.88% APY · checked 7 times
3.38%3.88%4.38%Sep 14, 2026: 3.88% APYSep 14, 2026Oct 13, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
12820 Wisteria Dr, Germantown, MD 20874 2627
3 Month Regular Certificates
$0
3.80% ▲ 2.14% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 2.14% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
10035 Baltimore National Pike, Ellicott City, MD 21042
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 2.04% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 2.04% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificate Specials - (Share, IRA) 3-Month
$0
3.70% ▲ 2.04% above Maryland avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 2.04% above avgNationally 2.09%
Details

New Money

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
3 Month Certificate
$1,000
3.65% ▲ 1.99% above Maryland avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 1.99% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month Certificate
$500
3.62% ▲ 1.96% above Maryland avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average1.66%▲ 1.96% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.63% APY · checked 7 times
3.13%3.63%4.13%Sep 14, 2026: 3.63% APYSep 14, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
90 days/13 weeks
$10,000
3.50% ▲ 1.84% above Maryland avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 1.84% above avgNationally 2.09%
Details

Visit or Call

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
3 Month Share Certificate
$1,000
3.50% ▲ 1.84% above Maryland avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.84% above avgNationally 2.09%
Details

APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
2.65%3.33%4.00%Sep 25, 2026: 3.15% APYOct 4, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.50%▲ from 3.15%
  • Sep 25, 20263.15%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
Business Certificates - 3 Months
$0
3.44% ▲ 1.78% above Maryland avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 1.78% above avgNationally 2.09%
Details

Effective Date: Tuesday, October 13th, 2026

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
Share Certificates - 3 Months
$0
3.41% ▲ 1.75% above Maryland avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 1.75% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 7 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
304 High St, Cambridge, MD 21613
Bonus Rate for the first 90 days
$0
3.22% ▲ 1.56% above Maryland avg
View
▼
Rate3.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 1.56% above avgNationally 2.09%
Details

Balance: $1,000,000.00 and above

Rate History
No change since Oct 7, 2026 · 3.22% APY
2.72%3.22%3.72%Oct 7, 2026: 3.22% APYOct 7, 2026Oct 13, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
3 Month Jumbo Certificate
$0
3.20% ▲ 1.54% above Maryland avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.54% above avgNationally 2.09%
Details

Balance: $50,000 Minimum

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 13, 2026
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
304 High St, Cambridge, MD 21613
Bonus Rate for the first 90 days
$0
3.17% ▲ 1.51% above Maryland avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 1.51% above avgNationally 2.09%
Details

Balance: $750,000.00 - $999,999.99

Rate History
No change since Oct 7, 2026 · 3.17% APY
2.67%3.17%3.67%Oct 7, 2026: 3.17% APYOct 7, 2026Oct 13, 2026
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
304 High St, Cambridge, MD 21613
Bonus Rate (Relationship) for the first 90 days
$0
3.13% ▲ 1.47% above Maryland avg
View
▼
Rate3.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 1.47% above avgNationally 2.09%
Details

Balance: $100,000.00 and above

Rate History
No change since Oct 7, 2026 · 3.13% APY
2.63%3.13%3.63%Oct 7, 2026: 3.13% APYOct 7, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Jumbo Certificates - Star Member
$0
3.10% ▲ 1.44% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.44% above avgNationally 2.09%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 13, 2026
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
304 High St, Cambridge, MD 21613
Bonus Rate (Relationship) for the first 90 days
$0
3.08% ▲ 1.42% above Maryland avg
View
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 1.42% above avgNationally 2.09%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 7, 2026 · 3.08% APY
2.58%3.08%3.58%Oct 7, 2026: 3.08% APYOct 7, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Certificate - Star Member
$0
3.05% ▲ 1.39% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.39% above avgNationally 2.09%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Jumbo Certificates
$0
3.05% ▲ 1.39% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 21, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 21, 2026: 3.05% APYSep 21, 2026Oct 13, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
17801 Georgia Ave, Olney, MD 20832
Standard CDs and IRAs - 3 Month
$0
3.00% ▲ 1.34% above Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 1.34% above avgNationally 2.09%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
3 Month Certificate
$1,000
3.00% ▲ 1.34% above Maryland avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 1.34% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Certificate
$0
3.00% ▲ 1.34% above Maryland avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.34% above avgNationally 2.09%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Business) 3 Month
$0
2.80% ▲ 1.14% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details

Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 12, 2026: 2.55% APYOct 4, 2026: 2.80% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20262.80%▲ from 2.55%
  • Sep 12, 20262.55%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 3-Month
$0
2.80% ▲ 1.14% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details

Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 12, 2026: 2.55% APYOct 4, 2026: 2.80% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20262.80%▲ from 2.55%
  • Sep 12, 20262.55%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - Better Rewards 3-Month
$0
2.80% ▲ 1.14% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 12, 2026: 2.80% APYOct 12, 2026Oct 13, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
Certificate - 3 Months - Preferred
$500
2.60% ▲ 0.94% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.94% above avgNationally 2.09%
Details

Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open

Rate History
No change since Oct 12, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 12, 2026: 2.60% APYOct 12, 2026Oct 13, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
3 Month Certificate
$500
2.25% ▲ 0.59% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.59% above avgNationally 2.09%
Details

Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 13, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
Certificate - 3 Months
$500
2.25% ▲ 0.59% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.59% above avgNationally 2.09%
Details

Base APY; $500 minimum to open

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 13, 2026
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
304 High St, Cambridge, MD 21613
Bonus Rate (Standard) for the first 90 days
$0
2.13% ▲ 0.47% above Maryland avg
View
▼
Rate2.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 0.47% above avgNationally 2.09%
Details

Balance: $100,000.00 and above

Rate History
No change since Oct 7, 2026 · 2.13% APY
1.63%2.13%2.63%Oct 7, 2026: 2.13% APYOct 7, 2026Oct 13, 2026
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
304 High St, Cambridge, MD 21613
Bonus Rate (Standard) for the first 90 days
$0
2.11% ▲ 0.45% above Maryland avg
View
▼
Rate2.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 0.45% above avgNationally 2.09%
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Oct 7, 2026 · 2.11% APY
1.61%2.11%2.61%Oct 7, 2026: 2.11% APYOct 7, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 3 Month Certificate
$0
2.10% ▲ 0.44% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 3 Month Jumbo Certificate
$0
2.10% ▲ 0.44% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.44% above avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2702 N Salisbury Blvd, Salisbury, MD 21801
3 Month CD
$500
2.00% ▲ 0.34% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular (CDs + IRAs) - 3 Months
$500
2.00% ▲ 0.34% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
3 Month Certificate
$0
2.00% ▲ 0.34% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
3 Month Jumbo Certificate
$0
2.00% ▲ 0.34% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
971 Corporate Blvd, Linthicum, MD 21090 2342
Certificate of Deposit - 3 months
$500
2.00% ▲ 0.34% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Open now

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate
$0
1.70% ▲ 0.04% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 0.04% above avgNationally 2.09%
Details

Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 1.70% APY · checked 3 times
1.20%1.70%2.20%Oct 5, 2026: 1.70% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate
$0
1.65% ▼ 0.01% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.01% below avgNationally 2.09%
Details

Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 1.65% APY · checked 3 times
1.15%1.65%2.15%Oct 5, 2026: 1.65% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate
$0
1.60% ▼ 0.06% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.06% below avgNationally 2.09%
Details

Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 1.60% APY · checked 3 times
1.10%1.60%2.10%Oct 5, 2026: 1.60% APYOct 5, 2026Oct 13, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
3 Month Easy Builder Short Term Certificate Account
$250
1.51% ▼ 0.15% below Maryland avg
View
▼
Rate1.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 0.15% below avgNationally 2.09%
Details

Minimum: $250.00 ($50.00 Young Investor Option); Young Investor Option: $50.00 minimum opening deposit

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
3 Month Short Term Certificate Account
$1,000
1.51% ▼ 0.15% below Maryland avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 0.15% below avgNationally 2.09%
Details

APY assumes reinvestment at the same term for 12 months

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate
$0
1.50% ▼ 0.16% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.16% below avgNationally 2.09%
Details

Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 5, 2026: 1.50% APYOct 5, 2026Oct 13, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
8300 Burdette Rd, Bethesda, MD 20817
Platinum Account Holders Certificates of Deposit 3 Months
$1,000
1.36% ▼ 0.30% below Maryland avg
View
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average1.66%▼ 0.30% below avgNationally 2.09%
Details

Early Withdrawl Penalty: 30 days' simple interest

Rate History
No change since Sep 19, 2026 · 1.36% APY · checked 7 times
0.86%1.36%1.86%Sep 19, 2026: 1.36% APYSep 19, 2026Oct 13, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
8300 Burdette Rd, Bethesda, MD 20817
Certificates of Deposit 3 Months
$1,000
1.26% ▼ 0.40% below Maryland avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average1.66%▼ 0.40% below avgNationally 2.09%
Details

