Sandy Spring Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

  1. Home
  2. Banks
  3. Sandy Spring Bank Deposit Rates
Today's 12-month CD rates can be found at 3.82%, 6-month CD rates at 4.00% and 3-month CD rates at 2.00%. Current savings rates are at 0.40% and money market rates are at 2.02%. Mortgage rates today on 30-year fixed loans are around 6.62%. Credit Card rates are at 10.90%. Personal Loan rates are at 14.20%. All these rates, and more, can be found in our database of rates. Sandy Spring Bank's 18-Month CD rates are at 3.47%, 12-Month CD rates are at 3.40%, 60-Month CD rates are at 3.16%, 24-Month CD rates are at 3.15%, 30-Month CD rates are at 3.12%. Sandy Spring Bank's savings rates are at 0.25%. Sandy Spring Bank's money market rates are at 1.25%.

Sandy Spring Bank

To see how these rates compare to Sandy Spring Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Sandy Spring Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Sandy Spring Bank CD rates. You can also compare Sandy Spring Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Sandy Spring Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sandy Spring Bank? Share your experience about Sandy Spring Bank by leaving a review below, or read customer reviews before you decide to use Sandy Spring Bank.

Sandy Spring Bank Texas Ratio

Sandy Spring Bank's Texas Ratio is at 3.61%, which is considered excellent. The Texas Ratio for Sandy Spring Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Sandy Spring Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
3.40%
18-Month CD
3.47%
24-Month CD
3.15%
36-Month CD
3.10%
48-Month CD
3.10%
60-Month CD
3.16%
Savings
0.25%
MMA
1.25%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Sandy Spring Bank
17801 Georgia Ave
Olney, MD 20832
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Sandy Spring Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Sandy Spring Bank
Sandy Spring Bank
18-Month CD
3.47%
$1,000
Sandy Spring Bank
Sandy Spring Bank
12-Month CD
3.40%
$1,000
Sandy Spring Bank
Sandy Spring Bank
60-Month CD
3.16%
$1,000
Sandy Spring Bank
Sandy Spring Bank
24-Month CD
3.15%
$1,000
Sandy Spring Bank
Sandy Spring Bank
30-Month CD
3.12%
$1,000
Sandy Spring Bank
Sandy Spring Bank
36-Month CD
3.10%
$1,000
Sandy Spring Bank
Sandy Spring Bank
48-Month CD
3.10%
$1,000
Sandy Spring Bank
Sandy Spring Bank
Premier Money Market
2.50%
$250,000
Sandy Spring Bank
Sandy Spring Bank
Business Premier Money Market
1.25%
$10,000
Sandy Spring Bank
Sandy Spring Bank
Regular Savings
0.25%
$25
Show More

