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CD Rate Trends

Maryland Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Maryland CD rates range from 0.01% to 5.20% APY, verified by MonitorBankRates as of October 23, 2026. Current Maryland CD rates include Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.97%Real return: +1.50%APY minus CPIRate verified Oct 19, 2026 offering 2 Year Regular IRA Share Certificate at 5.20% APY, NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTH111 Rockville Pike Ste 500, Rockville, MD 20850A+5.0 ★Texas Ratio: 4.98%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 6 Month Youth Saver at 5.00% APY, FIRST EAGLEFIRST EAGLE10451 Mill Run Cir Ste 300, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 3.56%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering Share Certificate Special - 1 Year Certificate at 5.00% APY, Educational Systems Federal Credit UnionEducational Systems Federal Credit Union7500 Greenway Center Dr, Greenbelt, MD 20770A+5.0 ★Texas Ratio: 3.40%Real return: +0.95%APY minus CPIRate verified Oct 23, 2026 offering 18 Month Jumbo Certificates - Star Member at 4.65% APY, and Patriot Federal Credit UnionPatriot Federal Credit Union18721 Longmeadow Rd, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 1.50%Real return: +0.90%APY minus CPIRate verified Oct 23, 2026 offering 48 Month Share Certificate at 4.60% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Maryland side-by-side. Maryland CD rates currently reach as high as 5.20% APY from Tower Federal Credit Union at 7901 Sandy Spring Rd, Laurel, MD 20707. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in Maryland

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Maryland 3 Month CD Rates

MonitorBankRates Maryland Average · 3 Month CD1.76% APY▲ 0.03% from last weekNational 2.13%
View 3-month CD rate trend

The average 3-month CD rate in Maryland is 1.76% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA 3 Month Certificate
$500
3.88% ▲ 2.13% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average1.76%▲ 2.13% above avgNationally 2.13%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Oct 19, 2026 · 3.88% APY
3.38%3.88%4.38%Oct 19, 2026: 3.88% APYOct 19, 2026Oct 25, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
12820 Wisteria Dr, Germantown, MD 20874 2627
3 Month Regular Certificates
$0
3.80% ▲ 2.05% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 2.05% above avgNationally 2.13%
Details

Minimum Balance to earn APY: $1,000.00

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
10035 Baltimore National Pike, Ellicott City, MD 21042
WooriWON Certificate of Deposit (CD) - 3 Months
$1,000
3.70% ▲ 1.95% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▲ 1.95% above avgNationally 2.13%
Details

APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 25, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificate Specials - 3-Month
$0
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.95% above avgNationally 2.13%
Details

New Money; Share, IRA certificate special

Rate History
No change since Oct 23, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 23, 2026: 3.70% APYOct 23, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
Certificate of Deposit - 3 Months
$1,000
3.65% ▲ 1.90% above Maryland avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▲ 1.90% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
Certificate - 3 Month
$500
3.62% ▲ 1.87% above Maryland avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average1.76%▲ 1.87% above avgNationally 2.13%
Details

Rate History
No change since Oct 19, 2026 · 3.63% APY
3.13%3.63%4.13%Oct 19, 2026: 3.63% APYOct 19, 2026Oct 25, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
Share Certificate - 3 months
$0
3.50% ▲ 1.75% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.75% above avgNationally 2.13%
Details

Share Certificate APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
2.65%3.33%4.00%Sep 25, 2026: 3.15% APYOct 4, 2026: 3.50% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.50%▲ from 3.15%
  • Sep 25, 20263.15%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
Business Certificates - 3 Months
$0
3.49% ▲ 1.74% above Maryland avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.74% above avgNationally 2.13%
Details

Balance: $2,500.00

Rate History
1 change since Oct 13, 2026 · 3.44% → 3.49% ▲ 0.05 pts · high 3.49% / low 3.44%
2.94%3.47%3.99%Oct 13, 2026: 3.44% APYOct 23, 2026: 3.49% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.49%▲ from 3.44%
  • Oct 13, 20263.44%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
Share Certificates - 3 Months
$0
3.46% ▲ 1.71% above Maryland avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.71% above avgNationally 2.13%
Details

Rate History
1 change since Oct 13, 2026 · 3.41% → 3.46% ▲ 0.05 pts · high 3.46% / low 3.41%
2.91%3.44%3.96%Oct 13, 2026: 3.41% APYOct 23, 2026: 3.46% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.46%▲ from 3.41%
  • Oct 13, 20263.41%first recorded
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
3 Month Jumbo Certificate
$50,000
3.20% ▲ 1.45% above Maryland avg
View
▼
Rate3.16%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.45% above avgNationally 2.13%
Details

Effective 10-22-2026

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Jumbo Certificates - Star Member
$0
3.10% ▲ 1.35% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.35% above avgNationally 2.13%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Certificate - Star Member
$0
3.05% ▲ 1.30% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.30% above avgNationally 2.13%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
No change since Oct 12, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Jumbo Certificates
$0
3.05% ▲ 1.30% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.30% above avgNationally 2.13%
Details

Rate History
No change since Sep 21, 2026 · 3.05% APY · checked 8 times
2.55%3.05%3.55%Sep 21, 2026: 3.05% APYSep 21, 2026Oct 25, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
17801 Georgia Ave, Olney, MD 20832
3 Month Standard CD
$1,000
3.00% ▲ 1.25% above Maryland avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▲ 1.25% above avgNationally 2.13%
Details

Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500

Rate History
No change since Oct 20, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
Certificate of Deposit - 3 Months
$1,000
3.00% ▲ 1.25% above Maryland avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▲ 1.25% above avgNationally 2.13%
Details

Interest Rate 2.97%; Annual Percentage Yield 3.00%

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Certificate
$0
3.00% ▲ 1.25% above Maryland avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.25% above avgNationally 2.13%
Details

Open Now

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Business) 3 Month
$0
2.80% ▲ 1.05% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.05% above avgNationally 2.13%
Details

Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 12, 2026: 2.55% APYOct 4, 2026: 2.80% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20262.80%▲ from 2.55%
  • Sep 12, 20262.55%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 3-Month
$0
2.80% ▲ 1.05% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 1.05% above avgNationally 2.13%
Details

Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 12, 2026: 2.55% APYOct 4, 2026: 2.80% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20262.80%▲ from 2.55%
  • Sep 12, 20262.55%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
Certificate - 3 Months - Preferred
$500
2.70% ▲ 0.95% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 0.95% above avgNationally 2.13%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 2.60% → 2.70% ▲ 0.10 pts · high 2.70% / low 2.60%
2.10%2.65%3.20%Oct 12, 2026: 2.60% APYOct 23, 2026: 2.70% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20262.70%▲ from 2.60%
  • Oct 12, 20262.60%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
3 Month Certificate
$500
2.35% ▲ 0.60% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 0.60% above avgNationally 2.13%
Details

Regular, IRA & ESA Certificate; Base APY; Rates effective as of 10/22/2026; Dividends compounded daily and credited monthly

Rate History
1 change since Oct 12, 2026 · 2.25% → 2.35% ▲ 0.10 pts · high 2.35% / low 2.25%
1.75%2.30%2.85%Oct 12, 2026: 2.25% APYOct 23, 2026: 2.35% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20262.35%▲ from 2.25%
  • Oct 12, 20262.25%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
Certificate - 3 Months
$500
2.35% ▲ 0.60% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 0.60% above avgNationally 2.13%
Details

Regular, IRA & ESA certificate table

Rate History
1 change since Oct 12, 2026 · 2.25% → 2.35% ▲ 0.10 pts · high 2.35% / low 2.25%
1.75%2.30%2.85%Oct 12, 2026: 2.25% APYOct 23, 2026: 2.35% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20262.35%▲ from 2.25%
  • Oct 12, 20262.25%first recorded
Securityplus Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
7135 Windsor Blvd, Baltimore, MD 21244
3-Month Share
$1,000
2.20% ▲ 0.45% above Maryland avg
View
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 0.45% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 2.20% APY · checked 2 times
1.70%2.20%2.70%Oct 22, 2026: 2.20% APYOct 22, 2026Oct 25, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 3 Month Certificate
$0
2.10% ▲ 0.35% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 0.35% above avgNationally 2.13%
Details

Rate History
No change since Oct 12, 2026 · 2.10% APY · checked 3 times
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 25, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 3 Month Jumbo Certificate
$0
2.10% ▲ 0.35% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 0.35% above avgNationally 2.13%
Details

Rate History
No change since Oct 12, 2026 · 2.10% APY · checked 3 times
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month TD Choice CD
$250
2.00% ▲ 0.25% above Maryland avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average1.76%▲ 0.25% above avgNationally 2.13%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2702 N Salisbury Blvd, Salisbury, MD 21801
3 Month Certificate of Deposit
$500
2.00% ▲ 0.25% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▲ 0.25% above avgNationally 2.13%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular CD - 3 Months
$500
2.00% ▲ 0.25% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average1.76%▲ 0.25% above avgNationally 2.13%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
3 Month Certificate
$0
2.00% ▲ 0.25% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 0.25% above avgNationally 2.13%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
3 Month Jumbo Certificate
$0
2.00% ▲ 0.25% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▲ 0.25% above avgNationally 2.13%
Details

Regular Certificate Accounts; Jumbo

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
971 Corporate Blvd, Linthicum, MD 21090 2342
Certificate of Deposit - 3 months
$500
2.00% ▲ 0.25% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average1.76%▲ 0.25% above avgNationally 2.13%
Details

Open now

Rate History
No change since Oct 13, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month TD Choice CD
$250
1.99% ▲ 0.24% above Maryland avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average1.76%▲ 0.24% above avgNationally 2.13%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
Share Certificate 3-Month Certificate
$0
1.76% ▲ 0.01% above Maryland avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average1.76%▲ 0.01% above avgNationally 2.13%
Details

Rate History
No change since Oct 19, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 19, 2026: 1.76% APYOct 19, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate
$0
1.70% ▼ 0.05% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▼ 0.05% below avgNationally 2.13%
Details

Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 1.70% APY · checked 5 times
1.20%1.70%2.20%Oct 5, 2026: 1.70% APYOct 5, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate
$0
1.65% ▼ 0.10% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▼ 0.10% below avgNationally 2.13%
Details

Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 1.65% APY · checked 5 times
1.15%1.65%2.15%Oct 5, 2026: 1.65% APYOct 5, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate
$0
1.60% ▼ 0.15% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▼ 0.15% below avgNationally 2.13%
Details

Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 1.60% APY · checked 5 times
1.10%1.60%2.10%Oct 5, 2026: 1.60% APYOct 5, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
3 Month Short-Term Certificate
$0
1.55% ▼ 0.20% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▼ 0.20% below avgNationally 2.13%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 25, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
3 Month Easy Builder Short Term Certificate Account
$250
1.51% ▼ 0.24% below Maryland avg
View
▼
Rate1.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▼ 0.24% below avgNationally 2.13%
Details

Young Investor Option: $50.00 minimum opening deposit

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 25, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
3 Month Short Term Certificate Account
$1,000
1.51% ▼ 0.24% below Maryland avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▼ 0.24% below avgNationally 2.13%
Details