Early Withdrawl Penalty: 30 days' simple interest

Rate History
No change since Sep 7, 2026 · 1.26% APY · checked 8 times
0.76%1.26%1.76%Sep 7, 2026: 1.26% APYSep 7, 2026Oct 13, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Jumbo Share Certificates - 30 - 90 days
$100,000
1.10% ▼ 0.56% below Maryland avg
View
▼
Rate1.09%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average1.66%▼ 0.56% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 1.05% → 1.10% ▲ 0.05 pts · high 1.10% / low 1.05%
0.55%1.08%1.60%Sep 14, 2026: 1.05% APYOct 10, 2026: 1.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20261.10%▲ from 1.05%
  • Sep 14, 20261.05%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
3 Month Certificate
$500
1.05% ▼ 0.61% below Maryland avg
View
▼
Rate1.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average1.66%▼ 0.61% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 1.05% ▲ 0.05 pts · high 1.05% / low 1.00%
0.50%1.03%1.55%Sep 14, 2026: 1.00% APYOct 10, 2026: 1.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20261.05%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month - Relationship
$0
1.00% ▼ 0.66% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▼ 0.66% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month Certificate
$0
1.00% ▼ 0.66% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▼ 0.66% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month TD Choice CD
$250
1.00% ▼ 0.66% below Maryland avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▼ 0.66% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
207 N Main St, Boonsboro, MD 21713
3 Month Certificate
$0
0.70% ▼ 0.96% below Maryland avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average1.66%▼ 0.96% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 13, 2026

Maryland 6 Month CD Rates

MonitorBankRates Maryland Average · 6 Month CD2.78% APY▲ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Maryland is 2.78% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Youth Saver Certificate
$500
5.00% ▲ 2.22% above Maryland avg
View
▼
Rate4.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.78%▲ 2.22% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 10, 2026: 5.00% APYOct 10, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
6 Month 360 CDs
$0
4.30% ▲ 1.52% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.78%▲ 1.52% above avgNationally 2.78%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
6 Month Share Certificate
$0
4.30% ▲ 1.52% above Maryland avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.78%▲ 1.52% above avgNationally 2.78%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
312 Main St, Preston, MD 21655
6-Month CD
$1,000
4.20% ▲ 1.42% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.78%▲ 1.42% above avgNationally 2.78%
Details

A competitive rate with a shorter commitment

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 Month CD
$1,000
4.20% ▲ 1.42% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.78%▲ 1.42% above avgNationally 2.78%
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 Month Certificate
$1,000
4.20% ▲ 1.42% above Maryland avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.78%▲ 1.42% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
6 Month Certificate of Deposit (CD)
$0
4.18% ▲ 1.40% above Maryland avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.40% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 21, 2026 · 4.18% → 4.18% ▼ 0.00 pts · high 4.18% / low 4.15%
3.65%4.17%4.68%Sep 21, 2026: 4.18% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.18% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.18%▲ from 4.15%
  • Oct 5, 20264.15%▼ from 4.18%
  • Sep 21, 20264.18%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - Better Rewards 6-Month
$0
4.15% ▲ 1.37% above Maryland avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.37% above avgNationally 2.78%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
6 Month Share Certificate
$500
4.13% ▲ 1.35% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.35% above avgNationally 2.78%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 6 Months
$500
4.13% ▲ 1.35% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.35% above avgNationally 2.78%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 months/26 weeks
$10,000
4.05% ▲ 1.27% above Maryland avg
View
▼
Rate3.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.78%▲ 1.27% above avgNationally 2.78%
Details

Visit or Call

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
6-Month Certificate 70th Anniversary Special
$0
4.02% ▲ 1.24% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.78%▲ 1.24% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 30, 2026: 4.02% APYSep 30, 2026Oct 13, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1305 S Salisbury Blvd, Salisbury, MD 21801 6845
6 Month Regular And IRA Share Certificates
$500
4.00% ▲ 1.22% above Maryland avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.22% above avgNationally 2.78%
Details

Not offered for IRA Certificate; Dividends compounded and paid monthly; Penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYSep 25, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
6 Month Share Certificate
$500
3.87% ▲ 1.09% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.09% above avgNationally 2.78%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
6 Month Jumbo Certificate
$0
3.85% ▲ 1.07% above Maryland avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.07% above avgNationally 2.78%
Details

Balance: $50,000 Minimum

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
6 Month Standard and IRA Certificate
$0
3.85% ▲ 1.07% above Maryland avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.07% above avgNationally 2.78%
Details

Balance: $100 Minimum

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 6 Months
$500
3.82% ▲ 1.04% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.04% above avgNationally 2.78%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
3.32%4.04%4.75%Oct 4, 2026: 4.25% APYOct 12, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
  • Oct 12, 20263.82%▼ from 4.25%
  • Oct 4, 20264.25%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificates - 6 Months
$500
3.82% ▲ 1.04% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.04% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
6 Month Certificate
$7,500
3.80% ▲ 1.02% above Maryland avg
View
▼
Rate3.68%
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Jumbo Certificates - Star Member
$0
3.80% ▲ 1.02% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.78%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
12820 Wisteria Dr, Germantown, MD 20874 2627
6 Month Regular & IRA Certificates
$0
3.80% ▲ 1.02% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
10035 Baltimore National Pike, Ellicott City, MD 21042
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75% ▲ 0.97% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Ameriserv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
12806 Shank Farm Way, Hagerstown, MD 21742
6-Month CD
$0
3.75% ▲ 0.97% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Sep 15, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 15, 2026: 3.75% APYSep 15, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
6 Month Share Certificate
$500
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.78%
Details

Not eligible for IRA Terms; minimum $500 to open

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate - 6 Months
$500
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.78%
Details

Not eligible for IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Certificate - Star Member
$0
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.78%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Jumbo Certificates
$0
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
890 Bestgate Rd, Annapolis, MD 21401
6-Month CD
$0
3.75% ▲ 0.97% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
890 Bestgate Rd, Annapolis, MD 21401
6-Month Term
$1,000
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
8 W Bel Air Ave, Aberdeen, MD 21001
6 Month Certificate
$1,000
3.70% ▲ 0.92% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 6 Month Certificate
$0
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 6 Month Jumbo Certificate
$0
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Certificate
$0
3.70% ▲ 0.92% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.78%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
6 Month Jumbo CD
$10,000
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.78%
Details

Compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
6 Month Standard CD
$500
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.78%
Details

Compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 6 Month Jumbo CD
$10,000
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.78%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 6 Month Standard CD
$500
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.78%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1414 S DIVISION ST, SALISBURY, MD 21804
JUMBO Share Certificate - 6 Month Term
$50,000
3.68% ▲ 0.90% above Maryland avg
View
▼
Rate3.63%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.90% above avgNationally 2.78%
Details

Dividends compounded and paid quarterly

Rate History
4 changes since Sep 14, 2026 · 3.53% → 3.68% ▲ 0.15 pts · high 3.72% / low 3.36%
2.86%3.54%4.22%Sep 14, 2026: 3.53% APYSep 20, 2026: 3.36% APYSep 25, 2026: 3.37% APYOct 4, 2026: 3.72% APYOct 8, 2026: 3.68% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.68%▼ from 3.72%
  • Oct 4, 20263.72%▲ from 3.37%
  • Sep 25, 20263.37%▲ from 3.36%
  • Sep 20, 20263.36%▼ from 3.53%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.88% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.88% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
The Bank of Glen Burnie
Institution Rating:
B-3.4 ★Texas Ratio: 3.14%
101 Crain Hwy S, Glen Burnie, MD 21061
6 Month Certificate
$500
3.65% ▲ 0.87% above Maryland avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 0.50% → 3.65% ▲ 3.15 pts · high 3.65% / low 0.50%
0.00%3.40%6.80%Sep 14, 2026: 0.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.65%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Business) 6 Month
$0
3.65% ▲ 0.87% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 12, 2026: 3.40% APYOct 4, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.65%▲ from 3.40%
  • Sep 12, 20263.40%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 6-Month
$0
3.65% ▲ 0.87% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.78%
Details

Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 12, 2026: 3.40% APYOct 4, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.65%▲ from 3.40%
  • Sep 12, 20263.40%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
6 Month Certificates
$1,000
3.65% ▲ 0.87% above Maryland avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.78%
Details

Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly; This certificate will renew at a 6-month term unless otherwise asked for by the party holding the certificate; IRA certificates are not eligible

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1 South St, Baltimore, MD 21202
6 Month Regular CD
$500
3.65% ▲ 0.87% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 13, 2026
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1414 S DIVISION ST, SALISBURY, MD 21804
BEE Share Certificate - 6 Month Term
$10,000
3.63% ▲ 0.85% above Maryland avg
View
▼
Rate3.58%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.85% above avgNationally 2.78%
Details

