MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Brooklandville, Maryland Best CD Rates August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
| iEditorial Disclosure
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: August 28, 2026

Current Brooklandville, Maryland CD rates include NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTHA+5.0 ★Texas Ratio: 1.67%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Saver at 5.00% APY, Tower Federal Credit UnionTower Federal Credit UnionA+5.0 ★Texas Ratio: 1.30%Real return: +1.70%APY minus CPI (February 2026) offering Regular IRA Share Certificates 2 year at 4.50% APY, EagleBankEagleBankA+5.0 ★Texas Ratio: 5.93%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month CD at 4.35% APY, CFG BankCFG BankA5.0 ★Texas Ratio: 10.06%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month CD Online and In Branch at 4.30% APY, and APL Federal Credit UnionAPL Federal Credit UnionA+5.0 ★Texas Ratio: 2.79%Real return: +1.45%APY minus CPI (February 2026) offering 6 Month Certificate at 4.25% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.

Brooklandville is a smaller community with no bank or credit union branches currently in our database. 663 institutions serving the Maryland area are available to Brooklandville residents, with CD rates as high as 5.00% APY from NATIONAL INSTITUTES OF HEALTH. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026

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

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

Brooklandville 3 Month CD Rates

Maryland 3 Month CD Average1.26% APYNational 1.96%▼ 0.83% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month
$500
3.88% ▲ 2.62% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 2.62% above avgNationally 1.96%
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
3 Month Regular Certificates
$0
3.80% ▲ 2.54% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 2.54% above avgNationally 1.96%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3 Months
$0
3.65% ▲ 2.39% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 2.39% above avgNationally 1.96%
Details

NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month
$500
3.62% ▲ 2.36% above Maryland avg
View
▼
Rate3.56%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 2.36% above avgNationally 1.96%
Details

Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
3-Month Certificate Special
$500
3.55% ▲ 2.29% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 2.29% above avgNationally 1.96%
Details

New Money Minimum

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3-Month New Money
$0
3.55% ▲ 2.29% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 2.29% above avgNationally 1.96%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
90 days/13 weeks CD
$10,000
3.50% ▲ 2.24% above Maryland avg
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 2.24% above avgNationally 1.96%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
3 months
$0
3.20% ▲ 1.94% above Maryland avg
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 1.94% above avgNationally 1.96%
Details

Jumbo Certificate

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 months
$0
3.05% ▲ 1.79% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 1.79% above avgNationally 1.96%
Details

Star Member APY: 3.10%; Star Member Dividend Rate: 3.06%

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 Month CD
$0
3.00% ▲ 1.74% above Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 1.74% above avgNationally 1.96%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 months
$500
3.00% ▲ 1.74% above Maryland avg
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 1.74% above avgNationally 1.96%
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Certificates - (Share, IRA, HSA) 3-Month
$0
2.55% ▲ 1.29% above Maryland avg
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 1.29% above avgNationally 1.96%
Details

Better Rewards APY: 3.05%, Better Rewards Dividend Rate: 3.01%

Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
3 Months
$0
2.25% ▲ 0.99% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 0.99% above avgNationally 1.96%
Details

Preferred APY*: 2.60%

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 3 Month Certificate
$0
2.10% ▲ 0.84% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 0.84% above avgNationally 1.96%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 3 Month Jumbo Certificate
$0
2.10% ▲ 0.84% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 0.84% above avgNationally 1.96%
Details

Jumbo

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3 Months
$500
2.00% ▲ 0.74% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 0.74% above avgNationally 1.96%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
3 Month Certificate
$1,000
2.00% ▲ 0.74% above Maryland avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 0.74% above avgNationally 1.96%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
3 Month Jumbo Certificate
$25,000
2.00% ▲ 0.74% above Maryland avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 0.74% above avgNationally 1.96%
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
3 months
$0
2.00% ▲ 0.74% above Maryland avg
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 0.74% above avgNationally 1.96%
Details

The National Capital Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 3 Months
$1,000
1.36% ▲ 0.10% above Maryland avg
View
▼
Rate1.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▲ 0.10% above avgNationally 1.96%
Details

Early Withdrawl Penalty 30 days' simple interest

The National Capital Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit 3 Months
$1,000
1.26% At Maryland avg
View
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%At the averageNationally 1.96%
Details

Early Withdrawl Penalty 30 days' simple interest

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Jumbo Share Certificates 30 - 90 days
$0
1.05% ▼ 0.21% below Maryland avg
View
▼
Rate1.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.21% below avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month
$0
1.00% ▼ 0.26% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.26% below avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month TD Choice CD
$250
1.00% ▼ 0.26% below Maryland avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.26% below avgNationally 1.96%
Details

Relationship APY

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 month
$500
1.00% ▼ 0.26% below Maryland avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.26% below avgNationally 1.96%
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3-Month Certificate of Deposit
$0
0.70% ▼ 0.56% below Maryland avg
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.56% below avgNationally 1.96%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
3 months
$0
0.65% ▼ 0.61% below Maryland avg
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.61% below avgNationally 1.96%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term
$0
0.60% ▼ 0.66% below Maryland avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.66% below avgNationally 1.96%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs
$0
0.60% ▼ 0.66% below Maryland avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.66% below avgNationally 1.96%
Details

Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs Rewards
$0
0.60% ▼ 0.66% below Maryland avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.66% below avgNationally 1.96%
Details

Regular APY 0.50% Dividend Rate 0.50%

The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month CD
$0
0.50% ▼ 0.76% below Maryland avg
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.76% below avgNationally 1.96%
Details

The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month CD
$0
0.40% ▼ 0.86% below Maryland avg
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.86% below avgNationally 1.96%
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
3 month CD
$500
0.35% ▼ 0.91% below Maryland avg
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 0.91% below avgNationally 1.96%
Details

The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
3 Month
$500
0.25% ▼ 1.01% below Maryland avg
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.01% below avgNationally 1.96%
Details

Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
90 Day CD
$0
0.10% ▼ 1.16% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.16% below avgNationally 1.96%
Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 months
$0
0.10% ▼ 1.16% below Maryland avg
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.16% below avgNationally 1.96%
Details

Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
3 Months
$500
0.08% ▼ 1.18% below Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.18% below avgNationally 1.96%
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06% ▼ 1.20% below Maryland avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.20% below avgNationally 1.96%
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.20% below Maryland avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.20% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Relationship Interest Rate 0.06%

The Ephrata National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Short Term CD (15-90 Days)
$0
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★Texas Ratio: 22.57%
3-Month
$100,000
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Compounding Frequency: Daily

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★Texas Ratio: 22.57%
3-Month CD
$1,000
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Compounding Frequency: Daily

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★Texas Ratio: 22.57%
Business 3-Month CD
$1,000
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★Texas Ratio: 22.57%
Consumer Jumbo Certificate (CD) 3-Month
$100,000
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 months
$0
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 3 months
$0
0.05% ▼ 1.21% below Maryland avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.21% below avgNationally 1.96%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificate: Term 3 Months
$500
0.02% ▼ 1.24% below Maryland avg
View
▼
Rate0.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.24% below avgNationally 1.96%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate Term 3 Months
$500
0.02% ▼ 1.24% below Maryland avg
View
▼
Rate0.02%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.26%▼ 1.24% below avgNationally 1.96%
Details

Brooklandville 6 Month CD Rates

Maryland 6 Month CD Average1.75% APYNational 2.67%▼ 0.84% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month Youth Saver
$500
5.00% ▲ 3.25% above Maryland avg
View
▼
Rate4.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 3.25% above avgNationally 2.67%
Details

only

APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
6 Month Certificate
$500
4.25% ▲ 2.50% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.50% above avgNationally 2.67%
Details

Not eligible for IRA Terms.

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 Month CD
$1,000
4.20% ▲ 2.45% above Maryland avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.45% above avgNationally 2.67%
Details

The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 Months
$0
4.20% ▲ 2.45% above Maryland avg
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.45% above avgNationally 2.67%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 months/26 weeks CD
$10,000
4.05% ▲ 2.30% above Maryland avg
View
▼
Rate3.97%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.30% above avgNationally 2.67%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
6 months
$100
3.85% ▲ 2.10% above Maryland avg
View
▼
Rate3.79%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.10% above avgNationally 2.67%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificate: Term 6 Months
$500
3.82% ▲ 2.07% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.07% above avgNationally 2.67%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate Term 6 Months
$500
3.82% ▲ 2.07% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.07% above avgNationally 2.67%
Details

Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month
$7,500
3.80% ▲ 2.05% above Maryland avg
View
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.05% above avgNationally 2.67%
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
6 Month Regular & IRA Certificates
$0
3.80% ▲ 2.05% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.05% above avgNationally 2.67%
Details

Ameriserv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
6-Month CD
$0
3.75% ▲ 2.00% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.00% above avgNationally 2.67%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 months
$0
3.75% ▲ 2.00% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 2.00% above avgNationally 2.67%
Details

Star Member APY: 3.80%; Star Member Dividend Rate: 3.75%

Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
6 Month
$1,000
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.95% above avgNationally 2.67%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 6 Month Certificate
$0
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.95% above avgNationally 2.67%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 6 Month Jumbo Certificate
$0
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.95% above avgNationally 2.67%
Details

