Windsor Mill, Maryland CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Windsor Mill, Maryland CD rates include NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTHA+5.0 ★Texas Ratio: 2.03%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Saver at 5.00% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, NASA Federal Credit UnionNASA Federal Credit UnionA+5.0 ★Texas Ratio: 4.88%Real return: +1.38%APY minus CPI (February 2026) offering 60 months at 4.18% APY, Partners 1st Federal Credit UnionPartners 1st Federal Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +1.27%APY minus CPI (February 2026) offering 24 months at 4.07% APY, and WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.70%Real return: +1.26%APY minus CPI (February 2026) offering 24 Months Share Certificate at 4.06% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Windsor Mill is a smaller community with no bank or credit union branches currently in our database. 649 institutions serving the Maryland area are available to Windsor Mill residents, with CD rates as high as 5.00% APY from NATIONAL INSTITUTES OF HEALTH. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Windsor Mill, Maryland & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month
$500
3.88%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 Month Regular Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
3 Month IRA Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 90 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
3 Month Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 90 days' dividends
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3 Months Certificates of Deposit
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month
$500
3.62%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
New Money Minimum
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 90 days/13 weeks
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
3 Months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 3 Months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3 Months Regular CD
$500
2.00%
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3 Months Regular IRA
$250
2.00%
▼
Rate1.99%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 months Certificate of Deposit (CD)
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
1.70%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificate - Traditional IRA or Roth IRA
$100,000
1.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificate - Traditional IRA or Roth IRA
$10,000
1.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificate - Traditional IRA or Roth IRA
$1,000
1.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 3 Months
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular and Special Share Certificates 3 month
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 3-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
3 month Certificate of Deposit (Consumer & Commercial), IRA Accounts
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 3 months
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 Months Share Certificate
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business Share Certificates 3 Months
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 Month Youth Saver
$500
5.00%
▼
Rate4.88%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 Months Certificates of Deposit
$1,000
3.95%
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business Share Certificates 6 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month Standard CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6 Month Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month Certificates of Deposit
$7,500
3.80%
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
UpdatedMay 5, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 6 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month Certificate of Deposit
$7,500
3.80%
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
UpdatedMay 5, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 6 months/26 weeks
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
6 months Certificate of Deposit (CD)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum Deposit $1,000
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 6 Months
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
6 Month Certificate and Retirement Accounts
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
6-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 Month
$500
3.62%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificates 6 months
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
6 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 90 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
6 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 90 days' dividends
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
6 Month Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6 months Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6 months Share Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
6 Month Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 Month
$500
3.38%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6 Month CD
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (6 month term)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
6 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Months Share & IRA Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
6 Months Regular IRA
$250
3.00%
▼
Rate2.97%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
6 Months Regular CD
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
6 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 6 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 6-month
$10,000
2.60%
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
6-month Fixed Rate Share Certificates
$1,000
2.55%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
IRA Share Cert. 6 months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 months Share Certificates
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
6 Months
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Share Certificate
$250,000
2.25%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Share Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Share Certificate
$10,000
2.15%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Share Certificate
$1,000
2.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular and Special Share Certificates 1 year
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular IRA Share Certificates 1 year
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 months Early Savers
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
12 Months Certificates of Deposit
$1,000
3.95%
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
12-month Certificates
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Star Member rate
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 months Add-On
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Months Smart Share Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business Share Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
IRA Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1 Year Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
Easy Builder Long Term Certificate Account 12 months
$250
3.80%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedMay 6, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 12 months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12 Month Certificate of Deposit
$500
3.80%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12 Month Certificates of Deposit
$7,500
3.80%
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
UpdatedMay 5, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
12 Month CD Online and In Branch
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
No additional deposits after initial deposit
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 12 months/52 weeks
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
1-Year Share Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
1-year term
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
1-year term Fixed-Rate Certificates
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Fixed-Rate Certificate 1-year term
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
12 Month Standard CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
12 Month Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 1 year
$100,000
3.75%
▼
Rate3.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
12 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificates 12 months
$500
3.69%
▼
Rate3.62%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
12 Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
YOUth Boost 12-Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 months Share Certificate
$0
3.67%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 months Share Certificates
$0
3.67%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Capital Area Realtors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.37%
IRA Certificate of Deposit (CD) 12 Months
$50,000
3.67%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details
[New Money]
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1-year Jumbo Certificate of Deposit (CD)
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Roth Conversion IRA 1-year Jumbo
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1-year Jumbo
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 1 year
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 to $99,999
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
18 Months Certificates of Deposit
$1,000
3.80%
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 Months Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
18 Month CD Online and In Branch
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
No additional deposits after initial deposit
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business Share Certificates 18 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
IRA Certificates 18 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMay 6, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
18 Month Regular & IRA Accumulator Certificates
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular and Special Share Certificates 18 month
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
18 Month Certificate of Deposit
$500
3.60%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
18 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Rollover Share Certificate - 18 Months
$5,000
3.47%
▼
Rate3.41%
Min Deposit$5,000
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificates Rollover Share Certificate - 18 Months
$5,000
3.47%
▼
Rate3.41%
Min Deposit$5,000
Min Balance—
UpdatedMay 7, 2026
Details
Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.)
