Maryland Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Maryland CD rates include NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTH111 Rockville Pike Ste 500, Rockville, MD 20850A+5.0 ★Texas Ratio: 1.38%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Saver at 5.00% APY, HEMA Federal Credit UnionHEMA Federal Credit Union8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713A+5.0 ★Texas Ratio: 3.12%Real return: +1.79%APY minus CPI (February 2026) offering IRA Certificate 36 Months at 4.59% APY, Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.68%Real return: +1.70%APY minus CPI (February 2026) offering 2 Year Certificate at 4.50% APY, EagleBankEagleBank7500 Old Georgetown Rd, Bethesda, MD 20814A5.0 ★Texas Ratio: 11.85%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month CD at 4.35% APY, and CFG BankCFG Bank11 W Ridgely Rd, Lutherville, MD 21093D3.3 ★Texas Ratio: 35.17%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month CD Online and In Branch at 4.30% APY. CD rates as of September 9, 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 5.00% APY from NATIONAL INSTITUTES OF HEALTH at 111 Rockville Pike Ste 500, Rockville, MD 20850. 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: September 9, 2026
Compare Best CD Rates in Maryland
Maryland 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.99% APY▲ 0.01% from last week
The national average 3-month CD rate is 1.99% APY as of September 10, 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: 1.38%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month Certificate
$500
3.88%
▲ 1.89% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.89% above avg
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12820 Wisteria Dr, Germantown, MD 20874 2627
3 Month Regular Certificates
$0
3.80%
▲ 1.81% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▲ 1.81% above avg
Details
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
10035 Baltimore National Pike, Ellicott City, MD 21042
3-Months CD
$1,000
3.70%
▲ 1.71% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.71% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
3 Months
$0
3.65%
▲ 1.66% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.66% above avg
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
111 Rockville Pike Ste 500, Rockville, MD 20850
3 Month Certificate
$500
3.62%
▲ 1.63% above national avg
▼
Rate3.56%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.63% above avg
Details
Cecil County School Employees Federal Credit Union
203 Booth St, Elkton, MD 21921 5646
3-Month Certificate Special
$500
3.55%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.56% above avg
Details
Short Term. Quick Savings. New Money Minimum
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
3-Month New Money Certificate
$0
3.55%
▲ 1.56% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.56% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
90 days/13 weeks CD
$10,000
3.50%
▲ 1.51% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.51% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
3 months
$0
3.20%
▲ 1.21% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.21% above avg
Details
Jumbo Certificate
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 3-Month Certificate - Better Rewards
$0
3.05%
▲ 1.06% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.06% above avg
Details
Better Rewards; Certificates - (Share, IRA, HSA)
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
17801 Georgia Ave, Olney, MD 20832
3 Month CD
$0
3.00%
▲ 1.01% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.01% above avg
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
7500 Greenway Center Dr, Greenbelt, MD 20770
3 Month Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▲ 1.01% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 3-Month Certificate
$0
2.55%
▲ 0.56% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.56% above avg
Details
Certificates - (Share, IRA, HSA)
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
8871 Gorman Rd, Laurel, MD 20723 5877
3 Month Certificate
$0
2.25%
▲ 0.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.26% above avg
Details
Preferred APY: 2.60%
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 3 Month Certificate
$0
2.10%
▲ 0.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.11% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 3 Month Jumbo Certificate
$0
2.10%
▲ 0.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.11% above avg
Details
Jumbo
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
3 Month Certificate
$1,000
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.01% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
3 Month Jumbo Certificate
$25,000
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.01% above avg
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
971 Corporate Blvd, Linthicum, MD 21090 2342
3 Month Certificate
$0
2.00%
▲ 0.01% above national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.01% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular (CDs + IRAs) - 3 Months
$500
2.00%
▲ 0.01% above national avg
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 0.01% above avg
Details
Minimum to Open for IRAs: $250
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2702 N Salisbury Blvd, Salisbury, MD 21801
3 Month CD
$500
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.01% above avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
8300 Burdette Rd, Bethesda, MD 20817
Certificates of Deposit 3 Months
$1,000
1.36%
▼ 0.63% below national avg
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.63% below avg
Details
Platinum Account Holders; Early Withdrawl Penalty 30 days' simple interest
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
8300 Burdette Rd, Bethesda, MD 20817
Certificates of Deposit 3 Months
$1,000
1.26%
▼ 0.73% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.73% below avg
Details
Early Withdrawl Penalty 30 days' simple interest
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
Jumbo Share Certificates 30 - 90 days
$100,000
1.05%
▼ 0.94% below national avg
▼
Rate1.04%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.94% below avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
3 Month Certificate
$500
1.00%
▼ 0.99% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 0.99% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month
$0
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month TD Choice CD
$250
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details
Relationship APY
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
3 months
$0
0.65%
▼ 1.34% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.34% below avg
Details
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%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.49% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2120 Baldwin Ave, Crofton, MD 21114
3 Month CD
$500
0.50%
▼ 1.49% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details
The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
127 North St, Elkton, MD 21921
3 Month CD
$500
0.40%
▼ 1.59% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.59% below avg
Details
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
15226 Hanover Pike, Upperco, MD 21155
3 Month Certificate
$500
0.35%
▼ 1.64% below national avg
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.64% below avg
Details
The Bank of Glen Burnie
Institution Rating:
B-3.4 ★Texas Ratio: 3.14%
101 Crain Hwy S, Glen Burnie, MD 21061
3 Month Certificate
$500
0.25%
▼ 1.74% below national avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.74% below avg
Details
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
4520 East West Hwy, Bethesda, MD 20814
90 Day CD
$0
0.10%
▼ 1.89% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.89% below avg
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
726 Cambridge Plz, Cambridge, MD 21613
3 months
$0
0.10%
▼ 1.89% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 1.89% below avg
Details
Har-co Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30 N Hickory Ave, Bel Air, MD 21014 3249
3 Month Certificate
$500
0.08%
▼ 1.91% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.91% below avg
Details
Rates effective as of 9/1/2021. $500 minimum to open and obtain APY.