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. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Sandy Spring Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Home Savings Bank Salt Lake City, UT
Home Savings Bank Salt Lake City, UT
12-Month CD
4.35%
$25,000
Colorado Federal Savings Bank
Colorado Federal Savings Bank
Online Savings
4.20%
$1
Citizens Savings Bank Bogalusa, LA
Citizens Savings Bank Bogalusa, LA
12-Month CD
4.00%
$2,500
TrustCo Bank
TrustCo Bank
12-Month CD
3.90%
$500
First Community Bank Beemer, NE
First Community Bank Beemer, NE
24-Month CD
3.85%
$10,000
Prairie Bank of Kansas
Prairie Bank of Kansas
48-Month CD
3.79%
$1,000
Beal Bank USA
Beal Bank USA
Statement Savings
3.75%
$500
FSB of Burnet
FSB of Burnet
6-Month CD (Jumbo)
3.70%
$95,000
State Bank of Bottineau
State Bank of Bottineau
60-Month CD
3.53%
$100
First Southwest Bank
First Southwest Bank
60-Month CD
3.50%
$1,000
Bank of Prairie du Sac
Bank of Prairie du Sac
12-Month CD
3.40%
$1,000
Merchants State Bank
Merchants State Bank
18-Month CD
3.25%
$5,000
Primebank
Primebank
18-Month CD
3.25%
$1,000
Friendship State Bank
36-Month CD
3.10%
$500
Cornerstone State Bank
Cornerstone State Bank
48-Month CD (Jumbo)
3.02%
$200,000
Tipton Latham Bank
Tipton Latham Bank
12-Month CD
3.00%
$500
Adams County Bank
Adams County Bank
60-Month CD
2.73%
$500
Mound City Bank
Mound City Bank
60-Month CD
2.49%
$2,500
Henderson State Bank
Henderson State Bank
6-Month CD
2.27%
$500
Yampa Valley Bank
Yampa Valley Bank
48-Month CD
2.25%
$1,000
Independent Bank Mckinney, TX
Independent Bank Mckinney, TX
36-Month CD
2.25%
$1,000
Bank of the Valley
Bank of the Valley
12-Month CD
2.22%
$500
Prevail Bank
Prevail Bank
48-Month CD
2.22%
$1,000
Department of Commerce FCU
Department of Commerce FCU
24-Month CD
2.18%
$500
Savers Co-operative Bank
Savers Co-operative Bank
48-Month CD
2.05%
$500
New Millennium Bank
New Millennium Bank
60-Month CD
2.00%
$500
VisionBank Of Iowa
VisionBank Of Iowa
60-Month CD
2.00%
$250
Forte Bank
Forte Bank
48-Month CD
1.76%
$1,000
USAA
USAA
18-Month CD
1.65%
$1,000
First Arkansas Bank and Trust
First Arkansas Bank and Trust
12-Month CD
1.25%
$500
Liberty Bank for Savings
Liberty Bank for Savings
48-Month CD
1.15%
$5,000
NCS Bank
NCS Bank
12-Month CD
1.00%
$500
The Bank of Brodhead
The Bank of Brodhead
18-Month CD
1.00%
$500
Murray Bank
Murray Bank
30-Month CD
1.00%
$1,000
Citizens State Bank Hudson, WI
Citizens State Bank Hudson, WI
Citizens Select Money Market
0.76%
$0
Grinnell State Bank
Grinnell State Bank
Savings
0.75%
$0
Greenstate Credit Union
Greenstate Credit Union
48-Month CD
0.60%
$500
BankPlus
BankPlus
60-Month CD
0.55%
$1,000
The Honesdale National Bank
The Honesdale National Bank
12-Month CD
0.50%
$1,000
Hometown Bank of PA
Hometown Bank of PA
18-Month CD
0.30%
$1,000
Farmers and Merchants Bank Berlin, WI
Farmers and Merchants Bank Berlin, WI
Money Market
0.25%
$800
MCT Credit Union
MCT Credit Union
Sprout
0.20%
$5
Home Federal S&L of Niles
Home Federal S&L of Niles
NOW Checking
0.10%
$300
Murphy-Wall State B&T Co.
Murphy-Wall State B&T Co.
Statement Savings
0.10%
$50
Peoples First Savings Bank
Peoples First Savings Bank
Money Market
0.10%
$100
Chesapeake Bank
Chesapeake Bank
Totally Free Savings
0.10%
$100
The Bank of Glen Burnie
The Bank of Glen Burnie
Statement Savings
0.05%
$100
First Northern Bank and Trust Company
First Northern Bank and Trust Company
Consumer Money Market
0.05%
$2,500
Farm Bureau Bank FSB
Farm Bureau Bank FSB
Plus Money Market
0.03%
$2,500
Community Bank of Elmhurst
Community Bank of Elmhurst
Money Market
0.01%
$1
Show More

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. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates May 18, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5-Year ARM Jumbo
5.250%
4.753%
0.000
5.560%
5.250%
0.000
15-Year Fixed
5.250%
5.385%
0.750
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
4.750%
5.507%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.375%
5.633%
0.000
15-Year Fixed Jumbo
5.625%
5.651%
0.000
5.500%
5.654%
0.000
5.375%
5.677%
1.125
15-Year Fixed
5.625%
5.681%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Sandy Spring Bank Information

Sandy Spring Bank
17801 Georgia Ave
Olney, MD 20832
Montgomery
Established Date: 01/01/1900
FDIC Certificate #: 4865
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: SANDY SPRING BCORP INC
How Many Domestic U.S. Offices? 55
How Many Branches are There? 55
Is Sandy Spring Bank FDIC Insured? Yes
What is Sandy Spring Bank's Cert number? 4865
What is the maximum amount for insured deposits? $250,000 per holder, per account

