Bel Air, Maryland CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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 Bel Air, Maryland CD rates include Point Breeze Credit UnionPoint Breeze Credit Union410 S Atwood Rd, Bel Air, MD 21014 4170A+5.0 ★Texas Ratio: 2.30%Real return: +1.00%APY minus CPI (February 2026) offering Business 6 Month Standard CD at 3.80% APY, State Employees Credit UnionState Employees Credit Union210 Plumtree Rd, Bel Air, MD 21015 6011A+5.0 ★Texas Ratio: 5.02%Real return: +0.95%APY minus CPI (February 2026) offering 6 months at 3.75% APY, Harford BankHarford Bank505 S Main St, Bel Air, MD 21014A5.0 ★Texas Ratio: 11.55%Real return: +0.90%APY minus CPI (February 2026) offering 6 Month at 3.70% APY, Rosedale FSLRosedale FSL1009 E Churchville Rd, Bel Air, MD 21014A+5.0 ★Texas Ratio: 1.13%Real return: +0.85%APY minus CPI (February 2026) offering 12-month at 3.65% APY, and M&T BankM&T Bank221 South Main Street, Bel Air, MD 21014A5.0 ★Texas Ratio: 11.17%Real return: +0.80%APY minus CPI (February 2026) offering 18-Month M&T Select CD at 3.60% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Bel Air has 43 local institutions in our database, with CD rates as high as 3.80% APY from Point Breeze Credit Union at 410 S Atwood Rd, Bel Air, MD 21014 4170. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Maryland area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in Bel Air, Maryland & the Surrounding Area
Bel Air 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
3 months
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
115 Baltimore Pike, Bel Air, MD 21014
3 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
603 Bel Air Rd, Bel Air, MD 21014
3 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
603 Bel Air Rd, Bel Air, MD 21014
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month
$500
3.88%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
3 Month Regular Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month
$500
3.62%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Short Term. Quick Savings.
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Short Term. Quick Savings. New Money Minimum
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3-Month New Money
$0
3.55%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Visit or Call
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
3 Month IRA
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
3 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3 Month Share Certificate
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3-Month Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Better Rewards
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3-Month Certificate
$0
2.55%
▼
Rate2.51%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Business 3 Month
$0
2.55%
▼
Rate2.51%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
3 Months Certificate
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Preferred APY: 2.60%
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
IRA Minimum: $250
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3-Month Certificate of Deposit
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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: 3.69%
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★Texas Ratio: 22.57%
3-Month
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★Texas Ratio: 22.57%
Business 3-Month
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Bel Air 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
410 S Atwood Rd, Bel Air, MD 21014 4170
Business 6 Month Jumbo CD
$10,000
3.80%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 25, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
410 S Atwood Rd, Bel Air, MD 21014 4170
Business 6 Month Standard CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
6 months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
505 S Main St, Bel Air, MD 21014
6 Month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
115 Baltimore Pike, Bel Air, MD 21014
6 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
603 Bel Air Rd, Bel Air, MD 21014
6 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
603 Bel Air Rd, Bel Air, MD 21014
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month Youth Saver
$500
5.00%
▼
Rate4.88%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
only
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Visit or Call
Rate3.68%
Min Deposit$7,500
Min Balance—
UpdatedJul 12, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
6 Month Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
IRA Certificates 6 Months
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month
$500
3.62%
▼
Rate3.56%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 6 months
$0
3.58%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 6 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
6 Month IRA
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
6 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6-Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Better Rewards
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 6 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month
$500
3.38%
▼
Rate3.32%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Months (182 Days)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (6 month term)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
6 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
IRA Minimum: $250
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
6 Months Regular
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.25%
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6-Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Business 6 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
6 Months Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Preferred APY: 3.25%
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Fixed Rate Share Certificates 6-month
$1,000
2.55%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Minimum Deposit $500
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month Share Certificate
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month Share Certificate
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month Share Certificate
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month Share Certificate
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate1.97%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Month - Certificate
$1,000
0.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Youth Share Certificates 6 Month - Certificate
$100
0.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
Bel Air 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
410 S Atwood Rd, Bel Air, MD 21014 4170
Business 12 Month Jumbo CD
$10,000
3.75%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 25, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
410 S Atwood Rd, Bel Air, MD 21014 4170
Business 12 Month Standard CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
1-year Jumbo
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rosedale FSL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1009 E Churchville Rd, Bel Air, MD 21014
12-month
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
APY
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
1 year
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
505 S Main St, Bel Air, MD 21014
12 Month
$1,000
3.45%
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
1-year Add-On
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
603 Bel Air Rd, Bel Air, MD 21014
1 year Standard Interest Rate
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
603 Bel Air Rd, Bel Air, MD 21014
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
603 Bel Air Rd, Bel Air, MD 21014
1 year Standard Interest Rate
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 1.51%
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
115 Baltimore Pike, Bel Air, MD 21014
12 Month CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY: 1.00%
Rate4.31%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 1 year
$0
4.40%
▼
Rate4.31%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12-month New Money Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Star Member rate. Funds must be brought from another financial institution.