Dividends compounded and paid quarterly

Rate History
3 changes since Sep 14, 2026 · 3.47% → 3.63% ▲ 0.16 pts · high 3.64% / low 3.47%
2.97%3.56%4.14%Sep 14, 2026: 3.47% APYSep 20, 2026: 3.52% APYOct 4, 2026: 3.64% APYOct 8, 2026: 3.63% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.63%▼ from 3.64%
  • Oct 4, 20263.64%▲ from 3.52%
  • Sep 20, 20263.52%▲ from 3.47%
  • Sep 14, 20263.47%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Certificate
$500
3.62% ▲ 0.84% above Maryland avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.78%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.63% APY · checked 6 times
3.13%3.63%4.13%Sep 18, 2026: 3.63% APYSep 18, 2026Oct 13, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
6 Month Certificate
$1,000
3.61% ▲ 0.83% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 20, 2026: 3.61% APYSep 20, 2026Oct 13, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
6 Month Share Certificate
$1,000
3.61% ▲ 0.83% above Maryland avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.83% above avgNationally 2.78%
Details

APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.27% → 3.61% ▲ 0.34 pts · high 3.61% / low 3.27%
2.77%3.44%4.11%Sep 25, 2026: 3.27% APYOct 4, 2026: 3.61% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.61%▲ from 3.27%
  • Sep 25, 20263.27%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
6 Month Certificate
$0
3.60% ▲ 0.82% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.82% above avgNationally 2.78%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
6 Month Jumbo Certificate
$0
3.60% ▲ 0.82% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.82% above avgNationally 2.78%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026

Maryland 12 Month CD Rates

MonitorBankRates Maryland Average · 12 Month CD3.26% APY▼ 0.01% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Maryland is 3.26% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
12 Month Jumbo Certificate
$100,000
5.00% ▲ 1.74% above Maryland avg
View
▼
Rate4.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.74% above avgNationally 2.99%
Details

12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support.

Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APYOct 6, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
1 Year Certificate
$0
5.00% ▲ 1.74% above Maryland avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.74% above avgNationally 2.99%
Details

Share Certificate Special; (must have Checking)

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 13, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
1 Year Certificate
$500
4.95% ▲ 1.69% above Maryland avg
View
▼
Rate4.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.69% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.95% ▲ 0.40 pts · high 4.95% / low 4.55%
4.05%4.75%5.45%Sep 14, 2026: 4.55% APYOct 10, 2026: 4.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.95%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificate - 1 year
$500
4.95% ▲ 1.69% above Maryland avg
View
▼
Rate4.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.69% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.95% ▲ 0.40 pts · high 4.95% / low 4.55%
4.05%4.75%5.45%Sep 14, 2026: 4.55% APYOct 10, 2026: 4.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.95%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
12 Month Jumbo Certificate
$100,000
4.75% ▲ 1.49% above Maryland avg
View
▼
Rate4.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.49% above avgNationally 2.99%
Details

12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support.

Rate History
1 change since Oct 6, 2026 · 5.00% → 4.75% ▼ 0.25 pts · high 5.00% / low 4.75%
4.25%4.88%5.50%Oct 6, 2026: 5.00% APYOct 10, 2026: 4.75% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.75%▼ from 5.00%
  • Oct 6, 20265.00%first recorded
POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
12 Month High Rate CD Special
$500
4.59% ▲ 1.33% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.33% above avgNationally 2.99%
Details

Limited time only

Rate History
No change since Oct 10, 2026 · 4.59% APY
4.09%4.59%5.09%Oct 10, 2026: 4.59% APYOct 10, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
12 Month Certificate
$500
4.50% ▲ 1.24% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.24% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00%
1.50%3.75%6.00%Sep 18, 2026: 3.00% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Research Blvd, Rockville, MD 20850
12 Month Certificate
$0
4.50% ▲ 1.24% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.24% above avgNationally 2.99%
Details

Special Rate

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
12 Month CD Online and In Branch
$500
4.46% ▲ 1.20% above Maryland avg
View
▼
Rate4.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 1.20% above avgNationally 2.99%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.46% ▲ 0.16 pts · high 4.46% / low 4.30%
3.80%4.38%4.96%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.46% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.46%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
12-Month Term Certificate of Deposit
$500
4.46% ▲ 1.20% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 1.20% above avgNationally 2.99%
Details

Maximum initial funding limit is $500,000.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.46% ▲ 0.16 pts · high 4.46% / low 4.30%
3.80%4.38%4.96%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.46% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.46%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month CD
$1,000
4.45% ▲ 1.19% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 1.19% above avgNationally 2.99%
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month Certificate
$1,000
4.45% ▲ 1.19% above Maryland avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.09% above Maryland avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
12 Month Share Certificate
$0
4.35% ▲ 1.09% above Maryland avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 1.09% above avgNationally 2.99%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.35%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - Better Rewards 12-Month
$0
4.35% ▲ 1.09% above Maryland avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 1.09% above avgNationally 2.99%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
12 Month 360 CDs
$0
4.30% ▲ 1.04% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 1.04% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
312 Main St, Preston, MD 21655
12-Month CD
$1,000
4.30% ▲ 1.04% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 1.04% above avgNationally 2.99%
Details

A strong rate. A full year of predictable growth.

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 months/52 weeks
$10,000
4.30% ▲ 1.04% above Maryland avg
View
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 1.04% above avgNationally 2.99%
Details

Visit or Call

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
12 Month Certificate of Deposit (CD)
$0
4.29% ▲ 1.03% above Maryland avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.26%▲ 1.03% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 21, 2026 · 4.29% → 4.29% ▼ 0.00 pts · high 4.29% / low 4.25%
3.75%4.27%4.79%Sep 21, 2026: 4.29% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.29% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.29%▲ from 4.25%
  • Oct 5, 20264.25%▼ from 4.29%
  • Sep 21, 20264.29%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
12 Month Share Certificate
$0
4.25% ▲ 0.99% above Maryland avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 0.99% above avgNationally 2.99%
Details

Add-On; Balance: $250

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 18, 2026: 3.95% APYOct 7, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 12 Months
$500
4.25% ▲ 0.99% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.99% above avgNationally 2.99%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Oct 4, 2026: 4.30% APYOct 12, 2026: 4.25% APYOct 4, 2026Oct 13, 2026
  • Oct 12, 20264.25%▼ from 4.30%
  • Oct 4, 20264.30%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificates - 12 Months
$500
4.25% ▲ 0.99% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.99% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Traditional IRA Certificates - 12 Months
$500
4.25% ▲ 0.99% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.99% above avgNationally 2.99%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
12 Month Certificate
$500
4.25% ▲ 0.99% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 0.99% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 18, 2026: 3.00% APYOct 6, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificate - 1 Year Starter Add-On
$0
4.25% ▲ 0.99% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 0.99% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
12 Month Certificate
$1,000
4.18% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.92% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 20, 2026: 4.18% APYSep 20, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
12 Month Share Certificate
$500
4.13% ▲ 0.87% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.26%▲ 0.87% above avgNationally 2.99%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 12 Months
$500
4.13% ▲ 0.87% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.26%▲ 0.87% above avgNationally 2.99%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1305 S Salisbury Blvd, Salisbury, MD 21801 6845
12 Month Regular And IRA Share Certificates
$500
4.10% ▲ 0.84% above Maryland avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.26%▲ 0.84% above avgNationally 2.99%
Details

Dividends compounded and paid monthly; Penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 14, 2026: 3.30% APYSep 25, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.10%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Certificate
$0
4.10% ▲ 0.84% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.84% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
12-month CD
$500
4.07% ▲ 0.81% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 0.81% above avgNationally 2.99%
Details

High-Rate CD Specials

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.76% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.26%▲ 0.76% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.76% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.26%▲ 0.76% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
12 Month Easy Builder Long Term Certificate Account
$250
4.01% ▲ 0.75% above Maryland avg
View
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.75% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYOct 12, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
12 Month Long Term Certificate Account
$0
4.01% ▲ 0.75% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.75% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYOct 12, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 12 months
$500
4.01% ▲ 0.75% above Maryland avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.75% above avgNationally 2.99%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
1-year online CDs
$0
4.00% ▲ 0.74% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
12 Month Certificate
$0
4.00% ▲ 0.74% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.74% above Maryland avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
5720 Silver Hill Rd, District Heights, MD 20747
12 Month Traditional or Roth IRA Certificate
$500
4.00% ▲ 0.74% above Maryland avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates - 1 year
$0
4.00% ▲ 0.74% above Maryland avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Balance: $100,000 to $249,999

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
12 Month Certificate
$0
4.00% ▲ 0.74% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Regular Certificate Accounts; Maximum of $24,999

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 12 Month Certificate
$0
4.00% ▲ 0.74% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Maximum of $24,999

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
12 Month Share Certificate
$1,000
4.00% ▲ 0.74% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate - 12 Months
$1,000
4.00% ▲ 0.74% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
12 Month Jumbo Certificates - Star Member
$0
4.00% ▲ 0.74% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
890 Bestgate Rd, Annapolis, MD 21401
1-Year CD
$0
4.00% ▲ 0.74% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
890 Bestgate Rd, Annapolis, MD 21401
1-Year Term
$1,000
4.00% ▲ 0.74% above Maryland avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.26%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
12 Month Certificate - Star Member
$0
3.95% ▲ 0.69% above Maryland avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.26%▲ 0.69% above avgNationally 2.99%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 13, 2026