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month CD/IRA
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
18 Month IRA Term Certificates FedPerks
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
18 Month Roth IRA Term Certificates FedPerks
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
18 Month SEP IRA Term Certificates FedPerks
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
18 Month Certificate and Retirement Accounts
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
18 Month IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 18 months
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
18 Month Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum Deposit $1,000
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18 Months Regular IRA
$250
3.25%
▼
Rate3.21%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18 Months Regular CD
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 18 months
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 to $99,999
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 18 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
18 Month IRA Term Certificates
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
18 Month Roth IRA Term Certificates
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
18 Month SEP IRA Term Certificates
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Choose from Traditional IRA * Roth IRA * SEP IRA; $500 Minimum Opening Balance
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
18 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
Rising Rate 18 Months CD
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
Rising Rate 18 Months IRA
$250
3.00%
▼
Rate2.97%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 18 months
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
18 months Certificate of Deposit (CD)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
24 months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
24 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular and Special Share Certificates 2 year
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular IRA Share Certificates 2 year
$500
4.05%
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 months Bump Rate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
24 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
24 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500+
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Fixed-Rate Certificate 2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2-year term Fixed-Rate Certificates
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 2-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business Share Certificates 24 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
IRA Certificates 24 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
3.65%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
24 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
24 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Share Certificate - Traditional IRA or Roth IRA
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 24 months/2 years
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (24 month term)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Share Certificate - Traditional IRA or Roth IRA
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 7, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 24 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 24-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Raise Your Rate Share Certificate 24-month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
24-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
24 Months Regular CD
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
24 Months Regular IRA
$250
3.50%
▼
Rate3.46%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Standard CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Share Certificate - Traditional IRA or Roth IRA
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificates 24 months
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 months Share Certificate
$0
3.43%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 months Share Certificates
$0
3.43%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Years Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Years Share Certificates
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
2-year Jumbo Certificate of Deposit (CD)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
36 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 months Bump Rate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
36 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business Share Certificates 36 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
IRA Certificates 36 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
36 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 3-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular and Special Share Certificates 3 year
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular IRA Share Certificates 3 year
$500
3.70%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
3-year term
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
3-year term Fixed-Rate Certificates
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Fixed-Rate Certificate 3-year term
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 36 months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
36 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
36 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
CDARS? (CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE?) 36 months/3 years
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Variable-Rate Certificate 3-year term
$50
3.56%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
36-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Raise Your Rate Share Certificate 36-Month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 36-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
36 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Standard CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
36 Months Regular IRA
$250
3.50%
▼
Rate3.46%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
36 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
36 Months Regular CD
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificates 36 months
$500
3.47%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 months Share Certificate
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 months Share Certificates
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Share Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
36 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
No additional deposits after initial deposit
Capital Area Realtors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.37%
IRA Certificate of Deposit (CD) 36 Months
$200,000
3.28%
▼
Rate—
Min Deposit$200,000
Min Balance—
UpdatedMay 7, 2026
Details
[New Money]
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 36 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
36 Months
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500+
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
48 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4 year Mini-Jumbo IRA Share Certificates
$20,000
3.95%
▼
Rate3.87%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4 year Mini-Jumbo Share Certificates
$20,000
3.95%
▼
Rate3.87%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business Share Certificates 48 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
IRA Certificates 48 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular and Special Share Certificates 4 year
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular IRA Share Certificates 4 year
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
48 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Fixed-Rate Certificate 4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
4-year term Fixed-Rate Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 48-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
48 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
48 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Raise Your Rate Share Certificate 48-Month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
48-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
48 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
48 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 48 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4 year Bump-Up Share Certificates
$5,000
3.30%
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4 year Bump-Up IRA Share Certificates
$5,000
3.30%
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 4 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 months Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
IRA Share Cert. 48 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 4 years
$1,000
3.15%
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000 to $99,999
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificates 48 months
$500
3.11%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
48 months Share Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
48 months Share Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 48 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
48 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Deposit $500+
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 4 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5 year Mini-Jumbo IRA Share Certificates
$20,000
4.00%
▼
Rate3.92%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5 year Mini-Jumbo Share Certificates
$20,000
4.00%
▼
Rate3.92%
Min Deposit$20,000
Min Balance—
UpdatedMay 12, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular and Special Share Certificates 5 year
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Regular IRA Share Certificates 5 year
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business Share Certificates 60 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
IRA Certificates 60 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
60 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 5-year term
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
60 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
60 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
5-year term
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
5-year term Fixed-Rate Certificates
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Fixed-Rate Certificate 5-year term
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
60-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
5 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Years Share Certificates
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
60 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
60 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
60 Month Golden Year Share Certificate
$5,000
3.50%
▼
Rate3.44%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
must be 62 years of age or older; No penalty for 1 withdrawal. Each additional withdrawal incurs a penalty equal to 180 days' dividends.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Preferred APY
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Share Certificates 60 months
$500
3.42%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
60 months Share Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
60 months Share Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
No additional deposits after initial deposit
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5 year Bump-Up IRA Share Certificates
$5,000
3.35%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
5 year Bump-Up Share Certificates
$5,000
3.35%
▼
Rate3.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 months Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
IRA Share Cert. 60 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 5 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 to $249,999
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Windsor Mill, Maryland at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Windsor Mill residents from institutions serving the Maryland area is 5.00% APY from NATIONAL INSTITUTES OF HEALTH. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Windsor Mill, MD CD Rate Trends
Compare local Windsor Mill, 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
2.894%
▲ 0.320 vs 7 days ago
Maryland 12-month CD rates rose 0.320 points over the past 7 days to 2.894% APY.
