White Plains, Maryland Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
White Plains, Maryland CD rates from banks and credit unions serving Maryland range from 0.01% to 5.20% APY, verified by MonitorBankRates as of October 14, 2026. Current White Plains, Maryland CD rates include Tower Federal Credit UnionTower Federal Credit UnionA+5.0 ★Texas Ratio: 1.97%Real return: +2.40%APY minus CPI (February 2026) offering Regular and Special Share Certificates - 2 year at 5.20% APY, NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTHA+5.0 ★Texas Ratio: 4.98%Real return: +2.20%APY minus CPI (February 2026) offering IRA Certificate 12 Month Jumbo at 5.00% APY, FIRST EAGLEFIRST EAGLEA+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering Share Certificate Special - 1 Year Certificate at 5.00% APY, Educational Systems Federal Credit UnionEducational Systems Federal Credit UnionA+5.0 ★Texas Ratio: 3.40%Real return: +1.85%APY minus CPI (February 2026) offering 18 Month Jumbo Certificates - Star Member at 4.65% APY, and Patriot Federal Credit UnionPatriot Federal Credit UnionA+5.0 ★Texas Ratio: 1.50%Real return: +1.80%APY minus CPI (February 2026) offering 48 Month Share Certificate at 4.60% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
White Plains is a smaller community with no bank or credit union branches currently in our database. 724 institutions serving the Maryland area are available to White Plains residents, with CD rates as high as 5.20% APY from Tower Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in White Plains, Maryland & the Surrounding Area
White Plains 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 3 Month
$500
3.88%
▲ 2.22% above Maryland avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▲ 2.22% above avgNationally 2.09%
Details
IRA products not available online; open at any branch or by calling 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 3.88% APY
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
3 Month Regular Certificates
$0
3.80%
▲ 2.14% above Maryland avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 2.14% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate Specials - (Share, IRA) 3-Month
$0
3.70%
▲ 2.04% above Maryland avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 2.04% above avgNationally 2.09%
Details
New Money
Rate History
No change since Oct 12, 2026 · 3.70% APY
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
3 Month Share Certificate
$1,000
3.50%
▲ 1.84% above Maryland avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.84% above avgNationally 2.09%
Details
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Rate History
1 change since Sep 25, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
- Oct 4, 20263.50%▲ from 3.15%
- Sep 25, 20263.15%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Business Certificates - 3 Months
$0
3.44%
▲ 1.78% above Maryland avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 1.78% above avgNationally 2.09%
Details
Effective Date: Tuesday, October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Share Certificates - 3 Months
$0
3.41%
▲ 1.75% above Maryland avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 1.75% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 7 times
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Jumbo Certificate
$0
3.20%
▲ 1.54% above Maryland avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.54% above avgNationally 2.09%
Details
Balance: $50,000 Minimum
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Jumbo Certificates - Star Member
$0
3.10%
▲ 1.44% above Maryland avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.44% above avgNationally 2.09%
Details
Star Member rate
Rate History
No change since Oct 12, 2026 · 3.10% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Certificate - Star Member
$0
3.05%
▲ 1.39% above Maryland avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.39% above avgNationally 2.09%
Details
Star Member rate; Effective Date: September 1, 2026; Open Now
Rate History
No change since Oct 12, 2026 · 3.05% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Jumbo Certificates
$0
3.05%
▲ 1.39% above Maryland avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.39% above avgNationally 2.09%
Details
Rate History
No change since Sep 21, 2026 · 3.05% APY · checked 6 times
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Certificate
$0
3.00%
▲ 1.34% above Maryland avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.34% above avgNationally 2.09%
Details
Effective Date: September 1, 2026; Open Now
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Business) 3 Month
$0
2.80%
▲ 1.14% above Maryland avg
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details
Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
- Oct 4, 20262.80%▲ from 2.55%
- Sep 12, 20262.55%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 3-Month
$0
2.80%
▲ 1.14% above Maryland avg
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details
Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
- Oct 4, 20262.80%▲ from 2.55%
- Sep 12, 20262.55%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 3-Month
$0
2.80%
▲ 1.14% above Maryland avg
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details
Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal
Rate History
No change since Oct 12, 2026 · 2.80% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 3 Months - Preferred
$500
2.60%
▲ 0.94% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.94% above avgNationally 2.09%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 2.60% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month Certificate
$500
2.25%
▲ 0.59% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.59% above avgNationally 2.09%
Details
Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.25% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 3 Months
$500
2.25%
▲ 0.59% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.59% above avgNationally 2.09%
Details
Base APY; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 2.25% APY
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Certificate
$0
2.10%
▲ 0.44% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.44% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Jumbo Certificate
$0
2.10%
▲ 0.44% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.44% above avgNationally 2.09%
Details
Rate History
No change since Oct 12, 2026 · 2.10% APY
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Month Certificate
$0
2.00%
▲ 0.34% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details
Regular Certificate Accounts
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Month Jumbo Certificate
$0
2.00%
▲ 0.34% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details
Regular Certificate Accounts
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Certificate of Deposit - 3 months
$500
2.00%
▲ 0.34% above Maryland avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details
Open now
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.70%
▲ 0.04% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 0.04% above avgNationally 2.09%
Details
Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.70% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.65%
▼ 0.01% below Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.01% below avgNationally 2.09%
Details
Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.65% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.60%
▼ 0.06% below Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.06% below avgNationally 2.09%
Details
Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.60% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.11% below Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.11% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Easy Builder Short Term Certificate Account
$250
1.51%
▼ 0.15% below Maryland avg
▼
Rate1.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 0.15% below avgNationally 2.09%
Details
Minimum: $250.00 ($50.00 Young Investor Option); Young Investor Option: $50.00 minimum opening deposit
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 5 times
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Short Term Certificate Account
$1,000
1.51%
▼ 0.15% below Maryland avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 0.15% below avgNationally 2.09%
Details
APY assumes reinvestment at the same term for 12 months
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.16% below Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.16% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.50%
▼ 0.16% below Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.16% below avgNationally 2.09%
Details
Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026
Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 3 times
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
Platinum Account Holders Certificates of Deposit 3 Months
$1,000
1.36%
▼ 0.30% below Maryland avg
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average1.66%▼ 0.30% below avgNationally 2.09%
Details
Early Withdrawl Penalty: 30 days' simple interest
Rate History
No change since Sep 19, 2026 · 1.36% APY · checked 7 times
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
Certificates of Deposit 3 Months
$1,000
1.26%
▼ 0.40% below Maryland avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average1.66%▼ 0.40% below avgNationally 2.09%
Details
Early Withdrawl Penalty: 30 days' simple interest
Rate History
No change since Sep 7, 2026 · 1.26% APY · checked 8 times
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
30 - 90 Day Jumbo Share Certificates
$100,000
1.10%
▼ 0.56% below Maryland avg
▼
Rate1.09%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.56% below avgNationally 2.09%
Details
Rate History
1 change since Sep 22, 2026 · 1.05% → 1.10% ▲ 0.05 pts · high 1.10% / low 1.05%
- Oct 14, 20261.10%▲ from 1.05%
- Sep 22, 20261.05%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 3 month
$500
1.05%
▼ 0.61% below Maryland avg
▼
Rate1.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.61% below avgNationally 2.09%
Details
Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on Individual Retirement Accounts; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 1.05% APY
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
3 Month Certificate
$0
0.65%
▼ 1.01% below Maryland avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 1.01% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.06% below Maryland avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.06% below avgNationally 2.09%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.16% below Maryland avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.16% below avgNationally 2.09%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD - 3-month term
$0
0.50%
▼ 1.16% below Maryland avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.16% below avgNationally 2.09%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 0.60% → 0.50% ▼ 0.10 pts · high 0.60% / low 0.50%
- Oct 14, 20260.50%▼ from 0.60%
- Sep 14, 20260.60%first recorded
The Bank of Glen Burnie
Institution Rating:
B-3.4 ★Texas Ratio: 3.14%
3 Month Certificate
$500
0.25%
▼ 1.41% below Maryland avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average1.66%▼ 1.41% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Eastern Savings Bank, FSB
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3 Month Certificate
$100,000
0.05%
▼ 1.61% below Maryland avg
▼
Rate0.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average1.66%▼ 1.61% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Eastern Savings Bank, FSB
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3-Month CD
$1,000
0.05%
▼ 1.61% below Maryland avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average1.66%▼ 1.61% below avgNationally 2.09%
Details
Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 3 times
Eastern Savings Bank, FSB
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
Business 3-Month CD
$1,000
0.05%
▼ 1.61% below Maryland avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average1.66%▼ 1.61% below avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 3 months
$0
0.05%
▼ 1.61% below Maryland avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 1.61% below avgNationally 2.09%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Regular Certificate - 3 months
$1,000
0.05%