APY assumes reinvestment at the same term for 12 months

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 9 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
3 Month Short-Term Certificate
$0
1.50% ▼ 0.25% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▼ 0.25% below avgNationally 2.13%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
3 Month Share Certificate
$0
1.50% ▼ 0.25% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▼ 0.25% below avgNationally 2.13%
Details

Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Oct 5, 2026: 1.50% APYOct 5, 2026Oct 25, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
8300 Burdette Rd, Bethesda, MD 20817
3 Month Platinum Account Holders Certificate of Deposit
$0
1.36% ▼ 0.39% below Maryland avg
View
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average1.76%▼ 0.39% below avgNationally 2.13%
Details

Platinum account holders; Early Withdrawal Penalty: 30 days' simple interest; Minimum Balance to Open and Obtain APY: $1,000; Rate is 0.10% higher than standard CD rates and may differ at renewal

Rate History
No change since Oct 20, 2026 · 1.36% APY · checked 3 times
0.86%1.36%1.86%Oct 20, 2026: 1.36% APYOct 20, 2026Oct 25, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
8300 Burdette Rd, Bethesda, MD 20817
3 Month Certificate of Deposit
$0
1.26% ▼ 0.49% below Maryland avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average1.76%▼ 0.49% below avgNationally 2.13%
Details

Early Withdrawal Penalty: 30 days' simple interest; Minimum Balance to Open and Obtain APY: $1,000

Rate History
No change since Oct 20, 2026 · 1.26% APY · checked 3 times
0.76%1.26%1.76%Oct 20, 2026: 1.26% APYOct 20, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
30 - 90 Day Jumbo Share Certificates
$100,000
1.10% ▼ 0.65% below Maryland avg
View
▼
Rate1.09%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average1.76%▼ 0.65% below avgNationally 2.13%
Details

Early withdrawal penalty applies before maturity

Rate History
No change since Oct 14, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 14, 2026: 1.10% APYOct 14, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 3 month
$500
1.05% ▼ 0.70% below Maryland avg
View
▼
Rate1.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average1.76%▼ 0.70% below avgNationally 2.13%
Details

Auto-renews at next highest term unless withdrawn at maturity; not offered on IRAs

Rate History
No change since Oct 14, 2026 · 1.05% APY · checked 2 times
0.55%1.05%1.55%Oct 14, 2026: 1.05% APYOct 14, 2026Oct 25, 2026
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
103 W Main St, Sharpsburg, MD 21782
Business Certificate of Deposit - 3 Months
$500
1.00% ▼ 0.75% below Maryland avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average1.76%▼ 0.75% below avgNationally 2.13%
Details

Interest rate fixed for specified term; penalty for early withdrawal

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
207 N Main St, Boonsboro, MD 21713
Certificate of Deposit - 3-Month
$0
0.70% ▼ 1.06% below Maryland avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▼ 1.06% below avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 25, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
Certificate - 3 months
$500
0.65% ▼ 1.11% below Maryland avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average1.76%▼ 1.11% below avgNationally 2.13%
Details

Current rates as of October 1, 2025

Rate History
No change since Oct 22, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 22, 2026: 0.65% APYOct 22, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5260 Western Ave, Chevy Chase, MD 20815
3 Month Standard CDs - Rewards
$0
0.60% ▼ 1.15% below Maryland avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average1.76%▼ 1.15% below avgNationally 2.13%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2120 Baldwin Ave, Crofton, MD 21114
3 Month Standard Rate CDs
$500
0.50% ▼ 1.26% below Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average1.76%▼ 1.26% below avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 25, 2026
The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
127 North St, Elkton, MD 21921
3 Month CD
$0
0.50% ▼ 1.26% below Maryland avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average1.76%▼ 1.26% below avgNationally 2.13%
Details

Balance: $100,000 and up

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 25, 2026

Maryland 6 Month CD Rates

MonitorBankRates Maryland Average · 6 Month CD2.81% APY▲ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Maryland is 2.81% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Youth Saver
$500
5.00% ▲ 2.19% above Maryland avg
View
▼
Rate4.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 2.19% above avgNationally 2.78%
Details

Youth Saver

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Share Certificate - 6 months
$0
4.30% ▲ 1.49% above Maryland avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.81%▲ 1.49% above avgNationally 2.78%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
312 Main St, Preston, MD 21655
6-Month CD
$1,000
4.20% ▲ 1.39% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average2.81%▲ 1.39% above avgNationally 2.78%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 Month CD
$1,000
4.20% ▲ 1.39% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.81%▲ 1.39% above avgNationally 2.78%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 8 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
Certificate of Deposit - 6 Months
$1,000
4.20% ▲ 1.39% above Maryland avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.81%▲ 1.39% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 25, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
Certificate of Deposit (CD) - 6 Months
$0
4.18% ▲ 1.37% above Maryland avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.37% above avgNationally 2.78%
Details

Rate History
6 changes since Sep 14, 2026 · 4.18% → 4.18% ▼ 0.00 pts · high 4.18% / low 4.15%
3.65%4.17%4.68%Sep 14, 2026: 4.18% APYSep 18, 2026: 4.15% APYSep 21, 2026: 4.18% APYSep 25, 2026: 4.15% APYSep 29, 2026: 4.18% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.18%▲ from 4.15%
  • Oct 5, 20264.15%▼ from 4.18%
  • Sep 29, 20264.18%▲ from 4.15%
  • Sep 25, 20264.15%▼ from 4.18%
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 6-Month - Better Rewards
$0
4.15% ▲ 1.34% above Maryland avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.34% above avgNationally 2.78%
Details

Better Rewards Checking eligibility required at time of opening or renewing

Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
6 Month Share Certificate
$500
4.13% ▲ 1.32% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.32% above avgNationally 2.78%
Details

Balance: $1M+

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate - 6 Months
$0
4.13% ▲ 1.32% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
Share Certificate 6-Month Certificate 70th Anniversary Special
$0
4.02% ▲ 1.21% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 1.21% above avgNationally 2.78%
Details

70th Anniversary Special

Rate History
No change since Oct 14, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 14, 2026: 4.02% APYOct 14, 2026Oct 25, 2026
Ameriserv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
12806 Shank Farm Way, Hagerstown, MD 21742
6 Month Certificate of Deposit
$0
4.00% ▲ 1.19% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.81%▲ 1.19% above avgNationally 2.78%
Details

Featured rate from homepage promotional carousel

Rate History
1 change since Sep 15, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 15, 2026: 3.75% APYOct 20, 2026: 4.00% APYSep 15, 2026Oct 25, 2026
  • Oct 20, 20264.00%▲ from 3.75%
  • Sep 15, 20263.75%first recorded
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1305 S Salisbury Blvd, Salisbury, MD 21801 6845
Share Certificate - 6 Months
$500
4.00% ▲ 1.19% above Maryland avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.19% above avgNationally 2.78%
Details

Regular And IRA Share Certificates ($500 Minimum); Not offered for IRA Certificate

Rate History
1 change since Sep 17, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 17, 2026: 3.35% APYOct 23, 2026: 4.00% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.35%
  • Sep 17, 20263.35%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
6 Month Share Certificate
$500
3.87% ▲ 1.06% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.06% above avgNationally 2.78%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 10 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
6 Month Jumbo Certificate
$50,000
3.85% ▲ 1.04% above Maryland avg
View
▼
Rate3.79%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.04% above avgNationally 2.78%
Details

Effective 10-22-2026

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 25, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
6 Month Standard and IRA Certificate
$100
3.85% ▲ 1.04% above Maryland avg
View
▼
Rate3.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.04% above avgNationally 2.78%
Details

Effective 10-22-2026; Dividend Rate 3.79%, APY 3.85%

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
6 Month Share Certificates
$500
3.82% ▲ 1.01% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.01% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate - 6 Months
$500
3.82% ▲ 1.01% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 1.01% above avgNationally 2.78%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
3.32%4.04%4.75%Oct 4, 2026: 4.25% APYOct 12, 2026: 3.82% APYOct 4, 2026Oct 25, 2026
  • Oct 12, 20263.82%▼ from 4.25%
  • Oct 4, 20264.25%first recorded
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
Certificates of Deposit - 6 Month
$7,500
3.80% ▲ 0.99% above Maryland avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average2.81%▲ 0.99% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Jumbo Certificates - Star Member
$0
3.80% ▲ 0.99% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.99% above avgNationally 2.78%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 25, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
12820 Wisteria Dr, Germantown, MD 20874 2627
6 Month Regular & IRA Certificates
$0
3.80% ▲ 0.99% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.99% above avgNationally 2.78%
Details

Minimum Balance to earn APY: $1,000.00

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
10035 Baltimore National Pike, Ellicott City, MD 21042
WooriWON Certificate of Deposit (CD) - 6 Months
$1,000
3.75% ▲ 0.94% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.78%
Details

APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 25, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate 6 Months
$500
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.78%
Details

Not eligible for IRA Terms; minimum balance $500 to open

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Certificate - Star Member
$0
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.78%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Jumbo Certificates
$0
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
890 Bestgate Rd, Annapolis, MD 21401
6-Month Term CD
$1,000
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
890 Bestgate Rd, Annapolis, MD 21401
Term CD - 6-Month
$1,000
3.75% ▲ 0.94% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.78%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
8 W Bel Air Ave, Aberdeen, MD 21001
Certificate - 6 Month
$1,000
3.70% ▲ 0.89% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.78%
Details

Minimum Deposit $1,000 (IRA $250)

Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 25, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 6 Month Certificate
$0
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 25, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA 6 Month Jumbo Certificate
$0
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Certificate
$0
3.70% ▲ 0.89% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.78%
Details

Open Now

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
6 Month Jumbo CD
$10,000
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.78%
Details

Compounded & Credited: Monthly; Jumbo CD; APY accurate as of October 18, 2026

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
6 Month Standard CD
$500
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.78%
Details

Compounded & Credited: Monthly; APY accurate as of October 18, 2026

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 6 Month Jumbo CD
$10,000
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.78%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 6 Month Standard CD
$500
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.78%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1414 S DIVISION ST, SALISBURY, MD 21804
BEE Share Certificate - 6 Month Term
$10,000
3.68% ▲ 0.87% above Maryland avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.87% above avgNationally 2.78%
Details

Dividends compounded and paid quarterly

Rate History
4 changes since Sep 14, 2026 · 3.47% → 3.68% ▲ 0.21 pts · high 3.68% / low 3.47%
2.97%3.58%4.18%Sep 14, 2026: 3.47% APYSep 20, 2026: 3.52% APYOct 4, 2026: 3.64% APYOct 8, 2026: 3.63% APYOct 15, 2026: 3.68% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20263.68%▲ from 3.63%
  • Oct 8, 20263.63%▼ from 3.64%
  • Oct 4, 20263.64%▲ from 3.52%
  • Sep 20, 20263.52%▲ from 3.47%
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1414 S DIVISION ST, SALISBURY, MD 21804
JUMBO Share Certificate - 6 Month Term
$50,000
3.68% ▲ 0.87% above Maryland avg
View
▼
Rate3.63%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.87% above avgNationally 2.78%
Details