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12-month New Money Certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
New Money Certificate. Funds must be brought from another financial institution.
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1 Year Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12-Month Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Better Rewards
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
12 Month CD Online and In Branch
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
No additional deposits after initial deposit.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
1-Year Share Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
12 Month IRA
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
12 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
12 Month Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 12 months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 90 days' dividends
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1 Year
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Minimum Deposit $500
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 12-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 12 Month
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 12 months
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Baltimore County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
12 months
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
12-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Fixed Rate Share Certificates 12-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 12 months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
12 Month CD/IRA
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
with one-time bump up
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
IRA Certificates 12 Months
$0
3.62%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 1-year term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
12 Month Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
12 Months Regular
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.75%
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Bel Air 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
221 South Main Street, Bel Air, MD 21014
18-Month M&T Select CD
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
505 S Main St, Bel Air, MD 21014
18 Month
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
18 months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
115 Baltimore Pike, Bel Air, MD 21014
18 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
18 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Minimum Deposit $500
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
18 Month CD Online and In Branch
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
No additional deposits after initial deposit.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedJul 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedJul 12, 2026
Details
Variable-Rate*
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
18 Month Regular & IRA Accumulator Certificates
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
18 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
18 Month IRA
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Rollover Share Certificate 18 months
$0
3.47%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.)
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month CD/IRA
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18-Month Certificate
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Better Rewards
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
IRA Certificates 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
IRA Minimum: $250
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
18 Months Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Preferred APY: 3.50%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Traditional IRA 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
SEP IRA 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Roth IRA 18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Months Regular
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month SEP IRA Term Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month Roth IRA Term Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.35%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month IRA Term Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.35%
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
Rising Rate CD/IRA 18 Months
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18-Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Business 18 Month
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate2.35%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
18 Month IRA Certificate
$100
2.35%
▼
Rate2.35%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 Month
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 months
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Certificates 18 months
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 months
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Certificates 18 months
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 months
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Certificates 18 months
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
18 months
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Certificates 18 months
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Bel Air 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
410 S Atwood Rd, Bel Air, MD 21014 4170
Business 24 Month Jumbo CD
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 25, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
410 S Atwood Rd, Bel Air, MD 21014 4170
Business 24 Month Standard CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
2-year Jumbo
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
2 years
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
505 S Main St, Bel Air, MD 21014
24 Month
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
115 Baltimore Pike, Bel Air, MD 21014
24 Month CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 2 year
$0
4.45%
▼
Rate4.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Minimum Deposit $500+
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 2-year term
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Fixed Rate Share Certificates 24-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
24-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
24 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (24 month term)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 24 months
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
24 Month IRA
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
24 Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
IRA Minimum: $250
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2 Years
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 24 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 24 months
$0
3.43%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24-Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Better Rewards
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
24 Months Regular
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.60%
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
Rising Rate CD/IRA 24 Months
$10,000
3.25%
▼
Rate3.21%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
24 Months Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Preferred APY: 3.55%
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
IRA Certificates 24 Months
$0
3.18%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
24 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
24 Month CD/IRA
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate2.93%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24-Month Certificate
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Business 24 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
2 Year - Certificate or IRA Certificate
$1,000
2.78%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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.
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Youth Share Certificates 2 Year - Certificate
$100
2.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
Bel Air 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
410 S Atwood Rd, Bel Air, MD 21014 4170
Business 36 Month Standard CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
410 S Atwood Rd, Bel Air, MD 21014 4170
Business 36 Month Jumbo CD
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 25, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
3 years
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
505 S Main St, Bel Air, MD 21014
36 Month
$1,000
2.55%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
115 Baltimore Pike, Bel Air, MD 21014
3 Year CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 3 year
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
36 Month IRA
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
36 Month Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 3-year term
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
36-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Fixed Rate Share Certificates 36-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Visit or Call
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 36 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
3 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
36 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
3-year term
$50
3.56%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedJul 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 3-year term
$50
3.56%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedJul 12, 2026
Details
Variable-Rate*
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 36 months
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
IRA Minimum: $250
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Years
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 36 months
$0
3.47%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 36 months
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
36 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
No additional deposits after initial deposit.
