Maryland CD Rates Today - Compare Best APYs for May 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: 2.03%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: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, NASA Federal Credit UnionNASA Federal Credit Union500 Prince Georges Blvd, Upper Marlboro, MD 20774A+5.0 ★Texas Ratio: 4.88%Real return: +1.38%APY minus CPI (February 2026) offering 60 months at 4.18% APY, Partners 1st Federal Credit UnionPartners 1st Federal Credit Union726 Cambridge Plz, Cambridge, MD 21613A+5.0 ★Texas Ratio: 3.82%Real return: +1.27%APY minus CPI (February 2026) offering 24 months at 4.07% APY, and WEPCO Federal Credit UnionWEPCO Federal Credit Union12511 Winchester Rd SW, LaVale, MD 21502A+5.0 ★Texas Ratio: 3.70%Real return: +1.26%APY minus CPI (February 2026) offering 48 Months Share Certificate at 4.06% APY. CD rates as of May 12, 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: May 12, 2026
Compare Best CD Rates in Maryland
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: 2.03%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month
$500
3.88%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
3 Month Regular Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 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 5, 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 5, 2026
Details
Penalty: Loss of 90 days' dividends
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 4, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month
$500
3.62%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
203 Booth St, Elkton, MD 21921 5646
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
New Money Minimum
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 90 days/13 weeks
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
3 Months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 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 4, 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 IRA
$250
2.00%
▼
Rate1.99%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
3 months Certificate of Deposit (CD)
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 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 4, 2026
Details
Relationship APY
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
103 W Main St, Sharpsburg, MD 21782
CD/IRA 3 Months
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 3 month
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedMay 12, 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 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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 4, 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 5, 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 5, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
726 Cambridge Plz, Cambridge, MD 21613
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 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 4, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
8711 Georgia Ave, Silver Spring, MD 20910
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
8711 Georgia Ave, Silver Spring, MD 20910
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
8711 Georgia Ave, Silver Spring, MD 20910
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 3 months
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
3 Months Share Certificate
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 3 Months
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
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: 2.03%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Youth Saver
$500
5.00%
▼
Rate4.88%
Min Deposit$500
Min Balance—
UpdatedMay 12, 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 4, 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 4, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
6 months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
6 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 6 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 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 5, 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 5, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
6 Month Standard CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
103 W Main St, Sharpsburg, MD 21782
CD/IRA 6 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
6 Month Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 6 months/26 weeks
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
6 months Certificate of Deposit (CD)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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 4, 2026
Details
Minimum Deposit $1,000
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificates 6 Months
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 5, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month
$500
3.62%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Share Certificates 6 months
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
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 5, 2026
Details
Penalty: Loss of 90 days' dividends
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
6 Month Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 5, 2026
Details
Penalty: Loss of 90 days' dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
6 Month Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
6 months Share Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
6 months Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month
$500
3.38%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 12, 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 5, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
6 Months CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
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 7, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
6 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
8767 Satyr Hill Rd, Baltimore, MD 21234
6 Months Share & IRA Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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 4, 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 IRA
$250
3.00%
▼
Rate2.97%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
6 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
805 King Farm Blvd Ste 110, Rockville, MD 20850 6537
6 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
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 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
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 4, 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 5, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
6 months Share Certificates
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
IRA Share Cert. 6 months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
6 Month Share Certificate
$250,000
2.25%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 7, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD 21502
6 Months
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
6 Month Share Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
6 Month Share Certificate
$10,000
2.15%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 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
$500
2.00%
▼
Rate1.97%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 6 month
$500
1.35%
▼
Rate1.34%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
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: 2.27%
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—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
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—
UpdatedMay 12, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
726 Cambridge Plz, Cambridge, MD 21613
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 1 year
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 1 year
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7500 Greenway Center Dr, Greenbelt, MD 20770
12-month Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Star Member rate
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
11050 Johns Hopkins Rd, Laurel, MD 20723
12 Months
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
12 months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
12 months Early Savers
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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 4, 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 4, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
12 Months CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
12 months Add-On
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
12 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
12 Months Smart Share Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
22745 Maple Rd, Lexington Park, MD 20653
Easy Builder Long Term Certificate Account 12 months
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 6, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts 12 months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 12 months/52 weeks
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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 4, 2026
Details
No additional deposits after initial deposit
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
1 Year Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
Roth Conversion IRA 12 Month Platinum
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Requires SECU TotalTM Checking - Platinum level
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
12 Month Platinum Certificate of Deposit (CD)
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Requires SECU TotalTM Checking - Platinum level
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
12 Month Certificates of Deposit
$7,500
3.80%
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
UpdatedMay 5, 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 5, 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 5, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
12 Month Platinum
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Requires SECU TotalTM Checking - Platinum level
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-Year Share Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-year term
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-year term Fixed-Rate Certificates
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
12 Month Standard CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
12 Month Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
12 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 1 year
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Share Certificates 12 months
$500
3.69%
▼
Rate3.62%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
12 months Share Certificate
$0
3.67%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
12 months Share Certificates
$0
3.67%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Capital Area Realtors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.37%
15201 Diamondback Dr, Rockville, MD 20850 3312
IRA Certificate of Deposit (CD) 12 Months
$50,000
3.67%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
[New Money]
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 1 year
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 to $99,999
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
12 Month CD/IRA
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
with one-time bump up
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificates 12 Months
$0
3.62%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 12-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 12-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
Business Certificate 12 Month
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Fixed Rate; Automatic
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
18 Months Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
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 4, 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 4, 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 4, 2026
Details
No additional deposits after initial deposit
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
18 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 18 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
IRA Certificates 18 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
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 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Variable-Rate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMay 6, 2026
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 18 month
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
18 Month Regular & IRA Accumulator Certificates
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
18 Months CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 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 5, 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 5, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD 21502
18 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Rollover Share Certificate - 18 Months
$5,000
3.47%
▼
Rate3.41%
Min Deposit$5,000
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Share Certificates Rollover Share Certificate - 18 Months
$5,000
3.47%
▼
Rate3.41%
Min Deposit$5,000
Min Balance—
UpdatedMay 7, 2026
Details
Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.)
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 5, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month Roth IRA Term Certificates FedPerks
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month SEP IRA Term Certificates FedPerks
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificates 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month IRA Term Certificates FedPerks
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 4, 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 IRA
$250
3.25%
▼
Rate3.21%
Min Deposit$250
Min Balance—
UpdatedMay 4, 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 5, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 18 months
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 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 4, 2026
Details
Minimum Deposit $1,000
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 5, 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 5, 2026
Details
Penalty: Loss of 180 days' dividends
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 18 months
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 to $99,999
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
18 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
805 King Farm Blvd Ste 110, Rockville, MD 20850 6537
18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
18 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
Roth Conversion IRA 18 months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
18 months Certificate of Deposit (CD)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 18 months
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
Rising Rate 18 Months CD
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
975 E Pulaski Hwy, Elkton, MD 21921 6357
IRA/ESA 18 months
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
975 E Pulaski Hwy, Elkton, MD 21921 6357
Regular Certificates 18 months
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
101 Crain Hwy S, Glen Burnie, MD 21061
18 Month
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
18 Month
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
726 Cambridge Plz, Cambridge, MD 21613
24 months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
24 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 2 year
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 2 year
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
24 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
24 months Bump Rate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD 21502
24 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500+
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 4, 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 4, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
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 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
2-year term Fixed-Rate Certificates
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
24 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 24 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
IRA Certificates 24 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
3.65%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
24 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
24 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 24 months/2 years
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate - Traditional IRA or Roth IRA
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
2 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
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 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
24-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts 24 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate - Traditional IRA or Roth IRA
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 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 4, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
24 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
24 Month Standard CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 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 IRA
$250
3.50%
▼
Rate3.46%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 24 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Share Certificates 24 months
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
IRA 24 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
24 months Share Certificate
$0
3.43%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
24 months Share Certificates
$0
3.43%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Years Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
Roth Conversion IRA 2-year Jumbo
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
971 Corporate Blvd, Linthicum, MD 21090 2342
2-year Jumbo
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Years Share Certificates
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
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 10, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
Rising Rate 24 Months CD
$10,000
3.25%
▼
Rate3.21%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 2 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
24 Month IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
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: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
36 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
36 months
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
36 months Bump Rate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
36 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 36 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
IRA Certificates 36 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
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 7, 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 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
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 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 3 year
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 3 year
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
3-year term
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
3-year term Fixed-Rate Certificates
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts 36 months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 36 months/3 years
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
36 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
36 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
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 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
3 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
36-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Standard CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 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 5, 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
36 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
36 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
36 Months Regular IRA
$250
3.50%
▼
Rate3.46%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
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 4, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Share Certificates 36 months
$500
3.47%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
36 months Share Certificate
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
36 months Share Certificates
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
IRA 36 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 36 months
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Share Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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 4, 2026
Details
No additional deposits after initial deposit
Capital Area Realtors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.37%
15201 Diamondback Dr, Rockville, MD 20850 3312
IRA Certificate of Deposit (CD) 36 Months
$200,000
3.28%
▼
Rate—
Min Deposit$200,000
Min Balance—
UpdatedMay 7, 2026
Details
[New Money]
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificates 36 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 3 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD 21502
36 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500+
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Promotional Certificate of Deposit 36-Month Bump Up
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 3 years
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 to $99,999
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
36 months Share Certificates
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
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: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
48 months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
48 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificates
$20,000
3.95%
▼
Rate3.87%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo Share Certificates
$20,000
3.95%
▼
Rate3.87%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
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 7, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 48 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
IRA Certificates 48 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 4 year
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 4, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
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 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
4-year term Fixed-Rate Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 48-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
48 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
48 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
4 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
48-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
48 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 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 5, 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 5, 2026
Details
Penalty: Loss of 180 days' dividends
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts 48 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 48 months
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 4 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
48 months Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
IRA Share Cert. 48 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 4 years
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 to $99,999
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Share Certificates 48 months
$500
3.11%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
48 months Share Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
48 months Share Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 4 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
48 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD 21502
48 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500+
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
805 King Farm Blvd Ste 110, Rockville, MD 20850 6537
4 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
975 E Pulaski Hwy, Elkton, MD 21921 6357
IRA/ESA 48 months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
975 E Pulaski Hwy, Elkton, MD 21921 6357
Regular Certificates 48 months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
48 Month CD/IRA
$500
2.75%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
48 Month (Step-Up) Certificate
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum Deposit $1,000
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
655 Crain Hwy S, Glen Burnie, MD 21061
48 Month Certificate and Retirement Accounts
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
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: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
60 months
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
60 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo IRA Share Certificates
$20,000
4.00%
▼
Rate3.92%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo Share Certificates
$20,000
4.00%
▼
Rate3.92%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
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 7, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 5 year
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
60 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificates 60 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD 20895 1936
IRA Certificates 60 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 4, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
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 6, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
60 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
60 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
60 Months CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
5-year term
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
5-year term Fixed-Rate Certificates
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
5 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
60-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 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 5, 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 IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 5, 2026
Details
must be 62 years of age or older; No penalty for 1 withdrawal. Each additional withdrawal incurs a penalty equal to 180 days' dividends.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
5 Years Share Certificates
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Share Certificates 60 months
$500
3.42%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 60 months
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
60 months Share Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
60 months Share Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 4, 2026
Details
No additional deposits after initial deposit
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
60 months Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
IRA Share Cert. 60 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 5 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
726 Cambridge Plz, Cambridge, MD 21613
60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 5 years
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 to $99,999
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
60 Months
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
60 Months Regular CD
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD 21502
60 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500+
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 5 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Maryland at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- Maryland CD rates currently reach as high as 5.00% APY from NATIONAL INSTITUTES OF HEALTH. The rate table above ranks every offer we track for Maryland, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
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
2.894%
▲ 0.292 vs 7 days ago
Maryland 12-month CD rates rose 0.292 points over the past 7 days to 2.894% APY.
6-Month CD — MD Avg
1.811%
▲ 0.028 vs 7 days ago
Maryland 6-month CD rates rose 0.028 points over the past 7 days to 1.811% APY.
As of May 13, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MD 12-Month Avg APY
2.894%
6-Month Forecast
2.894%
Range: 2.69% – 3.04%
12-Month Forecast
2.644%
Range: 2.44% – 2.79%
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MonitorBankRates
What Your Savings Earn at MD CD Rates Today
Annual interest earnings at today’s Maryland average APYs. State average used where available; national average as fallback.
| CD Term | MD Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.028% | $51.39 | $102.77 | $256.93 | $513.85 |
| 6-Month CD | 1.811% | $90.55 | $181.09 | $452.73 | $905.45 |
| 12-Month CD | 2.894% | $144.72 | $289.43 | $723.58 | $1,447.15 |
| 18-Month CD | 2.962% | $148.10 | $296.20 | $740.50 | $1,481.00 |
| 24-Month CD | 3.089% | $154.44 | $308.88 | $772.20 | $1,544.40 |
| 36-Month CD | 2.995% | $149.74 | $299.47 | $748.68 | $1,497.35 |
| 48-Month CD | 3.021% | $151.06 | $302.12 | $755.30 | $1,510.60 |
| 60-Month CD | 2.737% | $136.83 | $273.66 | $684.15 | $1,368.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 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 | 1.028% | $51.39 |
| 2 | 6-Month CD | $5,000 | 1.811% | $90.55 |
| 3 | 12-Month CD | $5,000 | 2.894% | $144.72 |
| 4 | 24-Month CD | $5,000 | 3.089% | $154.44 |
| 5 | 36-Month CD | $5,000 | 2.995% | $149.74 |
| Total ($25,000 invested) | $25,000 | 2.363% blended | $590.84/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.
582
CD Rates
Tracked in Maryland
Tracked in Maryland
24 Banks
34 Credit Unions
About Our Maryland CD Rate Database
MonitorBankRates tracks 582 CD rates from 24 banks and 34 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 34 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 — 58 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
$165/yr
At MD 12-mo avg 2.894% 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 2.894%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $165 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 |
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)
- NASA Federal Credit Union: 4.18% APY (60 months)
- Partners 1st Federal Credit Union: 4.07% APY (24 months)
- WEPCO Federal Credit Union: 4.06% APY (48 Months Share Certificate)
- Tower Federal Credit Union: 4.05% APY (Regular and Special Share Certificates 2 year)
- Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
- EagleBank: 3.95% APY (6 Months Certificates of Deposit)
- Educational Systems Federal Credit Union: 3.95% APY (12-month Certificates)
- APL Federal Credit Union: 3.95% APY (12 Months)
Rates reflect recent verified offers available in Maryland. Last Updated: May 12, 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 1.028% (3-month) to 2.995% (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 2.894% 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
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 pulling data straight 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: May 12, 2026
Cities in Maryland
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