6-Month CD — MD Avg
1.811%
▲ 0.207 vs 7 days ago
Maryland 6-month CD rates rose 0.207 points over the past 7 days to 1.811% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MD CD Rate Forecast — Next 12 Months
Where are Maryland CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MD 12-Month Avg APY
2.894%
6-Month Forecast
2.894%
Range: 2.69% – 3.04%
12-Month Forecast
2.644%
Range: 2.44% – 2.79%
Powered by
MonitorBankRates
What Your Savings Earn at MD CD Rates Today
Annual interest earnings at today’s Maryland average APYs. State average used where available; national average as fallback.
| CD Term | MD Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.028% | $51.39 | $102.77 | $256.93 | $513.85 |
| 6-Month CD | 1.811% | $90.55 | $181.09 | $452.73 | $905.45 |
| 12-Month CD | 2.894% | $144.72 | $289.43 | $723.58 | $1,447.15 |
| 18-Month CD | 2.962% | $148.10 | $296.20 | $740.50 | $1,481.00 |
| 24-Month CD | 3.089% | $154.44 | $308.88 | $772.20 | $1,544.40 |
| 36-Month CD | 2.995% | $149.74 | $299.47 | $748.68 | $1,497.35 |
| 48-Month CD | 3.021% | $151.06 | $302.12 | $755.30 | $1,510.60 |
| 60-Month CD | 2.737% | $136.83 | $273.66 | $684.15 | $1,368.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Windsor Mill, Maryland Savers
$25,000 split equally across 5 terms using today’s Maryland average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MD Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.028% | $51.39 |
| 2 | 6-Month CD | $5,000 | 1.811% | $90.55 |
| 3 | 12-Month CD | $5,000 | 2.894% | $144.72 |
| 4 | 24-Month CD | $5,000 | 3.089% | $154.44 |
| 5 | 36-Month CD | $5,000 | 2.995% | $149.74 |
| Total ($25,000 invested) | $25,000 | 2.363% blended | $590.84/yr | |
Ladder example uses equal $5,000 rungs and Maryland average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
582
CD Rates
Tracked in Windsor Mill, Maryland
Tracked in Windsor Mill, Maryland
24 Banks
34 Credit Unions
About Our Windsor Mill, Maryland CD Rate Database
MonitorBankRates tracks 582 CD rates from 24 banks and 34 credit unions with locations in Windsor Mill, Maryland, plus national online institutions available to Maryland residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: NATIONAL INSTITUTES OF HEALTH offers a CD at 5.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Windsor Mill, Maryland.
How to Find the Best CD Rates in Windsor Mill, Maryland
What to compare when shopping for a CD in Windsor Mill, Maryland
To find the best APYs in Windsor Mill, Maryland, start with credit unions and online-only banks — Windsor Mill, Maryland has 34 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Windsor Mill, 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 Windsor Mill, Maryland — 58 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Windsor Mill, Maryland savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Windsor Mill, 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
$165/yr
At MD 12-mo avg 2.894% APY
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s MD 12-month CD average of 2.894%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $165 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Windsor Mill, Maryland
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Windsor Mill, Maryland
Are CD rates in Windsor Mill, Maryland FDIC insured?
Yes, most established banks in Windsor Mill, 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 Windsor Mill, 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 Windsor Mill, 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 Windsor Mill, 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 Windsor Mill, Maryland?
Here are recent top rates found for this area:
- NATIONAL INSTITUTES OF HEALTH: 5.00% APY (6 Month Youth Saver)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- NASA Federal Credit Union: 4.18% APY (60 months)
- Partners 1st Federal Credit Union: 4.07% APY (24 months)
- WEPCO Federal Credit Union: 4.06% APY (24 Months Share Certificate)
- Tower Federal Credit Union: 4.05% APY (Regular and Special Share Certificates 2 year)
- Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
- EagleBank: 3.95% APY (6 Month CD)
- APL Federal Credit Union: 3.95% APY (12 Months)
- Educational Systems Federal Credit Union: 3.95% APY (12-month Certificates)
Rates reflect recent verified offers available in Windsor Mill, Maryland. Last Updated: May 12, 2026
CD Calculators for Windsor Mill, Maryland
Windsor Mill, Maryland CD Calculator
At today’s MD top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Windsor Mill, Maryland CD LadderMD CD rates currently range from 1.028% (3-month) to 2.995% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Windsor Mill, Maryland CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaryland’s average 12-month CD is 2.894% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Windsor Mill, 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 Windsor Mill, 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 Windsor Mill, Maryland. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 12, 2026
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