Dividends compounded and paid quarterly

Rate History
4 changes since Sep 14, 2026 · 3.53% → 3.68% ▲ 0.15 pts · high 3.72% / low 3.36%
2.86%3.54%4.22%Sep 14, 2026: 3.53% APYSep 20, 2026: 3.36% APYSep 25, 2026: 3.37% APYOct 4, 2026: 3.72% APYOct 8, 2026: 3.68% APYSep 14, 2026Oct 25, 2026
  • Oct 8, 20263.68%▼ from 3.72%
  • Oct 4, 20263.72%▲ from 3.37%
  • Sep 25, 20263.37%▲ from 3.36%
  • Sep 20, 20263.36%▼ from 3.53%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificate - 6 Month
$0
3.66% ▲ 0.85% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.85% above avgNationally 2.78%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 25, 2026
The Bank of Glen Burnie
Institution Rating:
B-3.4 ★Texas Ratio: 3.14%
101 Crain Hwy S, Glen Burnie, MD 21061
6 Month Certificate
$500
3.65% ▲ 0.84% above Maryland avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 0.50% → 3.65% ▲ 3.15 pts · high 3.65% / low 0.50%
0.00%3.40%6.80%Sep 14, 2026: 0.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20263.65%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Business) 6 Month
$0
3.65% ▲ 0.84% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.78%
Details

Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 12, 2026: 3.40% APYOct 4, 2026: 3.65% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20263.65%▲ from 3.40%
  • Sep 12, 20263.40%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 6-Month
$0
3.65% ▲ 0.84% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.78%
Details

Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 12, 2026: 3.40% APYOct 4, 2026: 3.65% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20263.65%▲ from 3.40%
  • Sep 12, 20263.40%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Certificates - 6 Month
$1,000
3.65% ▲ 0.84% above Maryland avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.78%
Details

Minimum deposit $1,000; certificate renews at a 6-month term unless otherwise requested; IRA certificates not eligible; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 15, 2026: 3.65% APYOct 15, 2026Oct 25, 2026
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1 South St, Baltimore, MD 21202
6 Month Regular CD
$500
3.65% ▲ 0.84% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 25, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA 6 Month Certificate
$500
3.62% ▲ 0.81% above Maryland avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.81%▲ 0.81% above avgNationally 2.78%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Oct 19, 2026 · 3.63% APY
3.13%3.63%4.13%Oct 19, 2026: 3.63% APYOct 19, 2026Oct 25, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
Certificate and Retirement Accounts - 6 Month
$1,000
3.61% ▲ 0.80% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average2.81%▲ 0.80% above avgNationally 2.78%
Details

Minimum balance to earn APY is the same as the required minimum opening balance

Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 14, 2026: 3.61% APYOct 14, 2026Oct 25, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
Share Certificate - 6 months
$0
3.61% ▲ 0.80% above Maryland avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.80% above avgNationally 2.78%
Details

Share Certificate APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.27% → 3.61% ▲ 0.34 pts · high 3.61% / low 3.27%
2.77%3.44%4.11%Sep 25, 2026: 3.27% APYOct 4, 2026: 3.61% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.61%▲ from 3.27%
  • Sep 25, 20263.27%first recorded
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
6 Month Certificate
$0
3.60% ▲ 0.79% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.79% above avgNationally 2.78%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
6 Month Jumbo Certificate
$0
3.60% ▲ 0.79% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.79% above avgNationally 2.78%
Details

Regular Certificate Accounts; Jumbo

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
6 Month Certificate
$0
3.55% ▲ 0.74% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.74% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.55%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
6 Month Share & IRA Share Certificates
$0
3.51% ▲ 0.70% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.70% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 13, 2026: 3.51% APYOct 13, 2026Oct 25, 2026
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
6 Month IRA Certificate
$0
3.50% ▲ 0.69% above Maryland avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.81%▲ 0.69% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 25, 2026

Maryland 12 Month CD Rates

MonitorBankRates Maryland Average · 12 Month CD3.28% APYUnchanged from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Maryland is 3.28% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA 12 Month Jumbo Certificate
$100,000
5.00% ▲ 1.72% above Maryland avg
View
▼
Rate4.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 1.72% above avgNationally 2.99%
Details

Jumbo certificate; cannot be opened online, visit any branch or call 1-800-877-6440; dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Oct 19, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 19, 2026: 5.00% APYOct 19, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
Share Certificate Special - 1 Year Certificate
$0
5.00% ▲ 1.72% above Maryland avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 1.72% above avgNationally 2.99%
Details

Requires Checking account, First Eagle debit card and monthly deposits of at least $100.00; deposit up to $100,000; funds must be new money to the Credit Union; no additional deposits after opening

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
1 Year Regular IRA Share Certificate
$500
4.95% ▲ 1.67% above Maryland avg
View
▼
Rate4.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 1.67% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 19, 2026: 4.95% APYOct 19, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 1 year
$500
4.95% ▲ 1.67% above Maryland avg
View
▼
Rate4.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 1.67% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 14, 2026: 4.95% APYOct 14, 2026Oct 25, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA 12 Month Certificate
$500
4.50% ▲ 1.22% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 1.22% above avgNationally 2.99%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Research Blvd, Rockville, MD 20850
12 Month Certificate
$0
4.50% ▲ 1.22% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 1.22% above avgNationally 2.99%
Details

Special Rate; Featured rate - see all rate specials

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
12 Month CD Online and In Branch
$500
4.46% ▲ 1.18% above Maryland avg
View
▼
Rate4.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 1.18% above avgNationally 2.99%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.46% ▲ 0.16 pts · high 4.46% / low 4.30%
3.80%4.38%4.96%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.46% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20264.46%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month CD
$1,000
4.45% ▲ 1.17% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 1.17% above avgNationally 2.99%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings

Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 8 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
Certificate of Deposit - 12 Months
$1,000
4.45% ▲ 1.17% above Maryland avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 14, 2026: 4.45% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.07% above Maryland avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 1.07% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Share Certificate - 12 months
$0
4.35% ▲ 1.07% above Maryland avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 1.07% above avgNationally 2.99%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.35%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 12-Month - Better Rewards
$0
4.35% ▲ 1.07% above Maryland avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 1.07% above avgNationally 2.99%
Details

Better Rewards Checking eligibility required at time of opening or renewing

Rate History
No change since Oct 12, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
12 Month Jumbo Certificates - Star Member
$0
4.35% ▲ 1.07% above Maryland avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 1.07% above avgNationally 2.99%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Oct 12, 2026: 4.00% APYOct 23, 2026: 4.35% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.35%▲ from 4.00%
  • Oct 12, 20264.00%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
312 Main St, Preston, MD 21655
12-Month CD
$1,000
4.30% ▲ 1.02% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.28%▲ 1.02% above avgNationally 2.99%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
12 Month Certificate - Star Member
$0
4.30% ▲ 1.02% above Maryland avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 1.02% above avgNationally 2.99%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Oct 12, 2026: 3.95% APYOct 23, 2026: 4.30% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.30%▲ from 3.95%
  • Oct 12, 20263.95%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
12 Month Jumbo Certificates
$0
4.30% ▲ 1.02% above Maryland avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 1.02% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 23, 2026: 4.30% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
Certificate of Deposit (CD) - 12 Months
$0
4.29% ▲ 1.01% above Maryland avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 1.01% above avgNationally 2.99%
Details

Rate History
6 changes since Sep 14, 2026 · 4.29% → 4.29% ▼ 0.00 pts · high 4.29% / low 4.25%
3.75%4.27%4.79%Sep 14, 2026: 4.29% APYSep 18, 2026: 4.25% APYSep 21, 2026: 4.29% APYSep 25, 2026: 4.25% APYSep 29, 2026: 4.29% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.29% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.29%▲ from 4.25%
  • Oct 5, 20264.25%▼ from 4.29%
  • Sep 29, 20264.29%▲ from 4.25%
  • Sep 25, 20264.25%▼ from 4.29%
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Share Certificate - 12 months Add-On
$0
4.25% ▲ 0.97% above Maryland avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 0.97% above avgNationally 2.99%
Details

Add-On; effective as of October 1, 2026

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
12 Month Share Certificates
$500
4.25% ▲ 0.97% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.97% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate - 12 Months
$500
4.25% ▲ 0.97% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.97% above avgNationally 2.99%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Oct 4, 2026: 4.30% APYOct 12, 2026: 4.25% APYOct 4, 2026Oct 25, 2026
  • Oct 12, 20264.25%▼ from 4.30%
  • Oct 4, 20264.30%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate - 12 Months
$500
4.25% ▲ 0.97% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.97% above avgNationally 2.99%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
12 Month Certificate
$0
4.25% ▲ 0.97% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.97% above avgNationally 2.99%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYOct 23, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
Certificate - 12 Month
$500
4.25% ▲ 0.97% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA 1 Year Starter Add-On Certificate
$0
4.25% ▲ 0.97% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 0.97% above avgNationally 2.99%
Details

Maximum Balance $1,000.00; Traditional, Roth & Coverdell Education; Rates Set: Monthly; Add funds at any time throughout the certificate term up to $1,000; Limit One Per Member Under 18 Years of Age; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
Certificate and Retirement Accounts - 12 Month
$1,000
4.18% ▲ 0.90% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.28%▲ 0.90% above avgNationally 2.99%
Details

Minimum balance to earn APY is the same as the required minimum opening balance

Rate History
No change since Oct 14, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 14, 2026: 4.18% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
12 Month TD Choice CD
$250
4.15% ▲ 0.87% above Maryland avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.28%▲ 0.87% above avgNationally 2.99%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
12 Month TD Choice CD
$250
4.14% ▲ 0.86% above Maryland avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.28%▲ 0.86% above avgNationally 2.99%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
12 Month Share Certificate
$500
4.13% ▲ 0.85% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.85% above avgNationally 2.99%
Details

Balance: $1M+

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate - 12 Months
$0
4.13% ▲ 0.85% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
12 Month Short-Term Certificate
$0
4.10% ▲ 0.82% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 0.82% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1305 S Salisbury Blvd, Salisbury, MD 21801 6845
Share Certificate - 12 Months
$500
4.10% ▲ 0.82% above Maryland avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.82% above avgNationally 2.99%
Details

Regular And IRA Share Certificates ($500 Minimum)

Rate History
1 change since Sep 17, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 17, 2026: 3.30% APYOct 23, 2026: 4.10% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.30%
  • Sep 17, 20263.30%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.82% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 0.82% above avgNationally 2.99%
Details

Maximum Balance $1,000; Add funds throughout the certificate term; Rates Set: Monthly; Limit One Per Member; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Young Saver's Certificates - 1 Year Add-On
$0
4.10% ▲ 0.82% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 0.82% above avgNationally 2.99%
Details

