Maryland CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Maryland CD rates include NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTH111 Rockville Pike Ste 500, Rockville, MD 20850A+5.0 ★Texas Ratio: 1.67%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Saver at 5.00% APY, U S POSTAL SERVICEU S POSTAL SERVICE7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730A+5.0 ★Texas Ratio: 4.34%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.30%Real return: +1.40%APY minus CPI (February 2026) offering 2 year at 4.20% APY, NASA Federal Credit UnionNASA Federal Credit Union500 Prince Georges Blvd, Upper Marlboro, MD 20774A+5.0 ★Texas Ratio: 4.46%Real return: +1.38%APY minus CPI (February 2026) offering 60 months Share Certificate at 4.18% APY, and Partners 1st Federal Credit UnionPartners 1st Federal Credit Union726 Cambridge Plz, Cambridge, MD 21613A+5.0 ★Texas Ratio: 3.69%Real return: +1.27%APY minus CPI (February 2026) offering 24 months at 4.07% APY. CD rates as of June 1, 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 5.00% APY from NATIONAL INSTITUTES OF HEALTH at 111 Rockville Pike Ste 500, Rockville, MD 20850. Rates are continually updated — 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: June 1, 2026
Compare Best CD Rates in Maryland
Maryland 3 Month CD Rates
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: 1.67%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month
$500
3.88%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
3 Month Regular Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
3 Month IRA Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 90 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
3 Month Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 90 days' dividends
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
3 Months Certificates of Deposit
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month
$500
3.62%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
203 Booth St, Elkton, MD 21921 5646
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
New Money Minimum
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
New Money Minimum
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
3-Month New Money
$0
3.55%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
1,2,3
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
5210 Chairmans Ct, FREDERICK, MD 21703
Business Certificates 3 Months
$0
3.47%
▼
Rate3.42%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
3-Month Certificates - (Share, IRA) Better Rewards
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD 20993
3 Month Share Certificate
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD 20993
3 months Share & IRA Share Certificates
$0
2.93%
▼
Rate2.89%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
3 Month Certificates - (Business)
$0
2.55%
▼
Rate2.51%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
3-Month Certificates - (Share, IRA)
$0
2.55%
▼
Rate2.51%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
3 Months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Preferred APY: 2.60%
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 3 Months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 3 Month Certificate
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
3 months Certificate of Deposit (CD)
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
3 months
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
3 Month Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
3 Months Regular CD
$500
2.00%
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
1.70%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate - Traditional IRA or Roth IRA
$100,000
1.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate - Traditional IRA or Roth IRA
$10,000
1.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
Short Term Certificate Account 3 months
$1,000
1.51%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
*APY assumes reinvestment at the same term for 12 months
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate - Traditional IRA or Roth IRA
$1,000
1.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
103 W Main St, Sharpsburg, MD 21782
3 Months Certificates of Deposit (cd) &Individual Retirement Accounts (ira)
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Jumbo Share Certificates 30 - 90 days
$100,000
1.00%
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
3 month
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Certificate of Deposit 3-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD 20815
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD 20815
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
3 month Certificate of Deposit (Consumer & Commercial), IRA Accounts
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
101 Crain Hwy S, Glen Burnie, MD 21061
3 Month
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
3 Month
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4520 East West Hwy, Bethesda, MD 20814
90 Day CD
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
726 Cambridge Plz, Cambridge, MD 21613
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 3 months
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
3 Months Share Certificate
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 3 Months
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Maryland 6 Month CD Rates
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: 1.67%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Youth Saver
$500
5.00%
▼
Rate4.88%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 Month CD
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 Months Certificates of Deposit
$1,000
3.95%
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
6 months Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
6 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 6 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
6 Month Certificate of Deposit
$7,500
3.80%
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
UpdatedMay 17, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
6 Month Certificates of Deposit
$7,500
3.80%
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
UpdatedMay 17, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
6 Month Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
103 W Main St, Sharpsburg, MD 21782
6 Months Certificates of Deposit (cd) &Individual Retirement Accounts (ira)
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
6 Month Standard CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
6 months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
6 months Certificate of Deposit (CD)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
6 Month Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 6 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificates 6 Months
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
655 Crain Hwy S, Glen Burnie, MD 21061
6 Month Certificate and Retirement Accounts
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
655 Crain Hwy S, Glen Burnie, MD 21061
6-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month
$500
3.62%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
6 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Standard and IRA: Minimum 6 months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 6 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
6 Month Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 6 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
6 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 90 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
6 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 90 days' dividends
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
6-Month Certificates - (Share, IRA) Better Rewards
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
6 Month Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
5210 Chairmans Ct, FREDERICK, MD 21703
Business Certificates 6 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
Short Term Certificate Account 6 month
$10,000
3.44%
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
*APY assumes reinvestment at the same term for 12 months
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
Short Term Certificate Account 6 months
$1,000
3.44%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
*APY assumes reinvestment at the same term for 12 months
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month
$500
3.38%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
6 Month CD
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 17, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
6 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (6 month term)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD 20707
6 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
8767 Satyr Hill Rd, Baltimore, MD 21234
Share & IRA Certificates 6 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 31, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
6 Months Regular CD
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
6-Month Certificates - (Share, IRA)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
6 Month Certificates - (Business)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD 20993
6 months Share & IRA Share Certificates
$0
2.98%
▼
Rate2.94%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
6 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Preferred APY: 3.25%
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 6 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
805 King Farm Blvd Ste 110, Rockville, MD 20850 6537
6 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 6-month
$10,000
2.60%
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
6-month Fixed Rate Share Certificates
$1,000
2.55%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
CNB Bank Berkeley Springs, WV
Institution Rating:
A5.0 ★Texas Ratio: 9.31%
333 E Main St, Hancock, MD 21750
6 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
122 W Union St, Cumberland, MD 21502