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
3 months
$0
0.05%
▼ 1.94% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.94% below avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 3 months
$0
0.05%
▼ 1.94% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.94% below avg
Details
Eastern Savings Bank, FSB
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
11350 Mccormick Rd, Hunt Valley, MD 21031
3-Month CD
$1,000
0.05%
▼ 1.94% below national avg
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.94% below avg
Details
The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
127 North St, Elkton, MD 21921
Short Term CD (15-90 Days)
$2,500
0.05%
▼ 1.94% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.94% below avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate: Term 3 Months
$500
0.02%
▼ 1.97% below national avg
▼
Rate0.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.97% below avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate Term 3 Months
$500
0.02%
▼ 1.97% below national avg
▼
Rate0.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.97% below avg
Details
Maryland 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▼ 0.01% from last week
The national average 6-month CD rate is 2.67% APY as of September 10, 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: 1.38%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Youth Saver
$500
5.00%
▲ 2.33% above national avg
▼
Rate4.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 2.33% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 Month CD
$1,000
4.20%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details
The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 Months
$0
4.20%
▲ 1.53% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.53% above avg
Details
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 6 Months
$0
4.13%
▲ 1.46% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.46% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 months/26 weeks CD
$10,000
4.05%
▲ 1.38% above national avg
▼
Rate3.97%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 6-Month Certificate - Better Rewards
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.23% above avg
Details
Better Rewards; Certificates - (Share, IRA, HSA)
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
6 months
$100
3.85%
▲ 1.18% above national avg
▼
Rate3.79%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate: Term 6 Months
$500
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate Term 6 Months
$500
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12820 Wisteria Dr, Germantown, MD 20874 2627
6 Month Regular & IRA Certificates
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.13% above avg
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
6 Month Certificate
$7,500
3.80%
▲ 1.13% above national avg
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.13% above avg
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
11050 Johns Hopkins Rd, Laurel, MD 20723
6 Month Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.08% above avg
Details
Ameriserv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
12806 Shank Farm Way, Hagerstown, MD 21742
6-Month CD
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.08% above avg
Details
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
10035 Baltimore National Pike, Ellicott City, MD 21042
6-Months CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.08% above avg
Details
The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 6 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 6 Month Jumbo Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Jumbo
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
6 Month Jumbo CD
$10,000
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
6 Month Standard CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 6 Month Jumbo CD
$10,000
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 6 Month Standard CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.03% above avg
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
7500 Greenway Center Dr, Greenbelt, MD 20770
6 Month Certificate
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.03% above avg
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
8 W Bel Air Ave, Aberdeen, MD 21001
6 Month Certificate
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.03% above avg
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
6 Month Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.98% above avg
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Certificate
$500
3.62%
▲ 0.95% above national avg
▼
Rate3.56%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.95% above avg
Details
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
6 Month Certificate
$0
3.61%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.94% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
6 Month Certificate
$500
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
6 Month Jumbo Certificate
$25,000
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1414 S DIVISION ST, SALISBURY, MD 21804
JUMBO Share Certificate 6 Month Term
$50,000
3.52%
▲ 0.85% above national avg
▼
Rate3.47%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.85% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 6 months
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.83% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Jumbo Certificates 6 months
$0
3.48%
▲ 0.81% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.81% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 6 months
$500
3.48%
▲ 0.81% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.81% above avg
Details
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1414 S DIVISION ST, SALISBURY, MD 21804
BEE Share Certificate 6 Month Term
$10,000
3.47%
▲ 0.80% above national avg
▼
Rate3.43%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.80% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 6-Month Certificate
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.73% above avg
Details
Certificates - (Share, IRA, HSA)
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
111 Rockville Pike Ste 500, Rockville, MD 20850
6 Month Certificate
$500
3.38%
▲ 0.71% above national avg
▼
Rate3.32%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.71% above avg
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3706 Norrisville Rd, Jarrettsville, MD 21084
6 Month CD
$2,500
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.63% above avg
Details
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
CD Term 6 Months
$0
3.28%
▲ 0.61% above national avg
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.61% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
6 Months (182 Days)
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
971 Corporate Blvd, Linthicum, MD 21090 2342
6 Month Certificate
$0
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.53% above avg
Details
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (6 month term)
$0
3.14%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.47% above avg
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
14501 Sweitzer Ln, Laurel, MD 20707
6 Month Certificate
$500
3.03%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.36% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
17801 Georgia Ave, Olney, MD 20832
6 Month CD
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
6 Months Regular
$0
3.00%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
FedPerks APY: 3.25%
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular (CDs + IRAs) - 6 Months
$500
3.00%
▲ 0.33% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.33% above avg
Details
Minimum to Open for IRAs: $250
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
IRA Certificates Fixed - 6 Months
$100
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.33% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
8871 Gorman Rd, Laurel, MD 20723 5877
6 Month Certificate
$0
2.90%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.23% above avg
Details
Preferred APY: 3.25%
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
805 King Farm Blvd Ste 110, Rockville, MD 20850 6537
6 Month Certificate
$0
2.70%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.03% above avg
Details
Democracy Federal Credit Union
Institution Rating:
A4.7 ★Texas Ratio: 6.55%
5720 Silver Hill Rd, District Heights, MD 20747
6 Month Certificate
$25
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$25
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.17% below avg
Details
$1,000 and over
