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CD Rate Trends

Berlin, Maryland Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Berlin, Maryland CD rates range from 0.01% to 5.20% APY, verified by MonitorBankRates as of October 14, 2026. Current Berlin, Maryland CD rates include M&T BankM&T Bank11003 Manklin Creek Rd, Berlin, MD 21811A+5.0 ★Texas Ratio: 4.11%Real return: +1.05%APY minus CPI (February 2026) offering 18 Month Select Certificate of Deposit at 3.85% APY, First Shore Federal S&LFirst Shore Federal S&L310 Franklin Ave, Berlin, MD 21811A+5.0 ★Texas Ratio: 3.97%Real return: +0.70%APY minus CPI (February 2026) offering 24 Month Regular CD at 3.50% APY, TruistTruist11111 Racetrack Rd, Berlin, MD 21811A+5.0 ★Texas Ratio: 2.87%Real return: +0.45%APY minus CPI (February 2026) offering CD - 12-Month Special Rate at 3.25% APY, Calvin B. Taylor Banking CompanyCalvin B. Taylor Banking Company24 N Main St, Berlin, MD 21811A+5.0 ★Texas Ratio: 4.46%Real return: +0.45%APY minus CPI (February 2026) offering Certificate of Deposit - 6 Months at 3.25% APY, and PNC BankPNC Bank11045 Racetrack Rd, Berlin, MD 21811A+5.0 ★Texas Ratio: 4.24%Real return: -2.77%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 0.03% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Berlin has 70 local institutions in our database, with CD rates as high as 3.85% APY from M&T Bank at 11003 Manklin Creek Rd, Berlin, MD 21811. 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, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026

Compare Best CD Rates in Berlin, Maryland & the Surrounding Area

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

Berlin 3 Month CD Rates

Maryland 3 Month CD Average1.66% APYNational 2.09%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
Certificate of Deposit - 3 Months
$1,000
3.00% ▲ 1.34% above Maryland avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▲ 1.34% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
3 Month Regular CD
$500
2.00% ▲ 0.34% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
3 Month Certificate of Deposit
$0
0.03% ▼ 1.63% below Maryland avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.63% below avgNationally 2.09%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
3 Month Certificate of Deposit
$0
0.02% ▼ 1.64% below Maryland avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.64% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
3 Month Certificate of Deposit
$0
0.01% ▼ 1.65% below Maryland avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.65% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 3 Month
$500
3.88% ▲ 2.22% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▲ 2.22% above avgNationally 2.09%
Details

IRA products not available online; open at any branch or by calling 1-800-877-6440

Rate History
No change since Oct 14, 2026 · 3.88% APY
3.38%3.88%4.38%Oct 14, 2026: 3.88% APYOct 14, 2026Oct 14, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
3 Month Regular Certificates
$0
3.80% ▲ 2.14% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 2.14% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70% ▲ 2.04% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▲ 2.04% above avgNationally 2.09%
Details

Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate Specials - (Share, IRA) 3-Month
$0
3.70% ▲ 2.04% above Maryland avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 2.04% above avgNationally 2.09%
Details

New Money

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 3 Months
$1,000
3.65% ▲ 1.99% above Maryland avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▲ 1.99% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 14, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
3 Month Share Certificate
$1,000
3.50% ▲ 1.84% above Maryland avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.84% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 25, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
2.65%3.33%4.00%Sep 25, 2026: 3.15% APYOct 4, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.50%▲ from 3.15%
  • Sep 25, 20263.15%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Business Certificates - 3 Months
$0
3.44% ▲ 1.78% above Maryland avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 1.78% above avgNationally 2.09%
Details

Effective Date: Tuesday, October 13th, 2026

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Share Certificates - 3 Months
$0
3.41% ▲ 1.75% above Maryland avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 1.75% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 7 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Oct 14, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Jumbo Certificate
$0
3.20% ▲ 1.54% above Maryland avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.54% above avgNationally 2.09%
Details

Balance: $50,000 Minimum

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Jumbo Certificates - Star Member
$0
3.10% ▲ 1.44% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.44% above avgNationally 2.09%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Certificate - Star Member
$0
3.05% ▲ 1.39% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.39% above avgNationally 2.09%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Jumbo Certificates
$0
3.05% ▲ 1.39% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.39% above avgNationally 2.09%
Details

Rate History
No change since Sep 21, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 21, 2026: 3.05% APYSep 21, 2026Oct 14, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3 Month Standard CDs and IRAs
$0
3.00% ▲ 1.34% above Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▲ 1.34% above avgNationally 2.09%
Details

Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Certificate
$0
3.00% ▲ 1.34% above Maryland avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.34% above avgNationally 2.09%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Business) 3 Month
$0
2.80% ▲ 1.14% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details

Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 12, 2026: 2.55% APYOct 4, 2026: 2.80% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20262.80%▲ from 2.55%
  • Sep 12, 20262.55%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 3-Month
$0
2.80% ▲ 1.14% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details

Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 12, 2026: 2.55% APYOct 4, 2026: 2.80% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20262.80%▲ from 2.55%
  • Sep 12, 20262.55%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 3-Month
$0
2.80% ▲ 1.14% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 1.14% above avgNationally 2.09%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 12, 2026: 2.80% APYOct 12, 2026Oct 14, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 3 Months - Preferred
$500
2.60% ▲ 0.94% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.94% above avgNationally 2.09%
Details

Preferred APY; includes 0.35% premium; Direct Deposit and eStatements required; $500 minimum to open

Rate History
No change since Oct 12, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 12, 2026: 2.60% APYOct 12, 2026Oct 14, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month Certificate
$500
2.25% ▲ 0.59% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.59% above avgNationally 2.09%
Details

Regular, IRA, & ESA Certificate; Base APY; Dividends compounded daily and credited monthly; Rates effective as of 10/12/2026

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 14, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 3 Months
$500
2.25% ▲ 0.59% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.59% above avgNationally 2.09%
Details

Base APY; $500 minimum to open

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 14, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Certificate
$0
2.10% ▲ 0.44% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 14, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Jumbo Certificate
$0
2.10% ▲ 0.44% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.44% above avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit 3 Month
$500
2.00% ▲ 0.34% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Month Certificate
$0
2.00% ▲ 0.34% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Month Jumbo Certificate
$0
2.00% ▲ 0.34% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Certificate of Deposit - 3 months
$500
2.00% ▲ 0.34% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 0.34% above avgNationally 2.09%
Details

Open now

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.70% ▲ 0.04% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▲ 0.04% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 5, 2026 · 1.70% APY · checked 3 times
1.20%1.70%2.20%Oct 5, 2026: 1.70% APYOct 5, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.65% ▼ 0.01% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.01% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 5, 2026 · 1.65% APY · checked 3 times
1.15%1.65%2.15%Oct 5, 2026: 1.65% APYOct 5, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.60% ▼ 0.06% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.06% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 5, 2026 · 1.60% APY · checked 3 times
1.10%1.60%2.10%Oct 5, 2026: 1.60% APYOct 5, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.11% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.11% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Easy Builder Short Term Certificate Account
$250
1.51% ▼ 0.15% below Maryland avg
View
▼
Rate1.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 0.15% below avgNationally 2.09%
Details

Minimum: $250.00 ($50.00 Young Investor Option); Young Investor Option: $50.00 minimum opening deposit

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Short Term Certificate Account
$1,000
1.51% ▼ 0.15% below Maryland avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 0.15% below avgNationally 2.09%
Details

APY assumes reinvestment at the same term for 12 months

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.16% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.16% below avgNationally 2.09%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.50% ▼ 0.16% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average1.66%▼ 0.16% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 5, 2026: 1.50% APYOct 5, 2026Oct 14, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
Platinum Account Holders Certificates of Deposit - 3 Months
$1,000
1.36% ▼ 0.30% below Maryland avg
View
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.30% below avgNationally 2.09%
Details

Platinum account holders; Early Withdrawal Penalty: 30 days' simple interest

Rate History
No change since Sep 19, 2026 · 1.36% APY · checked 8 times
0.86%1.36%1.86%Sep 19, 2026: 1.36% APYSep 19, 2026Oct 14, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
Certificates of Deposit - 3 Months
$1,000
1.26% ▼ 0.40% below Maryland avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.40% below avgNationally 2.09%
Details