▼ 1.61% below Maryland avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 1.61% below avgNationally 2.09%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 0.05% APY
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 3 Months
$500
0.02%
▼ 1.64% below Maryland avg
▼
Rate0.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 1.64% below avgNationally 2.09%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 0.02% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 3 Months
$500
0.02%
▼ 1.64% below Maryland avg
▼
Rate0.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 1.64% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
White Plains 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
6 Month Certificate of Deposit (CD)
$0
4.18%
▲ 1.40% above Maryland avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.40% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 21, 2026 · 4.18% → 4.18% ▼ 0.00 pts · high 4.18% / low 4.15%
- Oct 13, 20264.18%▲ from 4.15%
- Oct 5, 20264.15%▼ from 4.18%
- Sep 21, 20264.18%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 6-Month
$0
4.15%
▲ 1.37% above Maryland avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.37% above avgNationally 2.77%
Details
Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal
Rate History
No change since Oct 12, 2026 · 4.15% APY
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Month Share Certificate
$500
4.13%
▲ 1.35% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.35% above avgNationally 2.77%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 6 Months
$500
4.13%
▲ 1.35% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.35% above avgNationally 2.77%
Details
Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate 6-Month Certificate 70th Anniversary Special
$0
4.02%
▲ 1.24% above Maryland avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 1.24% above avgNationally 2.77%
Details
70th Anniversary Special; Minimum balance to open $500.00; Funds must be new money to the Credit Union
Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 5 times
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Regular And IRA Share Certificates
$500
4.00%
▲ 1.22% above Maryland avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Not offered for IRA Certificate; Dividends compounded and paid monthly; Penalties apply for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Sep 25, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Month Share Certificate
$500
3.87%
▲ 1.09% above Maryland avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.09% above avgNationally 2.77%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month Jumbo Certificate
$0
3.85%
▲ 1.07% above Maryland avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.07% above avgNationally 2.77%
Details
Balance: $50,000 Minimum
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month Standard and IRA Certificate
$0
3.85%
▲ 1.07% above Maryland avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.07% above avgNationally 2.77%
Details
Balance: $100 Minimum
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 3 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 6 Months
$500
3.82%
▲ 1.04% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.04% above avgNationally 2.77%
Details
Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
- Oct 12, 20263.82%▼ from 4.25%
- Oct 4, 20264.25%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 6 Months
$500
3.82%
▲ 1.04% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.04% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$7,500
3.80%
▲ 1.02% above Maryland avg
▼
Rate3.68%
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 6 times
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Jumbo Certificates - Star Member
$0
3.80%
▲ 1.02% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.77%
Details
Star Member rate
Rate History
No change since Oct 12, 2026 · 3.80% APY
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
6 Month Regular & IRA Certificates
$0
3.80%
▲ 1.02% above Maryland avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
6 Month Share Certificate
$500
3.75%
▲ 0.97% above Maryland avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details
Not eligible for IRA Terms; minimum $500 to open
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 6 Months
$500
3.75%
▲ 0.97% above Maryland avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details
Not eligible for IRA; Open; Learn More
Rate History
No change since Oct 12, 2026 · 3.75% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Certificate - Star Member
$0
3.75%
▲ 0.97% above Maryland avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details
Star Member rate; Effective Date: September 1, 2026; Open Now
Rate History
No change since Oct 12, 2026 · 3.75% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Jumbo Certificates
$0
3.75%
▲ 0.97% above Maryland avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.97% above Maryland avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Certificate
$0
3.70%
▲ 0.92% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Jumbo Certificate
$0
3.70%
▲ 0.92% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details
Rate History
No change since Oct 12, 2026 · 3.70% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Certificate
$0
3.70%
▲ 0.92% above Maryland avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details
Effective Date: September 1, 2026; Open Now
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6 Month Jumbo CD
$10,000
3.70%
▲ 0.92% above Maryland avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details
Compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6 Month Standard CD
$500
3.70%
▲ 0.92% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details
Compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 6 Month Jumbo CD
$10,000
3.70%
▲ 0.92% above Maryland avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details
Compounded & Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 6 Month Standard CD
$500
3.70%
▲ 0.92% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details
Compounded & Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
JUMBO Share Certificate - 6 Month Term
$50,000
3.68%
▲ 0.90% above Maryland avg
▼
Rate3.63%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.90% above avgNationally 2.77%
Details
Dividends compounded and paid quarterly
Rate History
4 changes since Sep 14, 2026 · 3.53% → 3.68% ▲ 0.15 pts · high 3.72% / low 3.36%
- Oct 8, 20263.68%▼ from 3.72%
- Oct 4, 20263.72%▲ from 3.37%
- Sep 25, 20263.37%▲ from 3.36%
- Sep 20, 20263.36%▼ from 3.53%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 6 Month
$0
3.66%
▲ 0.88% above Maryland avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.88% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
- Oct 13, 20263.66%▲ from 3.60%
- Sep 14, 20263.60%first recorded
The Bank of Glen Burnie
Institution Rating:
B-3.4 ★Texas Ratio: 3.14%
6 Month Certificate
$500
3.65%
▲ 0.87% above Maryland avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 0.50% → 3.65% ▲ 3.15 pts · high 3.65% / low 0.50%
- Oct 7, 20263.65%▲ from 0.50%
- Sep 14, 20260.50%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Business) 6 Month
$0
3.65%
▲ 0.87% above Maryland avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details
Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 4, 20263.65%▲ from 3.40%
- Sep 12, 20263.40%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 6-Month
$0
3.65%
▲ 0.87% above Maryland avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details
Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
- Oct 4, 20263.65%▲ from 3.40%
- Sep 12, 20263.40%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
6 Month Certificates
$1,000
3.65%
▲ 0.87% above Maryland avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details
Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly; This certificate will renew at a 6-month term unless otherwise asked for by the party holding the certificate; IRA certificates are not eligible
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Regular CD
$500
3.65%
▲ 0.87% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details
Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
BEE Share Certificate - 6 Month Term
$10,000
3.63%
▲ 0.85% above Maryland avg
▼
Rate3.58%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.85% above avgNationally 2.77%
Details
Dividends compounded and paid quarterly
Rate History
3 changes since Sep 14, 2026 · 3.47% → 3.63% ▲ 0.16 pts · high 3.64% / low 3.47%
- Oct 8, 20263.63%▼ from 3.64%
- Oct 4, 20263.64%▲ from 3.52%
- Sep 20, 20263.52%▲ from 3.47%
- Sep 14, 20263.47%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 6 Month
$500
3.62%
▲ 0.84% above Maryland avg
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.84% above avgNationally 2.77%
Details
IRA products not available online; open at any branch or by calling 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 3.63% APY
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
6 Month Certificate
$1,000
3.61%
▲ 0.83% above Maryland avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.83% above avgNationally 2.77%
Details
Rate History
No change since Sep 20, 2026 · 3.61% APY · checked 6 times
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Share Certificate
$1,000
3.61%
▲ 0.83% above Maryland avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.83% above avgNationally 2.77%
Details
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Rate History
1 change since Sep 25, 2026 · 3.27% → 3.61% ▲ 0.34 pts · high 3.61% / low 3.27%
- Oct 4, 20263.61%▲ from 3.27%
- Sep 25, 20263.27%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6 Month Certificate
$0
3.60%
▲ 0.82% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.82% above avgNationally 2.77%
Details
Regular Certificate Accounts
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6 Month Jumbo Certificate
$0
3.60%
▲ 0.82% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.82% above avgNationally 2.77%
Details
Regular Certificate Accounts
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 6 Month
$0
3.55%
▲ 0.77% above Maryland avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.77% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
- Oct 5, 20263.55%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 Month Share & IRA Share Certificates
$0
3.51%
▲ 0.73% above Maryland avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.73% above avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 3.51% APY
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month IRA Certificate
$0
3.50%
▲ 0.72% above Maryland avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.72% above avgNationally 2.77%
Details
IRA; Dividend rate 3.44%
Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 4 times
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Jumbo Certificate
$0
3.48%
▲ 0.70% above Maryland avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.70% above avgNationally 2.77%
Details
Dividend rate 3.44%; Jumbo Share
Rate History
No change since Sep 21, 2026 · 3.48% APY · checked 5 times
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Share Certificate
$0
3.48%
▲ 0.70% above Maryland avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.70% above avgNationally 2.77%
Details
Dividend rate 3.44%; Regular Share
Rate History
No change since Sep 29, 2026 · 3.48% APY · checked 4 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Month Share Certificate
$500
3.45%
▲ 0.67% above Maryland avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.67% above avgNationally 2.77%
Details
Balance: $100,000 - $249,999
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 5, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 Month Easy Builder Short Term Certificate Account
$250
3.44%
▲ 0.66% above Maryland avg
▼
Rate3.40%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.66% above avgNationally 2.77%
Details
Minimum: $250.00 ($50.00 Young Investor Option); Young Investor Option: $50.00 minimum opening deposit
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6 Month Short Term Certificate Account
$1,000
3.44%
▲ 0.66% above Maryland avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.66% above avgNationally 2.77%
Details
APY assumes reinvestment at the same term for 12 months
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificates - 6 Months
$0
3.43%
▲ 0.65% above Maryland avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.65% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 7 times
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Share Certificates - 6 Months
$0
3.43%
▲ 0.65% above Maryland avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.65% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 7 times
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Business Certificates - 6 Months
$0
3.41%
▲ 0.63% above Maryland avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.63% above avgNationally 2.77%
Details
Effective Date: Tuesday, October 13th, 2026
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 7 times
White Plains 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 12 Month Jumbo
$100,000
5.00%
▲ 1.75% above Maryland avg
▼
Rate4.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.75% above avgNationally 2.99%
Details
Jumbo certificate; cannot be opened online; visit any branch or call 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 5.00% APY
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate Special - 1 Year Certificate
$0
5.00%
▲ 1.75% above Maryland avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.75% above avgNationally 2.99%
Details
Qualifications Required: Checking account; First Eagle debit card; monthly deposits of at least $100.00; Special APY requires a Checking account, First Eagle debit card and monthly deposits of at least $100.00 (must have Checking); funds must be new money to the Credit Union; deposit up to $100,000; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 5.00% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 1 year
$500
4.95%
▲ 1.70% above Maryland avg
▼
Rate4.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.70% above avgNationally 2.99%
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.95% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 1 year
$500
4.95%
▲ 1.70% above Maryland avg
▼
Rate4.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.70% above avgNationally 2.99%
Details
IRA share certificate; early withdrawal penalty applies before maturity
Rate History
1 change since Sep 14, 2026 · 4.55% → 4.95% ▲ 0.40 pts · high 4.95% / low 4.55%
- Oct 10, 20264.95%▲ from 4.55%
- Sep 14, 20264.55%first recorded
POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12 Month CD
$500
4.59%
▲ 1.34% above Maryland avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.34% above avgNationally 2.99%
Details
High Rate CD Specials; Limited time only; Each account insured up to $250,000; POCUMD membership required to open a Certificate of Deposit
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%
- Oct 14, 20264.59%▲ from 4.07%
- Sep 14, 20264.07%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 12 Month
$500
4.50%
▲ 1.25% above Maryland avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.25% above avgNationally 2.99%
Details
IRA products not available online; open at any branch or by calling 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 4.50% APY
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.50%
▲ 1.25% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.25% above avgNationally 2.99%
Details
Special Rate; featured rate from homepage; View all rate specials
Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
- Oct 1, 20264.50%▲ from 4.36%
- Sep 14, 20264.36%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.10% above Maryland avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.10% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 12-Month
$0
4.35%
▲ 1.10% above Maryland avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 1.10% above avgNationally 2.99%
Details
Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal
Rate History
No change since Oct 12, 2026 · 4.35% APY
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
12 Month Certificate of Deposit (CD)
$0
4.29%
▲ 1.04% above Maryland avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 1.04% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 21, 2026 · 4.29% → 4.29% ▼ 0.00 pts · high 4.29% / low 4.25%
- Oct 13, 20264.29%▲ from 4.25%
- Oct 5, 20264.25%▼ from 4.29%
- Sep 21, 20264.29%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 12 Months
$500
4.25%
▲ 1.00% above Maryland avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details
Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25%
- Oct 12, 20264.25%▼ from 4.30%
- Oct 4, 20264.30%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 12 Months
$500
4.25%
▲ 1.00% above Maryland avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 4, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 12 Months
$500
4.25%
▲ 1.00% above Maryland avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 1 Year Starter Add-On
$0
4.25%
▲ 1.00% above Maryland avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details
Balance: $1 - $1,000; Traditional, Roth & Coverdell Education; Add funds at any time throughout the certificate term up to $1,000; Rates Set: Monthly; Early withdrawal penalty applies; Must have a Regular IRA Savings Account in order to open; Limit One Per Member Under 18 Years of Age
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12 Month Certificate
$1,000
4.18%
▲ 0.93% above Maryland avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.93% above avgNationally 2.99%
Details
Rate History
No change since Sep 20, 2026 · 4.18% APY · checked 6 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Month Share Certificate
$500
4.13%
▲ 0.88% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.88% above avgNationally 2.99%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 12 Months
$500
4.13%
▲ 0.88% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.88% above avgNationally 2.99%
Details
Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.85% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.85% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 Month Regular And IRA Share Certificates
$500
4.10%
▲ 0.85% above Maryland avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.85% above avgNationally 2.99%
Details
Dividends compounded and paid monthly; Penalties apply for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
- Sep 25, 20264.10%▲ from 3.30%
- Sep 14, 20263.30%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Starter Certificate - 1 Year Add-On
$0
4.10%
▲ 0.85% above Maryland avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.85% above avgNationally 2.99%
Details
Maximum Balance: $1,000; Add funds throughout the certificate term; Rates Set: Monthly; Limit One Per Member; Early withdrawal penalty applies
Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 3 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 1 Year Add-On
$0
4.10%
▲ 0.85% above Maryland avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.85% above avgNationally 2.99%
Details
Balance: $1 - $1,000; Maximum Balance $1,000; Add funds at any time throughout the certificate term up to $1,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY
POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12-Month CD
$500
4.07%
▲ 0.82% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.82% above avgNationally 2.99%
Details
High-Rate CD Specials; limited time; each account insured up to $250,000
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.80% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.80% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.02%
▲ 0.77% above Maryland avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.77% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 13, 20264.02%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.02%
▲ 0.77% above Maryland avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.77% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 5, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Month Easy Builder Long Term Certificate Account
$250
4.01%
▲ 0.76% above Maryland avg
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.76% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
- Oct 12, 20264.01%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Month Long Term Certificate Account
$0
4.01%
▲ 0.76% above Maryland avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.76% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
- Oct 12, 20264.01%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 12 months
$500
4.01%
▲ 0.76% above Maryland avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.76% above avgNationally 2.99%
Details
IRA certificate; Normal IRA restrictions and penalties apply
Rate History
No change since Oct 12, 2026 · 4.01% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.75% above Maryland avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
12 Month Traditional or Roth IRA Certificate
$500
4.00%
▲ 0.75% above Maryland avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 1 year
$0
4.00%
▲ 0.75% above Maryland avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Balance: $100,000 to $249,999
Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 12, 20264.00%▲ from 3.75%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
12 Month Certificate
$0
4.00%
▲ 0.75% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Regular Certificate Accounts; Maximum of $24,999
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 12 Month Certificate
$0
4.00%
▲ 0.75% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Maximum of $24,999
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
12 Month Share Certificate
$1,000
4.00%
▲ 0.75% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Traditional and Roth IRA available; minimum $1,000 to open
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 12 Months
$1,000
4.00%
▲ 0.75% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Savings or IRA; Open; Learn More
Rate History
No change since Oct 12, 2026 · 4.00% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Jumbo Certificates - Star Member
$0
4.00%
▲ 0.75% above Maryland avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Star Member rate
Rate History
No change since Oct 12, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.75% above Maryland avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Certificate - Star Member
$0
3.95%
▲ 0.70% above Maryland avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.70% above avgNationally 2.99%
Details
Star Member rate; Effective Date: September 1, 2026; Open Now
Rate History
No change since Oct 12, 2026 · 3.95% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Jumbo Certificates
$0
3.95%
▲ 0.70% above Maryland avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.70% above avgNationally 2.99%
Details
Rate History
No change since Sep 21, 2026 · 3.95% APY · checked 6 times
Rosedale FSL
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
12-month Certificate of Deposit
$0
3.90%
▲ 0.65% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.65% above avgNationally 2.99%
Details
Rate History
No change since Sep 20, 2026 · 3.90% APY · checked 4 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 1 year
$0
3.90%
▲ 0.65% above Maryland avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.65% above avgNationally 2.99%
Details
Balance: $1,000 to $99,999
Rate History
2 changes since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Oct 12, 20263.90%▲ from 3.65%
- Oct 4, 20263.65%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Certificate
$0
3.90%
▲ 0.65% above Maryland avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.65% above avgNationally 2.99%
Details
Effective Date: September 1, 2026; Open Now
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
12 Month Certificates
$1,000
3.90%
▲ 0.65% above Maryland avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.65% above avgNationally 2.99%
Details
Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month Jumbo CD
$10,000
3.90%
▲ 0.65% above Maryland avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.65% above avgNationally 2.99%
Details
Compounded and credited monthly
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 1, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month Standard CD
$500
3.90%
▲ 0.65% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.65% above avgNationally 2.99%
Details
Compounded and credited monthly
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 1, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 12 Month Jumbo CD
$10,000
3.90%