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
14316 National Hwy SW, LaVale, MD 21502
6 Months
$500
2.25%
▼ 0.42% below national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.42% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2702 N Salisbury Blvd, Salisbury, MD 21801
6 Month CD
$500
2.25%
▼ 0.42% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.42% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
8300 Burdette Rd, Bethesda, MD 20817
Certificates of Deposit 6 Months
$1,000
2.18%
▼ 0.49% below national avg
▼
Rate2.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▼ 0.49% below avg
Details
Platinum Account Holders; Early Withdrawl Penalty 90 days' simple interest
Maryland 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.84% APY▼ 0.01% from last week
The national average 12-month CD rate is 2.84% APY as of September 10, 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: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
1 Year Certificate
$500
4.40%
▲ 1.56% above national avg
▼
Rate4.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.56% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 1 year
$500
4.40%
▲ 1.56% above national avg
▼
Rate4.31%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.56% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month CD
$1,000
4.35%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.51% above avg
Details
The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Months
$0
4.35%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.51% above avg
Details
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
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.46% above avg
Details
No additional deposits after initial deposit.
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
11 W Ridgely Rd, Lutherville, MD 21093
12-Month Term Certificate of Deposit
$500
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.46% above avg
Details
APY-Annual Percentage Yield
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Starter Add-On
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.41% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 months/52 weeks CD
$10,000
4.20%
▲ 1.36% above national avg
▼
Rate4.11%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.36% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 12-Month Certificate - Better Rewards
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.36% above avg
Details
Better Rewards; Certificates - (Share, IRA, HSA)
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
12 Month Certificate
$0
4.18%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.34% above avg
Details
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 12 Months
$0
4.13%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.29% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
12-month CD
$500
4.07%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.23% above avg
Details
High-Rate CD Specials. Each account is insured up to $250,000.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate: Term 12 Months
$500
4.05%
▲ 1.21% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.21% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate Term 12 Months
$500
4.05%
▲ 1.21% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.21% above avg
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
726 Cambridge Plz, Cambridge, MD 21613
12 months
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.16% above avg
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
11050 Johns Hopkins Rd, Laurel, MD 20723
12 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.16% above avg
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
7500 Greenway Center Dr, Greenbelt, MD 20770
12 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.06% above avg
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
12 Month Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.06% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
IRA Certificate 12 months
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.03% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
12 months
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.01% above avg
Details
Jumbo Certificate
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Accounts 12 months
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.96% above avg
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
971 Corporate Blvd, Linthicum, MD 21090 2342
12 Month Platinum
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Requires SECU Total Checking - Platinum level
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
8501 La Salle Rd, Baltimore, MD 21286 5914
1 Year Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
12 Month Jumbo CD
$10,000
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
12 Month Standard CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 12 Month Jumbo CD
$10,000
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 12 Month Standard CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12820 Wisteria Dr, Germantown, MD 20874 2627
1 Year Regular & IRA Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.96% above avg
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
12 Month Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.96% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
12 months
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.92% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-year term
$500
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.92% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 1-year term
$500
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.92% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 1 year
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
14316 National Hwy SW, LaVale, MD 21502
12 Months
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
12 months
$100
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 12 months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.91% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Jumbo Certificates 12 months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.91% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 12 months
$500
3.73%
▲ 0.89% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.89% above avg
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
971 Corporate Blvd, Linthicum, MD 21090 2342
12 Month Gold
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.86% above avg
Details
Requires SECU Total Checking - Gold level
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 12-Month Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.86% above avg
Details
Certificates - (Share, IRA, HSA)
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
12 months (Booster)
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.82% above avg
Details
Booster
Forbright
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
1700 Rockville Pike, Rockville, MD 20852
12 Month
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.81% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 1 year
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.81% above avg
Details
Rosedale FSL
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1520 Sulphur Spring Rd, Arbutus, MD 21227
12 Month Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.81% above avg
Details
To view assumptions & disclosures, select the appropriate product above.
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3706 Norrisville Rd, Jarrettsville, MD 21084
12 Month CD/IRA
$500
3.65%
▲ 0.81% above national avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 0.81% above avg
Details
with one-time bump up
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 12 Month Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.76% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 12 Month Jumbo Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.76% above avg
Details
Jumbo
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-year term
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.72% above avg
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
971 Corporate Blvd, Linthicum, MD 21090 2342
1 Year Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.71% above avg
Details
Maryland 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.67% APY▼ 0.03% from last week
The national average 18-month CD rate is 2.67% APY as of September 10, 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
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
4.30%
▲ 1.63% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.63% above avg
Details
No additional deposits after initial deposit.