Jumbo

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 months
$500
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.95% above avgNationally 2.67%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
6 Month Jumbo CD
$0
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.95% above avgNationally 2.67%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
6 Month Standard CD
$0
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.95% above avgNationally 2.67%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Business 6 Month Jumbo CD
$0
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.95% above avgNationally 2.67%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Business 6 Month Standard CD
$0
3.70% ▲ 1.95% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.95% above avgNationally 2.67%
Details

NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month
$500
3.62% ▲ 1.87% above Maryland avg
View
▼
Rate3.56%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.87% above avgNationally 2.67%
Details

Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
6 Month
$0
3.61% ▲ 1.86% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.86% above avgNationally 2.67%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month Certificate
$500
3.60% ▲ 1.85% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.85% above avgNationally 2.67%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month Jumbo Certificate
$25,000
3.60% ▲ 1.85% above Maryland avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.85% above avgNationally 2.67%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60% ▲ 1.85% above Maryland avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.85% above avgNationally 2.67%
Details

Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
JUMBO Share Certificate 6 Month Term
$50,000
3.52% ▲ 1.77% above Maryland avg
View
▼
Rate3.47%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.77% above avgNationally 2.67%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.50% ▲ 1.75% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.75% above avgNationally 2.67%
Details

Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
BEE Share Certificate 6 Month Term
$10,000
3.47% ▲ 1.72% above Maryland avg
View
▼
Rate3.43%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.72% above avgNationally 2.67%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 6 months
$0
3.46% ▲ 1.71% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.71% above avgNationally 2.67%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 6 months
$0
3.44% ▲ 1.69% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.69% above avgNationally 2.67%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 6 months
$0
3.44% ▲ 1.69% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.69% above avgNationally 2.67%
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Certificates - (Share, IRA, HSA) 6-Month
$0
3.40% ▲ 1.65% above Maryland avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.65% above avgNationally 2.67%
Details

Better Rewards APY: 3.90%, Better Rewards Dividend Rate: 3.83%

NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month
$500
3.38% ▲ 1.63% above Maryland avg
View
▼
Rate3.32%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.63% above avgNationally 2.67%
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6 Month CD
$2,500
3.30% ▲ 1.55% above Maryland avg
View
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.55% above avgNationally 2.67%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Months (182 Days) Certificate
$0
3.30% ▲ 1.55% above Maryland avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.55% above avgNationally 2.67%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6 Months
$0
3.28% ▲ 1.53% above Maryland avg
View
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.53% above avgNationally 2.67%
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
6 months
$0
3.20% ▲ 1.45% above Maryland avg
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.45% above avgNationally 2.67%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6 Months
$0
3.18% ▲ 1.43% above Maryland avg
View
▼
Rate3.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.43% above avgNationally 2.67%
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (6 month term)
$1,000
3.14% ▲ 1.39% above Maryland avg
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.39% above avgNationally 2.67%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6 Months
$0
3.07% ▲ 1.32% above Maryland avg
View
▼
Rate3.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.32% above avgNationally 2.67%
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
6 Month Certificate
$500
3.03% ▲ 1.28% above Maryland avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.28% above avgNationally 2.67%
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month CD
$0
3.00% ▲ 1.25% above Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.25% above avgNationally 2.67%
Details

Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Fixed - 6 Months
$100
3.00% ▲ 1.25% above Maryland avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.25% above avgNationally 2.67%
Details

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
6 Months
$500
3.00% ▲ 1.25% above Maryland avg
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.25% above avgNationally 2.67%
Details

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
6 Months Regular
$0
3.00% ▲ 1.25% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.25% above avgNationally 2.67%
Details

FedPerks APY: 3.25%

Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
6 Months
$0
2.90% ▲ 1.15% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 1.15% above avgNationally 2.67%
Details

Preferred APY*: 3.25%

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Month Certificate
$0
2.70% ▲ 0.95% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 0.95% above avgNationally 2.67%
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
6-month
$10,000
2.60% ▲ 0.85% above Maryland avg
View
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 0.85% above avgNationally 2.67%
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6 Month Certificate
$25
2.50% ▲ 0.75% above Maryland avg
View
▼
Rate2.47%
Min Deposit$25
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 0.75% above avgNationally 2.67%
Details

$1,000 and over

Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6 Months
$500
2.25% ▲ 0.50% above Maryland avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average1.75%▲ 0.50% above avgNationally 2.67%
Details

Brooklandville 12 Month CD Rates

Maryland 12 Month CD Average2.64% APYNational 2.83%▼ 0.70% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 1 year
$500
4.40% ▲ 1.76% above Maryland avg
View
▼
Rate4.31%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.76% above avgNationally 2.83%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
12 Month CD
$1,000
4.35% ▲ 1.71% above Maryland avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.71% above avgNationally 2.83%
Details

The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
12 Months
$0
4.35% ▲ 1.71% above Maryland avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.71% above avgNationally 2.83%
Details

CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
12 Month CD Online and In Branch
$500
4.30% ▲ 1.66% above Maryland avg
View
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.66% above avgNationally 2.83%
Details

No additional deposits after initial deposit.

CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
12-Month Term Certificate of Deposit
$500
4.30% ▲ 1.66% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.66% above avgNationally 2.83%
Details

APY-Annual Percentage Yield

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Starter Add-On
$0
4.25% ▲ 1.61% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.61% above avgNationally 2.83%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
12 months/52 weeks CD
$10,000
4.20% ▲ 1.56% above Maryland avg
View
▼
Rate4.11%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.56% above avgNationally 2.83%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 months New Money
$0
4.20% ▲ 1.56% above Maryland avg
View
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.56% above avgNationally 2.83%
Details

Star Member APY: 4.25%; Star Member Dividend Rate: 4.18%

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12-month New Money Certificate
$100,000
4.20% ▲ 1.56% above Maryland avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.56% above avgNationally 2.83%
Details

This is a limited time offer and may change without notice. The promotional rate is available only on 12-month New Money Certificates funded with new money. New money is defined as funds not currently on deposit with Educational Systems Federal Credit Union, including funds transferred from another financial institution or deposited by cash or check. Dividends for the 12-month New Money Certificate are compounded and credited quarterly. Once a Certificate is opened, money cannot be added and a penalty may be charged for Certificate early withdrawal. Fees could reduce earnings. 12-month New Money Certificates will automatically renew for a 12-month Certificate at the current rate available at the time of renewal unless instructed to do otherwise by the member on or before the maturity date. Applicants must meet membership eligibility requirements.

Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12 Month
$0
4.18% ▲ 1.54% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.54% above avgNationally 2.83%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 months New Money
$500
4.15% ▲ 1.51% above Maryland avg
View
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.51% above avgNationally 2.83%
Details

New Money*

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12-month New Money Certificate
$500
4.15% ▲ 1.51% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.51% above avgNationally 2.83%
Details

This is a limited time offer and may change without notice. The promotional rate is available only on 12-month New Money Certificates funded with new money. New money is defined as funds not currently on deposit with Educational Systems Federal Credit Union, including funds transferred from another financial institution or deposited by cash or check. Dividends for the 12-month New Money Certificate are compounded and credited quarterly. Once a Certificate is opened, money cannot be added and a penalty may be charged for Certificate early withdrawal. Fees could reduce earnings. 12-month New Money Certificates will automatically renew for a 12-month Certificate at the current rate available at the time of renewal unless instructed to do otherwise by the member on or before the maturity date. Applicants must meet membership eligibility requirements.

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On
$0
4.10% ▲ 1.46% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.46% above avgNationally 2.83%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10% ▲ 1.46% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.46% above avgNationally 2.83%
Details

POCU of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12-month CD
$500
4.07% ▲ 1.43% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.43% above avgNationally 2.83%
Details

Limited Time Offer.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificate: Term 12 Months
$500
4.05% ▲ 1.41% above Maryland avg
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.41% above avgNationally 2.83%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate Term 12 Months
$500
4.05% ▲ 1.41% above Maryland avg
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.41% above avgNationally 2.83%
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 months
$0
4.00% ▲ 1.36% above Maryland avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.36% above avgNationally 2.83%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 months
$0
3.95% ▲ 1.31% above Maryland avg
View
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.31% above avgNationally 2.83%
Details

Star Member APY: 4.00%; Star Member Dividend Rate: 3.94%

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
12 months
$500
3.90% ▲ 1.26% above Maryland avg
View
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.26% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89% ▲ 1.25% above Maryland avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.25% above avgNationally 2.83%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
IRA Certificate 12 months
$0
3.87% ▲ 1.23% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.23% above avgNationally 2.83%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
12 months
$0
3.85% ▲ 1.21% above Maryland avg
View
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.21% above avgNationally 2.83%
Details

Jumbo Certificate

Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12 Month
$500
3.80% ▲ 1.16% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.16% above avgNationally 2.83%
Details

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate Accounts 12 months
$500
3.80% ▲ 1.16% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.16% above avgNationally 2.83%
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1 Year Regular & IRA Certificates
$0
3.80% ▲ 1.16% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.16% above avgNationally 2.83%
Details

Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1 Year Certificate
$500
3.80% ▲ 1.16% above Maryland avg
View
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.16% above avgNationally 2.83%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
12 Month Jumbo CD
$0
3.80% ▲ 1.16% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.16% above avgNationally 2.83%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
12 Month Standard CD
$0
3.80% ▲ 1.16% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.16% above avgNationally 2.83%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Business 12 Month Jumbo CD
$0
3.80% ▲ 1.16% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.16% above avgNationally 2.83%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Business 12 Month Standard CD
$0
3.80% ▲ 1.16% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.16% above avgNationally 2.83%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
12 months
$0
3.76% ▲ 1.12% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.12% above avgNationally 2.83%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
1-year term
$500
3.76% ▲ 1.12% above Maryland avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.12% above avgNationally 2.83%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 1-year term
$500
3.76% ▲ 1.12% above Maryland avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.12% above avgNationally 2.83%
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
12-month
$10,000
3.75% ▲ 1.11% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.11% above avgNationally 2.83%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 1 year
$0
3.75% ▲ 1.11% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.11% above avgNationally 2.83%
Details

Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
12 Months
$500
3.75% ▲ 1.11% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.11% above avgNationally 2.83%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
12 months
$100
3.75% ▲ 1.11% above Maryland avg
View
▼
Rate3.69%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.11% above avgNationally 2.83%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 12 months
$0
3.75% ▲ 1.11% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.11% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74% ▲ 1.10% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.10% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74% ▲ 1.10% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.10% above avgNationally 2.83%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 12 months
$0
3.73% ▲ 1.09% above Maryland avg
View
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.09% above avgNationally 2.83%
Details

Baltimore County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
12 month Certificate
$0
3.71% ▲ 1.07% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.07% above avgNationally 2.83%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 12 months
$0
3.71% ▲ 1.07% above Maryland avg
View
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.07% above avgNationally 2.83%
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Certificates - (Share, IRA, HSA) 12-Month
$0
3.70% ▲ 1.06% above Maryland avg
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.06% above avgNationally 2.83%
Details

Better Rewards APY: 4.20%, Better Rewards Dividend Rate: 4.11%

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
12 months (Booster)
$0
3.66% ▲ 1.02% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.02% above avgNationally 2.83%
Details

Booster

Forbright
Institution Rating:
A-5.0 ★Texas Ratio: 15.52%
12 Month
$1,000
3.65% ▲ 1.01% above Maryland avg
View
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.01% above avgNationally 2.83%
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
12 Month CD/IRA
$500
3.65% ▲ 1.01% above Maryland avg
View
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.01% above avgNationally 2.83%
Details

with one-time bump up

Rosedale FSL
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
12-month Certificates of Deposit
$0
3.65% ▲ 1.01% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.01% above avgNationally 2.83%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 1 year
$0
3.65% ▲ 1.01% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.64%▲ 1.01% above avgNationally 2.83%
Details

Brooklandville 18 Month CD Rates

Maryland 18 Month CD Average3.22% APYNational 2.67%▲ 0.34% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
18 Month CD Online and In Branch
$500
4.30% ▲ 1.08% above Maryland avg
View
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 1.08% above avgNationally 2.67%
Details

No additional deposits after initial deposit.

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
18 Month CD
$1,000
4.25% ▲ 1.03% above Maryland avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 1.03% above avgNationally 2.67%
Details

The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
18 Months
$0
4.25% ▲ 1.03% above Maryland avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 1.03% above avgNationally 2.67%
Details

Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
18 Month
$0
4.24% ▲ 1.02% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 1.02% above avgNationally 2.67%
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
18 month
$500
4.00% ▲ 0.78% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.78% above avgNationally 2.67%
Details

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
18-Month M&T Select CD
$0
3.85% ▲ 0.63% above Maryland avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.63% above avgNationally 2.67%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18 months
$0
3.85% ▲ 0.63% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.63% above avgNationally 2.67%
Details

Star Member APY: 3.90%; Star Member Dividend Rate: 3.85%

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
18 months
$500
3.80% ▲ 0.58% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.58% above avgNationally 2.67%
Details

Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
18 Months
$500
3.75% ▲ 0.53% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.53% above avgNationally 2.67%
Details

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18-month SPECIAL
$0
3.75% ▲ 0.53% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.53% above avgNationally 2.67%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificate: Term 18 Months
$500
3.67% ▲ 0.45% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.45% above avgNationally 2.67%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate Term 18 Months
$500
3.67% ▲ 0.45% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.45% above avgNationally 2.67%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 18-month term
$0
3.66% ▲ 0.44% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.44% above avgNationally 2.67%
Details

Variable-Rate*

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Variable-Rate Certificate - 18-month term
$50
3.66% ▲ 0.44% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.44% above avgNationally 2.67%
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
18 Month Regular & IRA Accumulator Certificates
$0
3.65% ▲ 0.43% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.43% above avgNationally 2.67%
Details

Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
18 Month
$500
3.60% ▲ 0.38% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.38% above avgNationally 2.67%
Details

CNB Bank Berkeley Springs, WV
Institution Rating:
A5.0 ★Texas Ratio: 9.31%
18 Month
$0
3.55% ▲ 0.33% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.33% above avgNationally 2.67%
Details

Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
18-Month Share and IRA Certificate Special
$300
3.55% ▲ 0.33% above Maryland avg
View
▼
Rate—
Min Deposit$300
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.33% above avgNationally 2.67%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 18 Month Certificate
$0
3.50% ▲ 0.28% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.28% above avgNationally 2.67%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 18 Month Jumbo Certificate
$0
3.50% ▲ 0.28% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.28% above avgNationally 2.67%
Details

Jumbo

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 Months
$0
3.48% ▲ 0.26% above Maryland avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.26% above avgNationally 2.67%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Rollover Share Certificate 18 months
$5,000
3.47% ▲ 0.25% above Maryland avg
View
▼
Rate3.41%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.25% above avgNationally 2.67%
Details

Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.)

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month CD/IRA
$500
3.45% ▲ 0.23% above Maryland avg
View
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.23% above avgNationally 2.67%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term
$0
3.45% ▲ 0.23% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.23% above avgNationally 2.67%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.45% ▲ 0.23% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.23% above avgNationally 2.67%
Details

Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials Rewards
$0
3.45% ▲ 0.23% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.23% above avgNationally 2.67%
Details

Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term IRA CD Specials
$0
3.45% ▲ 0.23% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.23% above avgNationally 2.67%
Details

Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term IRA CD Specials Rewards
$0
3.45% ▲ 0.23% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.23% above avgNationally 2.67%
Details

Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials - 18-month term
$0
3.45% ▲ 0.23% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.23% above avgNationally 2.67%
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18 Month Certificate
$0
3.40% ▲ 0.18% above Maryland avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.18% above avgNationally 2.67%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Month Certificate
$500
3.40% ▲ 0.18% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.18% above avgNationally 2.67%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Month Jumbo Certificate
$25,000
3.40% ▲ 0.18% above Maryland avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.18% above avgNationally 2.67%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 Months
$0
3.38% ▲ 0.16% above Maryland avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.16% above avgNationally 2.67%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
18 months
$100
3.30% ▲ 0.08% above Maryland avg
View
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.08% above avgNationally 2.67%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
18 Months
$0
3.28% ▲ 0.06% above Maryland avg
View
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.06% above avgNationally 2.67%
Details

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18 Months
$500
3.25% ▲ 0.03% above Maryland avg
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.03% above avgNationally 2.67%
Details

Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
18 Month
$1,000
3.25% ▲ 0.03% above Maryland avg
View
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.03% above avgNationally 2.67%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 18 months
$0
3.25% ▲ 0.03% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.03% above avgNationally 2.67%
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Certificates - (Share, IRA, HSA) 18-Month
$0
3.25% ▲ 0.03% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▲ 0.03% above avgNationally 2.67%
Details

Better Rewards APY: 3.75%, Better Rewards Dividend Rate: 3.68%

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month IRA Mini-Jumbo
$0
3.15% ▼ 0.07% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.07% below avgNationally 2.67%
Details

FedPerks APY**: 3.40%

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month Roth IRA Mini-Jumbo
$0
3.15% ▼ 0.07% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.07% below avgNationally 2.67%
Details

FedPerks APY**: 3.40%

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month SEP IRA Mini-Jumbo
$0
3.15% ▼ 0.07% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.07% below avgNationally 2.67%
Details

FedPerks APY**: 3.40%

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 18 months
$0
3.15% ▼ 0.07% below Maryland avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.07% below avgNationally 2.67%
Details

Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
18 Months
$0
3.15% ▼ 0.07% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.07% below avgNationally 2.67%
Details

Preferred APY*: 3.50%

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month IRA
$0
3.10% ▼ 0.12% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.12% below avgNationally 2.67%
Details

FedPerks APY**: 3.35%

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month Roth IRA
$0
3.10% ▼ 0.12% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.12% below avgNationally 2.67%
Details