Balance: $1.00 - $1,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $1,000; Limit one per member under 18 years of age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificate - 12 Month
$0
4.07% ▲ 0.79% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.79% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 12 Month
$0
4.07% ▲ 0.79% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.79% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
3.45%4.01%4.57%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.07%▲ from 4.02%
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
12 Month Short-Term Certificate
$0
4.05% ▲ 0.77% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 0.77% above avgNationally 2.99%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
12 Month Easy Builder Long Term Certificate Account
$250
4.01% ▲ 0.73% above Maryland avg
View
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.73% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYOct 12, 2026: 4.01% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
12 Month Long Term Certificate Account
$0
4.01% ▲ 0.73% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.73% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYOct 12, 2026: 4.01% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 12 months
$500
4.01% ▲ 0.73% above Maryland avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.73% above avgNationally 2.99%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
1-year online CDs
$0
4.00% ▲ 0.72% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
12 Month 360 CD
$0
4.00% ▲ 0.72% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
12 Month EasyStart Certificate
$50
4.00% ▲ 0.72% above Maryland avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
5720 Silver Hill Rd, District Heights, MD 20747
12 Month IRA Certificate - Traditional or Roth
$500
4.00% ▲ 0.72% above Maryland avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1807 Rockville Pike, Rockville, MD 20852
1 Year IRA Certificate
$0
4.00% ▲ 0.72% above Maryland avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Balance: $100,000 to $249,999

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 25, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate 12 Months
$1,000
4.00% ▲ 0.72% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
890 Bestgate Rd, Annapolis, MD 21401
1-Year Term CD
$1,000
4.00% ▲ 0.72% above Maryland avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
890 Bestgate Rd, Annapolis, MD 21401
Term CD - 1-Year
$1,000
4.00% ▲ 0.72% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
12 Month Certificate
$0
3.91% ▲ 0.63% above Maryland avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.63% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.91% ▲ 0.12 pts · high 3.91% / low 3.79%
3.29%3.85%4.41%Sep 14, 2026: 3.79% APYOct 5, 2026: 3.86% APYOct 23, 2026: 3.91% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.91%▲ from 3.86%
  • Oct 5, 20263.86%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificate 12 Month
$0
3.91% ▲ 0.63% above Maryland avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.63% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 23, 2026: 3.91% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
YOUth Boost 12-Month Certificate
$0
3.91% ▲ 0.63% above Maryland avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.28%▲ 0.63% above avgNationally 2.99%
Details

Youth account

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.91% ▲ 0.12 pts · high 3.91% / low 3.79%
3.29%3.85%4.41%Sep 14, 2026: 3.79% APYOct 23, 2026: 3.91% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.91%▲ from 3.79%
  • Sep 14, 20263.79%first recorded

Maryland 18 Month CD Rates

MonitorBankRates Maryland Average · 18 Month CD3.18% APY▲ 0.05% from last weekNational 2.88%
View 18-month CD rate trend

The average 18-month CD rate in Maryland is 3.18% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Jumbo Certificates - Star Member
$0
4.65% ▲ 1.47% above Maryland avg
View
▼
Rate4.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 1.47% above avgNationally 2.88%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 4.65% APY · checked 3 times
4.15%4.65%5.15%Oct 12, 2026: 4.65% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Certificate - Star Member
$0
4.60% ▲ 1.42% above Maryland avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 1.42% above avgNationally 2.88%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
No change since Oct 12, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 12, 2026: 4.60% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Jumbo Certificates
$0
4.60% ▲ 1.42% above Maryland avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 1.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 4.60% APY · checked 8 times
4.10%4.60%5.10%Sep 21, 2026: 4.60% APYSep 21, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 18 month
$500
4.60% ▲ 1.42% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.18%▲ 1.42% above avgNationally 2.88%
Details

Auto-renews at next highest term unless withdrawn at maturity; not offered on IRAs

Rate History
No change since Oct 14, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 14, 2026: 4.60% APYOct 14, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Certificate
$0
4.55% ▲ 1.37% above Maryland avg
View
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 1.37% above avgNationally 2.88%
Details

Open Now

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 8 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
18 Month CD Online and In Branch
$500
4.50% ▲ 1.32% above Maryland avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.18%▲ 1.32% above avgNationally 2.88%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20264.50%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
Certificate of Deposit (CD) - 18 Months
$0
4.41% ▲ 1.23% above Maryland avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 1.23% above avgNationally 2.88%
Details

Rate History
6 changes since Sep 14, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 14, 2026: 4.41% APYSep 18, 2026: 4.35% APYSep 21, 2026: 4.41% APYSep 25, 2026: 4.35% APYSep 29, 2026: 4.41% APYOct 5, 2026: 4.35% APYOct 13, 2026: 4.41% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.41%▲ from 4.35%
  • Oct 5, 20264.35%▼ from 4.41%
  • Sep 29, 20264.41%▲ from 4.35%
  • Sep 25, 20264.35%▼ from 4.41%
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
312 Main St, Preston, MD 21655
18-Month CD
$1,000
4.40% ▲ 1.22% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.18%▲ 1.22% above avgNationally 2.88%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Month CD
$1,000
4.35% ▲ 1.17% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.18%▲ 1.17% above avgNationally 2.88%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
Certificate of Deposit - 18 Months
$1,000
4.35% ▲ 1.17% above Maryland avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.18%▲ 1.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
18 Month Share Certificates
$500
4.30% ▲ 1.12% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 1.12% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
3.04%3.99%4.93%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.30%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate - 18 Months
$500
4.30% ▲ 1.12% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 1.12% above avgNationally 2.88%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Oct 4, 2026: 4.35% APYOct 12, 2026: 4.30% APYOct 4, 2026Oct 25, 2026
  • Oct 12, 20264.30%▼ from 4.35%
  • Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate - 18 Months
$500
4.30% ▲ 1.12% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 1.12% above avgNationally 2.88%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 4, 2026: 4.30% APYOct 4, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
18 Month TD Choice CD
$250
4.25% ▲ 1.07% above Maryland avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.18%▲ 1.07% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
18 Month TD Choice CD
$250
4.24% ▲ 1.06% above Maryland avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.18%▲ 1.06% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
Certificate and Retirement Accounts - 18 Month
$1,000
4.24% ▲ 1.06% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.18%▲ 1.06% above avgNationally 2.88%
Details

Minimum balance to earn APY is the same as the required minimum opening balance

Rate History
No change since Oct 14, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 14, 2026: 4.24% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
18 Month Short-Term Certificate
$0
4.15% ▲ 0.97% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.18%▲ 0.97% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
18 Month Short-Term Certificate
$0
4.10% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.18%▲ 0.92% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
975 E Pulaski Hwy, Elkton, MD 21921 6357
18 Month IRA/ESA Certificate
$0
4.07% ▲ 0.89% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.89% above avgNationally 2.88%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 15, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 15, 2026: 4.07% APYOct 15, 2026Oct 25, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
975 E Pulaski Hwy, Elkton, MD 21921 6357
18 Month Regular Certificate
$0
4.07% ▲ 0.89% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.89% above avgNationally 2.88%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 25, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate 18 Months
$1,000
4.00% ▲ 0.82% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA 18 Month Certificate
$500
4.00% ▲ 0.82% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.18%▲ 0.82% above avgNationally 2.88%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
103 W Main St, Sharpsburg, MD 21782
Business Certificate of Deposit - 18 Months
$500
3.96% ▲ 0.78% above Maryland avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.18%▲ 0.78% above avgNationally 2.88%
Details

Interest rate fixed for specified term; penalty for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1200 N Main St, Hampstead, MD 21074
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.67% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.18%▲ 0.67% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1200 N Main St, Hampstead, MD 21074
18-Month M&T Select CD
$1,000
3.85% ▲ 0.67% above Maryland avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.18%▲ 0.67% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 18 Months
$500
3.80% ▲ 0.62% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.62% above avgNationally 2.88%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 25, 2026
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
1304 E Churchville Rd, Bel Air, MD 21014
18-Month Share and IRA Certificate Special
$300
3.80% ▲ 0.62% above Maryland avg
View
▼
RateN/A
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.62% above avgNationally 2.88%
Details

Regular Certificate Specials; Fees could reduce earnings; early withdrawal penalty applies; Upon maturity renews to a 52-Week Regular Share or IRA Certificate

Rate History
1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 12, 2026: 3.55% APYOct 4, 2026: 3.80% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20263.80%▲ from 3.55%
  • Sep 12, 20263.55%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5260 Western Ave, Chevy Chase, MD 20815
18 Month CD Specials - Regular
$0
3.80% ▲ 0.62% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.18%▲ 0.62% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5260 Western Ave, Chevy Chase, MD 20815
18 Month CD Specials - Rewards
$0
3.80% ▲ 0.62% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.18%▲ 0.62% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5260 Western Ave, Chevy Chase, MD 20815
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 0.62% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.18%▲ 0.62% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5260 Western Ave, Chevy Chase, MD 20815
18 Month IRA CD Specials - Rewards
$0
3.80% ▲ 0.62% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.18%▲ 0.62% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
5260 Western Ave, Chevy Chase, MD 20815
IRA CD Specials - 18-month term
$0
3.80% ▲ 0.62% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.18%▲ 0.62% above avgNationally 2.88%
Details

Rewards APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
14316 National Hwy SW, LaVale, MD 21502
Share Certificate - 18 Months
$500
3.75% ▲ 0.57% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.57% above avgNationally 2.88%
Details

Minimum Deposit $500

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 25, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 18-Month - Better Rewards
$0
3.75% ▲ 0.57% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.57% above avgNationally 2.88%
Details

Better Rewards Checking eligibility required at time of opening or renewing

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
Certificate - 18 Month
$500
3.75% ▲ 0.57% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.18%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
18 Month EasyStart Certificate
$50
3.70% ▲ 0.52% above Maryland avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.18%▲ 0.52% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
333 E Main St, Hancock, MD 21750
18 Month CD
$500
3.70% ▲ 0.52% above Maryland avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.18%▲ 0.52% above avgNationally 2.88%
Details

All CDs require a $500 minimum deposit to open; Interest is compounded daily

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 25, 2026
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
18 Month Certificate
$250
3.70% ▲ 0.52% above Maryland avg
View
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.52% above avgNationally 2.88%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Oct 22, 2026: 3.35% APYOct 23, 2026: 3.70% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20263.70%▲ from 3.35%
  • Oct 22, 20263.35%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
Certificate - 18 Months
$250
3.70% ▲ 0.52% above Maryland avg
View
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.52% above avgNationally 2.88%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Oct 22, 2026: 3.35% APYOct 23, 2026: 3.70% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20263.70%▲ from 3.35%
  • Oct 22, 20263.35%first recorded
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
18 Month IRA Variable-Rate Certificate
$50
3.66% ▲ 0.48% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.48% above avgNationally 2.88%
Details

Variable-Rate; dividends compounded and credited monthly; effective as of September 23, 2026

Rate History
No change since Oct 23, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 25, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Variable-Rate Certificate - 18-month term
$50
3.66% ▲ 0.48% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.48% above avgNationally 2.88%
Details

Variable-Rate Certificate; Min. to Earn APY: $50; dividends compounded and credited monthly

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 25, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
12820 Wisteria Dr, Germantown, MD 20874 2627
18 Month Regular & IRA Accumulator Certificates
$0
3.65% ▲ 0.47% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.47% above avgNationally 2.88%
Details

Minimum Balance to earn APY: $250.00

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 10 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificate - 18 Months
$0
3.64% ▲ 0.46% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.07% → 3.64% ▲ 0.57 pts · high 3.64% / low 3.07%
2.50%3.36%4.21%Sep 14, 2026: 3.07% APYOct 23, 2026: 3.64% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.64%▲ from 3.07%
  • Sep 14, 20263.07%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
Share Certificates - 18 Months
$0
3.64% ▲ 0.46% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.46% above avgNationally 2.88%
Details

Rate History
1 change since Oct 13, 2026 · 3.07% → 3.64% ▲ 0.57 pts · high 3.64% / low 3.07%
2.50%3.36%4.21%Oct 13, 2026: 3.07% APYOct 23, 2026: 3.64% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.64%▲ from 3.07%
  • Oct 13, 20263.07%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5424 Western Ave, Chevy Chase, MD 20815
18 Month 360 CD
$0
3.60% ▲ 0.42% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.18%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
Certificates of Deposit - 18 Month
$500
3.60% ▲ 0.42% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average3.18%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate
$0
3.60% ▲ 0.42% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.42% above avgNationally 2.88%
Details

Balance: $250,000.01+; Dividend Earnings: $13,849.82; Dividend Earnings based on minimum tier balance; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 5, 2026: 3.60% APYOct 5, 2026Oct 25, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
Certificate - 18 Months - Preferred
$500
3.55% ▲ 0.37% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.37% above avgNationally 2.88%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 12, 2026: 3.50% APYOct 23, 2026: 3.55% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20263.55%▲ from 3.50%
  • Oct 12, 20263.50%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
Business Certificates - 18 Months
$0
3.55% ▲ 0.37% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.37% above avgNationally 2.88%
Details

Balance: $1,000.00

Rate History
1 change since Oct 13, 2026 · 3.09% → 3.55% ▲ 0.46 pts · high 3.55% / low 3.09%
2.59%3.32%4.05%Oct 13, 2026: 3.09% APYOct 23, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.55%▲ from 3.09%
  • Oct 13, 20263.09%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
18 Month Share Certificate
$0
3.55% ▲ 0.37% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.18%▲ 0.37% above avgNationally 2.88%
Details

Balance: $100,000-$250,000; Dividend Earnings: $5,461.04; Dividend Earnings based on minimum tier balance; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 25, 2026

Maryland 24 Month CD Rates

MonitorBankRates Maryland Average · 24 Month CD3.03% APY▲ 0.03% from last weekNational 2.90%
View 24-month CD rate trend

The average 24-month CD rate in Maryland is 3.03% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
2 Year Regular IRA Share Certificate
$500
5.20% ▲ 2.17% above Maryland avg
View
▼
Rate5.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.03%▲ 2.17% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 5.20% APY
4.70%5.20%5.70%Oct 19, 2026: 5.20% APYOct 19, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 2 year
$500
5.20% ▲ 2.17% above Maryland avg
View
▼
Rate5.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.03%▲ 2.17% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 5.20% APY · checked 2 times
4.70%5.20%5.70%Oct 14, 2026: 5.20% APYOct 14, 2026Oct 25, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
15201 Diamondback Dr, Rockville, MD 20850 3312
Certificate of Deposit (CD) - 24 Months
$0
4.52% ▲ 1.49% above Maryland avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.49% above avgNationally 2.90%
Details

Rate History
6 changes since Sep 14, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
3.95%4.48%5.02%Sep 14, 2026: 4.52% APYSep 18, 2026: 4.45% APYSep 21, 2026: 4.52% APYSep 25, 2026: 4.45% APYSep 29, 2026: 4.52% APYOct 5, 2026: 4.45% APYOct 13, 2026: 4.52% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20264.52%▲ from 4.45%
  • Oct 5, 20264.45%▼ from 4.52%
  • Sep 29, 20264.52%▲ from 4.45%
  • Sep 25, 20264.45%▼ from 4.52%
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Share Certificate - 24 months
$0
4.40% ▲ 1.37% above Maryland avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.03%▲ 1.37% above avgNationally 2.90%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 Month CD
$1,000
4.35% ▲ 1.32% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.90%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
Certificate of Deposit - 24 Months
$1,000
4.35% ▲ 1.32% above Maryland avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
24 Month Share Certificates
$500
4.35% ▲ 1.32% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
2.99%4.01%5.03%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.35%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate - 24 Months
$500
4.35% ▲ 1.32% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.90%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate - 24 Months
$500
4.35% ▲ 1.32% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.90%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
24 Month TD Choice CD
$250
4.30% ▲ 1.27% above Maryland avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.03%▲ 1.27% above avgNationally 2.90%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate
$0
4.30% ▲ 1.27% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.27% above avgNationally 2.90%
Details

Balance: $250,000.01+; Dividend Earnings: $24,409.71; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8211 Annapolis Rd, Hyattsville, MD 20784
24 Month TD Choice CD
$250
4.29% ▲ 1.26% above Maryland avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.03%▲ 1.26% above avgNationally 2.90%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
24 Month Certificate
$0
4.25% ▲ 1.22% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Featured certificate rate from the Certificates section banner; certificates require a $1,000 minimum to open. Full certificate rate table not in source content.

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 25, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate 24 Months
$1,000
4.25% ▲ 1.22% above Maryland avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate
$0
4.25% ▲ 1.22% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Balance: $100,000-$250,000; Dividend Earnings: $8,855.36; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Jumbo Certificates - Star Member
$0
4.20% ▲ 1.17% above Maryland avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.17% above avgNationally 2.90%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
3.45%4.08%4.70%Oct 12, 2026: 3.95% APYOct 23, 2026: 4.20% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 3.95%
  • Oct 12, 20263.95%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate
$0
4.20% ▲ 1.17% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.17% above avgNationally 2.90%
Details

Balance: $10,000-$24,999; Dividend Earnings: $874.69; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Certificate - Star Member
$0
4.15% ▲ 1.12% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.12% above avgNationally 2.90%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Oct 12, 2026: 3.90% APYOct 23, 2026: 4.15% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.15%▲ from 3.90%
  • Oct 12, 20263.90%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Jumbo Certificates
$0
4.15% ▲ 1.12% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.12% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 21, 2026: 3.90% APYOct 23, 2026: 4.15% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20264.15%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
24 Month Share Certificate
$500
4.13% ▲ 1.10% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.10% above avgNationally 2.90%
Details

Balance: $1M+

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate - 24 Months
$0
4.13% ▲ 1.10% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.10% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
Share Certificate - 24 months
$0
4.12% ▲ 1.09% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.09% above avgNationally 2.90%
Details

Share Certificate APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.59% → 4.12% ▲ 0.53 pts · high 4.12% / low 3.59%
3.06%3.86%4.65%Sep 25, 2026: 3.59% APYOct 4, 2026: 4.12% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.12%▲ from 3.59%
  • Sep 25, 20263.59%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificate - 24 Month
$0
4.12% ▲ 1.09% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.09% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 24 Month
$0
4.12% ▲ 1.09% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.09% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
3.46%4.04%4.62%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Certificate
$0
4.10% ▲ 1.07% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.07% above avgNationally 2.90%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 23, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
24 Month Share Certificate
$0
4.10% ▲ 1.07% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.07% above avgNationally 2.90%
Details

Balance: $1,000-$9,999; Dividend Earnings: $85.30; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 25, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 24 Months
$500
4.06% ▲ 1.03% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 1.03% above avgNationally 2.90%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular CD - 24 Months
$500
4.00% ▲ 0.97% above Maryland avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 24-Month - Better Rewards
$0
4.00% ▲ 0.97% above Maryland avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Better Rewards Checking eligibility required at time of opening or renewing

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA 24 Month Certificate
$500
4.00% ▲ 0.97% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
24 Month Certificate
$0
3.97% ▲ 0.94% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.94% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 14, 2026 · 3.80% → 3.97% ▲ 0.17 pts · high 3.97% / low 3.80%
3.30%3.89%4.47%Sep 14, 2026: 3.80% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificate 24 Month
$0
3.97% ▲ 0.94% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.94% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
24 Month Certificate
$250
3.90% ▲ 0.87% above Maryland avg
View
▼
Rate3.84%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
2.95%3.68%4.40%Oct 22, 2026: 3.45% APYOct 23, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20263.90%▲ from 3.45%
  • Oct 22, 20263.45%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
Certificate - 24 Months
$250
3.90% ▲ 0.87% above Maryland avg
View
▼
Rate3.84%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
2.95%3.68%4.40%Oct 22, 2026: 3.45% APYOct 23, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20263.90%▲ from 3.45%
  • Oct 22, 20263.45%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
24 Month Share Certificate
$500
3.87% ▲ 0.84% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.84% above avgNationally 2.90%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 10 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
24 Month Share & IRA Share Certificates
$0
3.82% ▲ 0.79% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.79% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate - 1 1/2 Year Certificate
$0
3.81% ▲ 0.78% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.03%▲ 0.78% above avgNationally 2.90%
Details

Rates effective 10/1/26

Rate History
No change since Oct 14, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 14, 2026: 3.81% APYOct 14, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate - 2 1/2 Year Certificate
$0
3.81% ▲ 0.78% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.03%▲ 0.78% above avgNationally 2.90%
Details

Rates effective 10/1/26

Rate History
No change since Oct 14, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 14, 2026: 3.81% APYOct 14, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate - 2 Year Certificate
$0
3.81% ▲ 0.78% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.03%▲ 0.78% above avgNationally 2.90%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 24-month
$10,000
3.80% ▲ 0.77% above Maryland avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
24 Month Long Term Certificate Account
$0
3.80% ▲ 0.77% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 24 months
$500
3.80% ▲ 0.77% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.77% above avgNationally 2.90%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 25, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
IRA Certificate - 24 months
$0
3.76% ▲ 0.73% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.73% above avgNationally 2.90%
Details

IRA Certificate Rates; Dividend Rate 3.70%; compounded daily and credited monthly

Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Oct 15, 2026: 3.76% APYOct 15, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificate - 24-month
$10,000
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates - 24-month
$1,000
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Rising Rate (CDs + IRAs) - 24 Months
$10,000
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Minimum to open for IRAs: $10,000.00

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 24, 2026: 3.25% APYOct 20, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.75%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
14316 National Hwy SW, LaVale, MD 21502
Share Certificate - 24 Months
$0
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Balance: $500+; Minimum Deposit $500+

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 25, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Certificates - 24 Month
$1,000
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Minimum deposit $1,000; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 25, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
Certificate - 24 Month
$500
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Certificate - 2-year term
$500
3.71% ▲ 0.68% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.03%▲ 0.68% above avgNationally 2.90%
Details

Dividend rate 3.65%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026

Rate History
No change since Oct 23, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 23, 2026: 3.71% APYOct 23, 2026Oct 25, 2026