Maryland 18 Month CD Rates

MonitorBankRates Maryland Average · 18 Month CD3.10% APY▲ 0.03% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Maryland is 3.10% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Jumbo Certificates - Star Member
$0
4.65% ▲ 1.55% above Maryland avg
View
▼
Rate4.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 1.55% above avgNationally 2.87%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 12, 2026: 4.65% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Certificate - Star Member
$0
4.60% ▲ 1.50% above Maryland avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 1.50% above avgNationally 2.87%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 12, 2026: 4.60% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Jumbo Certificates
$0
4.60% ▲ 1.50% above Maryland avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 1.50% above avgNationally 2.87%
Details

Rate History
No change since Sep 21, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Sep 21, 2026: 4.60% APYSep 21, 2026Oct 13, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
18 Month Certificate
$500
4.60% ▲ 1.50% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.10%▲ 1.50% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYOct 10, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Certificate
$0
4.55% ▲ 1.45% above Maryland avg
View
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 1.45% above avgNationally 2.87%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 6 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
18 Month CD Online and In Branch
$500
4.50% ▲ 1.40% above Maryland avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.10%▲ 1.40% above avgNationally 2.87%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.50%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
18 Month Certificate of Deposit (CD)
$0
4.41% ▲ 1.31% above Maryland avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.10%▲ 1.31% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 21, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 21, 2026: 4.41% APYOct 5, 2026: 4.35% APYOct 13, 2026: 4.41% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.41%▲ from 4.35%
  • Oct 5, 20264.35%▼ from 4.41%
  • Sep 21, 20264.41%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
312 Main St, Preston, MD 21655
18-Month CD
$1,000
4.40% ▲ 1.30% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.10%▲ 1.30% above avgNationally 2.87%
Details

Our highest featured APY, locked in for longer.

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Month CD
$1,000
4.35% ▲ 1.25% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.10%▲ 1.25% above avgNationally 2.87%
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Month Certificate
$1,000
4.35% ▲ 1.25% above Maryland avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.10%▲ 1.25% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
18 Month 360 CDs
$0
4.30% ▲ 1.20% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.10%▲ 1.20% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 18 Months
$500
4.30% ▲ 1.20% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 1.20% above avgNationally 2.87%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Oct 4, 2026: 4.35% APYOct 12, 2026: 4.30% APYOct 4, 2026Oct 13, 2026
  • Oct 12, 20264.30%▼ from 4.35%
  • Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificates - 18 Months
$500
4.30% ▲ 1.20% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 1.20% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
3.04%3.99%4.93%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.30%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Traditional IRA Certificates - 18 Months
$500
4.30% ▲ 1.20% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 1.20% above avgNationally 2.87%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 13, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
18 Month Certificate
$1,000
4.24% ▲ 1.14% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 1.14% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 4.24% APY · checked 6 times
3.74%4.24%4.74%Sep 20, 2026: 4.24% APYSep 20, 2026Oct 13, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
975 E Pulaski Hwy, Elkton, MD 21921 6357
18 Month Regular Certificates
$1,000
4.07% ▲ 0.97% above Maryland avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.97% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
18 Month Share Certificate
$1,000
4.00% ▲ 0.90% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate - 18 Months
$1,000
4.00% ▲ 0.90% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
18 Month Certificate
$500
4.00% ▲ 0.90% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.10%▲ 0.90% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 4.00% ▲ 1.75 pts · high 4.00% / low 2.25%
0.50%3.13%5.75%Sep 14, 2026: 2.25% APYOct 6, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.00%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1200 N Main St, Hampstead, MD 21074
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.75% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.10%▲ 0.75% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1200 N Main St, Hampstead, MD 21074
18-Month M&T Select CD
$0
3.85% ▲ 0.75% above Maryland avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.10%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
IRA Share Certificate - 18 Months
$500
3.80% ▲ 0.70% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 18 Months
$500
3.80% ▲ 0.70% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 13, 2026
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
1304 E Churchville Rd, Bel Air, MD 21014
18-Month Share and IRA Certificate Special
$300
3.80% ▲ 0.70% above Maryland avg
View
▼
RateN/A
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Special certificate; fees could reduce earnings; penalty for early withdrawal; upon maturity renews to a 52-Week Regular Share or IRA Certificate

Rate History
1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 12, 2026: 3.55% APYOct 4, 2026: 3.80% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.80%▲ from 3.55%
  • Sep 12, 20263.55%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5260 Western Ave, Chevy Chase, MD 20815
18-month term
$0
3.80% ▲ 0.70% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5260 Western Ave, Chevy Chase, MD 20815
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.70% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.10%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
14316 National Hwy SW, LaVale, MD 21502
18 Month Share Certificate
$500
3.75% ▲ 0.65% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.65% above avgNationally 2.87%
Details

Minimum Deposit $500

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - Better Rewards 18-Month
$0
3.75% ▲ 0.65% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.65% above avgNationally 2.87%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
18 Month Certificate
$500
3.75% ▲ 0.65% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.10%▲ 0.65% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.75% ▲ 1.50 pts · high 3.75% / low 2.25%
0.75%3.00%5.25%Sep 14, 2026: 2.25% APYOct 6, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.75%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.60% above Maryland avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average3.10%▲ 0.60% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Variable-Rate Certificates - 18-month term
$50
3.66% ▲ 0.56% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.56% above avgNationally 2.87%
Details

Variable-Rate*

Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 4, 2026: 3.66% APYOct 4, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Variable-Rate Certificate - 18-month term
$50
3.66% ▲ 0.56% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.56% above avgNationally 2.87%
Details

Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 13, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
12820 Wisteria Dr, Germantown, MD 20874 2627
18 Month Regular & IRA Accumulator Certificates
$0
3.65% ▲ 0.55% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.10%▲ 0.55% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
18 Month Certificate
$0
3.60% ▲ 0.50% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average3.10%▲ 0.50% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
18 Month Certificate
$500
3.60% ▲ 0.50% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average3.10%▲ 0.50% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate
$0
3.60% ▲ 0.50% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.10%▲ 0.50% above avgNationally 2.87%
Details

Balance: $250,000.01+; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 5, 2026: 3.60% APYOct 5, 2026Oct 13, 2026
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
333 E Main St, Hancock, MD 21750
18 Month Certificate
$0
3.55% ▲ 0.45% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average3.10%▲ 0.45% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate
$0
3.55% ▲ 0.45% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.10%▲ 0.45% above avgNationally 2.87%
Details

Balance: $100,000-$250,000; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 13, 2026
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
18 Month Rollover Share Certificate
$0
3.52% ▲ 0.42% above Maryland avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.10%▲ 0.42% above avgNationally 2.87%
Details

IRA; Dividend rate 3.46%; Available for IRA proceeds transferred from another IRA custodian only; Inherited IRAs ineligible

Rate History
1 change since Sep 21, 2026 · 3.50% → 3.52% ▲ 0.02 pts · high 3.52% / low 3.50%
3.00%3.51%4.02%Sep 21, 2026: 3.50% APYOct 5, 2026: 3.52% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20263.52%▲ from 3.50%
  • Sep 21, 20263.50%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates - 18 months
$0
3.50% ▲ 0.40% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.40% above avgNationally 2.87%
Details

Balance: $100,000 to $249,999

Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 4, 2026: 3.25% APYOct 12, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.50%▲ from 3.25%
  • Oct 4, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 18 Month Certificate
$0
3.50% ▲ 0.40% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.40% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 18 Month Jumbo Certificate
$0
3.50% ▲ 0.40% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.40% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
Certificate - 18 Months - Preferred
$500
3.50% ▲ 0.40% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.40% above avgNationally 2.87%
Details

Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate
$0
3.50% ▲ 0.40% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.10%▲ 0.40% above avgNationally 2.87%
Details

Balance: $10,000-$24,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3706 Norrisville Rd, Jarrettsville, MD 21084
18 Month CD/IRA
$500
3.45% ▲ 0.35% above Maryland avg
View
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average3.10%▲ 0.35% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 24, 2026: 3.45% APYSep 24, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
5720 Silver Hill Rd, District Heights, MD 20747
18 Month Certificate
$0
3.40% ▲ 0.30% above Maryland avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.30% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Oct 13, 2026
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates - 18 months
$0
3.40% ▲ 0.30% above Maryland avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.30% above avgNationally 2.87%
Details

Balance: $1,000 to $99,999

Rate History
2 changes since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90%
2.40%3.15%3.90%Sep 14, 2026: 2.90% APYOct 4, 2026: 3.15% APYOct 12, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.40%▲ from 3.15%
  • Oct 4, 20263.15%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
18 Month Certificate
$0
3.40% ▲ 0.30% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.30% above avgNationally 2.87%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
18 Month Jumbo Certificate
$0
3.40% ▲ 0.30% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.10%▲ 0.30% above avgNationally 2.87%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate
$0
3.40% ▲ 0.30% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.10%▲ 0.30% above avgNationally 2.87%
Details