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Month CD
$1,000
4.25%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Months
$0
4.25%
▲ 1.58% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
18 Month Certificate
$0
4.24%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.57% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
18 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
11050 Johns Hopkins Rd, Laurel, MD 20723
18 Month Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.33% above avg
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
7500 Greenway Center Dr, Greenbelt, MD 20770
18 Month Certificate
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.13% above avg
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
14316 National Hwy SW, LaVale, MD 21502
18 Months
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
54 QUEEN CITY DR, CUMBERLAND, MD 21502
18 Month Certificate Special
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.08% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 18-Month Certificate - Better Rewards
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.08% above avg
Details
Better Rewards; Certificates - (Share, IRA, HSA)
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate: Term 18 Months
$500
3.67%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.00% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate Term 18 Months
$500
3.67%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.00% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Variable-Rate Certificate 18-month term
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.99% above avg
Details
Variable-Rate*
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Variable-Rate Certificate - 18-month term
$50
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.99% above avg
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12820 Wisteria Dr, Germantown, MD 20874 2627
18 Month Regular & IRA Accumulator Certificates
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.98% above avg
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
18 Month Certificate
$500
3.60%
▲ 0.93% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.93% above avg
Details
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
CD Term 18 Months
$0
3.57%
▲ 0.90% above national avg
▼
Rate3.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.90% above avg
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
1304 E Churchville Rd, Bel Air, MD 21014
18-Month Share and IRA Certificate Special
$300
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$300
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.88% above avg
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
1304 E Churchville Rd, Bel Air, MD 21014
18-Month SPECIAL Certificate
$300
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.88% above avg
Details
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
333 E Main St, Hancock, MD 21750
18 Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.88% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 18 Month Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 18 Month Jumbo Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Jumbo
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3706 Norrisville Rd, Jarrettsville, MD 21084
18 Month CD/IRA
$500
3.45%
▲ 0.78% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.78% above avg
Details
Democracy Federal Credit Union
Institution Rating:
A4.7 ★Texas Ratio: 6.55%
5720 Silver Hill Rd, District Heights, MD 20747
18 Month Certificate
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
18 Month Certificate
$500
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
18 Month Jumbo Certificate
$25,000
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
18 months
$100
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 18 months
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 18-Month Certificate
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.58% above avg
Details
Certificates - (Share, IRA, HSA)
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular (CDs + IRAs) - 18 Months
$500
3.25%
▲ 0.58% above national avg
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.58% above avg
Details
Minimum to Open for IRAs: $250
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
8 W Bel Air Ave, Aberdeen, MD 21001
18 Month Certificate
$1,000
3.25%
▲ 0.58% above national avg
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.58% above avg
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month IRA Mini-Jumbo
$0
3.15%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details
FedPerks APY**: 3.40%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month Roth IRA Mini-Jumbo
$0
3.15%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details
FedPerks APY**: 3.40%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month SEP IRA Mini-Jumbo
$0
3.15%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details
FedPerks APY**: 3.40%
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 18 months
$0
3.15%
▲ 0.48% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
8871 Gorman Rd, Laurel, MD 20723 5877
18 Month Certificate
$0
3.15%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.48% above avg
Details
Preferred APY: 3.50%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month IRA
$0
3.10%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
FedPerks APY**: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month Roth IRA
$0
3.10%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
FedPerks APY**: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month SEP IRA
$0
3.10%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
FedPerks APY**: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Months Regular
$0
3.10%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
FedPerks APY: 3.35%
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
14501 Sweitzer Ln, Laurel, MD 20707
18 Month Certificate
$500
3.03%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.36% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
18 months
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
971 Corporate Blvd, Linthicum, MD 21090 2342
18 Month Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.33% above avg
Details
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) - 18 Months
$500
3.00%
▲ 0.33% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.33% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
18 months
$0
2.90%
▲ 0.23% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.23% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
805 King Farm Blvd Ste 110, Rockville, MD 20850 6537
18 Month Certificate
$0
2.90%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.23% above avg
Details
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
IRA Certificates Fixed - 18 Months
$100
2.89%
▲ 0.22% above national avg
▼
Rate2.85%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 0.22% above avg
Details
The Bank of Glen Burnie
Institution Rating:
B-3.4 ★Texas Ratio: 3.14%
101 Crain Hwy S, Glen Burnie, MD 21061
18 Month Certificate
$500
2.53%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 0.14% below avg
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
54 QUEEN CITY DR, CUMBERLAND, MD 21502
18 Month Certificate
$0
2.40%
▼ 0.27% below national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 0.27% below avg
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
18 Month
$100
2.35%
▼ 0.32% below national avg
▼
Rate2.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 0.32% below avg
Details
Maryland 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▼ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 10, 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: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
2 Year Certificate
$500
4.50%
▲ 1.79% above national avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.79% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 2 year
$500
4.50%
▲ 1.79% above national avg
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.79% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 Month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 Months
$0
4.25%
▲ 1.54% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
11050 Johns Hopkins Rd, Laurel, MD 20723
24 Month Certificate
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.54% above avg
Details
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 24 Months
$0
4.13%
▲ 1.42% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.42% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
24 months/2 years CD
$10,000
4.10%
▲ 1.39% above national avg
▼
Rate4.01%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
7500 Greenway Center Dr, Greenbelt, MD 20770
24 Month Certificate
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.14% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 24-Month Certificate - Better Rewards
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.14% above avg
Details
Better Rewards; Certificates - (Share, IRA, HSA)
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
IRA Certificate 24 months
$0
3.76%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.05% above avg
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
14316 National Hwy SW, LaVale, MD 21502
24 Months
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
24 Month Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.04% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
2-year term
$500
3.71%
▲ 1.00% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.00% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 2-year term
$500
3.71%