FedPerks APY**: 3.35%

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month SEP IRA
$0
3.10% ▼ 0.12% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.12% below avgNationally 2.67%
Details

FedPerks APY**: 3.35%

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Months Regular
$0
3.10% ▼ 0.12% below Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.12% below avgNationally 2.67%
Details

FedPerks APY: 3.35%

WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Month Certificate
$500
3.03% ▼ 0.19% below Maryland avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.19% below avgNationally 2.67%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
18 months
$0
3.00% ▼ 0.22% below Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average3.22%▼ 0.22% below avgNationally 2.67%
Details

Brooklandville 24 Month CD Rates

Maryland 24 Month CD Average2.70% APYNational 2.71%▼ 0.21% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 2 year
$500
4.50% ▲ 1.80% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.80% above avgNationally 2.71%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
24 Month CD
$1,000
4.25% ▲ 1.55% above Maryland avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.55% above avgNationally 2.71%
Details

The Annual Percentage Yield (APY) is accurate as of 08/13/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
24 Months
$0
4.25% ▲ 1.55% above Maryland avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.55% above avgNationally 2.71%
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
24 Month Certificate
$0
4.25% ▲ 1.55% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.55% above avgNationally 2.71%
Details

Special Rate

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
24 months/2 years CD
$10,000
4.10% ▲ 1.40% above Maryland avg
View
▼
Rate4.01%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.40% above avgNationally 2.71%
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 months
$0
4.07% ▲ 1.37% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.37% above avgNationally 2.71%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 months
$0
3.90% ▲ 1.20% above Maryland avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.20% above avgNationally 2.71%
Details

Star Member APY: 3.95%; Star Member Dividend Rate: 3.89%

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90% ▲ 1.20% above Maryland avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.20% above avgNationally 2.71%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 months
$500
3.85% ▲ 1.15% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.15% above avgNationally 2.71%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
IRA Certificate 24 months
$0
3.76% ▲ 1.06% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.06% above avgNationally 2.71%
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
24-month
$10,000
3.75% ▲ 1.05% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.05% above avgNationally 2.71%
Details

Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
24 Months
$0
3.75% ▲ 1.05% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.05% above avgNationally 2.71%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75% ▲ 1.05% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.05% above avgNationally 2.71%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
2-year term
$500
3.71% ▲ 1.01% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.01% above avgNationally 2.71%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 2-year term
$500
3.71% ▲ 1.01% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 1.01% above avgNationally 2.71%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificate: Term 24 Months
$500
3.67% ▲ 0.97% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.97% above avgNationally 2.71%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate Term 24 Months
$500
3.67% ▲ 0.97% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.97% above avgNationally 2.71%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
24 months
$0
3.66% ▲ 0.96% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.96% above avgNationally 2.71%
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2 Year Regular & IRA Certificates
$0
3.60% ▲ 0.90% above Maryland avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.90% above avgNationally 2.71%
Details

Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2 Years Certificate
$500
3.60% ▲ 0.90% above Maryland avg
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.90% above avgNationally 2.71%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
24 Month Jumbo CD
$0
3.60% ▲ 0.90% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.90% above avgNationally 2.71%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
24 Month Standard CD
$0
3.60% ▲ 0.90% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.90% above avgNationally 2.71%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Business 24 Month Jumbo CD
$0
3.60% ▲ 0.90% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.90% above avgNationally 2.71%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Business 24 Month Standard CD
$0
3.60% ▲ 0.90% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.90% above avgNationally 2.71%
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (24 month term)
$1,000
3.56% ▲ 0.86% above Maryland avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.86% above avgNationally 2.71%
Details

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate Accounts 24 months
$500
3.55% ▲ 0.85% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.85% above avgNationally 2.71%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2 Years
$0
3.55% ▲ 0.85% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.85% above avgNationally 2.71%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24 Months
$0
3.54% ▲ 0.84% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.84% above avgNationally 2.71%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 24 months
$0
3.51% ▲ 0.81% above Maryland avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.81% above avgNationally 2.71%
Details

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
24 Months
$500
3.50% ▲ 0.80% above Maryland avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.80% above avgNationally 2.71%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 24 months
$0
3.45% ▲ 0.75% above Maryland avg
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.75% above avgNationally 2.71%
Details

SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
Share 24 months
$0
3.45% ▲ 0.75% above Maryland avg
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.75% above avgNationally 2.71%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24 Months
$0
3.43% ▲ 0.73% above Maryland avg
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.73% above avgNationally 2.71%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 24 months
$0
3.43% ▲ 0.73% above Maryland avg
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.73% above avgNationally 2.71%
Details