Early Withdrawal Penalty: 30 days' simple interest

Rate History
No change since Sep 7, 2026 · 1.26% APY · checked 9 times
0.76%1.26%1.76%Sep 7, 2026: 1.26% APYSep 7, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
30 - 90 Day Jumbo Share Certificates
$100,000
1.10% ▼ 0.56% below Maryland avg
View
▼
Rate1.09%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.56% below avgNationally 2.09%
Details

Rate History
1 change since Sep 22, 2026 · 1.05% → 1.10% ▲ 0.05 pts · high 1.10% / low 1.05%
0.55%1.08%1.60%Sep 22, 2026: 1.05% APYOct 14, 2026: 1.10% APYSep 22, 2026Oct 14, 2026
  • Oct 14, 20261.10%▲ from 1.05%
  • Sep 22, 20261.05%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 3 month
$500
1.05% ▼ 0.61% below Maryland avg
View
▼
Rate1.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.61% below avgNationally 2.09%
Details

Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on Individual Retirement Accounts; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 1.05% APY
0.55%1.05%1.55%Oct 14, 2026: 1.05% APYOct 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month CD
$0
1.00% ▼ 0.66% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.66% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$0
1.00% ▼ 0.66% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.66% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99; Standard APY

Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 2, 2026: 1.00% APYOct 2, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
3 Month Certificates of Deposit
$0
0.70% ▼ 0.96% below Maryland avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 0.96% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 14, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
3 Month Certificate
$0
0.65% ▼ 1.01% below Maryland avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average1.66%▼ 1.01% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60% ▼ 1.06% below Maryland avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.06% below avgNationally 2.09%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50% ▼ 1.16% below Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.16% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Month CD
$0
0.50% ▼ 1.16% below Maryland avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average1.66%▼ 1.16% below avgNationally 2.09%
Details

Balance: $100,000 and up

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026

Berlin 6 Month CD Rates

Maryland 6 Month CD Average2.78% APYNational 2.77%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
Certificate of Deposit - 6 Months
$1,000
3.25% ▲ 0.47% above Maryland avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.47% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
IRA Certificate - Fixed - 6 Months
$100
3.25% ▲ 0.47% above Maryland avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.47% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
6 Month Regular CD
$500
3.00% ▲ 0.22% above Maryland avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.22% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
6 Month Certificate of Deposit
$0
0.03% ▼ 2.75% below Maryland avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▼ 2.75% below avgNationally 2.77%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 6 Months
$250
0.03% ▼ 2.75% below Maryland avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▼ 2.75% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
6 Month Certificate of Deposit
$0
0.02% ▼ 2.76% below Maryland avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▼ 2.76% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 6 Months
$250
0.02% ▼ 2.76% below Maryland avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▼ 2.76% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
6 Month Certificate of Deposit
$0
0.01% ▼ 2.77% below Maryland avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▼ 2.77% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 6 Months
$250
0.01% ▼ 2.77% below Maryland avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▼ 2.77% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month Share Certificate
$0
4.30% ▲ 1.52% above Maryland avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 1.52% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20% ▲ 1.42% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 1.42% above avgNationally 2.77%
Details

New 6-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
6 Month CD
$1,000
4.20% ▲ 1.42% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 1.42% above avgNationally 2.77%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 6 Months
$1,000
4.20% ▲ 1.42% above Maryland avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 1.42% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
6 Month Certificate of Deposit (CD)
$0
4.18% ▲ 1.40% above Maryland avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.40% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 21, 2026 · 4.18% → 4.18% ▼ 0.00 pts · high 4.18% / low 4.15%
3.65%4.17%4.68%Sep 21, 2026: 4.18% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.18% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.18%▲ from 4.15%
  • Oct 5, 20264.15%▼ from 4.18%
  • Sep 21, 20264.18%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 6-Month
$0
4.15% ▲ 1.37% above Maryland avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.37% above avgNationally 2.77%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Month Share Certificate
$500
4.13% ▲ 1.35% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.35% above avgNationally 2.77%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 6 Months
$500
4.13% ▲ 1.35% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.35% above avgNationally 2.77%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate 6-Month Certificate 70th Anniversary Special
$0
4.02% ▲ 1.24% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 1.24% above avgNationally 2.77%
Details

70th Anniversary Special; Minimum balance to open $500.00; Funds must be new money to the Credit Union

Rate History
No change since Sep 30, 2026 · 4.02% APY · checked 5 times
3.52%4.02%4.52%Sep 30, 2026: 4.02% APYSep 30, 2026Oct 14, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Regular And IRA Share Certificates
$500
4.00% ▲ 1.22% above Maryland avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Not offered for IRA Certificate; Dividends compounded and paid monthly; Penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 14, 2026: 3.35% APYSep 25, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.00%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Month Share Certificate
$500
3.87% ▲ 1.09% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.09% above avgNationally 2.77%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month Jumbo Certificate
$0
3.85% ▲ 1.07% above Maryland avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.07% above avgNationally 2.77%
Details

Balance: $50,000 Minimum

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 14, 2026
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month Standard and IRA Certificate
$0
3.85% ▲ 1.07% above Maryland avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.07% above avgNationally 2.77%
Details

Balance: $100 Minimum

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 6 Months
$500
3.82% ▲ 1.04% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.04% above avgNationally 2.77%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
3.32%4.04%4.75%Oct 4, 2026: 4.25% APYOct 12, 2026: 3.82% APYOct 4, 2026Oct 14, 2026
  • Oct 12, 20263.82%▼ from 4.25%
  • Oct 4, 20264.25%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 6 Months
$500
3.82% ▲ 1.04% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.04% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$7,500
3.80% ▲ 1.02% above Maryland avg
View
▼
Rate3.68%
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Jumbo Certificates - Star Member
$0
3.80% ▲ 1.02% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.77%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
6 Month Regular & IRA Certificates
$0
3.80% ▲ 1.02% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 1.02% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6 Month WooriWON Certificate of Deposit (CD)
$1,000
3.75% ▲ 0.97% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details

Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
6 Month Share Certificate
$500
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details

Not eligible for IRA Terms; minimum $500 to open

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 6 Months
$500
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details

Not eligible for IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Certificate - Star Member
$0
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Jumbo Certificates
$0
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75% ▲ 0.97% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.97% above avgNationally 2.77%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
Certificate - 6 Month
$1,000
3.70% ▲ 0.92% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Certificate
$0
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Jumbo Certificate
$0
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Certificate
$0
3.70% ▲ 0.92% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6 Month Jumbo CD
$10,000
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details

Compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6 Month Standard CD
$500
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details

Compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 6 Month Jumbo CD
$10,000
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 6 Month Standard CD
$500
3.70% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.92% above avgNationally 2.77%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
JUMBO Share Certificate - 6 Month Term
$50,000
3.68% ▲ 0.90% above Maryland avg
View
▼
Rate3.63%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.90% above avgNationally 2.77%
Details

Dividends compounded and paid quarterly

Rate History
4 changes since Sep 14, 2026 · 3.53% → 3.68% ▲ 0.15 pts · high 3.72% / low 3.36%
2.86%3.54%4.22%Sep 14, 2026: 3.53% APYSep 20, 2026: 3.36% APYSep 25, 2026: 3.37% APYOct 4, 2026: 3.72% APYOct 8, 2026: 3.68% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.68%▼ from 3.72%
  • Oct 4, 20263.72%▲ from 3.37%
  • Sep 25, 20263.37%▲ from 3.36%
  • Sep 20, 20263.36%▼ from 3.53%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.88% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.88% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
The Bank of Glen Burnie
Institution Rating:
B-3.4 ★Texas Ratio: 3.14%
6 Month Certificate
$500
3.65% ▲ 0.87% above Maryland avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 0.50% → 3.65% ▲ 3.15 pts · high 3.65% / low 0.50%
0.00%3.40%6.80%Sep 14, 2026: 0.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.65%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Business) 6 Month
$0
3.65% ▲ 0.87% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details

Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 12, 2026: 3.40% APYOct 4, 2026: 3.65% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20263.65%▲ from 3.40%
  • Sep 12, 20263.40%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 6-Month
$0
3.65% ▲ 0.87% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details

Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 12, 2026: 3.40% APYOct 4, 2026: 3.65% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20263.65%▲ from 3.40%
  • Sep 12, 20263.40%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
6 Month Certificates
$1,000
3.65% ▲ 0.87% above Maryland avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details

Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly; This certificate will renew at a 6-month term unless otherwise asked for by the party holding the certificate; IRA certificates are not eligible

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Regular CD
$500
3.65% ▲ 0.87% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.78%▲ 0.87% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 14, 2026
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
BEE Share Certificate - 6 Month Term
$10,000
3.63% ▲ 0.85% above Maryland avg
View
▼
Rate3.58%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.78%▲ 0.85% above avgNationally 2.77%
Details

Dividends compounded and paid quarterly

Rate History
3 changes since Sep 14, 2026 · 3.47% → 3.63% ▲ 0.16 pts · high 3.64% / low 3.47%
2.97%3.56%4.14%Sep 14, 2026: 3.47% APYSep 20, 2026: 3.52% APYOct 4, 2026: 3.64% APYOct 8, 2026: 3.63% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.63%▼ from 3.64%
  • Oct 4, 20263.64%▲ from 3.52%
  • Sep 20, 20263.52%▲ from 3.47%
  • Sep 14, 20263.47%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 6 Month
$500
3.62% ▲ 0.84% above Maryland avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.78%▲ 0.84% above avgNationally 2.77%
Details

IRA products not available online; open at any branch or by calling 1-800-877-6440

Rate History
No change since Oct 14, 2026 · 3.63% APY
3.13%3.63%4.13%Oct 14, 2026: 3.63% APYOct 14, 2026Oct 14, 2026

Berlin 12 Month CD Rates

Maryland 12 Month CD Average3.25% APYNational 2.99%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
11111 Racetrack Rd, Berlin, MD 21811
CD - 12-Month Special Rate
$0
3.25% At Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%At the averageNationally 2.99%
Details

Balance: $100,000 and above; special rate on select new CD accounts; Balance builds toward Truist One Checking perks

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
12 Month Regular CD
$500
3.25% At Maryland avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%At the averageNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
IRA Certificate - Fixed - 12 Months
$100
3.00% ▼ 0.25% below Maryland avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 0.25% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 14, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
Certificate of Deposit - 12 Months
$1,000
2.75% ▼ 0.50% below Maryland avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 0.50% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
12 Month Add To CD
$200
2.00% ▼ 1.25% below Maryland avg
View
▼
Rate2.00%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 1.25% below avgNationally 2.99%
Details

Minimum to open IRAs: N/A; Additional deposits may be made anytime during your Add-To CD's term; *Based upon funds being on deposit for one year at this rate; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
Add To CD (CDs Only) - 12 Months
$200
2.00% ▼ 1.25% below Maryland avg
View
▼
Rate2.00%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 1.25% below avgNationally 2.99%
Details

Additional deposits may be made anytime during your Add-To CD; Minimum to Open for IRAs: N/A

Rate History
No change since Oct 14, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
12 Month Certificate of Deposit
$0
0.03% ▼ 3.22% below Maryland avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 3.22% below avgNationally 2.99%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 12 Months
$250
0.03% ▼ 3.22% below Maryland avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 3.22% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
12 Month Certificate of Deposit
$0
0.02% ▼ 3.23% below Maryland avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 3.23% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 12 Months
$250
0.02% ▼ 3.23% below Maryland avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 3.23% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
12 Month Certificate of Deposit
$0
0.01% ▼ 3.24% below Maryland avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 3.24% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 12 Months
$250
0.01% ▼ 3.24% below Maryland avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▼ 3.24% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 12 Month Jumbo
$100,000
5.00% ▲ 1.75% above Maryland avg
View
▼
Rate4.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.75% above avgNationally 2.99%
Details

Jumbo certificate; cannot be opened online; visit any branch or call 1-800-877-6440

Rate History
No change since Oct 14, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate Special - 1 Year Certificate
$0
5.00% ▲ 1.75% above Maryland avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.75% above avgNationally 2.99%
Details

Qualifications Required: Checking account; First Eagle debit card; monthly deposits of at least $100.00; Special APY requires a Checking account, First Eagle debit card and monthly deposits of at least $100.00 (must have Checking); funds must be new money to the Credit Union; deposit up to $100,000; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 1 year
$500
4.95% ▲ 1.70% above Maryland avg
View
▼
Rate4.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.70% above avgNationally 2.99%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 14, 2026: 4.95% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 1 year
$500
4.95% ▲ 1.70% above Maryland avg
View
▼
Rate4.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.70% above avgNationally 2.99%
Details

IRA share certificate; early withdrawal penalty applies before maturity

Rate History
1 change since Sep 14, 2026 · 4.55% → 4.95% ▲ 0.40 pts · high 4.95% / low 4.55%
4.05%4.75%5.45%Sep 14, 2026: 4.55% APYOct 10, 2026: 4.95% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.95%▲ from 4.55%
  • Sep 14, 20264.55%first recorded
POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12 Month CD
$500
4.59% ▲ 1.34% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.34% above avgNationally 2.99%
Details

High Rate CD Specials; Limited time only; Each account insured up to $250,000; POCUMD membership required to open a Certificate of Deposit

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%
3.55%4.33%5.11%Sep 14, 2026: 4.07% APYOct 14, 2026: 4.59% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.59%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 12 Month
$500
4.50% ▲ 1.25% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.25% above avgNationally 2.99%
Details

IRA products not available online; open at any branch or by calling 1-800-877-6440

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.50% ▲ 1.25% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.25% above avgNationally 2.99%
Details

Special Rate; featured rate from homepage; View all rate specials

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
12 Month CD Online and In Branch
$500
4.46% ▲ 1.21% above Maryland avg
View
▼
Rate4.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.21% above avgNationally 2.99%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.46% ▲ 0.16 pts · high 4.46% / low 4.30%
3.80%4.38%4.96%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.46% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.46%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
12-Month Term Certificate of Deposit
$500
4.46% ▲ 1.21% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.21% above avgNationally 2.99%
Details

Commercial deposit rate as of 10/6/2026; Maximum initial funding limit $500,000; Early withdrawal penalties may apply

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.46% ▲ 0.16 pts · high 4.46% / low 4.30%
3.80%4.38%4.96%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.46% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.46%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 Month CD
$1,000
4.45% ▲ 1.20% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.20% above avgNationally 2.99%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 7 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 12 Months
$1,000
4.45% ▲ 1.20% above Maryland avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 7 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.10% above Maryland avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month Share Certificate
$0
4.35% ▲ 1.10% above Maryland avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.35%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 12-Month
$0
4.35% ▲ 1.10% above Maryland avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 1.10% above avgNationally 2.99%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 14, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12-Month CD
$1,000
4.30% ▲ 1.05% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.05% above avgNationally 2.99%
Details

New 12-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
12 Month Certificate of Deposit (CD)
$0
4.29% ▲ 1.04% above Maryland avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 1.04% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 21, 2026 · 4.29% → 4.29% ▼ 0.00 pts · high 4.29% / low 4.25%
3.75%4.27%4.79%Sep 21, 2026: 4.29% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.29% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.29%▲ from 4.25%
  • Oct 5, 20264.25%▼ from 4.29%
  • Sep 21, 20264.29%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month Share Certificate Add-On
$0
4.25% ▲ 1.00% above Maryland avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details

Add-On certificate (footnote )

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 12 Months
$500
4.25% ▲ 1.00% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Oct 4, 2026: 4.30% APYOct 12, 2026: 4.25% APYOct 4, 2026Oct 14, 2026
  • Oct 12, 20264.25%▼ from 4.30%
  • Oct 4, 20264.30%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 12 Months
$500
4.25% ▲ 1.00% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 12 Months
$500
4.25% ▲ 1.00% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 14, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 1 Year Starter Add-On
$0
4.25% ▲ 1.00% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 1.00% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 14, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12 Month Certificate
$1,000
4.18% ▲ 0.93% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 20, 2026: 4.18% APYSep 20, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Month Share Certificate
$500
4.13% ▲ 0.88% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.88% above avgNationally 2.99%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 12 Months
$500
4.13% ▲ 0.88% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.88% above avgNationally 2.99%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 0.85% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.85% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 Month Regular And IRA Share Certificates
$500
4.10% ▲ 0.85% above Maryland avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.85% above avgNationally 2.99%
Details

Dividends compounded and paid monthly; Penalties apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 14, 2026: 3.30% APYSep 25, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.10%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.85% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.85% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 1 Year Add-On
$0
4.10% ▲ 0.85% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.85% above avgNationally 2.99%
Details