▲ 0.65% above Maryland avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.65% above avgNationally 2.99%
Details
Compounded & Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 1, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 12 Month Standard CD
$500
3.90%
▲ 0.65% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.65% above avgNationally 2.99%
Details
Compounded & Credited: Monthly
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 1, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
12 Month IRA Certificate
$0
3.87%
▲ 0.62% above Maryland avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.62% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 3 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Month Share Certificate
$500
3.87%
▲ 0.62% above Maryland avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.62% above avgNationally 2.99%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month IRA Certificates
$0
3.86%
▲ 0.61% above Maryland avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.61% above avgNationally 2.99%
Details
Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 3 times
White Plains 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Jumbo Certificates - Star Member
$0
4.65%
▲ 1.54% above Maryland avg
▼
Rate4.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.54% above avgNationally 2.88%
Details
Star Member rate
Rate History
No change since Oct 12, 2026 · 4.65% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate - Star Member
$0
4.60%
▲ 1.49% above Maryland avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.49% above avgNationally 2.88%
Details
Star Member rate; Effective Date: September 1, 2026; Open Now
Rate History
No change since Oct 12, 2026 · 4.60% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Jumbo Certificates
$0
4.60%
▲ 1.49% above Maryland avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 21, 2026 · 4.60% APY · checked 6 times
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 18 month
$500
4.60%
▲ 1.49% above Maryland avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 1.49% above avgNationally 2.88%
Details
Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on Individual Retirement Accounts; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.60% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate
$0
4.55%
▲ 1.44% above Maryland avg
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.44% above avgNationally 2.88%
Details
Effective Date: September 1, 2026; Open Now
Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 6 times
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
18 Month Certificate of Deposit (CD)
$0
4.41%
▲ 1.30% above Maryland avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 1.30% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 21, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
- Oct 13, 20264.41%▲ from 4.35%
- Oct 5, 20264.35%▼ from 4.41%
- Sep 21, 20264.41%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 18 Months
$500
4.30%
▲ 1.19% above Maryland avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.19% above avgNationally 2.88%
Details
Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
- Oct 12, 20264.30%▼ from 4.35%
- Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 18 Months
$500
4.30%
▲ 1.19% above Maryland avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.19% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
- Oct 4, 20264.30%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 18 Months
$500
4.30%
▲ 1.19% above Maryland avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.19% above avgNationally 2.88%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18 Month Certificate
$1,000
4.24%
▲ 1.13% above Maryland avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.13% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 4.24% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.04% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 1.04% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.99% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.99% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Regular Certificates
$1,000
4.07%
▲ 0.96% above Maryland avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
18 Month Share Certificate
$1,000
4.00%
▲ 0.89% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.89% above avgNationally 2.88%
Details
Traditional and Roth IRA available; minimum $1,000 to open
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 18 Months
$1,000
4.00%
▲ 0.89% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.89% above avgNationally 2.88%
Details
Savings or IRA; Open; Learn More
Rate History
No change since Oct 12, 2026 · 4.00% APY
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 18 Month
$500
4.00%
▲ 0.89% above Maryland avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.89% above avgNationally 2.88%
Details
IRA products not available online; open at any branch or by calling 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 4.00% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 18 Months
$500
3.80%
▲ 0.69% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 3.80% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 18 Months
$500
3.80%
▲ 0.69% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 2 times
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18-Month Share and IRA Certificate Special
$300
3.80%
▲ 0.69% above Maryland avg
▼
RateN/A
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details
Special certificate; fees could reduce earnings; penalty for early withdrawal; upon maturity renews to a 52-Week Regular Share or IRA Certificate
Rate History
1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 4, 20263.80%▲ from 3.55%
- Sep 12, 20263.55%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.69% above Maryland avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.69% above Maryland avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.69% above Maryland avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.69% above Maryland avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
18 Month Share Certificate
$500
3.75%
▲ 0.64% above Maryland avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.64% above avgNationally 2.88%
Details
Minimum Deposit $500
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 18-Month
$0
3.75%
▲ 0.64% above Maryland avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.64% above avgNationally 2.88%
Details
Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal
Rate History
No change since Oct 12, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.59% above Maryland avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.59% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA Variable-Rate Certificates - 18-month term
$50
3.66%
▲ 0.55% above Maryland avg
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.55% above avgNationally 2.88%
Details
Variable-Rate*
Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Variable-Rate Certificate - 18-month term
$50
3.66%
▲ 0.55% above Maryland avg
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.55% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
18 Month Regular & IRA Accumulator Certificates
$0
3.65%
▲ 0.54% above Maryland avg
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 0.54% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$500
3.60%
▲ 0.49% above Maryland avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average3.11%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 6 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.60%
▲ 0.49% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 0.49% above avgNationally 2.88%
Details
Balance: $250,000.01+; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18 Month Certificate
$0
3.55%
▲ 0.44% above Maryland avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average3.11%▲ 0.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.55%
▲ 0.44% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 0.44% above avgNationally 2.88%
Details
Balance: $100,000-$250,000; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
18 Month Rollover Share Certificate
$0
3.52%
▲ 0.41% above Maryland avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 0.41% above avgNationally 2.88%
Details
IRA; Dividend rate 3.46%; Available for IRA proceeds transferred from another IRA custodian only; Inherited IRAs ineligible
Rate History
1 change since Sep 21, 2026 · 3.50% → 3.52% ▲ 0.02 pts · high 3.52% / low 3.50%
- Oct 5, 20263.52%▲ from 3.50%
- Sep 21, 20263.50%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 18 months
$0
3.50%
▲ 0.39% above Maryland avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.39% above avgNationally 2.88%
Details
Balance: $100,000 to $249,999
Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 12, 20263.50%▲ from 3.25%
- Oct 4, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 18 Month Certificate
$0
3.50%
▲ 0.39% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.39% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 18 Month Jumbo Certificate
$0
3.50%
▲ 0.39% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 18 Months - Preferred
$500
3.50%
▲ 0.39% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.39% above avgNationally 2.88%
Details
Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open
Rate History
No change since Oct 12, 2026 · 3.50% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.50%
▲ 0.39% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 0.39% above avgNationally 2.88%
Details
Balance: $10,000-$24,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month CD/IRA
$500
3.45%
▲ 0.34% above Maryland avg
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average3.11%▲ 0.34% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.45% APY · checked 5 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
18 Month Certificate
$0
3.40%
▲ 0.29% above Maryland avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.29% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 18 months
$0
3.40%
▲ 0.29% above Maryland avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.29% above avgNationally 2.88%
Details
Balance: $1,000 to $99,999
Rate History
2 changes since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90%
- Oct 12, 20263.40%▲ from 3.15%
- Oct 4, 20263.15%▲ from 2.90%
- Sep 14, 20262.90%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 Month Certificate
$0
3.40%
▲ 0.29% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.29% above avgNationally 2.88%
Details
Regular Certificate Accounts
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
18 Month Jumbo Certificate
$0
3.40%
▲ 0.29% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.29% above avgNationally 2.88%
Details
Regular Certificate Accounts
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.40%
▲ 0.29% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 0.29% above avgNationally 2.88%
Details
Balance: $1,000-$9,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 2 times
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
18 Month CD
$0
3.34%
▲ 0.23% above Maryland avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.23% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.34% ▼ 0.21 pts · high 3.56% / low 3.34%
- Oct 8, 20263.34%▼ from 3.56%
- Sep 24, 20263.56%▲ from 3.46%
- Sep 20, 20263.46%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
18 Month Standard and IRA Certificate
$0
3.30%
▲ 0.19% above Maryland avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.19% above avgNationally 2.88%
Details
Balance: $100 Minimum
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Regular Certificate - 18 months
$1,000
3.25%
▲ 0.14% above Maryland avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.14% above avgNationally 2.88%
Details
Balance: $100,000 to $249,999
Rate History
No change since Oct 12, 2026 · 3.25% APY
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Business) 18 Month
$0
3.25%
▲ 0.14% above Maryland avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.14% above avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 18-Month
$0
3.25%
▲ 0.14% above Maryland avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.14% above avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
White Plains 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 2 year
$500
5.20%
▲ 2.23% above Maryland avg
▼