Balance: $1,000-$9,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 5, 2026: 3.40% APYOct 5, 2026Oct 13, 2026

Maryland 24 Month CD Rates

MonitorBankRates Maryland Average · 24 Month CD2.96% APY▼ 0.03% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Maryland is 2.96% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
2 Year Certificate
$500
5.20% ▲ 2.24% above Maryland avg
View
▼
Rate5.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 2.24% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.70% → 5.20% ▲ 0.50 pts · high 5.20% / low 4.70%
4.20%4.95%5.70%Sep 14, 2026: 4.70% APYOct 10, 2026: 5.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.20%▲ from 4.70%
  • Sep 14, 20264.70%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificate - 2 year
$500
5.20% ▲ 2.24% above Maryland avg
View
▼
Rate5.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 2.24% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.70% → 5.20% ▲ 0.50 pts · high 5.20% / low 4.70%
4.20%4.95%5.70%Sep 14, 2026: 4.70% APYOct 10, 2026: 5.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.20%▲ from 4.70%
  • Sep 14, 20264.70%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
24 Month Certificate of Deposit (CD)
$0
4.52% ▲ 1.56% above Maryland avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.56% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 21, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
3.95%4.48%5.02%Sep 21, 2026: 4.52% APYOct 5, 2026: 4.45% APYOct 13, 2026: 4.52% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.52%▲ from 4.45%
  • Oct 5, 20264.45%▼ from 4.52%
  • Sep 21, 20264.52%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
24 Month Share Certificate
$0
4.40% ▲ 1.44% above Maryland avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 Month CD
$1,000
4.35% ▲ 1.39% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.96%▲ 1.39% above avgNationally 2.88%
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 Month Certificate
$1,000
4.35% ▲ 1.39% above Maryland avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.96%▲ 1.39% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 24 Months
$500
4.35% ▲ 1.39% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.39% above avgNationally 2.88%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificates - 24 Months
$500
4.35% ▲ 1.39% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
2.99%4.01%5.03%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.35%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Traditional IRA Certificates - 24 Months
$500
4.35% ▲ 1.39% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.39% above avgNationally 2.88%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
24 Month 360 CDs
$0
4.30% ▲ 1.34% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.96%▲ 1.34% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
24 Month Share Certificate
$0
4.30% ▲ 1.34% above Maryland avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.96%▲ 1.34% above avgNationally 2.88%
Details

Bump Rate; Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate
$0
4.30% ▲ 1.34% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.34% above avgNationally 2.88%
Details

Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $24,409.71; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
24 Month Certificate
$0
4.25% ▲ 1.29% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Featured banner rate (24 Months for 4.25% APY*); Certificates page footnote: all certificates other than the 6 month require a $1,000 minimum balance to open

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
24 Month Share Certificate
$1,000
4.25% ▲ 1.29% above Maryland avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate - 24 Months
$1,000
4.25% ▲ 1.29% above Maryland avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate
$0
4.25% ▲ 1.29% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $8,855.36; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate
$0
4.20% ▲ 1.24% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.24% above avgNationally 2.88%
Details

Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $874.69; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
24 Month Share Certificate
$500
4.13% ▲ 1.17% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.17% above avgNationally 2.88%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 24 Months
$500
4.13% ▲ 1.17% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.17% above avgNationally 2.88%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
24 Month Share Certificate
$1,000
4.12% ▲ 1.16% above Maryland avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.16% above avgNationally 2.88%
Details

APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.59% → 4.12% ▲ 0.53 pts · high 4.12% / low 3.59%
3.06%3.86%4.65%Sep 25, 2026: 3.59% APYOct 4, 2026: 4.12% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.12%▲ from 3.59%
  • Sep 25, 20263.59%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate
$0
4.10% ▲ 1.14% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.14% above avgNationally 2.88%
Details

Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $85.30; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
IRA Share Certificate - 24 Months
$500
4.06% ▲ 1.10% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.10% above avgNationally 2.88%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 24 Months
$500
4.06% ▲ 1.10% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.10% above avgNationally 2.88%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates - 24 Month
$0
4.02% ▲ 1.06% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.06% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 1.06% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 1.06% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - Better Rewards 24-Month
$0
4.00% ▲ 1.04% above Maryland avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
24 Month Certificate
$500
4.00% ▲ 1.04% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.25% → 4.00% ▲ 1.75 pts · high 4.00% / low 2.25%
0.50%3.13%5.75%Sep 18, 2026: 2.25% APYOct 6, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.00%▲ from 2.25%
  • Sep 18, 20262.25%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Jumbo Certificates - Star Member
$0
3.95% ▲ 0.99% above Maryland avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.99% above avgNationally 2.88%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Certificate - Star Member
$0
3.90% ▲ 0.94% above Maryland avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.94% above avgNationally 2.88%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Jumbo Certificates
$0
3.90% ▲ 0.94% above Maryland avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 21, 2026: 3.90% APYSep 21, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
24 Month Share Certificate
$500
3.87% ▲ 0.91% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 0.91% above avgNationally 2.88%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Certificates - 24 Month
$0
3.86% ▲ 0.90% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 0.90% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Certificate
$0
3.85% ▲ 0.89% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.89% above avgNationally 2.88%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
24 Month Share & IRA Share Certificates
$0
3.82% ▲ 0.86% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
24 Month IRA Certificates
$0
3.82% ▲ 0.86% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 0.86% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate 1 1/2 Year Certificate
$0
3.81% ▲ 0.85% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 0.85% above avgNationally 2.88%
Details

Term: 1 1/2 Year Certificate

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate 2 1/2 Year Certificate
$0
3.81% ▲ 0.85% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 0.85% above avgNationally 2.88%
Details

Term: 2 1/2 Year Certificate

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate 2 Year Certificate
$0
3.81% ▲ 0.85% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
24 Month Long Term Certificate Account
$0
3.80% ▲ 0.84% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.84% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 24 months
$500
3.80% ▲ 0.84% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.84% above avgNationally 2.88%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
24 Month IRA Certificate
$0
3.76% ▲ 0.80% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
14316 National Hwy SW, LaVale, MD 21502
24 Month Share Certificate
$0
3.75% ▲ 0.79% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.79% above avgNationally 2.88%
Details

Balance: $500+; Minimum Deposit $500+

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
24 Month Certificates
$1,000
3.75% ▲ 0.79% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 0.79% above avgNationally 2.88%
Details

Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
24 Month Certificate
$500
3.75% ▲ 0.79% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 0.79% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.25% → 3.75% ▲ 1.50 pts · high 3.75% / low 2.25%
0.75%3.00%5.25%Sep 18, 2026: 2.25% APYOct 6, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.75%▲ from 2.25%
  • Sep 18, 20262.25%first recorded
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
2 Year Fixed-Rate Certificate
$500
3.71% ▲ 0.75% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.75% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 8, 2026: 3.71% APYOct 8, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate - 2-year term
$500
3.71% ▲ 0.75% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.75% above avgNationally 2.88%
Details

Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 13, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
24 Month Certificate
$0
3.66% ▲ 0.70% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.96%▲ 0.70% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 24 months
$500
3.65% ▲ 0.69% above Maryland avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 0.69% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
2.95%3.55%4.15%Sep 18, 2026: 3.45% APYOct 1, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.65%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
23 W Susquehanna Ave, Towson, MD 21204
24 Month Certificates
$0
3.61% ▲ 0.65% above Maryland avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.96%▲ 0.65% above avgNationally 2.88%
Details

Dividends compounded daily, paid monthly

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.64% above Maryland avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.96%▲ 0.64% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026

Maryland 36 Month CD Rates

MonitorBankRates Maryland Average · 36 Month CD2.93% APY▼ 0.02% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Maryland is 2.93% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
3 Year Certificate
$500
4.80% ▲ 1.87% above Maryland avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.93%▲ 1.87% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
3.85%4.57%5.30%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.80%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificate - 3 year
$500
4.80% ▲ 1.87% above Maryland avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.93%▲ 1.87% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
3.85%4.57%5.30%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.80%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
4.59% ▲ 1.66% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.66% above avgNationally 2.81%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 8 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 36 Months
$500
4.59% ▲ 1.66% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.66% above avgNationally 2.81%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate
$0
4.50% ▲ 1.57% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.57% above avgNationally 2.81%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
36 Month Share Certificate
$0
4.45% ▲ 1.52% above Maryland avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.93%▲ 1.52% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 18, 2026: 4.15% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.45%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate
$0
4.45% ▲ 1.52% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.52% above avgNationally 2.81%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 13, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
36 Month CD Online and In Branch
$500
4.40% ▲ 1.47% above Maryland avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.93%▲ 1.47% above avgNationally 2.81%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate
$0
4.40% ▲ 1.47% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.47% above avgNationally 2.81%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
36 Month Share Certificate
$0
4.35% ▲ 1.42% above Maryland avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.93%▲ 1.42% above avgNationally 2.81%
Details

Bump Rate; Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 27, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 36 Months
$500
4.35% ▲ 1.42% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.42% above avgNationally 2.81%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificates - 36 Months
$500
4.35% ▲ 1.42% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Traditional IRA Certificates - 36 Months
$500
4.35% ▲ 1.42% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.42% above avgNationally 2.81%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
4.33% ▲ 1.40% above Maryland avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.40% above avgNationally 2.81%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 8 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
36 Month 360 CDs
$0
4.30% ▲ 1.37% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.93%▲ 1.37% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate
$0
4.30% ▲ 1.37% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.37% above avgNationally 2.81%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
36 Month Certificate
$500
4.25% ▲ 1.32% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.93%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 6, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
36 Month Share Certificate
$1,000
4.23% ▲ 1.30% above Maryland avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.30% above avgNationally 2.81%
Details

APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.66% → 4.23% ▲ 0.57 pts · high 4.23% / low 3.66%
3.09%3.95%4.80%Sep 25, 2026: 3.66% APYOct 4, 2026: 4.23% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.23%▲ from 3.66%
  • Sep 25, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.22% above Maryland avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.93%▲ 1.22% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Add-On Certificate
$0
4.15% ▲ 1.22% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.93%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.17% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.93%▲ 1.17% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
5720 Silver Hill Rd, District Heights, MD 20747
36 Month Traditional or Roth IRA Certificate
$2,000
4.10% ▲ 1.17% above Maryland avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.17% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 13, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - Better Rewards 36-Month
$0
4.10% ▲ 1.17% above Maryland avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.17% above avgNationally 2.81%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
IRA Share Certificate - 36 Months
$500
4.06% ▲ 1.13% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.13% above avgNationally 2.81%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 36 Months
$500
4.06% ▲ 1.13% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.13% above avgNationally 2.81%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.09% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.09% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 1.09% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 1.09% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
36 Month Share Certificate
$1,000
4.00% ▲ 1.07% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.07% above avgNationally 2.81%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate - 36 Months
$1,000
4.00% ▲ 1.07% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 1.07% above avgNationally 2.81%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
36 Month Certificate
$500
4.00% ▲ 1.07% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.93%▲ 1.07% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 6, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
3.92% ▲ 0.99% above Maryland avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.99% above avgNationally 2.81%
Details

Balance: $100,000 - $249,999

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Sep 14, 2026: 3.87% APYOct 5, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.92%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
36 Month Share & IRA Share Certificates
$0
3.87% ▲ 0.94% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.94% above avgNationally 2.81%
Details

36 Month Share Certificate has a 1 time STEP-UP feature

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
3.87% ▲ 0.94% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.94% above avgNationally 2.81%
Details

Balance: $500 - $99,999

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
3.32%3.84%4.37%Sep 14, 2026: 3.82% APYOct 5, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.87%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
36 Month IRA Certificates
$0
3.86% ▲ 0.93% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.93% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Certificates - 36 Month
$0
3.86% ▲ 0.93% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.93% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate 3 Year Certificate
$0
3.81% ▲ 0.88% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.93%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
36 Month Long Term Certificate Account
$0
3.80% ▲ 0.87% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 0.87% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 36 months
$500
3.80% ▲ 0.87% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 0.87% above avgNationally 2.81%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
36 Month Certificate
$1,000
3.75% ▲ 0.82% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
36 Month Certificates
$1,000
3.75% ▲ 0.82% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Jumbo CD
$10,000
3.75% ▲ 0.82% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Standard CD
$500
3.75% ▲ 0.82% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 36 Month Jumbo CD
$10,000
3.75% ▲ 0.82% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 36 Month Standard CD
$500
3.75% ▲ 0.82% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
36 Month Jumbo Certificates - Star Member
$0
3.70% ▲ 0.77% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 0.77% above avgNationally 2.81%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
36 Month IRA Certificate
$0
3.66% ▲ 0.73% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
3 Year Fixed-Rate Certificate
$500
3.66% ▲ 0.73% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate - 3-year term
$500
3.66% ▲ 0.73% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 0.73% above avgNationally 2.81%
Details

Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.

Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 25, 2026: 3.66% APYSep 25, 2026Oct 13, 2026
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
23 W Susquehanna Ave, Towson, MD 21204
IRA Certificates - 36 months
$0
3.66% ▲ 0.73% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.93%▲ 0.73% above avgNationally 2.81%
Details

Dividends compound daily and are credited monthly

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
36 Month Certificate - Star Member
$0
3.65% ▲ 0.72% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.93%▲ 0.72% above avgNationally 2.81%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 13, 2026

Maryland 48 Month CD Rates

MonitorBankRates Maryland Average · 48 Month CD2.85% APY▼ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Maryland is 2.85% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificate - 4 year
$20,000
5.00% ▲ 2.15% above Maryland avg
View
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.85%▲ 2.15% above avgNationally 2.80%
Details

Rate History
1 change since Oct 6, 2026 · 4.55% → 5.00% ▲ 0.45 pts · high 5.00% / low 4.55%
4.05%4.78%5.50%Oct 6, 2026: 4.55% APYOct 10, 2026: 5.00% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20265.00%▲ from 4.55%
  • Oct 6, 20264.55%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
4 Year Certificate
$500
4.85% ▲ 2.00% above Maryland avg
View
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.85%▲ 2.00% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.85% ▲ 0.45 pts · high 4.85% / low 4.40%
3.90%4.63%5.35%Sep 14, 2026: 4.40% APYOct 10, 2026: 4.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.85%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificate - 4 year
$500
4.85% ▲ 2.00% above Maryland avg
View
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.85%▲ 2.00% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.85% ▲ 0.45 pts · high 4.85% / low 4.40%
3.90%4.63%5.35%Sep 14, 2026: 4.40% APYOct 10, 2026: 4.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.85%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate
$0
4.60% ▲ 1.75% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.75% above avgNationally 2.80%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate
$0
4.55% ▲ 1.70% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.70% above avgNationally 2.80%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
48 Month Share Certificate
$0
4.50% ▲ 1.65% above Maryland avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.85%▲ 1.65% above avgNationally 2.80%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate
$0
4.50% ▲ 1.65% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.65% above avgNationally 2.80%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate
$0
4.40% ▲ 1.55% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.55% above avgNationally 2.80%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 48 Months
$500
4.35% ▲ 1.50% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 1.50% above avgNationally 2.80%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificates - 48 Months
$500
4.35% ▲ 1.50% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 1.50% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Traditional IRA Certificates - 48 Months
$500
4.35% ▲ 1.50% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 1.50% above avgNationally 2.80%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Bump-Up
$5,000
4.35% ▲ 1.50% above Maryland avg
View
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.85%▲ 1.50% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
48 Month 360 CDs
$0
4.30% ▲ 1.45% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.85%▲ 1.45% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
48 Month Share Certificate
$1,000
4.27% ▲ 1.42% above Maryland avg
View
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 1.42% above avgNationally 2.80%
Details

APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.70% → 4.27% ▲ 0.57 pts · high 4.27% / low 3.70%
3.13%3.99%4.84%Sep 25, 2026: 3.70% APYOct 4, 2026: 4.27% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.27%▲ from 3.70%
  • Sep 25, 20263.70%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
48 Month Share Certificate
$500
4.13% ▲ 1.28% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.28% above avgNationally 2.80%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 48 Months
$500
4.13% ▲ 1.28% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.28% above avgNationally 2.80%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
IRA Share Certificate - 48 Months
$500
4.06% ▲ 1.21% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 1.21% above avgNationally 2.80%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 48 Months
$500
4.06% ▲ 1.21% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 1.21% above avgNationally 2.80%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
48 Month Share Certificate
$1,000
4.00% ▲ 1.15% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 1.15% above avgNationally 2.80%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate - 48 Months
$1,000
4.00% ▲ 1.15% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 1.15% above avgNationally 2.80%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.12% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.12% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.12% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.12% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
48 Month Share & IRA Share Certificates
$0
3.92% ▲ 1.07% above Maryland avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.07% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
48 Month Share Certificate
$500
3.87% ▲ 1.02% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 1.02% above avgNationally 2.80%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
48 Month IRA Certificates
$0
3.81% ▲ 0.96% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 0.96% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Certificates - 48 Month
$0
3.81% ▲ 0.96% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 0.96% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate 4 Year Certificate
$0
3.81% ▲ 0.96% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.85%▲ 0.96% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
48 Month Long Term Certificate Account
$0
3.80% ▲ 0.95% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 48 months
$500
3.80% ▲ 0.95% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.95% above avgNationally 2.80%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
48 Month Certificate
$1,000
3.75% ▲ 0.90% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.85%▲ 0.90% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Jumbo Certificates - Star Member
$0
3.75% ▲ 0.90% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.90% above avgNationally 2.80%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
48 Month Certificates
$1,000
3.75% ▲ 0.90% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 0.90% above avgNationally 2.80%
Details

Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Certificate - Star Member
$0
3.70% ▲ 0.85% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.85% above avgNationally 2.80%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Jumbo Certificates
$0
3.70% ▲ 0.85% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 21, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
48 Month CD
$0
3.67% ▲ 0.82% above Maryland avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.82% above avgNationally 2.80%
Details

Rate History
3 changes since Sep 14, 2026 · 3.79% → 3.67% ▼ 0.12 pts · high 3.79% / low 3.67%
3.17%3.73%4.29%Sep 14, 2026: 3.79% APYSep 20, 2026: 3.71% APYSep 24, 2026: 3.74% APYOct 8, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.67%▼ from 3.74%
  • Sep 24, 20263.74%▲ from 3.71%
  • Sep 20, 20263.71%▼ from 3.79%
  • Sep 14, 20263.79%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Certificate
$0
3.65% ▲ 0.80% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.80% above avgNationally 2.80%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
4 Year Fixed-Rate Certificate
$500
3.61% ▲ 0.76% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.76% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 8, 2026: 3.61% APYOct 8, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate - 4-year term
$500
3.61% ▲ 0.76% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.76% above avgNationally 2.80%
Details

Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.

Rate History
No change since Sep 25, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Sep 25, 2026: 3.61% APYSep 25, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 48 months
$500
3.60% ▲ 0.75% above Maryland avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.85%▲ 0.75% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
2.90%3.50%4.10%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.60%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
122 W Union St, Cumberland, MD 21502
48 Month IRA Share Certificate
$500
3.56% ▲ 0.71% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.71% above avgNationally 2.80%
Details

IRA Share Certificate; Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
122 W Union St, Cumberland, MD 21502
48 Month Share Certificate
$500
3.56% ▲ 0.71% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.71% above avgNationally 2.80%
Details

Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
48 Month Member Rewards Gold Certificate
$0
3.55% ▲ 0.70% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.70% above avgNationally 2.80%
Details

Member Rewards Gold: $100 Minimum

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
12820 Wisteria Dr, Germantown, MD 20874 2627
4 Year Regular & IRA Certificates
$0
3.55% ▲ 0.70% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 0.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
900 Caton Ave, Baltimore, MD 21229
IRA & Education Share Certificates - 48 Months
$0
3.55% ▲ 0.70% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 0.70% above avgNationally 2.80%
Details

Dividend Rate 3.50%; Penalty for early withdrawal applies; IRAs are also subject to IRS penalties

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
2.51%3.29%4.07%Sep 14, 2026: 3.03% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.55%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
48 Month Certificate
$0
3.50% ▲ 0.65% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.85%▲ 0.65% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates - 4 years
$0
3.50% ▲ 0.65% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.65% above avgNationally 2.80%
Details

Balance: $100,000 to $249,999

Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 4, 2026: 3.25% APYOct 12, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.50%▲ from 3.25%
  • Oct 4, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
48 Month IRA Certificate
$0
3.45% ▲ 0.60% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.60% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
48 Month Share Certificate
$500
3.45% ▲ 0.60% above Maryland avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.85%▲ 0.60% above avgNationally 2.80%
Details

Balance: $100,000 - $249,999

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.45%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
48 Month Member Rewards Silver Certificate
$0
3.43% ▲ 0.58% above Maryland avg
View
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.58% above avgNationally 2.80%
Details

Member Rewards Silver: $100 Minimum

Rate History
No change since Sep 25, 2026 · 3.43% APY · checked 4 times
2.93%3.43%3.93%Sep 25, 2026: 3.43% APYSep 25, 2026Oct 13, 2026
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates - 4 years
$0
3.40% ▲ 0.55% above Maryland avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.85%▲ 0.55% above avgNationally 2.80%
Details

Balance: $1,000 to $99,999

Rate History
2 changes since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90%
2.40%3.15%3.90%Sep 14, 2026: 2.90% APYOct 4, 2026: 3.15% APYOct 12, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.40%▲ from 3.15%
  • Oct 4, 20263.15%▲ from 2.90%
  • Sep 14, 20262.90%first recorded

Maryland 60 Month CD Rates

MonitorBankRates Maryland Average · 60 Month CD2.95% APY▲ 0.01% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Maryland is 2.95% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificate - 5 year
$20,000
5.05% ▲ 2.10% above Maryland avg
View
▼
Rate4.93%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 2.10% above avgNationally 2.90%
Details

Rate History
1 change since Oct 6, 2026 · 4.60% → 5.05% ▲ 0.45 pts · high 5.05% / low 4.60%
4.10%4.82%5.55%Oct 6, 2026: 4.60% APYOct 10, 2026: 5.05% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20265.05%▲ from 4.60%
  • Oct 6, 20264.60%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
5 Year Certificate
$500
4.90% ▲ 1.95% above Maryland avg
View
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 1.95% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.45% → 4.90% ▲ 0.45 pts · high 4.90% / low 4.45%
3.95%4.68%5.40%Sep 14, 2026: 4.45% APYOct 10, 2026: 4.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.90%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificate - 5 year
$500
4.90% ▲ 1.95% above Maryland avg
View
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 1.95% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.45% → 4.90% ▲ 0.45 pts · high 4.90% / low 4.45%
3.95%4.68%5.40%Sep 14, 2026: 4.45% APYOct 10, 2026: 4.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.90%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate
$0
4.60% ▲ 1.65% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.65% above avgNationally 2.90%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
60 Month Share Certificate
$0
4.55% ▲ 1.60% above Maryland avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.95%▲ 1.60% above avgNationally 2.90%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28%
3.78%4.42%5.05%Sep 18, 2026: 4.28% APYSep 27, 2026: 4.55% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.55%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate
$0
4.55% ▲ 1.60% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.60% above avgNationally 2.90%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 13, 2026: 4.55% APYOct 13, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates - 60 Months
$500
4.50% ▲ 1.55% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.55% above avgNationally 2.90%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificates - 60 Months
$500
4.50% ▲ 1.55% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.55% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Traditional IRA Certificates - 60 Months
$500
4.50% ▲ 1.55% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.55% above avgNationally 2.90%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate
$0
4.50% ▲ 1.55% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.55% above avgNationally 2.90%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
60 Month CD Online and In Branch
$500
4.40% ▲ 1.45% above Maryland avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.95%▲ 1.45% above avgNationally 2.90%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate
$0
4.40% ▲ 1.45% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.45% above avgNationally 2.90%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Bump-Up
$5,000
4.40% ▲ 1.45% above Maryland avg
View
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 1.45% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.40% ▲ 0.45 pts · high 4.40% / low 3.95%
3.45%4.18%4.90%Sep 14, 2026: 3.95% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
60 Month Share Certificate
$1,000
4.31% ▲ 1.36% above Maryland avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.36% above avgNationally 2.90%
Details

APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.73% → 4.31% ▲ 0.58 pts · high 4.31% / low 3.73%
3.15%4.02%4.89%Sep 25, 2026: 3.73% APYOct 4, 2026: 4.31% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.31%▲ from 3.73%
  • Sep 25, 20263.73%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
60 Month 360 CDs
$0
4.30% ▲ 1.35% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.95%▲ 1.35% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
5720 Silver Hill Rd, District Heights, MD 20747
60 Month Traditional or Roth IRA Certificate
$2,500
4.25% ▲ 1.30% above Maryland avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.30% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
60 Month Share Certificate
$500
4.13% ▲ 1.18% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.18% above avgNationally 2.90%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 60 Months
$500
4.13% ▲ 1.18% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.18% above avgNationally 2.90%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
IRA Share Certificate - 60 Months
$500
4.06% ▲ 1.11% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.11% above avgNationally 2.90%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 60 Months
$500
4.06% ▲ 1.11% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.11% above avgNationally 2.90%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
60 Month Share Certificate
$1,000
4.00% ▲ 1.05% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.05% above avgNationally 2.90%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate - 60 Months
$1,000
4.00% ▲ 1.05% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 1.05% above avgNationally 2.90%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates - 60 Month
$0
4.00% ▲ 1.05% above Maryland avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.05% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 1.05% above Maryland avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.05% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
60 Month Share & IRA Share Certificate
$0
3.97% ▲ 1.02% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 1.02% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.95% above Maryland avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 0.95% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
60 Month Share Certificate
$500
3.87% ▲ 0.92% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 0.92% above avgNationally 2.90%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.90% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 0.90% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
60 Month IRA Certificates
$0
3.84% ▲ 0.89% above Maryland avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Certificates - 60 Month
$0
3.84% ▲ 0.89% above Maryland avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 0.89% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
122 W Union St, Cumberland, MD 21502
60 Month IRA Share Certificate
$500
3.82% ▲ 0.87% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.87% above avgNationally 2.90%
Details

IRA Share Certificate; Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
122 W Union St, Cumberland, MD 21502
60 Month Share Certificate
$500
3.82% ▲ 0.87% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.87% above avgNationally 2.90%
Details

Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate 5 Year Certificate
$0
3.81% ▲ 0.86% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 13, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 60 months
$500
3.80% ▲ 0.85% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.85% above avgNationally 2.90%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Jumbo Certificates - Star Member
$0
3.80% ▲ 0.85% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.85% above avgNationally 2.90%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
60 Month Certificate
$1,000
3.75% ▲ 0.80% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.95%▲ 0.80% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Certificate - Star Member
$0
3.75% ▲ 0.80% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.80% above avgNationally 2.90%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Jumbo Certificates
$0
3.75% ▲ 0.80% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.80% above avgNationally 2.90%
Details

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
60 Month Certificates
$1,000
3.75% ▲ 0.80% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 0.80% above avgNationally 2.90%
Details

Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
60 Month Certificate
$500
3.75% ▲ 0.80% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 0.80% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.00% APYOct 6, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.75%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
60 Month CD
$0
3.70% ▲ 0.75% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.75% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 14, 2026 · 3.83% → 3.70% ▼ 0.13 pts · high 3.83% / low 3.70%
3.20%3.77%4.33%Sep 14, 2026: 3.83% APYSep 20, 2026: 3.74% APYSep 24, 2026: 3.73% APYOct 8, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.70%▼ from 3.73%
  • Sep 24, 20263.73%▼ from 3.74%
  • Sep 20, 20263.74%▼ from 3.83%
  • Sep 14, 20263.83%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Certificate
$0
3.70% ▲ 0.75% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.75% above avgNationally 2.90%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
23 W Susquehanna Ave, Towson, MD 21204
IRA Certificates - 60 months
$0
3.66% ▲ 0.71% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.95%▲ 0.71% above avgNationally 2.90%
Details

Dividends compound daily and are credited monthly

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
5-year online CDs
$0
3.60% ▲ 0.65% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.95%▲ 0.65% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
60 Month Certificate
$0
3.60% ▲ 0.65% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maryland Average2.95%▲ 0.65% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 60 months
$500
3.60% ▲ 0.65% above Maryland avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 0.65% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
2.90%3.50%4.10%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.60%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificate - 5 Years
$0
3.60% ▲ 0.65% above Maryland avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maryland Average2.95%▲ 0.65% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
5 Year Fixed-Rate Certificate
$500
3.56% ▲ 0.61% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate - 5-year term
$500
3.56% ▲ 0.61% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.61% above avgNationally 2.90%
Details

Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
60 Month Member Rewards Gold Certificate
$0
3.55% ▲ 0.60% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.95%▲ 0.60% above avgNationally 2.90%
Details

Member Rewards Gold: $100 Minimum

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
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 Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Maryland Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
CFG Bank
18 Month CD Online and In Branch
D 3.3 ★ TX: 35.17%
Min: $500
4.50%
EagleBank
12 Month CD
A 5.0 ★ TX: 11.84%
Min: $1,000
4.45%
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
Arundel Federal Savings Bank
18 Month Certificate
A+ 5.0 ★ TX: 2.77%
Min: $1,000
4.24%
CU Top 5 Credit Union Rates
Tower Federal Credit Union
2 Year Certificate
A+ 5.0 ★ TX: 1.97%
Min: $500
5.20%
NATIONAL INSTITUTES OF HEALTH
12 Month Jumbo Certificate
A+ 5.0 ★ TX: 4.98%
Min: $100,000
5.00%
FIRST EAGLE
1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
Educational Systems Federal Credit Union
18 Month Jumbo Certificates - Star Member
A+ 5.0 ★ TX: 3.40%
Min: $0
4.65%
Patriot Federal Credit Union
48 Month Share Certificate
A+ 5.0 ★ TX: 1.50%
Min: $0
4.60%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Maryland CD Rate Trends

Compare local Maryland CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Maryland CD Trends
12-Month CD MD Avg
3.257%
▼ 0.009 vs 7 days ago

Maryland 12-month CD rates fell 0.009 points over the past 7 days to 3.257% APY.

6-Month CD MD Avg
2.784%
▲ 0.033 vs 7 days ago

Maryland 6-month CD rates rose 0.033 points over the past 7 days to 2.784% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

MD CD Rate Forecast, Next 12 Months

Where are Maryland CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MD 12-Month Avg APY
3.257%
6-Month Forecast
3.257%
Range: 3.06%, 3.41%
12-Month Forecast
3.507%
Range: 3.31%, 3.66%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Maryland average 12-month CD APY in our database.

Spread model: The Maryland 12-month CD average currently trades 1.12% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at MD CD Rates Today

Annual interest earnings at today’s Maryland average APYs. State average used where available; national average as fallback.

CD Term MD Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.664% $83.18 $166.36 $415.90 $831.80
6-Month CD 2.784% $139.20 $278.40 $696.00 $1,392.00
12-Month CD 3.257% $162.83 $325.66 $814.15 $1,628.30
18-Month CD 3.102% $155.08 $310.15 $775.38 $1,550.75
24-Month CD 2.962% $148.11 $296.21 $740.53 $1,481.05
36-Month CD 2.935% $146.75 $293.49 $733.73 $1,467.45
48-Month CD 2.852% $142.60 $285.20 $713.00 $1,426.00
60-Month CD 2.947% $147.37 $294.73 $736.82 $1,473.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Maryland Savers

$25,000 split equally across 5 terms using today’s Maryland average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit MD Avg APY Annual Earnings
1 3-Month CD $5,000 1.664% $83.18
2 6-Month CD $5,000 2.784% $139.20
3 12-Month CD $5,000 3.257% $162.83
4 24-Month CD $5,000 2.962% $148.11
5 36-Month CD $5,000 2.935% $146.75
Total ($25,000 invested) $25,000 2.720% blended $680.07/yr

Ladder example uses equal $5,000 rungs and Maryland average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
1,059
CD Rates
Tracked in Maryland
35 Banks 53 Credit Unions

About Our Maryland CD Rate Database

MonitorBankRates tracks 1,059 CD rates from 35 banks and 53 credit unions with locations in Maryland, plus national online institutions available to Maryland residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Tower Federal Credit Union offers a CD at 5.20% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Maryland.

How to Find the Best CD Rates in Maryland

What to compare when shopping for a CD in Maryland

To find the best APYs in Maryland, start with credit unions and online-only banks: Maryland has 53 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Maryland

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Maryland: 88 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Maryland savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Maryland money market rates

Maryland Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$56,984
National avg: $47,340
Poverty Rate
9.4%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$186/yr
At MD 12-mo avg 3.257% APY

16.7% of residents are 65 or older, below the national average of 17.3%. At today’s MD 12-month CD average of 3.257%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $186 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Maryland

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Maryland

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Maryland typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Maryland as everywhere in the U.S.

Choosing a CD Term in Maryland

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Maryland savers easier access to their funds. For example, NATIONAL INSTITUTES OF HEALTH is offering its 6 Month Youth Saver Certificate at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tower Federal Credit Union is offering its Mini-Jumbo IRA Share Certificate - 5 year at 5.05% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Maryland Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Maryland saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Maryland

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Maryland CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Maryland

Most CDs carry a fixed rate that is locked for the entire term, protecting a Maryland depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Maryland

Are CD rates in Maryland FDIC insured?

Yes, most established banks in Maryland are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Maryland?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Maryland.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Maryland may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Maryland?

Here are recent top rates found for this area:
  • Tower Federal Credit Union: 5.20% APY (2 Year Certificate)
  • NATIONAL INSTITUTES OF HEALTH: 5.00% APY (12 Month Jumbo Certificate)
  • FIRST EAGLE: 5.00% APY (1 Year Certificate)
  • Educational Systems Federal Credit Union: 4.65% APY (18 Month Jumbo Certificates - Star Member)
  • Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
  • HEMA Federal Credit Union: 4.59% APY (36 Month Share Certificate)
  • POCU of Maryland: 4.59% APY (12 Month High Rate CD Special)
  • NASA Federal Credit Union: 4.55% APY (60 Month Share Certificate)
  • Capital Area Realtors Federal Credit Union: 4.52% APY (24 Month Certificate of Deposit (CD))
  • CFG Bank: 4.50% APY (18 Month CD Online and In Branch)
Rates reflect recent verified offers available in Maryland. Last Updated: October 13, 2026

Maryland CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Maryland rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Maryland CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Maryland. Averages shown use the Maryland state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Maryland

Maryland CD Calculator

At today’s MD top rate of 5.20% APY, a $10,000 deposit earns $520 in the first year. Enter your amount to see your exact return.

Maryland CD Ladder

MD CD rates currently range from 1.664% (3-month) to 2.935% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Maryland CD at 5.20% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Maryland’s average 12-month CD is 3.257% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maryland CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Maryland directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Maryland. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MD.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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Cities in Maryland

  • Abell
  • Aberdeen
  • Aberdeen Proving Ground
  • Abingdon
  • Accident
  • Accokeek
  • Adamstown
  • Allen
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