Maryland 36 Month CD Rates

MonitorBankRates Maryland Average · 36 Month CD3.00% APY▼ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Maryland is 3.00% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
3 Year Regular IRA Share Certificate
$500
4.80% ▲ 1.80% above Maryland avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.80% APY
4.30%4.80%5.30%Oct 19, 2026: 4.80% APYOct 19, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 3 year
$500
4.80% ▲ 1.80% above Maryland avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 14, 2026: 4.80% APYOct 14, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
4.59% ▲ 1.59% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.59% above avgNationally 2.81%
Details

Balance: $1M+

Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 3 times
4.09%4.59%5.09%Oct 13, 2026: 4.59% APYOct 13, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate - 36 Months
$0
4.59% ▲ 1.59% above Maryland avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.59% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 3 times
4.09%4.59%5.09%Oct 13, 2026: 4.59% APYOct 13, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate
$0
4.50% ▲ 1.50% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.50% above avgNationally 2.81%
Details

Balance: $250,000.01+; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 25, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Share Certificate - 36 months
$0
4.45% ▲ 1.45% above Maryland avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 1.45% above avgNationally 2.81%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 18, 2026: 4.15% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.45%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate
$0
4.45% ▲ 1.45% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.45% above avgNationally 2.81%
Details

Balance: $100,000-$250,000; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 25, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
36 Month CD Online and In Branch
$500
4.40% ▲ 1.40% above Maryland avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 1.40% above avgNationally 2.81%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate
$0
4.40% ▲ 1.40% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.40% above avgNationally 2.81%
Details

Balance: $10,000-$24,999; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
36 Month Share Certificates
$500
4.35% ▲ 1.35% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.35% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate - 36 Months
$500
4.35% ▲ 1.35% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.35% above avgNationally 2.81%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate - 36 Months
$500
4.35% ▲ 1.35% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.35% above avgNationally 2.81%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
4.33% ▲ 1.33% above Maryland avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.33% above avgNationally 2.81%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 10 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
36 Month Share Certificate
$0
4.30% ▲ 1.30% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.30% above avgNationally 2.81%
Details

Balance: $1,000-$9,999; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular CD - 36 Months
$500
4.25% ▲ 1.25% above Maryland avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average3.00%▲ 1.25% above avgNationally 2.81%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
36 Month Jumbo Certificates - Star Member
$0
4.25% ▲ 1.25% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.25% above avgNationally 2.81%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Oct 12, 2026: 3.70% APYOct 23, 2026: 4.25% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.25%▲ from 3.70%
  • Oct 12, 20263.70%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA 36 Month Certificate
$500
4.25% ▲ 1.25% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.25% above avgNationally 2.81%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
Share Certificate - 36 months
$0
4.23% ▲ 1.23% above Maryland avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.23% above avgNationally 2.81%
Details

Share Certificate APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.66% → 4.23% ▲ 0.57 pts · high 4.23% / low 3.66%
3.09%3.95%4.80%Sep 25, 2026: 3.66% APYOct 4, 2026: 4.23% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.23%▲ from 3.66%
  • Sep 25, 20263.66%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
36 Month Certificate - Star Member
$0
4.20% ▲ 1.20% above Maryland avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.20% above avgNationally 2.81%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.65% → 4.20% ▲ 0.55 pts · high 4.20% / low 3.65%
3.10%3.93%4.75%Oct 12, 2026: 3.65% APYOct 23, 2026: 4.20% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 3.65%
  • Oct 12, 20263.65%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
36 Month Jumbo Certificates
$0
4.20% ▲ 1.20% above Maryland avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.20% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.20% ▲ 0.55 pts · high 4.20% / low 3.65%
3.10%3.93%4.75%Sep 21, 2026: 3.65% APYOct 23, 2026: 4.20% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificate - 36 Month
$0
4.17% ▲ 1.17% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.17% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 36 Month
$0
4.17% ▲ 1.17% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.17% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
4 changes since Sep 14, 2026 · 3.91% → 4.17% ▲ 0.26 pts · high 4.17% / low 3.91%
3.41%4.04%4.67%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYOct 23, 2026: 4.17% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.17%▲ from 4.12%
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
3 Year Long-Term Certificate
$0
4.15% ▲ 1.15% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 1.15% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
36 Month Certificate
$0
4.15% ▲ 1.15% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.15% above avgNationally 2.81%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
3.05%3.88%4.70%Sep 14, 2026: 3.60% APYOct 23, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.15%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Young Saver's Certificates - 3 Years Add-On
$0
4.15% ▲ 1.15% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.15% above avgNationally 2.81%
Details

Balance: $1.00 - $3,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $3,000; Limit one per member under 18 years of age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
3 Year Long-Term Certificate
$0
4.10% ▲ 1.10% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 1.10% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
5720 Silver Hill Rd, District Heights, MD 20747
36 Month IRA Certificate - Traditional or Roth
$2,000
4.10% ▲ 1.10% above Maryland avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.10% above avgNationally 2.81%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
40 W Plaza, Catonsville, MD 21228
Certificates - (Share, IRA, HSA) - 36-Month - Better Rewards
$0
4.10% ▲ 1.10% above Maryland avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.10% above avgNationally 2.81%
Details

Better Rewards Checking eligibility required at time of opening or renewing

Rate History
No change since Oct 12, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 25, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 36 Months
$500
4.06% ▲ 1.06% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.06% above avgNationally 2.81%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
36 Month Certificate
$0
4.02% ▲ 1.02% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.02% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
3.26%3.89%4.52%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 23, 2026: 4.02% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.02%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificate 36 Month
$0
4.02% ▲ 1.02% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.02% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 25, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate 36 Months
$1,000
4.00% ▲ 1.00% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
36 Month Certificate
$250
4.00% ▲ 1.00% above Maryland avg
View
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.00% above avgNationally 2.81%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 22, 2026: 3.50% APYOct 23, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.50%
  • Oct 22, 20263.50%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
Certificate - 36 Months
$250
4.00% ▲ 1.00% above Maryland avg
View
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.00% above avgNationally 2.81%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 22, 2026: 3.50% APYOct 23, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.50%
  • Oct 22, 20263.50%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
Certificate - 36 Month
$500
4.00% ▲ 1.00% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
3.92% ▲ 0.92% above Maryland avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.92% above avgNationally 2.81%
Details

Balance: $100,000 - $249,999

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Sep 14, 2026: 3.87% APYOct 5, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.92%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
36 Month Share & IRA Share Certificates
$0
3.87% ▲ 0.87% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.87% above avgNationally 2.81%
Details

36 Month Share Certificates have a 1 time step-up feature

Rate History
No change since Oct 13, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
36 Month Share Certificate
$500
3.87% ▲ 0.87% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.87% above avgNationally 2.81%
Details

Balance: $500 - $99,999

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
3.32%3.84%4.37%Sep 14, 2026: 3.82% APYOct 5, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.87%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate - 3 Year Certificate
$0
3.81% ▲ 0.81% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 0.81% above avgNationally 2.81%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 36-month
$10,000
3.80% ▲ 0.80% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.80% above avgNationally 2.81%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
36 Month Long Term Certificate Account
$0
3.80% ▲ 0.80% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.80% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 36 months
$500
3.80% ▲ 0.80% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.80% above avgNationally 2.81%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificate - 36-month
$10,000
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates - 36-month
$1,000
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
Certificate of Deposit - 36 Months
$1,000
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
IRA Certificate - 36 Months
$0
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.02% → 3.75% ▲ 0.73 pts · high 3.75% / low 3.02%
2.29%3.39%4.48%Sep 14, 2026: 3.02% APYOct 23, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.02%
  • Sep 14, 20263.02%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
5210 Chairmans Ct, FREDERICK, MD 21703
Share Certificates - 36 Months
$0
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Rate History
1 change since Oct 13, 2026 · 3.02% → 3.75% ▲ 0.73 pts · high 3.75% / low 3.02%
2.29%3.39%4.48%Oct 13, 2026: 3.02% APYOct 23, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.02%
  • Oct 13, 20263.02%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Certificates - 36 Month
$1,000
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Minimum deposit $1,000; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 25, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Jumbo CD
$10,000
3.75% ▲ 0.75% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Compounded & Credited: Monthly; Jumbo CD; APY accurate as of October 18, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Standard CD
$500
3.75% ▲ 0.75% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Compounded & Credited: Monthly; APY accurate as of October 18, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026

Maryland 48 Month CD Rates

MonitorBankRates Maryland Average · 48 Month CD2.92% APY▼ 0.03% from last weekNational 2.81%
View 48-month CD rate trend

The average 48-month CD rate in Maryland is 2.92% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo Share Certificate
$20,000
5.00% ▲ 2.08% above Maryland avg
View
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.92%▲ 2.08% above avgNationally 2.81%
Details

Mini-Jumbo Share Certificates; early withdrawal penalty applies before maturity

Rate History
No change since Oct 19, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 19, 2026: 5.00% APYOct 19, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificates - 4 year Mini-Jumbo
$20,000
5.00% ▲ 2.08% above Maryland avg
View
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.92%▲ 2.08% above avgNationally 2.81%
Details

IRA; Minimum to Open: $20,000

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
4 Year Regular IRA Share Certificate
$500
4.85% ▲ 1.93% above Maryland avg
View
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.92%▲ 1.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.85% APY
4.35%4.85%5.35%Oct 19, 2026: 4.85% APYOct 19, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 4 year
$500
4.85% ▲ 1.93% above Maryland avg
View
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.92%▲ 1.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 14, 2026: 4.85% APYOct 14, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate
$0
4.60% ▲ 1.68% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.68% above avgNationally 2.81%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 5 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate
$0
4.55% ▲ 1.63% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.63% above avgNationally 2.81%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 5 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 25, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Share Certificate - 48 months
$0
4.50% ▲ 1.58% above Maryland avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.92%▲ 1.58% above avgNationally 2.81%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate
$0
4.50% ▲ 1.58% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.58% above avgNationally 2.81%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
48 Month Share Certificate
$0
4.40% ▲ 1.48% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.48% above avgNationally 2.81%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
48 Month Share Certificates
$500
4.35% ▲ 1.43% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.43% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate - 48 Months
$500
4.35% ▲ 1.43% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.43% above avgNationally 2.81%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate - 48 Months
$500
4.35% ▲ 1.43% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.43% above avgNationally 2.81%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
4 Year Bump-Up Share Certificate
$5,000
4.35% ▲ 1.43% above Maryland avg
View
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.92%▲ 1.43% above avgNationally 2.81%
Details

Owners of Bump-Up Certificates may change the dividend rate once during the term; Withdrawal before maturity incurs early withdrawal penalty

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 18, 2026: 3.90% APYOct 19, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.35%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Bump-Up IRA Share Certificates - 4 year Bump-Up
$5,000
4.35% ▲ 1.43% above Maryland avg
View
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.92%▲ 1.43% above avgNationally 2.81%
Details

Owners may change the dividend rate once during the term; early withdrawal penalty applies before maturity

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
Share Certificate - 48 months
$0
4.27% ▲ 1.35% above Maryland avg
View
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.35% above avgNationally 2.81%
Details