▲ 1.00% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.00% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate: Term 24 Months
$500
3.67%
▲ 0.96% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.96% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate Term 24 Months
$500
3.67%
▲ 0.96% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.96% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
24 months
$0
3.66%
▲ 0.95% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.95% above avg
Details
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
CD Term 24 Months
$0
3.61%
▲ 0.90% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.90% above avg
Details
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
8501 La Salle Rd, Baltimore, MD 21286 5914
2 Year Certificate
$500
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
24 Month Jumbo CD
$10,000
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
24 Month Standard CD
$500
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 24 Month Jumbo CD
$10,000
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 24 Month Standard CD
$500
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12820 Wisteria Dr, Germantown, MD 20874 2627
2 Year Regular & IRA Certificates
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.89% above avg
Details
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (24 month term)
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.85% above avg
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Accounts 24 months
$500
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Jumbo Certificates 24 months
$0
3.51%
▲ 0.80% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.80% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Year IRA Certificate
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular (CDs + IRAs) - 24 Months
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 0.79% above avg
Details
Minimum to Open for IRAs: $250
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 24 months
$500
3.45%
▲ 0.74% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.74% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 24 months
$0
3.45%
▲ 0.74% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.74% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 24 months
$500
3.43%
▲ 0.72% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.72% above avg
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
24 Months Regular
$0
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
FedPerks APY: 3.60%
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 24-Month Certificate
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.64% above avg
Details
Certificates - (Share, IRA, HSA)
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
24 months
$100
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Year Certificate
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.59% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 2 years
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 24 Month Certificate
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 24 Month Jumbo Certificate
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Jumbo
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
3.25%
▲ 0.54% above national avg
▼
Rate3.21%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 0.54% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Year Certificate
$0
3.20%
▲ 0.49% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.49% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
8871 Gorman Rd, Laurel, MD 20723 5877
24 Month Certificate
$0
3.20%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.49% above avg
Details
Preferred APY: 3.55%
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 2 years
$0
3.15%
▲ 0.44% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
24 Month Certificate
$500
3.15%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
24 Month Jumbo Certificate
$25,000
3.15%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
14501 Sweitzer Ln, Laurel, MD 20707
24 Month Certificate
$500
3.03%
▲ 0.32% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.32% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
2 years
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
971 Corporate Blvd, Linthicum, MD 21090 2342
2 Year Certificate
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.29% above avg
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
24 Month Certificate
$500
3.00%
▲ 0.29% above national avg
▼
Rate2.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.29% above avg
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3706 Norrisville Rd, Jarrettsville, MD 21084
24 Month CD/IRA
$500
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.29% above avg
Details
Maryland 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.64% APY▼ 0.03% from last week
The national average 36-month CD rate is 2.64% APY as of September 10, 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
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 36 Months
$0
4.59%
▲ 1.95% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.95% above avg
Details
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
4.30%
▲ 1.66% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.66% above avg
Details
No additional deposits after initial deposit.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
3 Year Certificate
$500
4.15%
▲ 1.51% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.51% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 3 year
$500
4.15%
▲ 1.51% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.51% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Add-On Certificate
$0
4.15%
▲ 1.51% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.51% above avg
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
11050 Johns Hopkins Rd, Laurel, MD 20723
36 Month Certificate
$1,000
4.00%
▲ 1.36% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.36% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 36-Month Certificate - Better Rewards
$0
3.95%
▲ 1.31% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.31% above avg
Details
Better Rewards; Certificates - (Share, IRA, HSA)
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate: Term 36 Months
$500
3.82%
▲ 1.18% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.18% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate Term 36 Months
$500
3.82%
▲ 1.18% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.18% above avg
Details
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (36 month term)
$0
3.76%
▲ 1.12% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.12% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
36 Months
$0
3.75%
▲ 1.11% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.11% above avg
Details
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
8501 La Salle Rd, Baltimore, MD 21286 5914
3 Year Certificate
$500
3.75%
▲ 1.11% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Jumbo CD
$10,000
3.75%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Standard CD
$500
3.75%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 36 Month Jumbo CD
$10,000
3.75%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
Business 36 Month Standard CD
$500
3.75%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.11% above avg
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
36 Month Certificate
$0
3.75%
▲ 1.11% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.11% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
3-year term
$0
3.71%
▲ 1.07% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.07% above avg
Details
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
CD Term 36 Months
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.06% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
IRA Certificate 36 months
$0
3.66%
▲ 1.02% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.02% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
3-year term
$500
3.66%
▲ 1.02% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.02% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 3-year term
$500
3.66%
▲ 1.02% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.02% above avg
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Accounts 36 months
$500
3.65%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.01% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
36 months/3 years CD
$10,000
3.60%
▲ 0.96% above national avg
▼
Rate3.53%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.96% above avg
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
7500 Greenway Center Dr, Greenbelt, MD 20770
36 Month Certificate
$0
3.60%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.96% above avg
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12820 Wisteria Dr, Germantown, MD 20874 2627
3 Year Regular & IRA Certificates
$0
3.60%
▲ 0.96% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.96% above avg
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
1304 E Churchville Rd, Bel Air, MD 21014
36-Month Bump-Up Certificate
$300
3.60%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.96% above avg
Details
Members have the option, once during the term of a Bump-Up Share or IRA Certificate, to elect to receive the higher rate being offered on Bump-Up Share or IRA Certificates. Members may only exercise this option once during the term of the Bump-Up Share / IRA Certificate. The election to exchange to the higher rate must be made in writing. No additional changes will be permitted. The new rate will be effective from the date the Credit Union (Freedom) we receive notification of the election and will continue for the remainder of the Bump-Up Share Certificate term. If you never elect the exchange option, the original rate will continue.