Balance: $1 - $1,000; Maximum Balance $1,000; Add funds at any time throughout the certificate term up to $1,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12-Month CD
$500
4.07% ▲ 0.82% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.82% above avgNationally 2.99%
Details

High-Rate CD Specials; limited time; each account insured up to $250,000

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 0.80% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.80% above avgNationally 2.99%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.77% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.77% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.25%▲ 0.77% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Month Easy Builder Long Term Certificate Account
$250
4.01% ▲ 0.76% above Maryland avg
View
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.76% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYOct 12, 2026: 4.01% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Month Long Term Certificate Account
$0
4.01% ▲ 0.76% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.76% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYOct 12, 2026: 4.01% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 12 months
$500
4.01% ▲ 0.76% above Maryland avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.25%▲ 0.76% above avgNationally 2.99%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00% ▲ 0.75% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details

1-year online CD; CD rate calculator table; Online CD

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.30% APYOct 14, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.00%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 12 Months
$0
4.00% ▲ 0.75% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details

Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.30% APYOct 14, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.00%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.75% above Maryland avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.25%▲ 0.75% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026

Berlin 18 Month CD Rates

Maryland 18 Month CD Average3.11% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
11003 Manklin Creek Rd, Berlin, MD 21811
18 Month Select Certificate of Deposit
$1,000
3.85% ▲ 0.74% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.74% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Minimum deposit of $1,000 to open a CD

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
11003 Manklin Creek Rd, Berlin, MD 21811
18-Month M&T Select CD
$1,000
3.85% ▲ 0.74% above Maryland avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.74% above avgNationally 2.88%
Details

Requires a qualifying M&T Bank checking account (MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking or Advantage Checking) to open; maximum deposit $1,000,000 per account ($750,000 if opened online); early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
18 Month Regular CD
$500
3.25% ▲ 0.14% above Maryland avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.14% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
Rising Rate (CDs + IRAs) - 18 Months
$500
3.00% ▼ 0.11% below Maryland avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 0.11% below avgNationally 2.88%
Details

Minimum to open for IRAs: $250; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 14, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
IRA Certificate - Fixed - 18 Months
$100
2.89% ▼ 0.22% below Maryland avg
View
▼
Rate2.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 2.89% APY
2.39%2.89%3.39%Oct 14, 2026: 2.89% APYOct 14, 2026Oct 14, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
Certificate of Deposit - 18 Months
$1,000
2.73% ▼ 0.38% below Maryland avg
View
▼
Rate2.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 0.38% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 2.73% APY
2.23%2.73%3.23%Oct 14, 2026: 2.73% APYOct 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
18 Month Certificate of Deposit
$0
0.03% ▼ 3.08% below Maryland avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 3.08% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 18 Months
$250
0.03% ▼ 3.08% below Maryland avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 3.08% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
18 Month Certificate of Deposit
$0
0.02% ▼ 3.09% below Maryland avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 3.09% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 18 Months
$250
0.02% ▼ 3.09% below Maryland avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 3.09% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
18 Month Certificate of Deposit
$0
0.01% ▼ 3.10% below Maryland avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 3.10% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 18 Months
$250
0.01% ▼ 3.10% below Maryland avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▼ 3.10% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Jumbo Certificates - Star Member
$0
4.65% ▲ 1.54% above Maryland avg
View
▼
Rate4.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.54% above avgNationally 2.88%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 12, 2026: 4.65% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate - Star Member
$0
4.60% ▲ 1.49% above Maryland avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.49% above avgNationally 2.88%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 12, 2026: 4.60% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Jumbo Certificates
$0
4.60% ▲ 1.49% above Maryland avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Sep 21, 2026: 4.60% APYSep 21, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 18 month
$500
4.60% ▲ 1.49% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 1.49% above avgNationally 2.88%
Details

Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on Individual Retirement Accounts; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 14, 2026: 4.60% APYOct 14, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate
$0
4.55% ▲ 1.44% above Maryland avg
View
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.44% above avgNationally 2.88%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 6 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 14, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
18 Month CD Online and In Branch
$500
4.50% ▲ 1.39% above Maryland avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 1.39% above avgNationally 2.88%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.50%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
18 Month Certificate of Deposit (CD)
$0
4.41% ▲ 1.30% above Maryland avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 1.30% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 21, 2026 · 4.41% → 4.41% ▼ 0.00 pts · high 4.41% / low 4.35%
3.85%4.38%4.91%Sep 21, 2026: 4.41% APYOct 5, 2026: 4.35% APYOct 13, 2026: 4.41% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.41%▲ from 4.35%
  • Oct 5, 20264.35%▼ from 4.41%
  • Sep 21, 20264.41%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40% ▲ 1.29% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 1.29% above avgNationally 2.88%
Details

New 18-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 14, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Month CD
$1,000
4.35% ▲ 1.24% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 1.24% above avgNationally 2.88%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 18 Months
$1,000
4.35% ▲ 1.24% above Maryland avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 1.24% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 18 Months
$500
4.30% ▲ 1.19% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.19% above avgNationally 2.88%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Oct 4, 2026: 4.35% APYOct 12, 2026: 4.30% APYOct 4, 2026Oct 14, 2026
  • Oct 12, 20264.30%▼ from 4.35%
  • Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 18 Months
$500
4.30% ▲ 1.19% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.19% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
3.04%3.99%4.93%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.30%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 18 Months
$500
4.30% ▲ 1.19% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.19% above avgNationally 2.88%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 14, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18 Month Certificate
$1,000
4.24% ▲ 1.13% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 1.13% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.24% APY · checked 6 times
3.74%4.24%4.74%Sep 20, 2026: 4.24% APYSep 20, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.04% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 1.04% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 0.99% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.99% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Regular Certificates
$1,000
4.07% ▲ 0.96% above Maryland avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
18 Month Share Certificate
$1,000
4.00% ▲ 0.89% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.89% above avgNationally 2.88%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 18 Months
$1,000
4.00% ▲ 0.89% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.89% above avgNationally 2.88%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 18 Month
$500
4.00% ▲ 0.89% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.89% above avgNationally 2.88%
Details

IRA products not available online; open at any branch or by calling 1-800-877-6440

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 18 Months
$500
3.80% ▲ 0.69% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 18 Months
$500
3.80% ▲ 0.69% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 14, 2026
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18-Month Share and IRA Certificate Special
$300
3.80% ▲ 0.69% above Maryland avg
View
▼
RateN/A
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details

Special certificate; fees could reduce earnings; penalty for early withdrawal; upon maturity renews to a 52-Week Regular Share or IRA Certificate

Rate History
1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 12, 2026: 3.55% APYOct 4, 2026: 3.80% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20263.80%▲ from 3.55%
  • Sep 12, 20263.55%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 0.69% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80% ▲ 0.69% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details

Regular APY; Dividend Rate 3.74%

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80% ▲ 0.69% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details

Rewards APY; Dividend Rate 3.74%

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80% ▲ 0.69% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.69% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 27, 2026: 3.65% APYOct 14, 2026: 3.80% APYSep 27, 2026Oct 14, 2026
  • Oct 14, 20263.80%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
18 Month Share Certificate
$500
3.75% ▲ 0.64% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.64% above avgNationally 2.88%
Details

Minimum Deposit $500

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 18-Month
$0
3.75% ▲ 0.64% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.64% above avgNationally 2.88%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.59% above Maryland avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.59% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA Variable-Rate Certificates - 18-month term
$50
3.66% ▲ 0.55% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.55% above avgNationally 2.88%
Details

Variable-Rate*

Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 4, 2026: 3.66% APYOct 4, 2026Oct 14, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Variable-Rate Certificate - 18-month term
$50
3.66% ▲ 0.55% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average3.11%▲ 0.55% above avgNationally 2.88%
Details

Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 14, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
18 Month Regular & IRA Accumulator Certificates
$0
3.65% ▲ 0.54% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CD
$0
3.60% ▲ 0.49% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.49% above avgNationally 2.88%
Details

CD rate calculator table; Online CD

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
2.90%3.95%5.00%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.60%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
360 CD - 18 Months
$0
3.60% ▲ 0.49% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average3.11%▲ 0.49% above avgNationally 2.88%
Details

Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
2.90%3.95%5.00%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.60%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$500
3.60% ▲ 0.49% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average3.11%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.60% ▲ 0.49% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average3.11%▲ 0.49% above avgNationally 2.88%
Details

Balance: $250,000.01+; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 5, 2026: 3.60% APYOct 5, 2026Oct 14, 2026
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18 Month Certificate
$0
3.55% ▲ 0.44% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maryland Average3.11%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026

Berlin 24 Month CD Rates

Maryland 24 Month CD Average2.97% APYNational 2.88%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
24 Month Regular CD
$500
3.50% ▲ 0.53% above Maryland avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
Rising Rate (CDs + IRAs) - 24 Months
$10,000
3.25% ▲ 0.28% above Maryland avg
View
▼
Rate3.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.28% above avgNationally 2.88%
Details

Minimum to open for IRAs: $10,000.00; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 14, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
IRA Certificate - Fixed - 24 Months
$100
2.84% ▼ 0.13% below Maryland avg
View
▼
Rate2.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 0.13% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 14, 2026: 2.84% APYOct 14, 2026Oct 14, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 N Main St, Berlin, MD 21811
Certificate of Deposit - 24 Months
$1,000
2.68% ▼ 0.29% below Maryland avg
View
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 0.29% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 14, 2026: 2.68% APYOct 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
24 Month Certificate of Deposit
$0
0.03% ▼ 2.94% below Maryland avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.94% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 24 Months
$250
0.03% ▼ 2.94% below Maryland avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.94% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
24 Month Certificate of Deposit
$0
0.02% ▼ 2.95% below Maryland avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.95% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 24 Months
$250
0.02% ▼ 2.95% below Maryland avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.95% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
24 Month Certificate of Deposit
$0
0.01% ▼ 2.96% below Maryland avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.96% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 24 Months
$250
0.01% ▼ 2.96% below Maryland avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.96% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 2 year
$500
5.20% ▲ 2.23% above Maryland avg
View
▼
Rate5.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 2.23% above avgNationally 2.88%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 5.20% APY
4.70%5.20%5.70%Oct 14, 2026: 5.20% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 2 year
$500
5.20% ▲ 2.23% above Maryland avg
View
▼
Rate5.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 2.23% above avgNationally 2.88%
Details

IRA share certificate; early withdrawal penalty applies before maturity

Rate History
1 change since Sep 14, 2026 · 4.70% → 5.20% ▲ 0.50 pts · high 5.20% / low 4.70%
4.20%4.95%5.70%Sep 14, 2026: 4.70% APYOct 10, 2026: 5.20% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20265.20%▲ from 4.70%
  • Sep 14, 20264.70%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
24 Month Certificate of Deposit (CD)
$0
4.52% ▲ 1.55% above Maryland avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.55% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 21, 2026 · 4.52% → 4.52% ▼ 0.00 pts · high 4.52% / low 4.45%
3.95%4.48%5.02%Sep 21, 2026: 4.52% APYOct 5, 2026: 4.45% APYOct 13, 2026: 4.52% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.52%▲ from 4.45%
  • Oct 5, 20264.45%▼ from 4.52%
  • Sep 21, 20264.52%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 Month Share Certificate
$0
4.40% ▲ 1.43% above Maryland avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
24 Month CD
$1,000
4.35% ▲ 1.38% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.38% above avgNationally 2.88%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 24 Months
$1,000
4.35% ▲ 1.38% above Maryland avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 24 Months
$500
4.35% ▲ 1.38% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.38% above avgNationally 2.88%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 24 Months
$500
4.35% ▲ 1.38% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
2.99%4.01%5.03%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.35%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 24 Months
$500
4.35% ▲ 1.38% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.38% above avgNationally 2.88%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30% ▲ 1.33% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.33% above avgNationally 2.88%
Details

Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $24,409.71; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
24 Month Certificate
$0
4.25% ▲ 1.28% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.88%
Details

Featured banner rate (24 Months for 4.25% APY*); Certificates page footnote: all certificates other than the 6 month require a $1,000 minimum balance to open

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
24 Month Share Certificate
$1,000
4.25% ▲ 1.28% above Maryland avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.88%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 24 Months
$1,000
4.25% ▲ 1.28% above Maryland avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.88%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.25% ▲ 1.28% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.88%
Details

Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $8,855.36; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.20% ▲ 1.23% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.23% above avgNationally 2.88%
Details

Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $874.69; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Month Share Certificate
$500
4.13% ▲ 1.16% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.16% above avgNationally 2.88%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 24 Months
$500
4.13% ▲ 1.16% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.16% above avgNationally 2.88%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 14, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
24 Month Share Certificate
$1,000
4.12% ▲ 1.15% above Maryland avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.15% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 25, 2026 · 3.59% → 4.12% ▲ 0.53 pts · high 4.12% / low 3.59%
3.06%3.86%4.65%Sep 25, 2026: 3.59% APYOct 4, 2026: 4.12% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.12%▲ from 3.59%
  • Sep 25, 20263.59%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.10% ▲ 1.13% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.13% above avgNationally 2.88%
Details

Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $85.30; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 24 Months
$500
4.06% ▲ 1.09% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.09% above avgNationally 2.88%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 24 Months
$500
4.06% ▲ 1.09% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.09% above avgNationally 2.88%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02% ▲ 1.05% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.05% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 1.05% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.05% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 24-Month
$0
4.00% ▲ 1.03% above Maryland avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.88%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 24 Month
$500
4.00% ▲ 1.03% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.88%
Details

IRA products not available online; open at any branch or by calling 1-800-877-6440

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Jumbo Certificates - Star Member
$0
3.95% ▲ 0.98% above Maryland avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.98% above avgNationally 2.88%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate - Star Member
$0
3.90% ▲ 0.93% above Maryland avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.93% above avgNationally 2.88%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Jumbo Certificates
$0
3.90% ▲ 0.93% above Maryland avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 21, 2026: 3.90% APYSep 21, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Month Share Certificate
$500
3.87% ▲ 0.90% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.90% above avgNationally 2.88%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.86% ▲ 0.89% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.89% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate
$0
3.85% ▲ 0.88% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.88% above avgNationally 2.88%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
24 Month Share & IRA Share Certificates
$0
3.82% ▲ 0.85% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
3.82% ▲ 0.85% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.85% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 1 1/2 Year Certificate
$0
3.81% ▲ 0.84% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.84% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.81% APY
3.31%3.81%4.31%Oct 14, 2026: 3.81% APYOct 14, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 2 1/2 Year Certificate
$0
3.81% ▲ 0.84% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.84% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.81% APY
3.31%3.81%4.31%Oct 14, 2026: 3.81% APYOct 14, 2026Oct 14, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 2 Year Certificate
$0
3.81% ▲ 0.84% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.84% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
24 Month Jumbo Traditional, Educational, and Roth IRA Share Certificates
$10,000
3.80% ▲ 0.83% above Maryland avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.88%
Details

Rates effective as of October 14, 2026; dividends compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 Month Long Term Certificate Account
$0
3.80% ▲ 0.83% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 24 months
$500
3.80% ▲ 0.83% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.88%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
24 Month IRA Certificate
$0
3.76% ▲ 0.79% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026

Berlin 36 Month CD Rates

Maryland 36 Month CD Average2.94% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
36 Month Regular CD
$500
3.50% ▲ 0.56% above Maryland avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
36 Month Certificate of Deposit
$0
0.03% ▼ 2.91% below Maryland avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▼ 2.91% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 36 Months
$250
0.03% ▼ 2.91% below Maryland avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▼ 2.91% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
36 Month Certificate of Deposit
$0
0.02% ▼ 2.92% below Maryland avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▼ 2.92% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 36 Months
$250
0.02% ▼ 2.92% below Maryland avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▼ 2.92% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
36 Month Certificate of Deposit
$0
0.01% ▼ 2.93% below Maryland avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▼ 2.93% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 36 Months
$250
0.01% ▼ 2.93% below Maryland avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▼ 2.93% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 3 year
$500
4.80% ▲ 1.86% above Maryland avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.86% above avgNationally 2.81%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.80% APY
4.30%4.80%5.30%Oct 14, 2026: 4.80% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 3 year
$500
4.80% ▲ 1.86% above Maryland avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.86% above avgNationally 2.81%
Details