Share Certificate APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.70% → 4.27% ▲ 0.57 pts · high 4.27% / low 3.70%
3.13%3.99%4.84%Sep 25, 2026: 3.70% APYOct 4, 2026: 4.27% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.27%▲ from 3.70%
  • Sep 25, 20263.70%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
48 Month Share Certificate
$500
4.13% ▲ 1.21% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.21% above avgNationally 2.81%
Details

Balance: $1M+

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate - 48 Months
$0
4.13% ▲ 1.21% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.21% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificate - 48 Month
$0
4.12% ▲ 1.20% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.20% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 48 Month
$0
4.12% ▲ 1.20% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.20% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
3.41%4.02%4.62%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 48 Months
$500
4.06% ▲ 1.14% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.14% above avgNationally 2.81%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Jumbo Certificates - Star Member
$0
4.05% ▲ 1.13% above Maryland avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.13% above avgNationally 2.81%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Oct 12, 2026: 3.75% APYOct 23, 2026: 4.05% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.05%▲ from 3.75%
  • Oct 12, 20263.75%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
48 Month Certificate
$250
4.05% ▲ 1.13% above Maryland avg
View
▼
Rate3.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.13% above avgNationally 2.81%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Oct 22, 2026: 3.55% APYOct 23, 2026: 4.05% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.05%▲ from 3.55%
  • Oct 22, 20263.55%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
Certificate - 48 Months
$250
4.05% ▲ 1.13% above Maryland avg
View
▼
Rate3.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.13% above avgNationally 2.81%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Oct 22, 2026: 3.55% APYOct 23, 2026: 4.05% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.05%▲ from 3.55%
  • Oct 22, 20263.55%first recorded
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate 48 Months
$1,000
4.00% ▲ 1.08% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Certificate - Star Member
$0
4.00% ▲ 1.08% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Oct 12, 2026: 3.70% APYOct 23, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.70%
  • Oct 12, 20263.70%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Jumbo Certificates
$0
4.00% ▲ 1.08% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 21, 2026: 3.70% APYOct 23, 2026: 4.00% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.70%
  • Sep 21, 20263.70%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
48 Month Certificate
$0
3.97% ▲ 1.05% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.05% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificate 48 Month
$0
3.97% ▲ 1.05% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.05% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Certificate
$0
3.95% ▲ 1.03% above Maryland avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.03% above avgNationally 2.81%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
3.15%3.80%4.45%Sep 14, 2026: 3.65% APYOct 23, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.95%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
48 Month Share & IRA Share Certificates
$0
3.92% ▲ 1.00% above Maryland avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
48 Month Share Certificate
$500
3.87% ▲ 0.95% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.95% above avgNationally 2.81%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 10 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate - 4 Year Certificate
$0
3.81% ▲ 0.89% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.92%▲ 0.89% above avgNationally 2.81%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 48-month
$10,000
3.80% ▲ 0.88% above Maryland avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
48 Month Long Term Certificate Account
$0
3.80% ▲ 0.88% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 48 months
$500
3.80% ▲ 0.88% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.88% above avgNationally 2.81%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificate - 48-month
$10,000
3.75% ▲ 0.83% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates - 48-month
$1,000
3.75% ▲ 0.83% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
Certificate of Deposit - 48 Months
$1,000
3.75% ▲ 0.83% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular CD - 48 Months
$500
3.75% ▲ 0.83% above Maryland avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
Certificate - 48 Months - Preferred
$500
3.75% ▲ 0.83% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Oct 12, 2026: 3.35% APYOct 23, 2026: 3.75% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.35%
  • Oct 12, 20263.35%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Certificates - 48 Month
$1,000
3.75% ▲ 0.83% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Minimum deposit $1,000; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Fixed Rate Share Certificate - 48-month
$1,000
3.70% ▲ 0.78% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.92%▲ 0.78% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Raise Your Rate Share Certificate - 48 Month
$1,000
3.70% ▲ 0.78% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average2.92%▲ 0.78% above avgNationally 2.81%
Details

Raise Your Rate; up to three rate raises allowed; first raise available after six months; must maintain $1,000 balance to earn APY

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
Certificate of Deposit - 48 Months
$1,000
3.69% ▲ 0.77% above Maryland avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average2.92%▲ 0.77% above avgNationally 2.81%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.69% APY
3.19%3.69%4.19%Oct 22, 2026: 3.69% APYOct 22, 2026Oct 25, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Certificate - 4-year term
$500
3.61% ▲ 0.69% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.69% above avgNationally 2.81%
Details

Dividend rate 3.55%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026

Rate History
No change since Oct 23, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 23, 2026: 3.61% APYOct 23, 2026Oct 25, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate - 4-year term
$500
3.61% ▲ 0.69% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.69% above avgNationally 2.81%
Details

Dividend rate 3.55%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026

Rate History
No change since Sep 25, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 25, 2026: 3.61% APYSep 25, 2026Oct 25, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 48 months
$500
3.60% ▲ 0.68% above Maryland avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average2.92%▲ 0.68% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
2.90%3.50%4.10%Sep 18, 2026: 3.40% APYOct 1, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20263.60%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
Certificate of Deposit - 48 Months
$1,000
3.59% ▲ 0.67% above Maryland avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average2.92%▲ 0.67% above avgNationally 2.81%
Details

Balance: Under $100,000; Minimum of $1,000 to open account; Rates effective 10/21/2026

Rate History
No change since Oct 22, 2026 · 3.59% APY
3.09%3.59%4.09%Oct 22, 2026: 3.59% APYOct 22, 2026Oct 25, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
122 W Union St, Cumberland, MD 21502
48 Month IRA Share Certificate
$500
3.56% ▲ 0.64% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
122 W Union St, Cumberland, MD 21502
48 Month Share Certificate
$500
3.56% ▲ 0.64% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded

Maryland 60 Month CD Rates

MonitorBankRates Maryland Average · 60 Month CD3.00% APY▲ 0.02% from last weekNational 2.92%
View 60-month CD rate trend

The average 60-month CD rate in Maryland is 3.00% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo Share Certificate
$20,000
5.05% ▲ 2.05% above Maryland avg
View
▼
Rate4.93%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 2.05% above avgNationally 2.92%
Details

Mini-Jumbo Share Certificates; early withdrawal penalty applies before maturity

Rate History
No change since Oct 19, 2026 · 5.05% APY
4.55%5.05%5.55%Oct 19, 2026: 5.05% APYOct 19, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Mini-Jumbo IRA Share Certificates - 5 year Mini-Jumbo
$20,000
5.05% ▲ 2.05% above Maryland avg
View
▼
Rate4.93%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 2.05% above avgNationally 2.92%
Details

IRA; Minimum to Open: $20,000

Rate History
No change since Oct 14, 2026 · 5.05% APY · checked 2 times
4.55%5.05%5.55%Oct 14, 2026: 5.05% APYOct 14, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
5 Year Regular IRA Share Certificate
$500
4.90% ▲ 1.90% above Maryland avg
View
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.90% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 4.90% APY
4.40%4.90%5.40%Oct 19, 2026: 4.90% APYOct 19, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates - 5 year
$500
4.90% ▲ 1.90% above Maryland avg
View
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.90% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 14, 2026: 4.90% APYOct 14, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate
$0
4.60% ▲ 1.60% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.60% above avgNationally 2.92%
Details

Balance: $250,000.01 and over; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 25, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Share Certificate - 60 months
$0
4.55% ▲ 1.55% above Maryland avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 1.55% above avgNationally 2.92%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28%
3.78%4.42%5.05%Sep 18, 2026: 4.28% APYSep 27, 2026: 4.55% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.55%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate
$0
4.55% ▲ 1.55% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.55% above avgNationally 2.92%
Details

Balance: $100,000-$250,000; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 13, 2026: 4.55% APYOct 13, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
60 Month Share Certificates
$500
4.50% ▲ 1.50% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.50% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate - 60 Months
$500
4.50% ▲ 1.50% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.50% above avgNationally 2.92%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate - 60 Months
$500
4.50% ▲ 1.50% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.50% above avgNationally 2.92%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate
$0
4.50% ▲ 1.50% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.50% above avgNationally 2.92%
Details

Balance: $10,000-$24,999; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
60 Month CD Online and In Branch
$500
4.40% ▲ 1.40% above Maryland avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 1.40% above avgNationally 2.92%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18721 Longmeadow Rd, Hagerstown, MD 21742
60 Month Share Certificate
$0
4.40% ▲ 1.40% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.40% above avgNationally 2.92%
Details

Balance: $1,000-$9,999; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 25, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
5 Year Bump-Up Share Certificate
$5,000
4.40% ▲ 1.40% above Maryland avg
View
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.40% above avgNationally 2.92%
Details

Owners of Bump-Up Certificates may change the dividend rate once during the term; Withdrawal before maturity incurs early withdrawal penalty

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.40% ▲ 0.45 pts · high 4.40% / low 3.95%
3.45%4.18%4.90%Sep 18, 2026: 3.95% APYOct 19, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.40%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
7901 Sandy Spring Rd, Laurel, MD 20707
Bump-Up IRA Share Certificates - 5 year Bump-Up
$5,000
4.40% ▲ 1.40% above Maryland avg
View
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 1.40% above avgNationally 2.92%
Details

Owners may change the dividend rate once during the term; early withdrawal penalty applies before maturity

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
10903 New Hampshire Ave, Silver Spring, MD 20993
Share Certificate - 60 months
$0
4.31% ▲ 1.31% above Maryland avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.31% above avgNationally 2.92%
Details

Share Certificate APY is based on a $1,000 deposit and may vary based on the amount of deposit.