Rate5.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 2.23% above avgNationally 2.88%
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 5.20% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 2 year
$500
5.20%
▲ 2.23% above Maryland avg
▼
Rate5.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 2.23% above avgNationally 2.88%
Details
IRA share certificate; early withdrawal penalty applies before maturity
Rate History
1 change since Sep 14, 2026 · 4.70% → 5.20% ▲ 0.50 pts · high 5.20% / low 4.70%
- Oct 10, 20265.20%▲ from 4.70%
- Sep 14, 20264.70%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
24 Month Certificate of Deposit (CD)
$0
4.52%
▲ 1.55% above Maryland avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.55% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 21, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
- Oct 13, 20264.52%▲ from 4.45%
- Oct 5, 20264.45%▼ from 4.52%
- Sep 21, 20264.52%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 24 Months
$500
4.35%
▲ 1.38% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.38% above avgNationally 2.88%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 24 Months
$500
4.35%
▲ 1.38% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.38% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
- Oct 4, 20264.35%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 24 Months
$500
4.35%
▲ 1.38% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.38% above avgNationally 2.88%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30%
▲ 1.33% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.33% above avgNationally 2.88%
Details
Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $24,409.71; Rates effective as of September 15, 2026
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
24 Month Certificate
$0
4.25%
▲ 1.28% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.88%
Details
Featured banner rate (24 Months for 4.25% APY*); Certificates page footnote: all certificates other than the 6 month require a $1,000 minimum balance to open
Rate History
No change since Oct 12, 2026 · 4.25% APY
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
24 Month Share Certificate
$1,000
4.25%
▲ 1.28% above Maryland avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.88%
Details
Traditional and Roth IRA available; minimum $1,000 to open
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 24 Months
$1,000
4.25%
▲ 1.28% above Maryland avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.88%
Details
Savings or IRA; Open; Learn More
Rate History
No change since Oct 12, 2026 · 4.25% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.25%
▲ 1.28% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.88%
Details
Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $8,855.36; Rates effective as of September 15, 2026
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.20%
▲ 1.23% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.23% above avgNationally 2.88%
Details
Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $874.69; Rates effective as of September 15, 2026
Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 3 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Month Share Certificate
$500
4.13%
▲ 1.16% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.16% above avgNationally 2.88%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 24 Months
$500
4.13%
▲ 1.16% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.16% above avgNationally 2.88%
Details
Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
24 Month Share Certificate
$1,000
4.12%
▲ 1.15% above Maryland avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.15% above avgNationally 2.88%
Details
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Rate History
1 change since Sep 25, 2026 · 3.59% → 4.12% ▲ 0.53 pts · high 4.12% / low 3.59%
- Oct 4, 20264.12%▲ from 3.59%
- Sep 25, 20263.59%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.10%
▲ 1.13% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.13% above avgNationally 2.88%
Details
Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $85.30; Rates effective as of September 15, 2026
Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 3 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 24 Months
$500
4.06%
▲ 1.09% above Maryland avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.09% above avgNationally 2.88%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 4.06% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 24 Months
$500
4.06%
▲ 1.09% above Maryland avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.09% above avgNationally 2.88%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02%
▲ 1.05% above Maryland avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.05% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.02%
▲ 1.05% above Maryland avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.05% above avgNationally 2.88%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 24-Month
$0
4.00%
▲ 1.03% above Maryland avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.88%
Details
Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal
Rate History
No change since Oct 12, 2026 · 4.00% APY
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 24 Month
$500
4.00%
▲ 1.03% above Maryland avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.88%
Details
IRA products not available online; open at any branch or by calling 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 4.00% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Jumbo Certificates - Star Member
$0
3.95%
▲ 0.98% above Maryland avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.98% above avgNationally 2.88%
Details
Star Member rate
Rate History
No change since Oct 12, 2026 · 3.95% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate - Star Member
$0
3.90%
▲ 0.93% above Maryland avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.93% above avgNationally 2.88%
Details
Star Member rate; Effective Date: September 1, 2026; Open Now
Rate History
No change since Oct 12, 2026 · 3.90% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Jumbo Certificates
$0
3.90%
▲ 0.93% above Maryland avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 6 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Month Share Certificate
$500
3.87%
▲ 0.90% above Maryland avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.90% above avgNationally 2.88%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.86%
▲ 0.89% above Maryland avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.89% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
- Oct 9, 20263.86%▲ from 3.81%
- Sep 25, 20263.81%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate
$0
3.85%
▲ 0.88% above Maryland avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.88% above avgNationally 2.88%
Details
Effective Date: September 1, 2026; Open Now
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
24 Month Share & IRA Share Certificates
$0
3.82%
▲ 0.85% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.85% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.82% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
3.82%
▲ 0.85% above Maryland avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.85% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
- Oct 9, 20263.82%▲ from 3.81%
- Oct 5, 20263.81%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 1 1/2 Year Certificate
$0
3.81%
▲ 0.84% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.84% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.81% APY
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 2 1/2 Year Certificate
$0
3.81%
▲ 0.84% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.84% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.81% APY
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 2 Year Certificate
$0
3.81%
▲ 0.84% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.84% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 Month Long Term Certificate Account
$0
3.80%
▲ 0.83% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 12, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 24 months
$500
3.80%
▲ 0.83% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.88%
Details
IRA certificate; Normal IRA restrictions and penalties apply
Rate History
No change since Oct 12, 2026 · 3.80% APY
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
24 Month IRA Certificate
$0
3.76%
▲ 0.79% above Maryland avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.79% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 3 times
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
24 Month Share Certificate
$0
3.75%
▲ 0.78% above Maryland avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.88%
Details
Balance: $500+; Minimum Deposit $500+
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
24 Month Certificates
$1,000
3.75%
▲ 0.78% above Maryland avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.88%
Details
Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2 Year Fixed-Rate Certificate
$500
3.71%
▲ 0.74% above Maryland avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.74% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.71% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 2-year term
$500
3.71%
▲ 0.74% above Maryland avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.74% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.73% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.73% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.69% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.69% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
24 Month Certificate
$0
3.66%
▲ 0.69% above Maryland avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.69% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
Share 24 months
$500
3.65%
▲ 0.68% above Maryland avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.68% above avgNationally 2.88%
Details
Certificates
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
- Oct 1, 20263.65%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
24 Month Certificates
$0
3.61%
▲ 0.64% above Maryland avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.64% above avgNationally 2.88%
Details
Dividends compounded daily, paid monthly
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.63% above Maryland avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
2 Year Regular & IRA Certificates
$0
3.60%
▲ 0.63% above Maryland avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Jumbo CD
$10,000
3.60%
▲ 0.63% above Maryland avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Standard CD
$500
3.60%
▲ 0.63% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 24 Month Jumbo CD
$10,000
3.60%
▲ 0.63% above Maryland avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Compounded & Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
White Plains 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 3 year
$500
4.80%
▲ 1.86% above Maryland avg
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.86% above avgNationally 2.81%
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.80% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 3 year
$500
4.80%
▲ 1.86% above Maryland avg
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.86% above avgNationally 2.81%
Details
IRA share certificate; early withdrawal penalty applies before maturity
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
- Oct 10, 20264.80%▲ from 4.35%
- Sep 14, 20264.35%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month Share Certificate
$500
4.59%
▲ 1.65% above Maryland avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.65% above avgNationally 2.81%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 8 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 36 Months
$500
4.59%
▲ 1.65% above Maryland avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.65% above avgNationally 2.81%
Details
Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 7 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.50%
▲ 1.56% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.56% above avgNationally 2.81%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45%
▲ 1.51% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.51% above avgNationally 2.81%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40%
▲ 1.46% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.46% above avgNationally 2.81%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 36 Months