Sandy Spring Bank Financials

Total Assets:
$13,883,883,000
Total Deposits:
$11,351,989,000
Equity Capital:
$1,831,851,000
Domestic Deposits:
$11,351,989,000
Net Income:
$22,831,000
Return on Assets:
1.0121%
Quarterly Return on Assets:
0.6500%
Pretax Return on Assets:
0.8719%
Pretax Quarterly Return on Assets:
0.8700%
Return on Equity:
7.8500%
Quarterly Return on Equity:
4.9900%
Common Equity Tier 1 Capital Ratio:
13.1930%
Tier 1 Risk-Based Capital Ratio:
13.1930%
Leverage Tier 1 (Core Capital) Ratio:
11.5681%
Total Risk-Based Capital Ratio (YTD):
14.0952%
Total Interest Income (YTD):
4.8266%
 
 
Headquarters:
Olney
FDIC Field Office:
Baltimore
Regulator:
FED
County:
Montgomery
# of Offices:
55
Metropolitan Statistical Area (MSA):
Washington-Arlington-Alexandria, DC-VA-MD-WV
Consolidated Metropolitan Statistical Area (CMSA):
Washington-Baltimore, DC-MD-VA-WV
OTS Region:
Southeast
FDIC Region:
New York
Source: FDIC Last Updated 03/31/2024

Sandy Spring Bank CD Rates: 5.50% APY 8-Month CD Special

Sandy Spring Bank CD Rates on the bank's two certificate of deposit specials are competitive when compared to similar CD terms and CD rates at other banks. The best CD rates offered by Sandy Spring Bank are on the 8-month special CD at 5.50% APY, minimum opening deposit of $500. Another special CD rate is on Sandy Spring Bank 14-month CD at 5.00%, with a $2,500 minimum opening deposit. View a complete list of Sandy Spring Bank CD rates below.

Sandy Spring Bank offers a range of FDIC-insured Certificate of Deposit (CD) accounts. Enjoy a guaranteed performance with a fixed interest rate. Choose from various terms. You can apply online or visit a local branch for more information.

Sandy Spring Bank Special CD Rates

    Read more...

Explore Other Rate Deals

Current mortgage rates moved slightly higher in Freddie Mac's Primary Mortgage Market Survey (PMMS) this week. Average mortgage rates increased on the heals of a better than expected employment report. The former CEO of General Electric, Jack Welsh, had some bizarre comments on the report. He Tweeted "Unbelievable jobs numbers..these Chicago guys will do anything..can’t debate so change numbers”. Come on Jack, you just lost a big amount of credibility with such a stupid comment. Back to mortgage rates.... Average mortgage rates moved slightly higher in the survey for both fixed mortgage rates and adjustable mortgage rates.
Mortgage rates today are higher on both fixed conforming home loans and fixed jumbo home loans. Current mortgage rates on 30 year home loans are averaging 4.03%, an increase from yesterday’s average 30 year mortgage rate of 4.02%. Today's mortgage rates on 15 year mortgage loans are averaging 3.35%, an increase from yesterday’s average 15 year rate of 3.30%. 

Bank or Credit Union Offers and Deals

Mortgage Rates are Even Lower This Week
Average 30 Year Mortgage Rates Today 4.24 Percent, Lowest Quoted Rates at 3.75 Percent
Average Mortgage Rates Mixed This Week, Lowest 30 Year Rates Remain Under 4.00 Percent
Highest Savings Yields and Money Market Account Yields in Charlotte, NC
Savings Account Rates & Market Account Rates From Alabama CU
CD Rates: Updated May 4th
Citigroup Inc. to Acquire Wachovia
Low HELOC Rates - Consolidate Debt and Save Money
Buying a Home with the Help of a Realtor
Mortgage Rates Today Increase for the Third Consecutive Week

Alternative Bank and Credit Union Offers to Explore

Auto Loan Rates This Week: Average Rates Mixed, 3 Year Loans for New Autos Lower and 4 Year Loans Higher
30 Year Mortgage Rates Will End 2014 Below 4.00 Percent
CitiMortgage $500 off Mortgage Closing Costs
Estimating Your Social Security Benefits
NewportFed 5.51% APR Checking Account
IndyMac Federal Bank 7 month CD Rate 4.15% APY
15 Year Mortgage Rates as Low as 2.25% with 2 Points on a Refinance
Average CD Rates and Highest CD Rates July 5, 2012
Top 10 Online Savings Account Rates
Current CD Rates from Northwest Hills CU

Sandy Spring Bank Reviews

There are no reviews for Sandy Spring Bank yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Sandy Spring Bank
Your Name:
Your Rating:

See how Sandy Spring Bank Compares to other banks