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
IRA Certificates 36 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
36 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Minimum Deposit $500+
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
36 Months Regular
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.40%
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Better Rewards
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
36 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
36 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
36 Months Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Preferred APY: 3.25%
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36-Month Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Business 36 Month
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate2.54%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Year - Certificate or IRA Certificate
$1,000
2.52%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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.
Bel Air 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
505 S Main St, Bel Air, MD 21014
48 Month
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Step-Up
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
4 years
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4 year Mini-Jumbo
$0
4.30%
▼
Rate4.21%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4 year Mini-Jumbo IRA Share Certificate
$0
4.30%
▼
Rate4.21%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 4 year
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
48 Month IRA
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
48 Month Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificate (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
48-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Fixed Rate Share Certificates 48-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 4-year term
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4 year Bump-Up
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4 year Bump-Up IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
48 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 48 months
$0
3.32%
▼
Rate3.28%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 48 months
$0
3.11%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 48 months
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
48 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
48 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Minimum Deposit $500+
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Preferred APY: 3.35%
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
48 Months Regular
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.15%
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
IRA Minimum: $250
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
48 Month CD/IRA
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.86%
IRA Certificates 48 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
4 Year - Certificate or IRA Certificate
$1,000
2.42%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Youth Share Certificates 4 Year - Certificate
$100
2.40%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
4 years
$0
1.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Certificates 4 years
$0
1.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
4 years
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Certificates 4 years
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
4 years
$0
1.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
Certificates 4 years
$0
1.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Bel Air 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
505 S Main St, Bel Air, MD 21014
60 Month
$1,000
2.85%
▼
Rate2.82%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
5 years
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
210 Plumtree Rd, Bel Air, MD 21015 6011
5-year Step-Up
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
115 Baltimore Pike, Bel Air, MD 21014
5 Year
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
5 year Mini-Jumbo
$0
4.35%
▼
Rate4.26%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
5 year Mini-Jumbo IRA Share Certificate
$0
4.35%
▼
Rate4.26%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 5 year
$0
4.20%
▼
Rate4.11%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
60 Month Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
60 Month IRA
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Penalty: Loss of 180 days' dividends
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
60 Month Golden Year Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
No penalty for 1 withdrawal. Each additional withdrawal incurs a penalty equal to 180 days' dividends.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
5 year Bump-Up IRA Share Certificate
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
60-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
5 year Bump-Up
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Fixed Rate Share Certificates 60-month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 5-year term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
60 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
5 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 60 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 60 months
$0
3.42%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 60 months
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
No additional deposits after initial deposit.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
5-year term
$50
3.25%
▼
Rate3.20%
Min Deposit$50
Min Balance—
UpdatedJul 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 5-year term
$50
3.25%
▼
Rate3.20%
Min Deposit$50
Min Balance—
UpdatedJul 12, 2026
Details
Variable-Rate*
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
60 Months Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Preferred APY: 3.45%
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
IRA Minimum: $250
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Minimum Deposit $500+
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
60 Month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
60 Month CD/IRA
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Traditional IRA 60 Month
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.00%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
SEP IRA 60 Month
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.00%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
Roth IRA 60 Month
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.00%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
60 Months Regular
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.00%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
60 Month SEP IRA Term Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.00%
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
60 Month Roth IRA Term Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FedPerks APY: 3.00%
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Bel Air, MD CD Rate Trends
Compare local Bel Air, MD CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MD Avg
2.616%
▲ 0.013 vs 7 days ago
Maryland 12-month CD rates rose 0.013 points over the past 7 days to 2.616% APY.
6-Month CD — MD Avg
1.879%
▲ 0.022 vs 7 days ago
Maryland 6-month CD rates rose 0.022 points over the past 7 days to 1.879% APY.