6 months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Maryland 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
1 year
$500
4.10%
▼
Rate4.02%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 1 year
$500
4.10%
▼
Rate4.02%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
726 Cambridge Plz, Cambridge, MD 21613
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
12 months Early Savers Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
12 months Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month CD
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Months Certificates of Deposit
$1,000
3.95%
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
12 Months Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
12 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
MyTimes Plus (members 65 and over): Minimum 12 Months
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
12 months Add-On Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
12 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
Long Term Certificate Account 12 months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
12-Month Certificates - (Share, IRA) Better Rewards
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
1 Year Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Account 12 months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
12 Month
$500
3.80%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
12 Month Certificates of Deposit
$1,000
3.80%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
12 Month Certificate of Deposit
$500
3.80%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
12 Month CD Online and In Branch
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
No additional deposits after initial deposit
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-Year Share Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-year term
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-year term Fixed-Rate Certificates
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 1-year term
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
12 Month Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
12 Month Standard CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 1 year
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 to $249,999
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 12-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 12-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Standard and IRA: Minimum 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
12-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates 12-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 12 months
$0
3.69%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
12 Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificates 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
YOUth Boost 12-Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 12 months
$0
3.67%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
1-year Jumbo
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
1-year Jumbo Certificate of Deposit (CD)
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
Roth Conversion IRA 1-year Jumbo
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 1 year
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
$1,000 to $99,999
Forbright
Institution Rating:
A-5.0 ★Texas Ratio: 15.52%
1700 Rockville Pike, Rockville, MD 20852
12 Month Growth CD
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Maryland 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
18 month
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Months Certificates of Deposit
$1,000
3.80%
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
18 Months Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
18 Month CD Online and In Branch
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
No additional deposits after initial deposit
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
18 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 18 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Variable-Rate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD 20747
18 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
18 Month Regular & IRA Accumulator Certificates
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
18 Month
$500
3.60%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
18 Month Certificate of Deposit
$500
3.60%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
18 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 18 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
14316 National Hwy SW, LaVale, MD 21502
18 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Minimum Deposit $500
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
18 Month CD/IRA
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
18-Month Certificates - (Share, IRA) Better Rewards
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
18 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificates 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
5210 Chairmans Ct, FREDERICK, MD 21703
Business Certificates 18 Months
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
655 Crain Hwy S, Glen Burnie, MD 21061
18 Month Certificate and Retirement Accounts
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD 20815
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD 20815
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Standard and IRA: Minimum 18 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD 20815
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
CNB Bank Berkeley Springs, WV
Institution Rating:
A5.0 ★Texas Ratio: 9.31%
333 E Main St, Hancock, MD 21750
18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
18 Months Regular CD
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 18 months
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 to $249,999
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
18 Month Certificate
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
18 Month IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
18 Month Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 180 days' dividends
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 18 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 18 months
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
$1,000 to $99,999
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
18 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Preferred APY: 3.50%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month IRA Term Certificates
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month Roth IRA Term Certificates
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month SEP IRA Term Certificates
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD 20707
18 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 18 months
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
18 months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
18 months Certificate of Deposit (CD)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
Roth Conversion IRA 18 months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
975 E Pulaski Hwy, Elkton, MD 21921 6357
IRA/ESA 18 months
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
975 E Pulaski Hwy, Elkton, MD 21921 6357
Regular Certificates 18 months
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Maryland 24 Month CD Rates
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: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
2 year
$500
4.20%
▼
Rate4.11%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 2 year
$500
4.20%
▼
Rate4.11%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
726 Cambridge Plz, Cambridge, MD 21613
24 months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
24 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
24 months Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
24 months Bump Rate Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
14316 National Hwy SW, LaVale, MD 21502
24 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Minimum Deposit $500+
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
2-year term Fixed-Rate Certificates
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Jumbo 2-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
24-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Raise Your Rate Share Certificate 24-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates 24-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
24 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 24 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
24 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
2 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (24 month term)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Account 24 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
Long Term Certificate Account 24 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
24 Month Standard CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
24 Months Regular CD
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Forbright
Institution Rating:
A-5.0 ★Texas Ratio: 15.52%
1700 Rockville Pike, Rockville, MD 20852
24 Month Growth CD
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 24 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
IRA 24 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 24 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 24 months
$0
3.43%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
40 W Plaza, Catonsville, MD 21228
24-Month Certificates - (Share, IRA) Better Rewards
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Years Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
2-year Jumbo Certificate of Deposit (CD)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
Roth Conversion IRA 2-year Jumbo
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Years Share Certificates
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
971 Corporate Blvd, Linthicum, MD 21090 2342
2-year Jumbo
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Super: Minimum 24 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$25,000
Maryland 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
36 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
36 months Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
36 months Bump Rate Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
3 year
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 3 year
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
36 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 36 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
36 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Jumbo 3-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
36-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Raise Your Rate Share Certificate 36-Month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates 36-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
3-year term
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
3-year term Fixed-Rate Certificates
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 3-year term
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
Long Term Certificate Account 36 months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Account 36 months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
3 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
36 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Variable-Rate Certificate 3-year term
$50
3.56%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Variable-Rate 3-year term
$50
3.56%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
MyTimes (members 50 and over): Minimum 36 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Standard CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
36 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 180 days' dividends
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
36 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 180 days' dividends
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
36 Months Regular CD
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
36 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 36 months
$0
3.47%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 36 months
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
IRA 36 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 36 months
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Share Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
36 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
No additional deposits after initial deposit
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificates 36 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 36 Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
14316 National Hwy SW, LaVale, MD 21502
36 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Minimum Deposit $500+
Forbright
Institution Rating:
A-5.0 ★Texas Ratio: 15.52%
1700 Rockville Pike, Rockville, MD 20852
36 Month Growth CD
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Maryland 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
48 months Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
48 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificates
$20,000
4.05%
▼
Rate3.97%
Min Deposit$20,000
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo Share Certificates
$20,000
4.05%
▼
Rate3.97%
Min Deposit$20,000
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 4 year
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 48 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
3.75%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 22, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 48-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
48 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
48-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Raise Your Rate Share Certificate 48-Month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate - Traditional IRA or Roth IRA
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate - Traditional IRA or Roth IRA
$10,000
3.65%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
4-year term Fixed-Rate Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
48 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Member Rewards Gold: Minimum 48 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate - Traditional IRA or Roth IRA
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
4 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
48 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
48 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
48 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 180 days' dividends
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
Long Term Certificate Account 48 months
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Account 48 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Member Rewards Silver: Minimum 48 months
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 48 months
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Bump-Up IRA Share Certificates
$5,000
3.40%
▼
Rate3.34%
Min Deposit$5,000
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Bump-Up Share Certificates
$5,000
3.40%
▼
Rate3.34%
Min Deposit$5,000
Min Balance—
UpdatedJun 1, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Standard and IRA: Minimum 48 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Super: Minimum 48 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD 20747
48 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD 20993
48 months Share & IRA Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 4 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 to $249,999
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
122 W Union St, Cumberland, MD 21502
48 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
122 W Union St, Cumberland, MD 21502
IRA Share Cert. 48 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 4 years
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
$1,000 to $99,999
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 48 months
$0
3.11%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 48 months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Maryland 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
60 months Share Certificate
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo IRA Share Certificates
$20,000
4.10%
▼
Rate4.02%
Min Deposit$20,000
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo Share Certificates
$20,000
4.10%
▼
Rate4.02%
Min Deposit$20,000
Min Balance—
UpdatedJun 1, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
60 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year
$500
3.95%
▼
Rate3.87%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 5 year
$500
3.95%
▼
Rate3.87%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
60 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 60 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
3.75%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 22, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
60 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
60-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate - Traditional IRA or Roth IRA
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate - Traditional IRA or Roth IRA
$10,000
3.65%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Jumbo 5-year term
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
999 Corporate Blvd, Linthicum Heights, MD 21090
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
60 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
60 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
5-year term
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
5-year term Fixed-Rate Certificates
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 5-year term
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Member Rewards Gold: Minimum 60 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Account 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
22745 Maple Rd, Lexington Park, MD 20653
Long Term Certificate Account 60 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate - Traditional IRA or Roth IRA
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
5 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
60 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 180 days' dividends
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
5 Years Share Certificates
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
60 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
60 Month Golden Year Share Certificate
$5,000
3.50%
▼
Rate3.44%
Min Deposit$5,000
Min Balance—
UpdatedMay 29, 2026
Details
must be 62 years of age or older
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Bump-Up IRA Share Certificates
$5,000
3.45%
▼
Rate3.39%
Min Deposit$5,000
Min Balance—
UpdatedJun 1, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Bump-Up Share Certificates
$5,000
3.45%
▼
Rate3.39%
Min Deposit$5,000
Min Balance—
UpdatedJun 1, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Member Rewards Silver: Minimum 60 months
$0
3.43%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$100
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 60 months
$0
3.42%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 60 months
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 60 months
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
60 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
No additional deposits after initial deposit
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
10903 New Hampshire Ave, Silver Spring, MD 20993
60 months Share & IRA Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
122 W Union St, Cumberland, MD 21502
60 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
122 W Union St, Cumberland, MD 21502
IRA Share Cert. 60 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
Super: Minimum 60 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$25,000
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD 20747
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
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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.
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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.
12-Month CD — MD Avg
3.274%
▲ 0.120 vs 7 days ago
Maryland 12-month CD rates rose 0.120 points over the past 7 days to 3.274% APY.
6-Month CD — MD Avg
2.859%
▲ 0.055 vs 7 days ago
Maryland 6-month CD rates rose 0.055 points over the past 7 days to 2.859% APY.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MD CD Rate Forecast — Next 12 Months
Where are Maryland CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MD 12-Month Avg APY
3.274%
6-Month Forecast
3.274%
Range: 3.07% – 3.42%
12-Month Forecast
3.024%
Range: 2.82% – 3.17%
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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 | 1.976% | $98.79 | $197.57 | $493.93 | $987.85 |
| 6-Month CD | 2.859% | $142.96 | $285.92 | $714.80 | $1,429.60 |
| 12-Month CD | 3.274% | $163.71 | $327.41 | $818.53 | $1,637.05 |
| 18-Month CD | 2.956% | $147.80 | $295.59 | $738.98 | $1,477.95 |
| 24-Month CD | 3.034% | $151.71 | $303.41 | $758.53 | $1,517.05 |
| 36-Month CD | 3.046% | $152.30 | $304.59 | $761.48 | $1,522.95 |
| 48-Month CD | 2.991% | $149.53 | $299.05 | $747.63 | $1,495.25 |
| 60-Month CD | 2.688% | $134.40 | $268.79 | $671.98 | $1,343.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 2026. | |||||
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.
| Rung | Term | Deposit | MD Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.976% | $98.79 |
| 2 | 6-Month CD | $5,000 | 2.859% | $142.96 |
| 3 | 12-Month CD | $5,000 | 3.274% | $163.71 |
| 4 | 24-Month CD | $5,000 | 3.034% | $151.71 |
| 5 | 36-Month CD | $5,000 | 3.046% | $152.30 |
| Total ($25,000 invested) | $25,000 | 2.838% blended | $709.47/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.
649
CD Rates
Tracked in Maryland
Tracked in Maryland
24 Banks
40 Credit Unions
About Our Maryland CD Rate Database
MonitorBankRates tracks 649 CD rates from 24 banks and 40 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 (1–5), 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: NATIONAL INSTITUTES OF HEALTH offers a CD at 5.00% 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 40 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 — 64 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Maryland savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$187/yr
At MD 12-mo avg 3.274% 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 3.274%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $187 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 (90–180 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 at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, NASA Federal Credit Union is offering its 60 months Share Certificate at 4.18% 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:
- NATIONAL INSTITUTES OF HEALTH: 5.00% APY (6 Month Youth Saver)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Tower Federal Credit Union: 4.20% APY (2 year)
- NASA Federal Credit Union: 4.18% APY (60 months Share Certificate)
- Partners 1st Federal Credit Union: 4.07% APY (24 months)
- WEPCO Federal Credit Union: 4.06% APY (24 Months Share Certificate)
- Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
- EagleBank: 3.95% APY (12 Month CD)
- APL Federal Credit Union: 3.95% APY (12 Months Certificate of Deposit)
- Capital One Bank: 3.90% APY (12 Months)
Rates reflect recent verified offers available in Maryland. Last Updated: June 1, 2026
CD Calculators for Maryland
Maryland CD Calculator
At today’s MD top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Maryland CD LadderMD CD rates currently range from 1.976% (3-month) to 3.046% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Maryland CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaryland’s average 12-month CD is 3.274% 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: June 1, 2026
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