IRA share certificate; early withdrawal penalty applies before maturity

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
3.85%4.57%5.30%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.80%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month Share Certificate
$500
4.59% ▲ 1.65% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.65% above avgNationally 2.81%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 8 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APYSep 14, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 36 Months
$500
4.59% ▲ 1.65% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.65% above avgNationally 2.81%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.50% ▲ 1.56% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.56% above avgNationally 2.81%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month Share Certificate
$0
4.45% ▲ 1.51% above Maryland avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.51% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 18, 2026: 4.15% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.45%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45% ▲ 1.51% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.51% above avgNationally 2.81%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 14, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
36 Month CD Online and In Branch
$500
4.40% ▲ 1.46% above Maryland avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.46% above avgNationally 2.81%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40% ▲ 1.46% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.46% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 36 Months
$500
4.35% ▲ 1.41% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.41% above avgNationally 2.81%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 36 Months
$500
4.35% ▲ 1.41% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.41% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 36 Months
$500
4.35% ▲ 1.41% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.41% above avgNationally 2.81%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month Share Certificate
$500
4.33% ▲ 1.39% above Maryland avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.39% above avgNationally 2.81%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 8 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30% ▲ 1.36% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.36% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 36 Month
$500
4.25% ▲ 1.31% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.31% above avgNationally 2.81%
Details

IRA products not available online; open at any branch or by calling 1-800-877-6440

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
36 Month Share Certificate
$1,000
4.23% ▲ 1.29% above Maryland avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.29% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 25, 2026 · 3.66% → 4.23% ▲ 0.57 pts · high 4.23% / low 3.66%
3.09%3.95%4.80%Sep 25, 2026: 3.66% APYOct 4, 2026: 4.23% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.23%▲ from 3.66%
  • Sep 25, 20263.66%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.21% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.21% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 3 Years Add-On
$0
4.15% ▲ 1.21% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.21% above avgNationally 2.81%
Details

Balance: $1 - $3,000; Maximum Balance $3,000; Add funds at any time throughout the certificate term up to $3,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.16% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 1.16% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
36 Month Traditional or Roth IRA Certificate
$2,000
4.10% ▲ 1.16% above Maryland avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.16% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 14, 2026
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 36-Month
$0
4.10% ▲ 1.16% above Maryland avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.16% above avgNationally 2.81%
Details

Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 36 Months
$500
4.06% ▲ 1.12% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.12% above avgNationally 2.81%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 36 Months
$500
4.06% ▲ 1.12% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.12% above avgNationally 2.81%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.08% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 1.08% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 1.08% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
36 Month Share Certificate
$1,000
4.00% ▲ 1.06% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.06% above avgNationally 2.81%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 36 Months
$1,000
4.00% ▲ 1.06% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 1.06% above avgNationally 2.81%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month Share Certificate
$500
3.92% ▲ 0.98% above Maryland avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.98% above avgNationally 2.81%
Details

Balance: $100,000 - $249,999

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Sep 14, 2026: 3.87% APYOct 5, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.92%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
36 Month Share & IRA Share Certificates
$0
3.87% ▲ 0.93% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.93% above avgNationally 2.81%
Details

36 Month Share Certificate has a 1 time STEP-UP feature

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month Share Certificate
$500
3.87% ▲ 0.93% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.93% above avgNationally 2.81%
Details

Balance: $500 - $99,999

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
3.32%3.84%4.37%Sep 14, 2026: 3.82% APYOct 5, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.87%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
3.86% ▲ 0.92% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.92% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 36 Month
$0
3.86% ▲ 0.92% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.92% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 3 Year Certificate
$0
3.81% ▲ 0.87% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
36 Month Jumbo Traditional, Educational, and Roth IRA Share Certificates
$10,000
3.80% ▲ 0.86% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 0.86% above avgNationally 2.81%
Details

Rates effective as of October 14, 2026; dividends compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Long Term Certificate Account
$0
3.80% ▲ 0.86% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.86% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 36 months
$500
3.80% ▲ 0.86% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.94%▲ 0.86% above avgNationally 2.81%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
36 Month Jumbo Fixed Rate Share Certificate
$10,000
3.75% ▲ 0.81% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details

Jumbo certificate; dividends compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Traditional, Educational, and Roth IRA Share Certificate - 36 Month
$1,000
3.75% ▲ 0.81% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 36 Months
$1,000
3.75% ▲ 0.81% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
36 Month Certificates
$1,000
3.75% ▲ 0.81% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details

Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Jumbo CD
$10,000
3.75% ▲ 0.81% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details

Compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Standard CD
$500
3.75% ▲ 0.81% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details

Compounded and credited monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Business 36 Month Jumbo CD
$10,000
3.75% ▲ 0.81% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.94%▲ 0.81% above avgNationally 2.81%
Details

Compounded & Credited: Monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026

Berlin 48 Month CD Rates

Maryland 48 Month CD Average2.86% APYNational 2.80%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
48 Month Regular CD
$500
2.75% ▼ 0.11% below Maryland avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▼ 0.11% below avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
48 Month Certificate of Deposit
$0
0.03% ▼ 2.83% below Maryland avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▼ 2.83% below avgNationally 2.80%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 48 Months
$250
0.03% ▼ 2.83% below Maryland avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▼ 2.83% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
48 Month Certificate of Deposit
$0
0.02% ▼ 2.84% below Maryland avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▼ 2.84% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 48 Months
$250
0.02% ▼ 2.84% below Maryland avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▼ 2.84% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
48 Month Certificate of Deposit
$0
0.01% ▼ 2.85% below Maryland avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▼ 2.85% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 48 Months
$250
0.01% ▼ 2.85% below Maryland avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▼ 2.85% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificates - 4 year Mini-Jumbo
$20,000
5.00% ▲ 2.14% above Maryland avg
View
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 2.14% above avgNationally 2.80%
Details

Early withdrawal penalty applies before maturity

Rate History
No change since Oct 14, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo Share Certificates - 4 year Mini-Jumbo
$20,000
5.00% ▲ 2.14% above Maryland avg
View
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 2.14% above avgNationally 2.80%
Details

Early withdrawal penalty applies before maturity

Rate History
No change since Oct 14, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 4 year
$500
4.85% ▲ 1.99% above Maryland avg
View
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.99% above avgNationally 2.80%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.85% APY
4.35%4.85%5.35%Oct 14, 2026: 4.85% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 4 year
$500
4.85% ▲ 1.99% above Maryland avg
View
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.99% above avgNationally 2.80%
Details

IRA share certificate; early withdrawal penalty applies before maturity

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.85% ▲ 0.45 pts · high 4.85% / low 4.40%
3.90%4.63%5.35%Sep 14, 2026: 4.40% APYOct 10, 2026: 4.85% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.85%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.60% ▲ 1.74% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.74% above avgNationally 2.80%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55% ▲ 1.69% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.69% above avgNationally 2.80%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Share Certificate
$0
4.50% ▲ 1.64% above Maryland avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.64% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50% ▲ 1.64% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.64% above avgNationally 2.80%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40% ▲ 1.54% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.54% above avgNationally 2.80%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 48 Months
$500
4.35% ▲ 1.49% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 48 Months
$500
4.35% ▲ 1.49% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 48 Months
$500
4.35% ▲ 1.49% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up IRA Share Certificates - 4 year Bump-Up
$5,000
4.35% ▲ 1.49% above Maryland avg
View
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 14, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up Share Certificates - 4 year Bump-Up
$5,000
4.35% ▲ 1.49% above Maryland avg
View
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 1.49% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 14, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 14, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
48 Month Share Certificate
$1,000
4.27% ▲ 1.41% above Maryland avg
View
▼
Rate4.19%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.41% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 25, 2026 · 3.70% → 4.27% ▲ 0.57 pts · high 4.27% / low 3.70%
3.13%3.99%4.84%Sep 25, 2026: 3.70% APYOct 4, 2026: 4.27% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.27%▲ from 3.70%
  • Sep 25, 20263.70%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Month Share Certificate
$500
4.13% ▲ 1.27% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.27% above avgNationally 2.80%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 48 Months
$500
4.13% ▲ 1.27% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.27% above avgNationally 2.80%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 48 Months
$500
4.06% ▲ 1.20% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.20% above avgNationally 2.80%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 48 Months
$500
4.06% ▲ 1.20% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.20% above avgNationally 2.80%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 Month Share Certificate
$1,000
4.00% ▲ 1.14% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.14% above avgNationally 2.80%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 48 Months
$1,000
4.00% ▲ 1.14% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 1.14% above avgNationally 2.80%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.11% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.11% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.11% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.11% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month Share & IRA Share Certificates
$0
3.92% ▲ 1.06% above Maryland avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.06% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Month Share Certificate
$500
3.87% ▲ 1.01% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 1.01% above avgNationally 2.80%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81% ▲ 0.95% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.95% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81% ▲ 0.95% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 4 Year Certificate
$0
3.81% ▲ 0.95% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.95% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48 Month Jumbo Traditional, Educational, and Roth IRA Share Certificates
$10,000
3.80% ▲ 0.94% above Maryland avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.94% above avgNationally 2.80%
Details

Rates effective as of October 14, 2026; dividends compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
48 Month Long Term Certificate Account
$0
3.80% ▲ 0.94% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.94% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 48 months
$500
3.80% ▲ 0.94% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.94% above avgNationally 2.80%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48 Month Jumbo Fixed Rate Share Certificate
$10,000
3.75% ▲ 0.89% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Jumbo certificate; dividends compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Traditional, Educational, and Roth IRA Share Certificate - 48 Month
$1,000
3.75% ▲ 0.89% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 48 Months
$1,000
3.75% ▲ 0.89% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Jumbo Certificates - Star Member
$0
3.75% ▲ 0.89% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
48 Month Certificates
$1,000
3.75% ▲ 0.89% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Minimum deposit is $1,000; Substantial penalty may apply for early withdrawal; Dividends are paid monthly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48 Month Fixed Rate Share Certificates
$1,000
3.70% ▲ 0.84% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Dividends compounded and credited quarterly; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48 Month Raise Your Rate Share Certificate
$1,000
3.70% ▲ 0.84% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Raise Your Rate; up to three rate raises allowed; rate effective as of October 14, 2026

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate - Star Member
$0
3.70% ▲ 0.84% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Jumbo Certificates
$0
3.70% ▲ 0.84% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 21, 2026: 3.70% APYSep 21, 2026Oct 14, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
48 Month CD
$0
3.67% ▲ 0.81% above Maryland avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.81% above avgNationally 2.80%
Details

Rate History
3 changes since Sep 14, 2026 · 3.79% → 3.67% ▼ 0.12 pts · high 3.79% / low 3.67%
3.17%3.73%4.29%Sep 14, 2026: 3.79% APYSep 20, 2026: 3.71% APYSep 24, 2026: 3.74% APYOct 8, 2026: 3.67% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.67%▼ from 3.74%
  • Sep 24, 20263.74%▲ from 3.71%
  • Sep 20, 20263.71%▼ from 3.79%
  • Sep 14, 20263.79%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate
$0
3.65% ▲ 0.79% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.79% above avgNationally 2.80%
Details

Effective Date: September 1, 2026; Open Now

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
4 Year Fixed-Rate Certificate
$500
3.61% ▲ 0.75% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.86%▲ 0.75% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 8, 2026: 3.61% APYOct 8, 2026Oct 14, 2026

Berlin 60 Month CD Rates

Maryland 60 Month CD Average2.97% APYNational 2.91%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
60 Month Regular CD
$500
3.00% ▲ 0.03% above Maryland avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.03% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 14, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
310 Franklin Ave, Berlin, MD 21811
Rising Rate (CDs + IRAs) - 60 Months
$500
2.50% ▼ 0.47% below Maryland avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 0.47% below avgNationally 2.91%
Details

Minimum to open for IRAs: $250; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
60 Month Certificate of Deposit
$0
0.03% ▼ 2.94% below Maryland avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.94% below avgNationally 2.91%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 60 Months
$250
0.03% ▼ 2.94% below Maryland avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.94% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
60 Month Certificate of Deposit
$0
0.02% ▼ 2.95% below Maryland avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.95% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 60 Months
$250
0.02% ▼ 2.95% below Maryland avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.95% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
60 Month Certificate of Deposit
$0
0.01% ▼ 2.96% below Maryland avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.96% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
11045 Racetrack Rd, Berlin, MD 21811
IRA CD - 60 Months
$250
0.01% ▼ 2.96% below Maryland avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▼ 2.96% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificates - 5 year Mini-Jumbo
$20,000
5.05% ▲ 2.08% above Maryland avg
View
▼
Rate4.93%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 2.08% above avgNationally 2.91%
Details

Early withdrawal penalty applies before maturity

Rate History
No change since Oct 14, 2026 · 5.05% APY
4.55%5.05%5.55%Oct 14, 2026: 5.05% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo Share Certificates - 5 year Mini-Jumbo
$20,000
5.05% ▲ 2.08% above Maryland avg
View
▼
Rate4.93%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 2.08% above avgNationally 2.91%
Details

Early withdrawal penalty applies before maturity

Rate History
No change since Oct 14, 2026 · 5.05% APY
4.55%5.05%5.55%Oct 14, 2026: 5.05% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular and Special Share Certificates - 5 year
$500
4.90% ▲ 1.93% above Maryland avg
View
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.93% above avgNationally 2.91%
Details

Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.90% APY
4.40%4.90%5.40%Oct 14, 2026: 4.90% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Regular IRA Share Certificates - 5 year
$500
4.90% ▲ 1.93% above Maryland avg
View
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.93% above avgNationally 2.91%
Details

IRA share certificate; early withdrawal penalty applies before maturity

Rate History
1 change since Sep 14, 2026 · 4.45% → 4.90% ▲ 0.45 pts · high 4.90% / low 4.45%
3.95%4.68%5.40%Sep 14, 2026: 4.45% APYOct 10, 2026: 4.90% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.90%▲ from 4.45%
  • Sep 14, 20264.45%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.60% ▲ 1.63% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.63% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month Share Certificate
$0
4.55% ▲ 1.58% above Maryland avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.58% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28%
3.78%4.42%5.05%Sep 18, 2026: 4.28% APYSep 27, 2026: 4.55% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20264.55%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.55% ▲ 1.58% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.58% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 13, 2026: 4.55% APYOct 13, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 60 Months
$500
4.50% ▲ 1.53% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.53% above avgNationally 2.91%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 60 Months
$500
4.50% ▲ 1.53% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.53% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 60 Months
$500
4.50% ▲ 1.53% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.53% above avgNationally 2.91%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.50% ▲ 1.53% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.53% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
60 Month CD Online and In Branch
$500
4.40% ▲ 1.43% above Maryland avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.43% above avgNationally 2.91%
Details

No additional deposits after initial deposit.

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.40% ▲ 1.43% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.43% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up IRA Share Certificates - 5 year Bump-Up
$5,000
4.40% ▲ 1.43% above Maryland avg
View
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.43% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 14, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 14, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up Share Certificates - 5 year Bump-Up
$5,000
4.40% ▲ 1.43% above Maryland avg
View
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 1.43% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 14, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 14, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
60 Month Share Certificate
$1,000
4.31% ▲ 1.34% above Maryland avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.34% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 25, 2026 · 3.73% → 4.31% ▲ 0.58 pts · high 4.31% / low 3.73%
3.15%4.02%4.89%Sep 25, 2026: 3.73% APYOct 4, 2026: 4.31% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.31%▲ from 3.73%
  • Sep 25, 20263.73%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
60 Month Traditional or Roth IRA Certificate
$2,500
4.25% ▲ 1.28% above Maryland avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.28% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
60 Month Share Certificate
$500
4.13% ▲ 1.16% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.16% above avgNationally 2.91%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate 60 Months
$500
4.13% ▲ 1.16% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.16% above avgNationally 2.91%
Details

Minimum $500 deposit required for IRA certificate accounts. Penalties may apply for early withdrawals.

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 60 Months
$500
4.06% ▲ 1.09% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.09% above avgNationally 2.91%
Details

Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 14, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share Certificate - 60 Months
$500
4.06% ▲ 1.09% above Maryland avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.09% above avgNationally 2.91%
Details

Early withdrawal penalty applies.