As of Jul 27, 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 July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MD 12-Month Avg APY
2.616%
6-Month Forecast
2.616%
Range: 2.42% – 2.77%
12-Month Forecast
2.366%
Range: 2.17% – 2.52%
Powered by
MonitorBankRates
What Your Savings Earn at MD CD Rates Today
Annual interest earnings at today’s Maryland average APYs. State average used where available; national average as fallback.
| CD Term | MD Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.288% | $64.41 | $128.81 | $322.03 | $644.05 |
| 6-Month CD | 1.879% | $93.94 | $187.87 | $469.68 | $939.35 |
| 12-Month CD | 2.616% | $130.82 | $261.64 | $654.10 | $1,308.20 |
| 18-Month CD | 2.960% | $148.02 | $296.03 | $740.08 | $1,480.15 |
| 24-Month CD | 2.820% | $140.99 | $281.97 | $704.93 | $1,409.85 |
| 36-Month CD | 2.983% | $149.17 | $298.34 | $745.85 | $1,491.70 |
| 48-Month CD | 3.097% | $154.86 | $309.71 | $774.28 | $1,548.55 |
| 60-Month CD | 2.803% | $140.15 | $280.30 | $700.75 | $1,401.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for Bel Air, 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 | 1.288% | $64.41 |
| 2 | 6-Month CD | $5,000 | 1.879% | $93.94 |
| 3 | 12-Month CD | $5,000 | 2.616% | $130.82 |
| 4 | 24-Month CD | $5,000 | 2.820% | $140.99 |
| 5 | 36-Month CD | $5,000 | 2.983% | $149.17 |
| Total ($25,000 invested) | $25,000 | 2.317% blended | $579.33/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.
478
CD Rates
Tracked in Bel Air, Maryland
Tracked in Bel Air, Maryland
24 Banks
28 Credit Unions
About Our Bel Air, Maryland CD Rate Database
MonitorBankRates tracks 478 CD rates from 24 banks and 28 credit unions with locations in Bel Air, 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: Point Breeze Credit Union offers a CD at 3.80% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Bel Air, Maryland.
How to Find the Best CD Rates in Bel Air, Maryland
What to compare when shopping for a CD in Bel Air, Maryland
To find the best APYs in Bel Air, Maryland, start with credit unions and online-only banks — Bel Air, Maryland has 28 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 Bel Air, 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 Bel Air, Maryland — 52 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Bel Air, Maryland savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Bel Air, Maryland money market rates
Bel Air, Maryland Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
21.8%
National avg: 17.3%
Median Individual Earnings
$45,799
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$120/yr
At MD 12-mo avg 2.616% APY
21.8% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s MD 12-month CD average of 2.616%, saving 10% of the local median salary ($4,579/year) and putting it in a CD would earn an additional $120 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 Bel Air, 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 Bel Air, 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 Bel Air, 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 Bel Air, Maryland as everywhere in the U.S.
Choosing a CD Term in Bel Air, 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 Bel Air, Maryland savers easier access to their funds. For example, Point Breeze Credit Union is offering its Business 6 Month Jumbo CD at 3.80% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Harford Bank is offering its 60 Month at 2.85% 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 Bel Air, 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 Bel Air, 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 Bel Air, 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 Bel Air, 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 Bel Air, Maryland
Most CDs carry a fixed rate that is locked for the entire term, protecting a Bel Air, 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 Bel Air, Maryland
Are CD rates in Bel Air, Maryland FDIC insured?
Yes, most established banks in Bel Air, 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 Bel Air, 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 Bel Air, 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 Bel Air, 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 Bel Air, Maryland?
Here are recent top rates found for this area:
- Point Breeze Credit Union: 3.80% APY (Business 6 Month Standard CD)
- State Employees Credit Union: 3.75% APY (6 months)
- Harford Bank: 3.70% APY (6 Month)
- Rosedale FSL: 3.65% APY (12-month)
- M&T Bank: 3.60% APY (18-Month M&T Select CD)
- Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
- TD Bank: 1.00% APY (5 Year)
- NATIONAL INSTITUTES OF HEALTH: 5.00% APY (6 Month Youth Saver)
- Tower Federal Credit Union: 4.45% APY (2 year)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
Rates reflect recent verified offers available in Bel Air, Maryland. Last Updated: July 25, 2026
CD Calculators for Bel Air, Maryland
Bel Air, Maryland CD Calculator
At today’s MD top rate of 3.80% APY, a $10,000 deposit earns $380 in the first year. Enter your amount to see your exact return.
Bel Air, Maryland CD LadderMD CD rates currently range from 1.288% (3-month) to 2.983% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bel Air, Maryland CD at 3.80% 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 2.616% 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 Bel Air, 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 Bel Air, 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 Bel Air, 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: July 25, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking