CD Rates Upper Falls, Maryland (MD) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Upper Falls, Maryland CD rates include Tower Federal Credit UnionTower Federal Credit UnionA+5.0 ★Texas Ratio: 1.36%Real return: +1.70%APY minus CPI (February 2026) offering Regular IRA Share Certificates 1 year at 4.50% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+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, USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 21.07%Real return: +1.30%APY minus CPI (February 2026) offering 18 Month Certificate at 4.10% APY, Ukrainian Selfreliance Federal Credit UnionUkrainian Selfreliance Federal Credit UnionA+5.0 ★Texas Ratio: 1.47%Real return: +1.28%APY minus CPI (February 2026) offering 6 Month Certificate at 4.08% APY, and Partners 1st Federal Credit UnionPartners 1st Federal Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +1.20%APY minus CPI (February 2026) offering 12-Month Savings Certificate Special at 4.00% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Upper Falls is a smaller community with no bank or credit union branches currently in our database. 195 institutions serving the Maryland area are available to Upper Falls 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 Upper Falls, Maryland & the Surrounding Area
Penalty: Loss of 90 days' dividends
Online Only
Early Withdrawal Penalty: 1 month interest
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.
Early Withdrawal Penalty: 1 month interest
Penalty: Loss of 90 days' dividends
*APY assumes reinvestment at the same term for 12 months
This is a limited time offer and can end without notice.
Early Withdrawal Penalty: 3 months interest
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.
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.
Qualifying balance up to $49,000.00
No additional deposits after initial deposit
Early Withdrawal Penalty: 3 months interest
Penalty: Loss of 180 days' dividends
$100
Relationship APY
Rate Special
Early Withdrawal Penalty: 3 months interest
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.
Certain new money restrictions apply.
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.
Rate Special
Early Withdrawal Penalty: 3 months interest
Penalty: Loss of 180 days' dividends
No additional deposits after initial deposit
Minimum Deposit $1,000
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.
Certain new money restrictions apply.
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.
Penalty: Loss of 180 days' dividends
Early Withdrawal Penalty: 6 months interest
must be 62 years of age or older; No penalty for 1 withdrawal. Each additional withdrawal incurs a penalty equal to 180 days' dividends.
No additional deposits after initial deposit
Certain new money restrictions apply.
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Upper Falls, MD CD Rate Trends
Compare local Upper Falls, 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.
Maryland 12-month CD rates currently average 2.872% APY based on data from institutions in our monitoring network.
Maryland 6-month CD rates currently average 2.665% APY based on data from institutions in our monitoring network.
MD CD Rate Forecast — Next 12 Months
Where are Maryland CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.044% | $102.22 | $204.44 | $511.10 | $1,022.20 |
| 6-Month CD | 2.665% | $133.27 | $266.54 | $666.35 | $1,332.70 |
| 12-Month CD | 2.872% | $143.62 | $287.23 | $718.08 | $1,436.15 |
| 18-Month CD | 2.942% | $147.08 | $294.15 | $735.38 | $1,470.75 |
| 24-Month CD | 2.834% | $141.71 | $283.41 | $708.53 | $1,417.05 |
| 36-Month CD | 2.881% | $144.05 | $288.10 | $720.25 | $1,440.50 |
| 48-Month CD | 2.925% | $146.25 | $292.49 | $731.23 | $1,462.45 |
| 60-Month CD | 2.786% | $139.30 | $278.60 | $696.50 | $1,393.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Upper Falls, 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 | 2.044% | $102.22 |
| 2 | 6-Month CD | $5,000 | 2.665% | $133.27 |
| 3 | 12-Month CD | $5,000 | 2.872% | $143.62 |
| 4 | 24-Month CD | $5,000 | 2.834% | $141.71 |
| 5 | 36-Month CD | $5,000 | 2.881% | $144.05 |
| Total ($25,000 invested) | $25,000 | 2.659% blended | $664.87/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.
in Upper Falls, Maryland
About Our Upper Falls, Maryland CD Rate Database
MonitorBankRates tracks CD rates from 22 banks and 28 credit unions with locations in Upper Falls, 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: Tower Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Upper Falls, Maryland.
How to Find the Best CD Rates in Upper Falls, Maryland
What to compare when shopping for a CD in Upper Falls, Maryland
To find the best APYs in Upper Falls, Maryland, start with credit unions and online-only banks — Upper Falls, Maryland has 28 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 Upper Falls, 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 Upper Falls, Maryland — 50 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Upper Falls, Maryland savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Upper Falls, Maryland money market rates
Maryland Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s MD 12-month CD average of 2.872%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $164 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 Upper Falls, 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 Upper Falls, Maryland
Are CD rates in Upper Falls, Maryland FDIC insured?
Do I have to pay state taxes on CD interest in Upper Falls, Maryland?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Upper Falls, Maryland?
- 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)
CD Calculators for Upper Falls, Maryland
At today’s MD top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Upper Falls, Maryland CD LadderMD CD rates currently range from 2.044% (3-month) to 2.881% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Upper Falls, Maryland CD at 4.50% 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 2.872% 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 Upper Falls, 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 Upper Falls, 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.