$500
4.35%
▲ 1.41% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.41% above avgNationally 2.81%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 36 Months
$500
4.35%
▲ 1.41% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.41% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 4, 20264.35%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 36 Months
$500
4.35%
▲ 1.41% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.41% above avgNationally 2.81%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month Share Certificate
$500
4.33%
▲ 1.39% above Maryland avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.39% above avgNationally 2.81%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 8 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30%
▲ 1.36% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.36% above avgNationally 2.81%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 36 Month
$500
4.25%
▲ 1.31% above Maryland avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.31% above avgNationally 2.81%
Details
IRA products not available online; open at any branch or by calling 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 4.25% APY
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
36 Month Share Certificate
$1,000
4.23%
▲ 1.29% above Maryland avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.29% above avgNationally 2.81%
Details
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Rate History
1 change since Sep 25, 2026 · 3.66% → 4.23% ▲ 0.57 pts · high 4.23% / low 3.66%
- Oct 4, 20264.23%▲ from 3.66%
- Sep 25, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.21% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.21% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 3 Years Add-On
$0
4.15%
▲ 1.21% above Maryland avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.21% above avgNationally 2.81%
Details
Balance: $1 - $3,000; Maximum Balance $3,000; Add funds at any time throughout the certificate term up to $3,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.16% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.16% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
36 Month Traditional or Roth IRA Certificate
$2,000
4.10%
▲ 1.16% above Maryland avg
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.16% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 36-Month
$0
4.10%
▲ 1.16% above Maryland avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.16% above avgNationally 2.81%
Details
Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal
Rate History
No change since Oct 12, 2026 · 4.10% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 36 Months
$500
4.06%
▲ 1.12% above Maryland avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.12% above avgNationally 2.81%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 4.06% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 36 Months
$500
4.06%
▲ 1.12% above Maryland avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.12% above avgNationally 2.81%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02%
▲ 1.08% above Maryland avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.02%
▲ 1.08% above Maryland avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.08% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
36 Month Share Certificate
$1,000
4.00%
▲ 1.06% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.06% above avgNationally 2.81%
Details
Traditional and Roth IRA available; minimum $1,000 to open
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 36 Months
$1,000
4.00%
▲ 1.06% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.06% above avgNationally 2.81%
Details
Savings or IRA; Open; Learn More
Rate History
No change since Oct 12, 2026 · 4.00% APY
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month Share Certificate
$500
3.92%
▲ 0.98% above Maryland avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.98% above avgNationally 2.81%
Details
Balance: $100,000 - $249,999
Rate History
1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
- Oct 5, 20263.92%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
36 Month Share & IRA Share Certificates
$0
3.87%
▲ 0.93% above Maryland avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.93% above avgNationally 2.81%
Details
36 Month Share Certificate has a 1 time STEP-UP feature
Rate History
No change since Oct 13, 2026 · 3.87% APY
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month Share Certificate
$500
3.87%
▲ 0.93% above Maryland avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.93% above avgNationally 2.81%
Details
Balance: $500 - $99,999
Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
- Oct 5, 20263.87%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
3.86%
▲ 0.92% above Maryland avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.92% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
- Oct 9, 20263.86%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 36 Month
$0
3.86%
▲ 0.92% above Maryland avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.92% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
- Oct 9, 20263.86%▲ from 3.81%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 3 Year Certificate
$0
3.81%
▲ 0.87% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 0.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Long Term Certificate Account
$0
3.80%
▲ 0.86% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.86% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 12, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 36 months
$500
3.80%
▲ 0.86% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.86% above avgNationally 2.81%
Details
IRA certificate; Normal IRA restrictions and penalties apply
Rate History
No change since Oct 12, 2026 · 3.80% APY
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
36 Month Certificates
$1,000
3.75%
▲ 0.81% above Maryland avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details
Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Jumbo CD
$10,000
3.75%
▲ 0.81% above Maryland avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details
Compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Standard CD
$500
3.75%
▲ 0.81% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details
Compounded and credited monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 36 Month Jumbo CD
$10,000
3.75%
▲ 0.81% above Maryland avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details
Compounded & Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 36 Month Standard CD
$500
3.75%
▲ 0.81% above Maryland avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details
Compounded & Credited: Monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Jumbo Certificates - Star Member
$0
3.70%
▲ 0.76% above Maryland avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.76% above avgNationally 2.81%
Details
Star Member rate
Rate History
No change since Oct 12, 2026 · 3.70% APY
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
36 Month IRA Certificate
$0
3.66%
▲ 0.72% above Maryland avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Year Fixed-Rate Certificate
$500
3.66%
▲ 0.72% above Maryland avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 3-year term
$500
3.66%
▲ 0.72% above Maryland avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.72% above avgNationally 2.81%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 4 times
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
IRA Certificates - 36 months
$0
3.66%
▲ 0.72% above Maryland avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.72% above avgNationally 2.81%
Details
Dividends compound daily and are credited monthly
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Certificate - Star Member
$0
3.65%
▲ 0.71% above Maryland avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.71% above avgNationally 2.81%
Details
Star Member rate; Effective Date: September 1, 2026; Open Now
Rate History
No change since Oct 12, 2026 · 3.65% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Jumbo Certificates
$0
3.65%
▲ 0.71% above Maryland avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.71% above avgNationally 2.81%
Details
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 6 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
IRA 36 months
$500
3.65%
▲ 0.71% above Maryland avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 0.71% above avgNationally 2.81%
Details
Certificates
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45%
- Oct 1, 20263.65%▲ from 3.45%
- Sep 18, 20263.45%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Business) 36 Month
$0
3.60%
▲ 0.66% above Maryland avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.66% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
- Oct 4, 20263.60%▲ from 3.45%
- Sep 12, 20263.45%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 36-Month
$0
3.60%
▲ 0.66% above Maryland avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.66% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
- Oct 4, 20263.60%▲ from 3.45%
- Sep 12, 20263.45%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Certificate
$0
3.60%
▲ 0.66% above Maryland avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.66% above avgNationally 2.81%
Details
Effective Date: September 1, 2026; Open Now
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
3 Year Regular & IRA Certificates
$0
3.60%
▲ 0.66% above Maryland avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.66% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
White Plains 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificates - 4 year Mini-Jumbo
$20,000
5.00%
▲ 2.14% above Maryland avg
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 2.14% above avgNationally 2.80%
Details
Early withdrawal penalty applies before maturity
Rate History
No change since Oct 14, 2026 · 5.00% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo Share Certificates - 4 year Mini-Jumbo
$20,000
5.00%
▲ 2.14% above Maryland avg
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 2.14% above avgNationally 2.80%
Details
Early withdrawal penalty applies before maturity
Rate History
No change since Oct 14, 2026 · 5.00% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 4 year
$500
4.85%
▲ 1.99% above Maryland avg
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.99% above avgNationally 2.80%
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.85% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 4 year
$500
4.85%
▲ 1.99% above Maryland avg
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.99% above avgNationally 2.80%
Details
IRA share certificate; early withdrawal penalty applies before maturity
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.85% ▲ 0.45 pts · high 4.85% / low 4.40%
- Oct 10, 20264.85%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.60%
▲ 1.74% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.74% above avgNationally 2.80%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55%
▲ 1.69% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.69% above avgNationally 2.80%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50%
▲ 1.64% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.64% above avgNationally 2.80%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40%
▲ 1.54% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.54% above avgNationally 2.80%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 48 Months
$500
4.35%
▲ 1.49% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 48 Months
$500
4.35%
▲ 1.49% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 4, 20264.35%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 48 Months
$500
4.35%
▲ 1.49% above Maryland avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up IRA Share Certificates - 4 year Bump-Up
$5,000
4.35%
▲ 1.49% above Maryland avg
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details
Owners may change the dividend rate once during the term; early withdrawal penalty applies before maturity
Rate History
No change since Oct 14, 2026 · 4.35% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up Share Certificates - 4 year Bump-Up
$5,000
4.35%
▲ 1.49% above Maryland avg
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details
Owners of Bump-Up Certificates may change the dividend rate once during the term. Withdrawal before maturity incurs an early withdrawal penalty.