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
36 months
$0
3.56%
▲ 0.92% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.92% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Variable-Rate Certificate 3-year term
$0
3.56%
▲ 0.92% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.92% above avg
Details
Variable-Rate*
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Variable-Rate Certificate - 3-year term
$50
3.56%
▲ 0.92% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.92% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
36 Months
$100
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.91% above avg
Details
MyTimes Certificate (members 50 and over)
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Jumbo Certificates 36 months
$0
3.51%
▲ 0.87% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.87% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 36 months
$0
3.50%
▲ 0.86% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.86% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular (CDs + IRAs) - 36 Months
$500
3.50%
▲ 0.86% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 0.86% above avg
Details
Minimum to Open for IRAs: $250
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 36 months
$500
3.48%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.84% above avg
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
40 W Plaza, Catonsville, MD 21228
HSA 36-Month Certificate
$0
3.45%
▲ 0.81% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.81% above avg
Details
Certificates - (Share, IRA, HSA)
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 36 months
$500
3.40%
▲ 0.76% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.76% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Year Certificate
$0
3.35%
▲ 0.71% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.71% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 3 years
$0
3.25%
▲ 0.61% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 36 Month Certificate
$0
3.25%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA, Roth or ESA Certificate Accounts 36 Month Jumbo Certificate
$0
3.25%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details
Jumbo
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
14316 National Hwy SW, LaVale, MD 21502
36 Months
$0
3.25%
▲ 0.61% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details
Democracy Federal Credit Union
Institution Rating:
A4.7 ★Texas Ratio: 6.55%
5720 Silver Hill Rd, District Heights, MD 20747
36 Month Certificate
$0
3.20%
▲ 0.56% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.56% above avg
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
36 Months Regular
$0
3.15%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.51% above avg
Details
FedPerks APY: 3.40%
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 3 years
$0
3.15%
▲ 0.51% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.51% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
36 Month Certificate
$500
3.15%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.51% above avg
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
36 Month Jumbo Certificate
$25,000
3.15%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.51% above avg
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
14501 Sweitzer Ln, Laurel, MD 20707
36 Month Certificate
$500
3.03%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.39% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
3 years
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.36% above avg
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
971 Corporate Blvd, Linthicum, MD 21090 2342
3 Year Certificate
$0
3.00%
▲ 0.36% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
Maryland 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.65% APY▼ 0.02% from last week
The national average 48-month CD rate is 2.65% APY as of September 10, 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: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificate
$20,000
4.35%
▲ 1.70% above national avg
▼
Rate4.26%
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.70% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
4 Year Certificate
$500
4.20%
▲ 1.55% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.55% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 4 year
$500
4.20%
▲ 1.55% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.55% above avg
Details
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 48 Months
$0
4.13%
▲ 1.48% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.48% above avg
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
11050 Johns Hopkins Rd, Laurel, MD 20723
48 Month Certificate
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.35% above avg
Details
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (48 month term)
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.22% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate: Term 48 Months
$500
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.17% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate Term 48 Months
$500
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.17% above avg
Details
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
CD Term 48 Months
$0
3.78%
▲ 1.13% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.13% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
48 Months
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.10% above avg
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
48 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.10% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Bump-Up IRA Share Certificate
$5,000
3.70%
▲ 1.05% above national avg
▼
Rate3.63%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.05% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Bump-Up Share Certificate
$5,000
3.70%
▲ 1.05% above national avg
▼
Rate3.63%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.05% above avg
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.68%
1304 E Churchville Rd, Bel Air, MD 21014
48-Month Bump-Up Certificate
$300
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$300
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.05% above avg
Details
Members have the option, once during the term of a Bump-Up Share or IRA Certificate, to elect to receive the higher rate being offered on Bump-Up Share or IRA Certificates. Members may only exercise this option once during the term of the Bump-Up Share / IRA Certificate. The election to exchange to the higher rate must be made in writing. No additional changes will be permitted. The new rate will be effective from the date the Credit Union (Freedom) we receive notification of the election and will continue for the remainder of the Bump-Up Share Certificate term. If you never elect the exchange option, the original rate will continue.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
4-year term
$0
3.66%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.01% above avg
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
7500 Greenway Center Dr, Greenbelt, MD 20770
48 Month Certificate
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.00% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
4-year term
$500
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.96% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 4-year term
$500
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.96% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
48 months
$100
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.90% above avg
Details
Member Rewards Gold Certificate
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12820 Wisteria Dr, Germantown, MD 20874 2627
4 Year Regular & IRA Certificates
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.90% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
IRA Certificate 48 months
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.80% above avg
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Accounts 48 months
$500
3.44%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.79% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
48 months
$100
3.43%
▲ 0.78% above national avg
▼
Rate3.38%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.78% above avg
Details
Member Rewards Silver Certificate
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 48 months
$500
3.40%
▲ 0.75% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.75% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
48 months
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.70% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Jumbo Certificates 48 months
$0
3.32%
▲ 0.67% above national avg
▼
Rate3.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.67% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
48 months
$100
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.65% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 4 years
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.60% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 4 years
$0
3.15%
▲ 0.50% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.50% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 48 months
$0
3.11%
▲ 0.46% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.46% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 48 months
$500
3.10%
▲ 0.45% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.45% above avg
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
900 Caton Ave, Baltimore, MD 21229
48 Month Certificate
$0
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.38% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
4 years
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.35% above avg
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
14316 National Hwy SW, LaVale, MD 21502
48 Months
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.35% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
8871 Gorman Rd, Laurel, MD 20723 5877
48 Month Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.35% above avg
Details
Preferred APY: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
48 Months Regular
$0
2.90%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.25% above avg
Details
FedPerks APY: 3.15%
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
4 years
$0
2.90%
▲ 0.25% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.25% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
805 King Farm Blvd Ste 110, Rockville, MD 20850 6537
4 Year Certificate
$0
2.90%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.25% above avg
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
54 QUEEN CITY DR, CUMBERLAND, MD 21502
48 Month Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.10% above avg
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3228 Eastern Ave, Baltimore, MD 21224
48 Month Certificate
$500
2.75%
▲ 0.10% above national avg
▼
Rate2.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.10% above avg
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3706 Norrisville Rd, Jarrettsville, MD 21084
48 Month CD/IRA
$500
2.75%
▲ 0.10% above national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.10% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular (CDs + IRAs) - 48 Months
$500
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.10% above avg
Details
Minimum to Open for IRAs: $250
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
8 W Bel Air Ave, Aberdeen, MD 21001
48 Month Certificate
$1,000
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.10% above avg
Details
Step-Up
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
1 South St, Baltimore, MD 21202
48 Month Certificate
$500
2.60%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.05% below avg
Details
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Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
17801 Georgia Ave, Olney, MD 20832
4 Year CD
$0
2.50%
▼ 0.15% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.15% below avg
Details
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
655 Crain Hwy S, Glen Burnie, MD 21061
48 Month Certificate
$0
2.50%
▼ 0.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 0.15% below avg
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
4003 Branch Ave, Temple Hills, MD 20748
4 Year - Certificate or IRA Certificate
$1,000
2.42%
▼ 0.23% below national avg
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.23% below avg
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
4003 Branch Ave, Temple Hills, MD 20748
Youth Share Certificates 4 Year
$100
2.42%
▼ 0.23% below national avg
▼
Rate2.40%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.23% below avg
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
726 Cambridge Plz, Cambridge, MD 21613
48 months
$0
2.02%
▼ 0.63% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 0.63% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2120 Baldwin Ave, Crofton, MD 21114
4 Year CD
$500
1.90%
▼ 0.75% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.75% below avg
Details
Maryland 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.75% APY▼ 0.03% from last week
The national average 60-month CD rate is 2.75% APY as of September 10, 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: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo IRA Share Certificate
$20,000
4.40%
▲ 1.65% above national avg
▼
Rate4.31%
Min Deposit$20,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.65% above avg
Details
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
4.30%
▲ 1.55% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.55% above avg
Details
No additional deposits after initial deposit.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
5 Year Certificate
$500
4.25%
▲ 1.50% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.50% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 5 year
$500
4.25%
▲ 1.50% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.50% above avg
Details
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8701 Georgia Ave Ste 407, Silver Spring, MD 20910 3713
IRA Certificate 60 Months
$0
4.13%
▲ 1.38% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.38% above avg
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
11050 Johns Hopkins Rd, Laurel, MD 20723
60 Month Certificate
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.25% above avg
Details
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificate (60 month term)
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.22% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Business Share Certificate: Term 60 Months
$500
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.07% above avg
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3015 University Blvd W, Kensington, MD 20895 1936
Share Certificate Term 60 Months
$500
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.07% above avg
Details
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
7484 Market St, Willards, MD 21874
CD Term 60 Months
$0
3.81%
▲ 1.06% above national avg
▼
Rate3.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.06% above avg
Details
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
7500 Old Georgetown Rd, Bethesda, MD 20814
60 Months
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.00% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Bump-Up IRA Share Certificate
$5,000
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Bump-Up Share Certificate
$5,000
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.15%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
60 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.00% above avg
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
7500 Greenway Center Dr, Greenbelt, MD 20770
60 Month Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.95% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
5-year term
$0
3.61%
▲ 0.86% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.86% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
5 Year IRA Certificate
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.85% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
5-year term
$500
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.81% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Fixed-Rate Certificate 5-year term
$500
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.81% above avg
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
22745 Maple Rd, Lexington Park, MD 20653
IRA Certificate Accounts 60 months
$500
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.80% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
60 months
$100
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.80% above avg
Details
Member Rewards Gold Certificate
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12820 Wisteria Dr, Germantown, MD 20874 2627
5 Year Regular & IRA Certificates
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.80% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Jumbo Certificates 60 months
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.75% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
IRA Certificate 60 months
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.70% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
5 Year Certificate
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.70% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
60 months
$100
3.43%
▲ 0.68% above national avg
▼
Rate3.38%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.68% above avg
Details
Member Rewards Silver Certificate
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
IRA Certificates 60 months
$0
3.42%
▲ 0.67% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.67% above avg
Details
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Share 60 months
$500
3.40%
▲ 0.65% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.65% above avg
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732
Share Certificates 60 months
$500
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.65% above avg
Details
Treasury Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6505 Belcrest Rd Rm 605, HYATTSVILLE, MD 20782 2011
60 months
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.60% above avg
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
60 months
$100
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.55% above avg
Details
Forbright
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
1700 Rockville Pike, Rockville, MD 20852
60 Month
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.50% above avg
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Variable-Rate Certificate 5-year term
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.50% above avg
Details
Variable-Rate*
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.80%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Variable-Rate Certificate - 5-year term
$50
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.50% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 5 years
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.50% above avg
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
726 Cambridge Plz, Cambridge, MD 21613
60 months
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.50% above avg
Details
Democracy Federal Credit Union
Institution Rating:
A4.7 ★Texas Ratio: 6.55%
5720 Silver Hill Rd, District Heights, MD 20747
60 Month Certificate
$0
3.15%
▲ 0.40% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.40% above avg
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 5 years
$0
3.15%
▲ 0.40% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.40% above avg
Details
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
8871 Gorman Rd, Laurel, MD 20723 5877
60 Month Certificate
$0
3.10%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.35% above avg
Details
Preferred APY: 3.45%
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
5 years
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.25% above avg
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
14316 National Hwy SW, LaVale, MD 21502
60 Months
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.25% above avg
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
111 Rockville Pike Ste 500, Rockville, MD 20850
60 Month Certificate
$500
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.25% above avg
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
54 QUEEN CITY DR, CUMBERLAND, MD 21502
60 Month Certificate
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.25% above avg
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
106 S Division St, Salisbury, MD 21801
Regular (CDs + IRAs) - 60 Months
$500
3.00%
▲ 0.25% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.25% above avg
Details
Minimum to Open for IRAs: $250
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1807 Rockville Pike, Rockville, MD 20852
5 years
$0
2.90%
▲ 0.15% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.15% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
805 King Farm Blvd Ste 110, Rockville, MD 20850 6537
5 Year Certificate
$0
2.90%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.15% above avg
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3706 Norrisville Rd, Jarrettsville, MD 21084
60 Month CD/IRA
$500
2.85%
▲ 0.10% above national avg
▼
Rate2.81%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.10% above avg
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
8 W Bel Air Ave, Aberdeen, MD 21001
60 Month Certificate
$1,000
2.85%
▲ 0.10% above national avg
▼
Rate2.82%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.10% above avg
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
60 Month IRA Mini-Jumbo
$0
2.80%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.05% above avg
Details
FedPerks APY**: 3.05%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
10001 Willowdale Rd, Lanham, MD 20706 4321
60 Month Roth IRA Mini-Jumbo
$0
2.80%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.05% above avg
Details
FedPerks APY**: 3.05%
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD MD Avg
2.840%
▲ 0.173 vs 7 days ago
Maryland 12-month CD rates rose 0.173 points over the past 7 days to 2.840% APY.
6-Month CD MD Avg
2.669%
▲ 0.918 vs 7 days ago
Maryland 6-month CD rates rose 0.918 points over the past 7 days to 2.669% APY.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MD CD Rate Forecast, Next 12 Months
Where are Maryland CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MD 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
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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 | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
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.
| Rung | Term | Deposit | MD Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
545
CD Rates
Tracked in Maryland
Tracked in Maryland
31 Banks
39 Credit Unions
About Our Maryland CD Rate Database
MonitorBankRates tracks 545 CD rates from 31 banks and 39 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 (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: NATIONAL INSTITUTES OF HEALTH offers a CD at 5.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in 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 39 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: 70 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
$162/yr
At MD 12-mo avg 2.840% APY
16.7% of residents are 65 or older, below the national average of 17.3%. At today’s MD 12-month CD average of 2.840%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $162 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 (90–180 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 IRA Share Certificate at 4.40% 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:
- NATIONAL INSTITUTES OF HEALTH: 5.00% APY (6 Month Youth Saver)
- HEMA Federal Credit Union: 4.59% APY (IRA Certificate 36 Months)
- Tower Federal Credit Union: 4.50% APY (2 Year Certificate)
- EagleBank: 4.35% APY (12 Month CD)
- CFG Bank: 4.30% APY (12 Month CD Online and In Branch)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- APL Federal Credit Union: 4.25% APY (24 Month Certificate)
- Arundel Federal Savings Bank: 4.24% APY (18 Month Certificate)
- First Financial of Maryland FCU: 4.20% APY (HSA 12-Month Certificate - Better Rewards)
- POCU of Maryland: 4.07% APY (12-month CD)
Rates reflect recent verified offers available in Maryland. Last Updated: September 9, 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
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Maryland
Maryland CD Calculator
At today’s MD top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Maryland CD LadderMD CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Maryland CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaryland’s average 12-month CD is 2.840% 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: September 9, 2026
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