Rate History
1 change since Sep 25, 2026 · 3.73% → 4.31% ▲ 0.58 pts · high 4.31% / low 3.73%
3.15%4.02%4.89%Sep 25, 2026: 3.73% APYOct 4, 2026: 4.31% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.31%▲ from 3.73%
  • Sep 25, 20263.73%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
5720 Silver Hill Rd, District Heights, MD 20747
60 Month IRA Certificate - Traditional or Roth
$2,500
4.25% ▲ 1.25% above Maryland avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.25% above avgNationally 2.92%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
60 Month Share Certificate
$500
4.13% ▲ 1.13% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.13% above avgNationally 2.92%
Details

Balance: $1M+

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate - 60 Months
$0
4.13% ▲ 1.13% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.13% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus Certificate - 60 Month
$0
4.12% ▲ 1.12% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.12% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
Bonus IRA Certificates - 60 Month
$0
4.12% ▲ 1.12% above Maryland avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.12% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.12% ▲ 0.12 pts · high 4.12% / low 4.00%
3.50%4.06%4.62%Sep 14, 2026: 4.00% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Jumbo Certificates - Star Member
$0
4.10% ▲ 1.10% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.10% above avgNationally 2.92%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Oct 12, 2026: 3.80% APYOct 23, 2026: 4.10% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.80%
  • Oct 12, 20263.80%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
60 Month Certificate
$250
4.10% ▲ 1.10% above Maryland avg
View
▼
Rate4.04%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.10% above avgNationally 2.92%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Oct 22, 2026: 3.60% APYOct 23, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.60%
  • Oct 22, 20263.60%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
4700 River Rd, Riverdale, MD 20737
Certificate - 60 Months
$250
4.10% ▲ 1.10% above Maryland avg
View
▼
Rate4.04%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.10% above avgNationally 2.92%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Oct 22, 2026: 3.60% APYOct 23, 2026: 4.10% APYOct 22, 2026Oct 25, 2026
  • Oct 23, 20264.10%▲ from 3.60%
  • Oct 22, 20263.60%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
12511 Winchester Rd SW, LaVale, MD 21502
Share Certificate - 60 Months
$500
4.06% ▲ 1.06% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.06% above avgNationally 2.92%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Certificate - Star Member
$0
4.05% ▲ 1.05% above Maryland avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.05% above avgNationally 2.92%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Oct 12, 2026: 3.75% APYOct 23, 2026: 4.05% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.05%▲ from 3.75%
  • Oct 12, 20263.75%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Jumbo Certificates
$0
4.05% ▲ 1.05% above Maryland avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.05% above avgNationally 2.92%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 21, 2026: 3.75% APYOct 23, 2026: 4.05% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20264.05%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
Certificate 60 Months
$1,000
4.00% ▲ 1.00% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.00% above avgNationally 2.92%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Certificate
$0
4.00% ▲ 1.00% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 1.00% above avgNationally 2.92%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYOct 23, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
60 Month Share & IRA Share Certificates
$0
3.97% ▲ 0.97% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.97% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 3.97% APY · checked 3 times
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
60 Month Certificate
$0
3.97% ▲ 0.97% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.97% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.84% → 3.97% ▲ 0.13 pts · high 3.97% / low 3.84%
3.34%3.91%4.47%Sep 14, 2026: 3.84% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
999 Corporate Blvd, Linthicum Heights, MD 21090
IRA Certificate 60 Month
$0
3.97% ▲ 0.97% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.97% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
5 Year Long-Term Certificate
$0
3.90% ▲ 0.90% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.90% above avgNationally 2.92%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
60 Month Share Certificate
$500
3.87% ▲ 0.87% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.87% above avgNationally 2.92%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 10 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
825 Bestgate Rd, Annapolis, MD 21401
5 Year Long-Term Certificate
$0
3.85% ▲ 0.85% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.85% above avgNationally 2.92%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
8871 Gorman Rd, Laurel, MD 20723 5877
Certificate - 60 Months - Preferred
$500
3.85% ▲ 0.85% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.85% above avgNationally 2.92%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Oct 12, 2026: 3.45% APYOct 23, 2026: 3.85% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20263.85%▲ from 3.45%
  • Oct 12, 20263.45%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
122 W Union St, Cumberland, MD 21502
60 Month IRA Share Certificate
$500
3.82% ▲ 0.82% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.82% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
122 W Union St, Cumberland, MD 21502
60 Month Share Certificate
$500
3.82% ▲ 0.82% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.82% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10451 Mill Run Cir Ste 300, Owings Mills, MD 21117
IRA & Share Certificate - 5 Year Certificate
$0
3.81% ▲ 0.81% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 0.81% above avgNationally 2.92%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 60-month
$10,000
3.80% ▲ 0.80% above Maryland avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.80% above avgNationally 2.92%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
22745 Maple Rd, Lexington Park, MD 20653
All IRA Certificate Accounts - 60 months
$500
3.80% ▲ 0.80% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.80% above avgNationally 2.92%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificate - 60-month
$10,000
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.92%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Traditional, Educational, and Roth IRA Share Certificates - 60-month
$1,000
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.92%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
7500 Old Georgetown Rd, Bethesda, MD 20814
Certificate of Deposit - 60 Months
$1,000
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular CD - 60 Months
$500
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.92%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Certificates - 60 Month
$1,000
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.92%
Details

Minimum deposit $1,000; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 25, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
111 Rockville Pike Ste 500, Rockville, MD 20850
IRA 60 Month Certificate
$500
3.75% ▲ 0.75% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maryland Average3.00%▲ 0.75% above avgNationally 2.92%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
5711 Allentown Rd, Suitland, MD 20746
Fixed Rate Share Certificate - 60-month
$1,000
3.70% ▲ 0.70% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maryland Average3.00%▲ 0.70% above avgNationally 2.92%
Details

Dividends compounded and credited quarterly; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
Certificate of Deposit - 60 Months
$1,000
3.70% ▲ 0.70% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maryland Average3.00%▲ 0.70% above avgNationally 2.92%
Details

Balance: $100,000-$249,999; Rates effective 10/21/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 22, 2026: 3.70% APYOct 22, 2026Oct 25, 2026
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
23 W Susquehanna Ave, Towson, MD 21204
60 Month IRA Certificates
$0
3.66% ▲ 0.66% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maryland Average3.00%▲ 0.66% above avgNationally 2.92%
Details

Dividend Rate and APY as of October 1, 2026; Contact Member Services

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 25, 2026
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.

Top CD Rates from Maryland Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
CFG Bank
18 Month CD Online and In Branch
D 3.3 ★ TX: 35.17%
Min: $500
4.50%
EagleBank
12 Month CD
A 5.0 ★ TX: 11.84%
Min: $1,000
4.45%
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
TD Bank
24 Month TD Choice CD
A+ 5.0 ★ TX: 3.71%
Min: $250
4.30%
First Shore Federal S&L
Regular CD - 36 Months
A+ 5.0 ★ TX: 3.97%
Min: $500
4.25%
CU Top 5 Credit Union Rates
Tower Federal Credit Union
2 Year Regular IRA Share Certificate
A+ 5.0 ★ TX: 1.97%
Min: $500
5.20%
NATIONAL INSTITUTES OF HEALTH
6 Month Youth Saver
A+ 5.0 ★ TX: 4.98%
Min: $500
5.00%
FIRST EAGLE
Share Certificate Special - 1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
Educational Systems Federal Credit Union
18 Month Jumbo Certificates - Star Member
A+ 5.0 ★ TX: 3.40%
Min: $0
4.65%
Patriot Federal Credit Union
48 Month Share Certificate
A+ 5.0 ★ TX: 1.50%
Min: $0
4.60%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Maryland CD Rate Trends

Compare local Maryland CD rate quotes against the statewide average

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

View Full Maryland CD Trends
12-Month CD MD Avg
3.282%
▼ 0.001 vs 7 days ago

Maryland 12-month CD rates fell 0.001 points over the past 7 days to 3.282% APY.

6-Month CD MD Avg
2.809%
▲ 0.030 vs 7 days ago

Maryland 6-month CD rates rose 0.030 points over the past 7 days to 2.809% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

MD CD Rate Forecast, Next 12 Months

Where are Maryland CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MD 12-Month Avg APY
3.282%
6-Month Forecast
3.282%
Range: 3.08%, 3.43%
12-Month Forecast
3.532%
Range: 3.33%, 3.68%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Maryland average 12-month CD APY in our database.

Spread model: The Maryland 12-month CD average currently trades 1.09% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at MD CD Rates Today

Annual interest earnings at today’s Maryland average APYs. State average used where available; national average as fallback.

CD Term MD Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.755% $87.75 $175.50 $438.75 $877.50
6-Month CD 2.809% $140.46 $280.92 $702.30 $1,404.60
12-Month CD 3.282% $164.12 $328.24 $820.60 $1,641.20
18-Month CD 3.180% $159.00 $318.01 $795.02 $1,590.05
24-Month CD 3.033% $151.64 $303.28 $758.20 $1,516.40
36-Month CD 3.002% $150.09 $300.18 $750.45 $1,500.90
48-Month CD 2.925% $146.25 $292.49 $731.23 $1,462.45
60-Month CD 2.996% $149.82 $299.63 $749.08 $1,498.15
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for 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.

Build Your Ladder
Rung Term Deposit MD Avg APY Annual Earnings
1 3-Month CD $5,000 1.755% $87.75
2 6-Month CD $5,000 2.809% $140.46
3 12-Month CD $5,000 3.282% $164.12
4 24-Month CD $5,000 3.033% $151.64
5 36-Month CD $5,000 3.002% $150.09
Total ($25,000 invested) $25,000 2.776% blended $694.06/yr

Ladder example uses equal $5,000 rungs and Maryland average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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1,150
CD Rates
Tracked in Maryland
35 Banks 56 Credit Unions

About Our Maryland CD Rate Database

MonitorBankRates tracks 1,150 CD rates from 35 banks and 56 credit unions with locations in Maryland, plus national online institutions available to Maryland residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Tower Federal Credit Union offers a CD at 5.20% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Maryland.

How to Find the Best CD Rates in Maryland

What to compare when shopping for a CD in Maryland

To find the best APYs in Maryland, start with credit unions and online-only banks: Maryland has 56 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 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 Maryland: 91 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Maryland savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Maryland money market rates

Maryland Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

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
$187/yr
At MD 12-mo avg 3.282% APY

16.7% of residents are 65 or older, below the national average of 17.3%. At today’s MD 12-month CD average of 3.282%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $187 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 Maryland

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Maryland

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Maryland typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Maryland as everywhere in the U.S.

Choosing a CD Term in Maryland

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Maryland savers easier access to their funds. For example, NATIONAL INSTITUTES OF HEALTH is offering its 6 Month Youth Saver at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tower Federal Credit Union is offering its 5 year Mini-Jumbo Share Certificate at 5.05% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Maryland Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Maryland saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Maryland

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Maryland CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Maryland

Most CDs carry a fixed rate that is locked for the entire term, protecting a Maryland depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Maryland

Are CD rates in Maryland FDIC insured?

Yes, most established banks in 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 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 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 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 Maryland?

Here are recent top rates found for this area:
  • Tower Federal Credit Union: 5.20% APY (2 Year Regular IRA Share Certificate)
  • NATIONAL INSTITUTES OF HEALTH: 5.00% APY (6 Month Youth Saver)
  • FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
  • Educational Systems Federal Credit Union: 4.65% APY (18 Month Jumbo Certificates - Star Member)
  • Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
  • HEMA Federal Credit Union: 4.59% APY (36 Month Share Certificate)
  • NASA Federal Credit Union: 4.55% APY (Share Certificate - 60 months)
  • Capital Area Realtors Federal Credit Union: 4.52% APY (Certificate of Deposit (CD) - 24 Months)
  • CFG Bank: 4.50% APY (18 Month CD Online and In Branch)
  • Signal Financial Federal Credit Union: 4.50% APY (60 Month Share Certificates)
Rates reflect recent verified offers available in Maryland. Last Updated: October 23, 2026

Maryland CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Maryland rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Maryland CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Maryland. Averages shown use the Maryland state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Maryland

Maryland CD Calculator

At today’s MD top rate of 5.20% APY, a $10,000 deposit earns $520 in the first year. Enter your amount to see your exact return.

Maryland CD Ladder

MD CD rates currently range from 1.755% (3-month) to 3.002% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Maryland CD at 5.20% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Maryland’s average 12-month CD is 3.282% 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 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 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 Maryland. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MD.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

Maryland Rates & Resources

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Cities in Maryland

  • Abell
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