Rate History
No change since Oct 14, 2026 · 4.35% APY
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
48 Month Share Certificate
$1,000
4.27%
▲ 1.41% above Maryland avg
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.41% above avgNationally 2.80%
Details
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Rate History
1 change since Sep 25, 2026 · 3.70% → 4.27% ▲ 0.57 pts · high 4.27% / low 3.70%
- Oct 4, 20264.27%▲ from 3.70%
- Sep 25, 20263.70%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Month Share Certificate
$500
4.13%
▲ 1.27% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.27% above avgNationally 2.80%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 48 Months
$500
4.13%
▲ 1.27% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.27% above avgNationally 2.80%
Details
Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 48 Months
$500
4.06%
▲ 1.20% above Maryland avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.20% above avgNationally 2.80%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 4.06% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 48 Months
$500
4.06%
▲ 1.20% above Maryland avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.20% above avgNationally 2.80%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 Month Share Certificate
$1,000
4.00%
▲ 1.14% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.14% above avgNationally 2.80%
Details
Traditional and Roth IRA available; minimum $1,000 to open
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 48 Months
$1,000
4.00%
▲ 1.14% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.14% above avgNationally 2.80%
Details
Savings or IRA; Open; Learn More
Rate History
No change since Oct 12, 2026 · 4.00% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97%
▲ 1.11% above Maryland avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.11% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97%
▲ 1.11% above Maryland avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.11% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month Share & IRA Share Certificates
$0
3.92%
▲ 1.06% above Maryland avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.06% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.92% APY
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Month Share Certificate
$500
3.87%
▲ 1.01% above Maryland avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.01% above avgNationally 2.80%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81%
▲ 0.95% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.95% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81%
▲ 0.95% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.95% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 4 Year Certificate
$0
3.81%
▲ 0.95% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.95% above avgNationally 2.80%
Details
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
48 Month Long Term Certificate Account
$0
3.80%
▲ 0.94% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.94% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
- Oct 12, 20263.80%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 48 months
$500
3.80%
▲ 0.94% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.94% above avgNationally 2.80%
Details
IRA certificate; Normal IRA restrictions and penalties apply
Rate History
No change since Oct 12, 2026 · 3.80% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Jumbo Certificates - Star Member
$0
3.75%
▲ 0.89% above Maryland avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.89% above avgNationally 2.80%
Details
Star Member rate
Rate History
No change since Oct 12, 2026 · 3.75% APY
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48 Month Certificates
$1,000
3.75%
▲ 0.89% above Maryland avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.89% above avgNationally 2.80%
Details
Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate - Star Member
$0
3.70%
▲ 0.84% above Maryland avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.84% above avgNationally 2.80%
Details
Star Member rate; Effective Date: September 1, 2026; Open Now
Rate History
No change since Oct 12, 2026 · 3.70% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Jumbo Certificates
$0
3.70%
▲ 0.84% above Maryland avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.84% above avgNationally 2.80%
Details
Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 6 times
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
48 Month CD
$0
3.67%
▲ 0.81% above Maryland avg
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.81% above avgNationally 2.80%
Details
Rate History
3 changes since Sep 14, 2026 · 3.79% → 3.67% ▼ 0.12 pts · high 3.79% / low 3.67%
- Oct 8, 20263.67%▼ from 3.74%
- Sep 24, 20263.74%▲ from 3.71%
- Sep 20, 20263.71%▼ from 3.79%
- Sep 14, 20263.79%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate
$0
3.65%
▲ 0.79% above Maryland avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.79% above avgNationally 2.80%
Details
Effective Date: September 1, 2026; Open Now
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
4 Year Fixed-Rate Certificate
$500
3.61%
▲ 0.75% above Maryland avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.75% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 4-year term
$500
3.61%
▲ 0.75% above Maryland avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.75% above avgNationally 2.80%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Sep 25, 2026 · 3.61% APY · checked 4 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
Share 48 months
$500
3.60%
▲ 0.74% above Maryland avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.74% above avgNationally 2.80%
Details
Certificates
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 1, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 Month IRA Share Certificate
$500
3.56%
▲ 0.70% above Maryland avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.70% above avgNationally 2.80%
Details
IRA Share Certificate; Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
- Oct 12, 20263.56%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 Month Share Certificate
$500
3.56%
▲ 0.70% above Maryland avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.70% above avgNationally 2.80%
Details
Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
- Oct 12, 20263.56%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Member Rewards Gold Certificate
$0
3.55%
▲ 0.69% above Maryland avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.69% above avgNationally 2.80%
Details
Member Rewards Gold: $100 Minimum
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
4 Year Regular & IRA Certificates
$0
3.55%
▲ 0.69% above Maryland avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.69% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
IRA & Education Share Certificates - 48 Months
$0
3.55%
▲ 0.69% above Maryland avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.69% above avgNationally 2.80%
Details
Dividend Rate 3.50%; Penalty for early withdrawal applies; IRAs are also subject to IRS penalties
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
- Oct 5, 20263.55%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 4 years
$0
3.50%
▲ 0.64% above Maryland avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.64% above avgNationally 2.80%
Details
Balance: $100,000 to $249,999
Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 12, 20263.50%▲ from 3.25%
- Oct 4, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
48 Month IRA Certificate
$0
3.45%
▲ 0.59% above Maryland avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.59% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Month Share Certificate
$500
3.45%
▲ 0.59% above Maryland avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.59% above avgNationally 2.80%
Details
Balance: $100,000 - $249,999
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 5, 20263.45%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Member Rewards Silver Certificate
$0
3.43%
▲ 0.57% above Maryland avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.57% above avgNationally 2.80%
Details
Member Rewards Silver: $100 Minimum
Rate History
No change since Sep 25, 2026 · 3.43% APY · checked 4 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 4 years
$0
3.40%
▲ 0.54% above Maryland avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.54% above avgNationally 2.80%
Details
Balance: $1,000 to $99,999
Rate History
2 changes since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90%
- Oct 12, 20263.40%▲ from 3.15%
- Oct 4, 20263.15%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
48 Month Certificates
$0
3.40%
▲ 0.54% above Maryland avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.54% above avgNationally 2.80%
Details
Dividends compounded daily, paid monthly
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Month Share Certificate
$500
3.40%
▲ 0.54% above Maryland avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.54% above avgNationally 2.80%
Details
Balance: $500 - $99,999
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35%
- Oct 5, 20263.40%▲ from 3.35%
- Sep 14, 20263.35%first recorded
White Plains 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificates - 5 year Mini-Jumbo
$20,000
5.05%
▲ 2.08% above Maryland avg
▼
Rate4.93%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 2.08% above avgNationally 2.91%
Details
Early withdrawal penalty applies before maturity
Rate History
No change since Oct 14, 2026 · 5.05% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo Share Certificates - 5 year Mini-Jumbo
$20,000
5.05%
▲ 2.08% above Maryland avg
▼
Rate4.93%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 2.08% above avgNationally 2.91%
Details
Early withdrawal penalty applies before maturity
Rate History
No change since Oct 14, 2026 · 5.05% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 5 year
$500
4.90%
▲ 1.93% above Maryland avg
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.93% above avgNationally 2.91%
Details
Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.90% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 5 year
$500
4.90%
▲ 1.93% above Maryland avg
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.93% above avgNationally 2.91%
Details
IRA share certificate; early withdrawal penalty applies before maturity
Rate History
1 change since Sep 14, 2026 · 4.45% → 4.90% ▲ 0.45 pts · high 4.90% / low 4.45%
- Oct 10, 20264.90%▲ from 4.45%
- Sep 14, 20264.45%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.60%
▲ 1.63% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.63% above avgNationally 2.91%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.60% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.55%
▲ 1.58% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.58% above avgNationally 2.91%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.55% APY
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 60 Months
$500
4.50%
▲ 1.53% above Maryland avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.53% above avgNationally 2.91%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 60 Months
$500
4.50%
▲ 1.53% above Maryland avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.53% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Oct 4, 20264.50%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 60 Months
$500
4.50%
▲ 1.53% above Maryland avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.53% above avgNationally 2.91%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.50%
▲ 1.53% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.53% above avgNationally 2.91%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.50% APY
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.40%
▲ 1.43% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.43% above avgNationally 2.91%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.40% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up IRA Share Certificates - 5 year Bump-Up
$5,000
4.40%
▲ 1.43% above Maryland avg
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.43% above avgNationally 2.91%
Details
Owners may change the dividend rate once during the term; early withdrawal penalty applies before maturity
Rate History
No change since Oct 14, 2026 · 4.40% APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up Share Certificates - 5 year Bump-Up
$5,000
4.40%
▲ 1.43% above Maryland avg
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.43% above avgNationally 2.91%
Details
Owners of Bump-Up Certificates may change the dividend rate once during the term. Withdrawal before maturity incurs an early withdrawal penalty.
Rate History
No change since Oct 14, 2026 · 4.40% APY
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
60 Month Share Certificate
$1,000
4.31%
▲ 1.34% above Maryland avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.34% above avgNationally 2.91%
Details
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
Rate History
1 change since Sep 25, 2026 · 3.73% → 4.31% ▲ 0.58 pts · high 4.31% / low 3.73%
- Oct 4, 20264.31%▲ from 3.73%
- Sep 25, 20263.73%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
60 Month Traditional or Roth IRA Certificate
$2,500
4.25%
▲ 1.28% above Maryland avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
60 Month Share Certificate
$500
4.13%
▲ 1.16% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.16% above avgNationally 2.91%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 60 Months
$500
4.13%
▲ 1.16% above Maryland avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.16% above avgNationally 2.91%
Details
Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 60 Months
$500
4.06%
▲ 1.09% above Maryland avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.09% above avgNationally 2.91%
Details
Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)
Rate History
No change since Oct 12, 2026 · 4.06% APY
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 60 Months
$500
4.06%
▲ 1.09% above Maryland avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.09% above avgNationally 2.91%
Details
Early withdrawal penalty applies.
Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
60 Month Share Certificate
$1,000
4.00%
▲ 1.03% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.91%
Details
Traditional and Roth IRA available; minimum $1,000 to open
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 60 Months
$1,000
4.00%
▲ 1.03% above Maryland avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.91%
Details
Savings or IRA; Open; Learn More
Rate History
No change since Oct 12, 2026 · 4.00% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00%
▲ 1.03% above Maryland avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00%
▲ 1.03% above Maryland avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.91%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
60 Month Share & IRA Share Certificate
$0
3.97%
▲ 1.00% above Maryland avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.00% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 3.97% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.93% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.93% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
60 Month Share Certificate
$500
3.87%
▲ 0.90% above Maryland avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.90% above avgNationally 2.91%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.88% above Maryland avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.88% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
3.84%
▲ 0.87% above Maryland avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.87% above avgNationally 2.91%
Details
Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 60 Month
$0
3.84%
▲ 0.87% above Maryland avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.87% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month IRA Share Certificate
$500
3.82%
▲ 0.85% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.85% above avgNationally 2.91%
Details
IRA Share Certificate; Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 12, 20263.82%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Share Certificate
$500
3.82%
▲ 0.85% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.85% above avgNationally 2.91%
Details
Minimum $500
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
- Oct 12, 20263.82%▲ from 3.30%
- Sep 14, 20263.30%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 5 Year Certificate
$0
3.81%
▲ 0.84% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.84% above avgNationally 2.91%
Details
Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 60 months
$500
3.80%
▲ 0.83% above Maryland avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.91%
Details
IRA certificate; Normal IRA restrictions and penalties apply
Rate History
No change since Oct 12, 2026 · 3.80% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Jumbo Certificates - Star Member
$0
3.80%
▲ 0.83% above Maryland avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.91%
Details
Star Member rate
Rate History
No change since Oct 12, 2026 · 3.80% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Certificate - Star Member
$0
3.75%
▲ 0.78% above Maryland avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details
Star Member rate; Effective Date: September 1, 2026; Open Now
Rate History
No change since Oct 12, 2026 · 3.75% APY
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Jumbo Certificates
$0
3.75%
▲ 0.78% above Maryland avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
60 Month Certificates
$1,000
3.75%
▲ 0.78% above Maryland avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details
Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 60 Month
$500
3.75%
▲ 0.78% above Maryland avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details
IRA products not available online; open at any branch or by calling 1-800-877-6440
Rate History
No change since Oct 14, 2026 · 3.75% APY
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
60 Month CD
$0
3.70%
▲ 0.73% above Maryland avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.73% above avgNationally 2.91%
Details
Rate History
3 changes since Sep 14, 2026 · 3.83% → 3.70% ▼ 0.13 pts · high 3.83% / low 3.70%
- Oct 8, 20263.70%▼ from 3.73%
- Sep 24, 20263.73%▼ from 3.74%
- Sep 20, 20263.74%▼ from 3.83%
- Sep 14, 20263.83%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Certificate
$0
3.70%
▲ 0.73% above Maryland avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.73% above avgNationally 2.91%
Details
Effective Date: September 1, 2026; Open Now
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
IRA Certificates - 60 months
$0
3.66%
▲ 0.69% above Maryland avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.69% above avgNationally 2.91%
Details
Dividends compound daily and are credited monthly
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
Share 60 months
$500
3.60%
▲ 0.63% above Maryland avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.63% above avgNationally 2.91%
Details
Certificates
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 1, 20263.60%▲ from 3.40%
- Sep 18, 20263.40%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 5 Years
$0
3.60%
▲ 0.63% above Maryland avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.63% above avgNationally 2.91%
Details
Traditional, Roth & Coverdell Education; Rates Set: Monthly; Early withdrawal penalty applies
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
5 Year Fixed-Rate Certificate
$500
3.56%
▲ 0.59% above Maryland avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.59% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 5-year term
$500
3.56%
▲ 0.59% above Maryland avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.59% above avgNationally 2.91%
Details
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
60 Month Member Rewards Gold Certificate
$0
3.55%
▲ 0.58% above Maryland avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.58% above avgNationally 2.91%
Details
Member Rewards Gold: $100 Minimum
Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
5 Year Regular & IRA Certificates
$0
3.55%
▲ 0.58% above Maryland avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.58% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
60 Month Certificates
$0
3.51%
▲ 0.54% above Maryland avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.54% above avgNationally 2.91%
Details
Dividends compounded daily, paid monthly
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 3 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificates - 5 years
$0
3.50%
▲ 0.53% above Maryland avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.53% above avgNationally 2.91%
Details
Balance: $100,000 to $249,999
Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 12, 20263.50%▲ from 3.25%
- Oct 4, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
60 Month Jumbo Certificate
$0
3.50%
▲ 0.53% above Maryland avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.53% above avgNationally 2.91%
Details
Dividend rate 3.45%; Jumbo Share
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 5 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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.
White Plains, MD CD Rate Trends
Compare local White Plains, 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.
12-Month CD MD Avg
3.254%
▼ 0.009 vs 7 days ago
Maryland 12-month CD rates fell 0.009 points over the past 7 days to 3.254% APY.
6-Month CD MD Avg
2.778%
▲ 0.004 vs 7 days ago
Maryland 6-month CD rates rose 0.004 points over the past 7 days to 2.778% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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MD CD Rate Forecast, Next 12 Months
Where are Maryland CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MD 12-Month Avg APY
3.254%
6-Month Forecast
3.254%
Range: 3.05%, 3.40%
12-Month Forecast
3.504%
Range: 3.30%, 3.65%
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What Your Savings Earn at MD CD Rates Today
Annual interest earnings at today’s Maryland average APYs. State average used where available; national average as fallback.
| CD Term | MD Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.664% | $83.21 | $166.43 | $416.07 | $832.15 |
| 6-Month CD | 2.778% | $138.92 | $277.84 | $694.60 | $1,389.20 |
| 12-Month CD | 3.254% | $162.71 | $325.41 | $813.53 | $1,627.05 |
| 18-Month CD | 3.112% | $155.59 | $311.17 | $777.93 | $1,555.85 |
| 24-Month CD | 2.966% | $148.29 | $296.57 | $741.43 | $1,482.85 |
| 36-Month CD | 2.945% | $147.25 | $294.49 | $736.23 | $1,472.45 |
| 48-Month CD | 2.859% | $142.97 | $285.93 | $714.83 | $1,429.65 |
| 60-Month CD | 2.970% | $148.49 | $296.98 | $742.45 | $1,484.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for White Plains, 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 | 1.664% | $83.21 |
| 2 | 6-Month CD | $5,000 | 2.778% | $138.92 |
| 3 | 12-Month CD | $5,000 | 3.254% | $162.71 |
| 4 | 24-Month CD | $5,000 | 2.966% | $148.29 |
| 5 | 36-Month CD | $5,000 | 2.945% | $147.25 |
| Total ($25,000 invested) | $25,000 | 2.722% blended | $680.38/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.
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735
CD Rates
Tracked in White Plains, Maryland
Tracked in White Plains, Maryland
11 Banks
52 Credit Unions
About Our White Plains, Maryland CD Rate Database
MonitorBankRates tracks 735 CD rates from 11 banks and 52 credit unions with locations in White Plains, Maryland, plus national online institutions available to Maryland residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Tower Federal Credit Union offers a CD at 5.20% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in White Plains, Maryland.
How to Find the Best CD Rates in White Plains, Maryland
What to compare when shopping for a CD in White Plains, Maryland
To find the best APYs in White Plains, Maryland, start with credit unions and online-only banks: White Plains, Maryland has 52 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 White Plains, 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 White Plains, Maryland: 63 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare White Plains, Maryland savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare White Plains, 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)
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
$185/yr
At MD 12-mo avg 3.254% APY
16.7% of residents are 65 or older, below the national average of 17.3%. At today’s MD 12-month CD average of 3.254%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $185 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 White Plains, Maryland
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in White Plains, Maryland
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in White Plains, Maryland typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in White Plains, Maryland as everywhere in the U.S.
Choosing a CD Term in White Plains, Maryland
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give White Plains, Maryland savers easier access to their funds. For example, Capital Area Realtors Federal Credit Union is offering its 6 Month Certificate of Deposit (CD) at 4.18% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tower Federal Credit Union is offering its Mini-Jumbo IRA Share Certificates - 5 year Mini-Jumbo at 5.05% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for White Plains, Maryland Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a White Plains, Maryland saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in White Plains, Maryland
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the White Plains, Maryland CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in White Plains, Maryland
Most CDs carry a fixed rate that is locked for the entire term, protecting a White Plains, Maryland depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in White Plains, Maryland
Are CD rates in White Plains, Maryland FDIC insured?
Yes, most established banks in White Plains, 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 White Plains, 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 White Plains, 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 White Plains, 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 White Plains, Maryland?
Here are recent top rates found for this area:
- Tower Federal Credit Union: 5.20% APY (Regular and Special Share Certificates - 2 year)
- NATIONAL INSTITUTES OF HEALTH: 5.00% APY (IRA Certificate 12 Month Jumbo)
- FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
- Educational Systems Federal Credit Union: 4.65% APY (18 Month Jumbo Certificates - Star Member)
- Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
- HEMA Federal Credit Union: 4.59% APY (36 Month Share Certificate)
- POCU of Maryland: 4.59% APY (12 Month CD)
- Capital Area Realtors Federal Credit Union: 4.52% APY (24 Month Certificate of Deposit (CD))
- Signal Financial Federal Credit Union: 4.50% APY (Business Share Certificates - 60 Months)
- USALLIANCE: 4.50% APY (12 Month Certificate)
Rates reflect recent verified offers available in White Plains, Maryland. Last Updated: October 14, 2026
White Plains, Maryland CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current White Plains, Maryland rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for White Plains, Maryland
White Plains, Maryland CD Calculator
At today’s MD top rate of 5.20% APY, a $10,000 deposit earns $520 in the first year. Enter your amount to see your exact return.
White Plains, Maryland CD LadderMD CD rates currently range from 1.664% (3-month) to 2.945% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a White Plains, Maryland CD at 5.20% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaryland’s average 12-month CD is 3.254% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our White Plains, Maryland CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for White Plains, Maryland directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in White Plains, Maryland. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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