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
60 Month Share Certificate
$1,000
4.00% ▲ 1.03% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.91%
Details

Traditional and Roth IRA available; minimum $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate - 60 Months
$1,000
4.00% ▲ 1.03% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.91%
Details

Savings or IRA; Open; Learn More

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00% ▲ 1.03% above Maryland avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 1.03% above Maryland avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.03% above avgNationally 2.91%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
60 Month Share & IRA Share Certificate
$0
3.97% ▲ 1.00% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 1.00% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 0.93% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.93% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
60 Month Share Certificate
$500
3.87% ▲ 0.90% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.90% above avgNationally 2.91%
Details

Balance: $250,000 - $999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 8 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.88% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.88% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
3.84% ▲ 0.87% above Maryland avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.87% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 60 Month
$0
3.84% ▲ 0.87% above Maryland avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maryland Average2.97%▲ 0.87% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 14, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month IRA Share Certificate
$500
3.82% ▲ 0.85% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.85% above avgNationally 2.91%
Details

IRA Share Certificate; Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Share Certificate
$500
3.82% ▲ 0.85% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.85% above avgNationally 2.91%
Details

Minimum $500

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 5 Year Certificate
$0
3.81% ▲ 0.84% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.84% above avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
60 Month Jumbo Traditional, Educational, and Roth IRA Share Certificates
$10,000
3.80% ▲ 0.83% above Maryland avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.91%
Details

Rates effective as of October 14, 2026; dividends compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 60 months
$500
3.80% ▲ 0.83% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.91%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Jumbo Certificates - Star Member
$0
3.80% ▲ 0.83% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.83% above avgNationally 2.91%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
60 Month Jumbo Fixed Rate Share Certificate
$10,000
3.75% ▲ 0.78% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details

Jumbo certificate; dividends compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Traditional, Educational, and Roth IRA Share Certificate - 60 Month
$1,000
3.75% ▲ 0.78% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 60 Months
$1,000
3.75% ▲ 0.78% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Certificate - Star Member
$0
3.75% ▲ 0.78% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details

Star Member rate; Effective Date: September 1, 2026; Open Now

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Jumbo Certificates
$0
3.75% ▲ 0.78% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maryland Average2.97%▲ 0.78% above avgNationally 2.91%
Details

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Berlin, Maryland Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
M&T Bank
18 Month Select Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
First Shore Federal S&L
24 Month Regular CD
A+ 5.0 ★ TX: 3.97%
Min: $500
3.50%
Truist
CD - 12-Month Special Rate
A+ 5.0 ★ TX: 2.87%
Min: $0
3.25%
Calvin B. Taylor Banking Company
Certificate of Deposit - 6 Months
A+ 5.0 ★ TX: 4.46%
Min: $1,000
3.25%
PNC Bank
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 4.24%
Min: $0
0.03%
CU Top 5 Credit Union Rates
Tower Federal Credit Union
Regular and Special Share Certificates - 2 year
A+ 5.0 ★ TX: 1.97%
Min: $500
5.20%
NATIONAL INSTITUTES OF HEALTH
IRA Certificate 12 Month Jumbo
A+ 5.0 ★ TX: 4.98%
Min: $100,000
5.00%
FIRST EAGLE
Share Certificate Special - 1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
Educational Systems Federal Credit Union
18 Month Jumbo Certificates - Star Member
A+ 5.0 ★ TX: 3.40%
Min: $0
4.65%
Patriot Federal Credit Union
48 Month Share Certificate
A+ 5.0 ★ TX: 1.50%
Min: $0
4.60%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Berlin, MD CD Rate Trends

Compare local Berlin, 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.

View Full Maryland CD Trends
12-Month CD MD Avg
3.254%
▼ 0.009 vs 7 days ago

Maryland 12-month CD rates fell 0.009 points over the past 7 days to 3.254% APY.

6-Month CD MD Avg
2.778%
▲ 0.004 vs 7 days ago

Maryland 6-month CD rates rose 0.004 points over the past 7 days to 2.778% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

MD CD Rate Forecast, Next 12 Months

Where are Maryland CD rates headed through October 2027?

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

MD 12-Month Avg APY
3.254%
6-Month Forecast
3.254%
Range: 3.05%, 3.40%
12-Month Forecast
3.504%
Range: 3.30%, 3.65%

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

Spread model: The Maryland 12-month CD average currently trades 1.12% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at MD CD Rates Today

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

CD Term MD Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.664% $83.21 $166.43 $416.07 $832.15
6-Month CD 2.778% $138.92 $277.84 $694.60 $1,389.20
12-Month CD 3.254% $162.71 $325.41 $813.53 $1,627.05
18-Month CD 3.112% $155.59 $311.17 $777.93 $1,555.85
24-Month CD 2.966% $148.29 $296.57 $741.43 $1,482.85
36-Month CD 2.945% $147.25 $294.49 $736.23 $1,472.45
48-Month CD 2.859% $142.97 $285.93 $714.83 $1,429.65
60-Month CD 2.970% $148.49 $296.98 $742.45 $1,484.90
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Berlin, Maryland Savers

$25,000 split equally across 5 terms using today’s Maryland average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit MD Avg APY Annual Earnings
1 3-Month CD $5,000 1.664% $83.21
2 6-Month CD $5,000 2.778% $138.92
3 12-Month CD $5,000 3.254% $162.71
4 24-Month CD $5,000 2.966% $148.29
5 36-Month CD $5,000 2.945% $147.25
Total ($25,000 invested) $25,000 2.722% blended $680.38/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.

Powered byMonitorBankRates
1,070
CD Rates
Tracked in Berlin, Maryland
33 Banks 52 Credit Unions

About Our Berlin, Maryland CD Rate Database

MonitorBankRates tracks 1,070 CD rates from 33 banks and 52 credit unions with locations in Berlin, Maryland, plus national online institutions available to Maryland residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: M&T Bank offers a CD at 3.85% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Berlin, Maryland.

How to Find the Best CD Rates in Berlin, Maryland

What to compare when shopping for a CD in Berlin, Maryland

To find the best APYs in Berlin, Maryland, start with credit unions and online-only banks: Berlin, Maryland has 52 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 Berlin, 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 Berlin, Maryland: 85 institutions here report CD rates

Consider an Alternative If…

Berlin, Maryland Financial Snapshot

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

Population 65+
17.3%
National avg: 17.3%
Median Individual Earnings
$48,205
National avg: $47,340
Poverty Rate
18.9%
National avg: 11.1%
Unemployment Rate
2.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$157/yr
At MD 12-mo avg 3.254% APY

17.3% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.1% reflects a strong local economy. At today’s MD 12-month CD average of 3.254%, saving 10% of the local median salary ($4,820/year) and putting it in a CD would earn an additional $157 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 Berlin, Maryland

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

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

How Certificates of Deposit Work in Berlin, 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 Berlin, 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 Berlin, Maryland as everywhere in the U.S.

Choosing a CD Term in Berlin, 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 Berlin, Maryland savers easier access to their funds. For example, Calvin B. Taylor Banking Company is offering its Certificate of Deposit - 6 Months at 3.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First Shore Federal S&L is offering its 60 Month Regular CD at 3.00% 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 Berlin, 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 Berlin, 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 Berlin, 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 Berlin, 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 Berlin, Maryland

Most CDs carry a fixed rate that is locked for the entire term, protecting a Berlin, 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 Berlin, Maryland

Are CD rates in Berlin, Maryland FDIC insured?

Yes, most established banks in Berlin, 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 Berlin, 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 Berlin, 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 Berlin, 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 Berlin, Maryland?

Here are recent top rates found for this area:
  • M&T Bank: 3.85% APY (18 Month Select Certificate of Deposit)
  • First Shore Federal S&L: 3.50% APY (24 Month Regular CD)
  • Truist: 3.25% APY (CD - 12-Month Special Rate)
  • Calvin B. Taylor Banking Company: 3.25% APY (Certificate of Deposit - 6 Months)
  • PNC Bank: 0.03% APY (12 Month Certificate of Deposit)
  • Tower Federal Credit Union: 5.20% APY (Regular and Special Share Certificates - 2 year)
  • NATIONAL INSTITUTES OF HEALTH: 5.00% APY (IRA Certificate 12 Month Jumbo)
  • FIRST EAGLE: 5.00% APY (Share Certificate Special - 1 Year Certificate)
  • Educational Systems Federal Credit Union: 4.65% APY (18 Month Jumbo Certificates - Star Member)
  • Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
Rates reflect recent verified offers available in Berlin, Maryland. Last Updated: October 14, 2026

Berlin, 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 Berlin, Maryland rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Berlin, Maryland CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Berlin, Maryland. Averages shown use the Maryland state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Berlin, Maryland

Berlin, Maryland CD Calculator

At today’s MD top rate of 3.85% APY, a $10,000 deposit earns $385 in the first year. Enter your amount to see your exact return.

Berlin, Maryland CD Ladder

MD CD rates currently range from 1.664% (3-month) to 2.945% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Berlin, Maryland CD at 3.85% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Maryland’s average 12-month CD is 3.254% 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 Berlin, 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 Berlin, 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 Berlin, Maryland. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MD.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026

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