What are the best CD rates in Barton, Maryland?

Here are recent top rates found for this area: Tower Federal Credit Union : 4.50% APY (Regular IRA Share Certificates 1 year) U S POSTAL SERVICE : 4.25% APY (IRA Certificates 1 Year Starter Add-On) USALLIANCE : 4.10% APY (18 Month Certificate) Ukrainian Selfreliance Federal Credit Union : 4.08% APY (6 Month Certificate) Partners 1st Federal Credit Union : 4.00% APY (12-Month Savings Certificate Special) Vantage Point Federal Credit Union : 3.97% APY (Share & IRA Share Certificate (60 month term)) EagleBank : 3.95% APY (6 Month CD) Democracy Federal Credit Union : 3.85% APY (24 Month CD) Northrop Grumman Federal Credit Union : 3.84% APY (Bonus Certificate 12-Month) Mid-Atlantic Federal Credit Union : 3.80% APY (1 Year Regular & IRA Certificates)

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

MonitorBankRates

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iAdvertiser Disclosure

CD Rates Barton, Maryland (MD) for April 2026

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty — often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

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

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Barton, Maryland.

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

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: April 12, 2026

Current Barton, Maryland CD rates include Tower Federal Credit UnionTower Federal Credit UnionA+5.0 ★Texas Ratio: 1.36% offering Regular IRA Share Certificates 1 year at 4.50% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 21.07% offering 18 Month Certificate at 4.10% APY, Ukrainian Selfreliance Federal Credit UnionUkrainian Selfreliance Federal Credit UnionA+5.0 ★Texas Ratio: 1.47% offering 6 Month Certificate at 4.08% APY, and Partners 1st Federal Credit UnionPartners 1st Federal Credit UnionA+5.0 ★Texas Ratio: 3.82% offering 12-Month Savings Certificate Special at 4.00% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Barton is a smaller community with no bank or credit union branches currently in our database. 195 institutions serving the Maryland area are available to Barton residents, with CD rates as high as 4.50% APY from Tower Federal Credit Union. 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: April 12, 2026

Compare Best CD Rates in Barton, Maryland & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Mid-Atlantic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.64%

3 Month Regular Certificates

3.80%

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Peoples Bank Chestertown, MD

Institution Rating:

A+5.0 ★Texas Ratio: 1.95%

3 Month IRA Share Certificate

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Penalty: Loss of 90 days' dividends

Woori America Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.51%

WooriWON 3-month CD

$1,000

3.70%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Online Only

FedFinancial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.03%

3 Month Share Certificate

2.94%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Ukrainian Selfreliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.47%

3 Month Certificate

2.27%

View

▼

Rate2.25%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Early Withdrawal Penalty: 1 month interest

LM Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.29%

IRA 3 Month Certificate

2.10%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

3 Month Share Certificate - Traditional IRA or Roth IRA

$250,000

1.70%

View

▼

Rate—

Min Deposit$250,000

Min Balance—

UpdatedApr 12, 2026

Details

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

Regular and Special Share Certificates 3 month

$500

0.95%

View

▼

Rate0.95%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Fulton Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

Certificate of Deposit 3-Month

0.70%

View

▼

Rate0.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

3-month term Certificates (CDs)

0.60%

View

▼

Rate0.60%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

F&M Bank Upperco, MD

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

3 month Certificate of Deposit (Consumer & Commercial), IRA Accounts

$500

0.35%

View

▼

Rate0.35%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Presidential Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.69%

90 Day CD

$1,000

0.10%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

3 month Standard Fixed Rate CD

$2,500

0.06%

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Ukrainian Selfreliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.47%

6 Month Certificate

4.08%

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Early Withdrawal Penalty: 1 month interest

EagleBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.93%

6 Month CD

$1,000

3.95%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Mid-Atlantic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.64%

6 Month Regular & IRA Certificates

3.80%

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

LM Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.29%

IRA 6 Month Certificate

3.70%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Arundel Federal Savings Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.48%

6-Month CD

3.65%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificates 6 Month

3.60%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Peoples Bank Chestertown, MD

Institution Rating:

A+5.0 ★Texas Ratio: 1.95%

6 Month IRA Share Certificate

3.50%

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Penalty: Loss of 90 days' dividends

Cedar Point Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.92%

Short Term Certificate Account 6 month

$10,000

3.44%

View

▼

Rate3.40%

Min Deposit$10,000

Min Balance—

UpdatedApr 12, 2026

Details

*APY assumes reinvestment at the same term for 12 months

Jarrettsville Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

6 Month CD

$2,500

3.30%

View

▼

Rate3.25%

Min Deposit$2,500

Min Balance—

UpdatedApr 12, 2026

Details

Vantage Point Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

Share & IRA Share Certificates (6 month term)

3.14%

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

First Financial of Maryland FCU

Institution Rating:

A+5.0 ★

6 Month Certificates - (Business)

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

WSSC Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.05%

6 Month Certificate

$500

2.78%

View

▼

Rate2.75%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Andrews Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.92%

Jumbo Fixed Rate Share Certificates 6-month

$10,000

2.60%

View

▼

Rate2.58%

Min Deposit$10,000

Min Balance—

UpdatedApr 12, 2026

Details

Democracy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

Youth Savings Certificate 6 Month Certificate

$25

2.50%

View

▼

Rate2.47%

Min Deposit$25

Min Balance—

UpdatedApr 12, 2026

Details

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

6 Month Share Certificate

$250,000

2.25%

View

▼

Rate—

Min Deposit$250,000

Min Balance—

UpdatedApr 12, 2026

Details

Homewood Federal SB

Institution Rating:

A+5.0 ★Texas Ratio: 1.39%

6 Month Certificate of Deposit

$500

2.00%

View

▼

Rate1.97%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

BayVanguard Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.54%

4 - 6 Month Certificate of Deposit

1.51%

View

▼

Rate1.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

6-month term Certificates (CDs)

1.35%

View

▼

Rate1.34%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

InFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.55%

6 Month - Certificate

$1,000

0.75%

View

▼

Rate0.75%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Fulton Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

Certificate of Deposit 6-Month

0.70%

View

▼

Rate0.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

POCU of Maryland

Institution Rating:

A+5.0 ★

6-Month Term Regular & IRA Certificates

0.60%

View

▼

Rate0.60%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

F&M Bank Upperco, MD

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

6 month Certificate of Deposit (Consumer & Commercial), IRA Accounts

$500

0.45%

View

▼

Rate0.45%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

6 month Standard Fixed Rate CD

$2,500

0.06%

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

UpdatedApr 12, 2026

Details

IBEW 26 Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

6 Month IRA Certificate

$1,000

0.01%

View

▼

Rate0.01%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

Regular IRA Share Certificates 1 year

$500

4.50%

View

▼

Rate4.40%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 2.27%

IRA Certificates 1 Year Starter Add-On

4.25%

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

USALLIANCE

Institution Rating:

B4.5 ★Texas Ratio: 21.07%

12 Month Certificate

4.05%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Partners 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.82%

12-Month Savings Certificate Special

$500

4.00%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

This is a limited time offer and can end without notice.

EagleBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.93%

12 Month CD

$1,000

3.95%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificate 12-Month

3.84%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Mid-Atlantic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.64%

1 Year Regular & IRA Certificates

3.80%

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Lafayette Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.75%

1-Year Share Certificate

3.76%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

SkyPoint Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.30%

12 Month Certificates

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Municipal Employees Credit Union of Balt Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.50%

Regular CD 12-month

$500

3.65%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Andrews Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.92%

Jumbo Fixed Rate Share Certificates 12-month

$10,000

3.60%

View

▼

Rate3.55%

Min Deposit$10,000

Min Balance—

UpdatedApr 12, 2026

Details

Ukrainian Selfreliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.47%

12 Month Certificate

3.56%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Early Withdrawal Penalty: 3 months interest

Freedom Of Maryland Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.35%

Regular Share, Youth and IRA Certificates 12-Month

$300

3.55%

View

▼

Rate3.50%

Min Deposit$300

Min Balance—

UpdatedApr 12, 2026

Details

LM Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.29%

12 Month Certificate

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Vantage Point Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

Share & IRA Share Certificates (12 month term)

3.45%

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Northwest Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.21%

IRA Certificates 1 year

$1,000

3.40%

View

▼

Rate3.35%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

First Financial of Maryland FCU

Institution Rating:

A+5.0 ★

12 Month Certificates - (Business)

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Presidential Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.69%

1 Year CD

$1,000

3.25%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

Central Credit Union of Maryland

Institution Rating:

A+5.0 ★Texas Ratio: 0.61%

1 Year Certificate of Deposit

$500

3.04%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

IBEW 26 Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.13%

12 Month Share Certificate

$1,000

3.04%

View

▼

Rate3.00%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Market USA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.88%

Regular, IRA, & ESA Certificate 12 Month Accumulator

2.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Glen Burnie MSB

Institution Rating:

A5.0 ★Texas Ratio: 9.65%

Fixed Rate 12 Month IRA Certificates

$250

2.53%

View

▼

Rate2.50%

Min Deposit$250

Min Balance—

UpdatedApr 12, 2026

Details

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

12 Month Share Certificate - Traditional IRA or Roth IRA

$250,000

2.35%

View

▼

Rate—

Min Deposit$250,000

Min Balance—

UpdatedApr 12, 2026

Details

Money One Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.79%

Certificates 1 year

2.07%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

InFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.55%

1 Year - Certificate or IRA Certificate

$1,000

1.76%

View

▼

Rate1.75%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

BayVanguard Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.54%

7 - 12 Month Certificate of Deposit

1.51%

View

▼

Rate1.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Washington County Teachers Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.90%

12 Month Term Share Certificates (CDs)

1.50%

View

▼

Rate1.49%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Dividends are compounded monthly and paid monthly or on maturity. Minimum balance of $1,000 is required to open and maintain a certificate account. Once a certificate is opened, no additions can be made until maturity. Early Withdrawal Penalty - The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

12-month term Certificates (CDs)

1.40%

View

▼

Rate1.39%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Cecil Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.62%

1-Year CD

$500

1.16%

View

▼

Rate1.15%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

F&M Bank Upperco, MD

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

12 month Certificate of Deposit (Consumer & Commercial), IRA Accounts

$500

1.00%

View

▼

Rate0.99%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

POCU of Maryland

Institution Rating:

A+5.0 ★

12-Month Term Regular & IRA Certificates

0.80%

View

▼

Rate0.80%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Fulton Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

Certificate of Deposit 12-Month

0.70%

View

▼

Rate0.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

First Citizens Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

1-year convertible CD

$500

0.01%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

USALLIANCE

Institution Rating:

B4.5 ★Texas Ratio: 21.07%

18 Month Certificate

4.10%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

EagleBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.93%

18 Month CD

$1,000

3.80%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

CFG Bank

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

18 Month CD Online and In Branch

$500

3.70%

View

▼

Rate3.64%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

No additional deposits after initial deposit

InFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.55%

Youth Month Certificate Special - 18 Month Term

$100

3.69%

View

▼

Rate3.64%

Min Deposit$100

Min Balance—

UpdatedApr 12, 2026

Details

Lafayette Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.75%

IRA Variable-Rate Certificate 18-month term

$50

3.66%

View

▼

Rate3.60%

Min Deposit$50

Min Balance—

UpdatedApr 12, 2026

Details

Mid-Atlantic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.64%

18 Month Regular & IRA Accumulator Certificates

3.65%

View

▼

Rate3.58%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Homewood Federal SB

Institution Rating:

A+5.0 ★Texas Ratio: 1.39%

18 Month Certificate of Deposit

$500

3.60%

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Ukrainian Selfreliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.47%

18 Month Certificate

3.56%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Early Withdrawal Penalty: 3 months interest

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

Regular and Special Share Certificates 18 month

$500

3.55%

View

▼

Rate3.49%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

LM Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.29%

IRA 18 Month Certificate

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Jarrettsville Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

18 Month CD/IRA

$500

3.45%

View

▼

Rate3.39%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

18-month term

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Peoples Bank Chestertown, MD

Institution Rating:

A+5.0 ★Texas Ratio: 1.95%

18 Month IRA Share Certificate

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Penalty: Loss of 180 days' dividends

Municipal Employees Credit Union of Balt Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.50%

Regular CD 18-month

$500

3.20%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

FedChoice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

18 Month Roth IRA Mini-Jumbo Term Certificates

$50,000

3.15%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedApr 12, 2026

Details

WSSC Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.05%

18 Month Certificate

$500

3.03%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

First Financial of Maryland FCU

Institution Rating:

A+5.0 ★

18 Month Certificates - (Business)

2.95%

View

▼

Rate2.91%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Glen Burnie MSB

Institution Rating:

A5.0 ★Texas Ratio: 9.65%

18 Month IRA Certificates

$250

2.53%

View

▼

Rate2.50%

Min Deposit$250

Min Balance—

UpdatedApr 12, 2026

Details

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

18 Month Share Certificate - Traditional IRA or Roth IRA

2.45%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Cecil Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.62%

IRA(18-Month term/ min.)

$100

1.16%

View

▼

Rate1.15%

Min Deposit$100

Min Balance—

UpdatedApr 12, 2026

Details

$100

POCU of Maryland

Institution Rating:

A+5.0 ★

18-Month Term Regular & IRA Certificates

1.05%

View

▼

Rate1.04%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

18 Month IRA Certificates

$250

1.00%

View

▼

Rate—

Min Deposit$250

Min Balance—

UpdatedApr 12, 2026

Details

Relationship APY

Fulton Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

Certificate of Deposit 18-Month

0.95%

View

▼

Rate0.95%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

F&M Bank Upperco, MD

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

18 month Certificate of Deposit (Consumer & Commercial), IRA Accounts

$500

0.50%

View

▼

Rate0.50%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

Regular IRA Share Certificates 2 year

$500

4.40%

View

▼

Rate4.31%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

USALLIANCE

Institution Rating:

B4.5 ★Texas Ratio: 21.07%

24 Month Certificate

3.95%

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Rate Special

Democracy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

24 Month CD

3.85%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

EagleBank

Institution Rating:

A+5.0 ★Texas Ratio: 5.93%

24 Month CD

$1,000

3.75%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Lafayette Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.75%

2-year term

$500

3.71%

View

▼

Rate3.65%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Ukrainian Selfreliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.47%

24 Month Certificate

3.61%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Early Withdrawal Penalty: 3 months interest

Mid-Atlantic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.64%

2 Year Regular & IRA Certificates

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

IRA Certificates 24 Month

3.59%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Vantage Point Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

Share & IRA Share Certificates (24 month term)

3.56%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Andrews Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.92%

24-month Fixed Rate Share Certificates

$1,000

3.55%

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Point Breeze Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.34%

24 Month Jumbo CD

$10,000

3.50%

View

▼

Rate—

Min Deposit$10,000

Min Balance—

UpdatedApr 12, 2026

Details

Municipal Employees Credit Union of Balt Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.50%

Regular CD 24-month IRA or Roth IRA

$500

3.45%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

First Financial of Maryland FCU

Institution Rating:

A+5.0 ★

24-Month Certificates - (Share, IRA) Better Rewards

$500

3.35%

View

▼

Rate3.30%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

LM Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.29%

IRA 24 Month Certificate

3.25%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

WSSC Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.05%

24 Month Certificate

$500

3.03%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Jarrettsville Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

24 Month CD/IRA

$500

3.00%

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

InFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.55%

2 Year - Certificate or IRA Certificate

$1,000

2.78%

View

▼

Rate2.75%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Presidential Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.69%

2 Year CD

$1,000

2.75%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

24 Month Share Certificate - Traditional IRA or Roth IRA

$100,000

2.70%

View

▼

Rate—

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

24-month term Certificates (CDs)

2.60%

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

F&M Trust Company of Chambersburg

Institution Rating:

A+5.0 ★Texas Ratio: 0.19%

24-month CD

$25,000

2.25%

View

▼

Rate—

Min Deposit$25,000

Min Balance—

UpdatedApr 12, 2026

Details

Certain new money restrictions apply.

Washington County Teachers Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.90%

24 Month Term Share Certificates (CDs)

2.00%

View

▼

Rate1.98%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

BayVanguard Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.54%

13 - 24 Month Certificate of Deposit

1.51%

View

▼

Rate1.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Cecil Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.62%

1 1/2-Year CD

$500

1.16%

View

▼

Rate1.15%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

CDs and IRAs 2 Year

1.15%

View

▼

Rate1.15%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

POCU of Maryland

Institution Rating:

A+5.0 ★

24-Month Term Regular & IRA Certificates

1.13%

View

▼

Rate1.12%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Glen Burnie MSB

Institution Rating:

A5.0 ★Texas Ratio: 9.65%

24 Month IRA Certificates

$250

1.00%

View

▼

Rate1.00%

Min Deposit$250

Min Balance—

UpdatedApr 12, 2026

Details

Fulton Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

Certificate of Deposit 24-Month

0.95%

View

▼

Rate0.95%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

F&M Bank Upperco, MD

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

24 month Certificate of Deposit (Consumer & Commercial), IRA Accounts

$500

0.50%

View

▼

Rate0.50%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

Regular IRA Share Certificates 3 year

$500

4.10%

View

▼

Rate4.02%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

USALLIANCE

Institution Rating:

B4.5 ★Texas Ratio: 21.07%

36 Month Certificate

3.95%

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Rate Special

Vantage Point Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

Share & IRA Share Certificates (36 month term)

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Lafayette Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.75%

Fixed-Rate Jumbo 3-year term

$100,000

3.71%

View

▼

Rate3.65%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

Freedom Of Maryland Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.35%

Regular Share, Youth and IRA Certificates 36-Month

$300

3.70%

View

▼

Rate3.65%

Min Deposit$300

Min Balance—

UpdatedApr 12, 2026

Details

Ukrainian Selfreliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.47%

36 Month Certificate

3.66%

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Early Withdrawal Penalty: 3 months interest

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

36 Month Share Certificate - Traditional IRA or Roth IRA

3.65%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Mid-Atlantic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.64%

3 Year Regular & IRA Certificates

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

IRA Certificates 36 Month

3.55%

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Peoples Bank Chestertown, MD

Institution Rating:

A+5.0 ★Texas Ratio: 1.95%

36 Month IRA Share Certificate

3.50%

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Penalty: Loss of 180 days' dividends

CFG Bank

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

36 Month CD Online and In Branch

$500

3.35%

View

▼

Rate3.30%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

No additional deposits after initial deposit

LM Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.29%

IRA 36 Month Certificate

3.25%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Fulton Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

Promotional Certificate of Deposit 36-Month Bump Up

3.20%

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Municipal Employees Credit Union of Balt Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.50%

Regular CD 36-month

$500

3.15%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

WSSC Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.05%

36 Month Certificate

$500

3.03%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

36-month term Certificates (CDs)

2.75%

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

First Financial of Maryland FCU

Institution Rating:

A+5.0 ★

36 Month Certificates - (Business)

2.65%

View

▼

Rate2.62%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Homewood Federal SB

Institution Rating:

A+5.0 ★Texas Ratio: 1.39%

36 Month Certificate of Deposit

$500

2.60%

View

▼

Rate2.54%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Harford Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.55%

36 Month Certificate

$1,000

2.55%

View

▼

Rate2.53%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Minimum Deposit $1,000

InFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.55%

3 Year - Certificate or IRA Certificate

$1,000

2.52%

View

▼

Rate2.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Presidential Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.69%

3 Year CD

$1,000

2.50%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

F&M Trust Company of Chambersburg

Institution Rating:

A+5.0 ★Texas Ratio: 0.19%

36-month CD

$25,000

2.45%

View

▼

Rate—

Min Deposit$25,000

Min Balance—

UpdatedApr 12, 2026

Details

Certain new money restrictions apply.

BayVanguard Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.54%

36 Month (Bump-Up) Certificate of Deposit

2.02%

View

▼

Rate2.00%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Washington County Teachers Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.90%

36 Month Term Share Certificates (CDs)

2.00%

View

▼

Rate1.98%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Glen Burnie MSB

Institution Rating:

A5.0 ★Texas Ratio: 9.65%

36 Month IRA Certificates

$250

1.26%

View

▼

Rate1.25%

Min Deposit$250

Min Balance—

UpdatedApr 12, 2026

Details

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

CDs and IRAs 3 Year

1.25%

View

▼

Rate1.25%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

POCU of Maryland

Institution Rating:

A+5.0 ★

36-Month Term Regular & IRA Certificates

1.19%

View

▼

Rate1.18%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Cecil Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.62%

3-Year CD

$500

1.16%

View

▼

Rate1.15%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

4 year Mini-Jumbo IRA Share Certificates

$20,000

4.30%

View

▼

Rate4.21%

Min Deposit$20,000

Min Balance—

UpdatedApr 12, 2026

Details

USALLIANCE

Institution Rating:

B4.5 ★Texas Ratio: 21.07%

48 Month Certificate

3.95%

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Vantage Point Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

Share & IRA Share Certificates (48 month term)

3.87%

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Freedom Of Maryland Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.35%

Regular Share, Youth and IRA Certificates 48-Month

$300

3.80%

View

▼

Rate3.75%

Min Deposit$300

Min Balance—

UpdatedApr 12, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificates 48 Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Lafayette Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.75%

Fixed-Rate Jumbo 4-year term

$100,000

3.66%

View

▼

Rate3.60%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

Andrews Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.92%

Jumbo Fixed Rate Share Certificates 48-month

$10,000

3.60%

View

▼

Rate3.55%

Min Deposit$10,000

Min Balance—

UpdatedApr 12, 2026

Details

Mid-Atlantic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.64%

4 Year Regular & IRA Certificates

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Peoples Bank Chestertown, MD

Institution Rating:

A+5.0 ★Texas Ratio: 1.95%

48 Month IRA Share Certificate

3.50%

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Penalty: Loss of 180 days' dividends

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

48 Month Share Certificate - Traditional IRA or Roth IRA

3.30%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Democracy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

48 Month Certificate

3.25%

View

▼

Rate3.21%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

48-month term Certificates (CDs)

2.90%

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Jarrettsville Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

48 Month CD/IRA

$500

2.75%

View

▼

Rate2.71%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Municipal Employees Credit Union of Balt Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.50%

Bump-Up CD 48-month

$500

2.60%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

InFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.55%

4 Year - Certificate or IRA Certificate

$1,000

2.42%

View

▼

Rate2.40%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Glen Burnie MSB

Institution Rating:

A5.0 ★Texas Ratio: 9.65%

48 Month IRA Certificates

$250

1.51%

View

▼

Rate1.50%

Min Deposit$250

Min Balance—

UpdatedApr 12, 2026

Details

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

CDs and IRAs 4 Year

1.35%

View

▼

Rate1.35%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Cecil Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.62%

4-Year CD

$500

1.16%

View

▼

Rate1.15%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Fulton Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

Certificate of Deposit 48-Month

1.01%

View

▼

Rate1.00%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Tower Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.36%

5 year Mini-Jumbo IRA Share Certificates

$20,000

4.35%

View

▼

Rate4.26%

Min Deposit$20,000

Min Balance—

UpdatedApr 12, 2026

Details

Vantage Point Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.90%

Share & IRA Share Certificate (60 month term)

3.97%

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

USALLIANCE

Institution Rating:

B4.5 ★Texas Ratio: 21.07%

60 Month Certificate

3.95%

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Ukrainian Selfreliance Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.47%

60 Month Certificate

3.92%

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Early Withdrawal Penalty: 6 months interest

Freedom Of Maryland Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.35%

Regular Share, Youth and IRA Certificates 60-Month

$300

3.80%

View

▼

Rate3.75%

Min Deposit$300

Min Balance—

UpdatedApr 12, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificates 60 Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Lafayette Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.75%

Fixed-Rate Jumbo 5-year term

$100,000

3.61%

View

▼

Rate3.55%

Min Deposit$100,000

Min Balance—

UpdatedApr 12, 2026

Details

Andrews Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.92%

Jumbo Fixed Rate Share Certificates 60-month

$10,000

3.60%

View

▼

Rate3.55%

Min Deposit$10,000

Min Balance—

UpdatedApr 12, 2026

Details

Mid-Atlantic Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.64%

5 Year Regular & IRA Certificates

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Peoples Bank Chestertown, MD

Institution Rating:

A+5.0 ★Texas Ratio: 1.95%

60 Month Golden Year Share Certificate

$5,000

3.50%

View

▼

Rate3.44%

Min Deposit$5,000

Min Balance—

UpdatedApr 12, 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.

CFG Bank

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

60 Month CD Online and In Branch

$500

3.35%

View

▼

Rate3.30%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

No additional deposits after initial deposit

Patriot Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.86%

60 Month Share Certificate - Traditional IRA or Roth IRA

3.30%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

60-month term Certificates (CDs)

3.10%

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Jarrettsville Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

60 Month CD/IRA

$500

2.85%

View

▼

Rate2.81%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

FedChoice Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

60 Month IRA Mini-Jumbo Term Certificates

$50,000

2.80%

View

▼

Rate—

Min Deposit$50,000

Min Balance—

UpdatedApr 12, 2026

Details

Municipal Employees Credit Union of Balt Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.50%

Bump-Up CD 60-month

$500

2.75%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

F&M Trust Company of Chambersburg

Institution Rating:

A+5.0 ★Texas Ratio: 0.19%

60-month CD

$1,000

2.55%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Certain new money restrictions apply.

BayVanguard Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.54%

60 Month Certificate of Deposit

2.53%

View

▼

Rate2.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Presidential Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.69%

5 Year CD

$1,000

2.50%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

InFirst Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.55%

5 Year - Certificate or IRA Certificate

$1,000

2.42%

View

▼

Rate2.40%

Min Deposit$1,000

Min Balance—

UpdatedApr 12, 2026

Details

Glen Burnie MSB

Institution Rating:

A5.0 ★Texas Ratio: 9.65%

60 Month IRA Certificates

$250

1.76%

View

▼

Rate1.75%

Min Deposit$250

Min Balance—

UpdatedApr 12, 2026

Details

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

CDs and IRAs 5 Year

1.51%

View

▼

Rate1.50%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

Cecil Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.62%

5-Year CD

$500

1.16%

View

▼

Rate1.15%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Fulton Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.98%

Certificate of Deposit 60-Month

1.01%

View

▼

Rate1.00%

Min Deposit$0

Min Balance—

UpdatedApr 12, 2026

Details

F&M Bank Upperco, MD

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

60 month Certificate of Deposit (Consumer & Commercial), IRA Accounts

$500

0.60%

View

▼

Rate0.60%

Min Deposit$500

Min Balance—

UpdatedApr 12, 2026

Details

Disclaimer

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.

Barton, MD CD Rate Trends

Compare local Barton, MD CD rate quotes against the statewide average

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

View Full Maryland CD Trends →

12-Month CD — MD Avg

2.872%

▲ 0.179 vs 7 days ago

Maryland 12-month CD rates rose 0.179 points over the past 7 days to 2.872% APY.

6-Month CD — MD Avg

2.665%

▼ 0.035 vs 7 days ago

Maryland 6-month CD rates fell 0.035 points over the past 7 days to 2.665% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Barton, Maryland

Are CD rates in Barton, Maryland FDIC insured?

Yes, most established banks in Barton, 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 Barton, 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 Barton, 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 Barton, 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 Barton, Maryland?

Here are recent top rates found for this area:

Tower Federal Credit Union: 4.50% APY (Regular IRA Share Certificates 1 year)
U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
USALLIANCE: 4.10% APY (18 Month Certificate)
Ukrainian Selfreliance Federal Credit Union: 4.08% APY (6 Month Certificate)
Partners 1st Federal Credit Union: 4.00% APY (12-Month Savings Certificate Special)
Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
EagleBank: 3.95% APY (6 Month CD)
Democracy Federal Credit Union: 3.85% APY (24 Month CD)
Northrop Grumman Federal Credit Union: 3.84% APY (Bonus Certificate 12-Month)
Mid-Atlantic Federal Credit Union: 3.80% APY (1 Year Regular & IRA Certificates)

Rates reflect recent verified offers available in Barton, Maryland. Last Updated: April 12, 2026

CD Calculators

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Barton, 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 Barton, 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: April 12, 2026

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