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
24 Months Regular
$0
3.35% ▲ 0.65% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.65% above avgNationally 2.71%
Details

FedPerks APY: 3.60%

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Certificates - (Share, IRA, HSA) 24-Month
$0
3.35% ▲ 0.65% above Maryland avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.65% above avgNationally 2.71%
Details

Better Rewards APY: 3.85%, Better Rewards Dividend Rate: 3.78%

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2 Years
$0
3.35% ▲ 0.65% above Maryland avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.65% above avgNationally 2.71%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
24 Months
$0
3.33% ▲ 0.63% above Maryland avg
View
▼
Rate3.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.63% above avgNationally 2.71%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
24 months
$100
3.30% ▲ 0.60% above Maryland avg
View
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.60% above avgNationally 2.71%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 2 years
$0
3.25% ▲ 0.55% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.55% above avgNationally 2.71%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 24 Month Certificate
$0
3.25% ▲ 0.55% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.55% above avgNationally 2.71%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 24 Month Jumbo Certificate
$0
3.25% ▲ 0.55% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.55% above avgNationally 2.71%
Details

Jumbo

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
2 Years
$0
3.25% ▲ 0.55% above Maryland avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.55% above avgNationally 2.71%
Details

Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
24 Months
$0
3.20% ▲ 0.50% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.50% above avgNationally 2.71%
Details

Preferred APY*: 3.55%

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 2 years
$0
3.15% ▲ 0.45% above Maryland avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.45% above avgNationally 2.71%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24 Month Certificate
$500
3.15% ▲ 0.45% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.45% above avgNationally 2.71%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24 Month Jumbo Certificate
$25,000
3.15% ▲ 0.45% above Maryland avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.45% above avgNationally 2.71%
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
24 Month Certificate
$500
3.03% ▲ 0.33% above Maryland avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.33% above avgNationally 2.71%
Details

Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
24 Month
$1,000
3.00% ▲ 0.30% above Maryland avg
View
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.30% above avgNationally 2.71%
Details

Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 Month
$500
3.00% ▲ 0.30% above Maryland avg
View
▼
Rate2.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.70%▲ 0.30% above avgNationally 2.71%
Details

Brooklandville 36 Month CD Rates

Maryland 36 Month CD Average2.75% APYNational 2.66%▼ 0.22% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
36 Month CD Online and In Branch
$500
4.30% ▲ 1.55% above Maryland avg
View
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.55% above avgNationally 2.66%
Details

No additional deposits after initial deposit.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 3 year
$500
4.15% ▲ 1.40% above Maryland avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.40% above avgNationally 2.66%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15% ▲ 1.40% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.40% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86% ▲ 1.11% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.11% above avgNationally 2.66%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificate: Term 36 Months
$500
3.82% ▲ 1.07% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.07% above avgNationally 2.66%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate Term 36 Months
$500
3.82% ▲ 1.07% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.07% above avgNationally 2.66%
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (36 month term)
$1,000
3.76% ▲ 1.01% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.01% above avgNationally 2.66%
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
36-month
$10,000
3.75% ▲ 1.00% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.00% above avgNationally 2.66%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
36 Months
$0
3.75% ▲ 1.00% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.00% above avgNationally 2.66%
Details

Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Years Certificate
$500
3.75% ▲ 1.00% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.00% above avgNationally 2.66%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
36 Month Jumbo CD
$0
3.75% ▲ 1.00% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.00% above avgNationally 2.66%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
36 Month Standard CD
$0
3.75% ▲ 1.00% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.00% above avgNationally 2.66%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Business 36 Month Jumbo CD
$0
3.75% ▲ 1.00% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.00% above avgNationally 2.66%
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Business 36 Month Standard CD
$0
3.75% ▲ 1.00% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 1.00% above avgNationally 2.66%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
3-year term
$0
3.71% ▲ 0.96% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.96% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71% ▲ 0.96% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.96% above avgNationally 2.66%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
IRA Certificate 36 months
$0
3.66% ▲ 0.91% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.91% above avgNationally 2.66%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
3-year term
$500
3.66% ▲ 0.91% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.91% above avgNationally 2.66%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 3-year term
$500
3.66% ▲ 0.91% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.91% above avgNationally 2.66%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36 Months
$0
3.65% ▲ 0.90% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.90% above avgNationally 2.66%
Details

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate Accounts 36 months
$500
3.65% ▲ 0.90% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.90% above avgNationally 2.66%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
36 months
$0
3.65% ▲ 0.90% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.90% above avgNationally 2.66%
Details

Star Member APY: 3.70%; Star Member Dividend Rate: 3.65%

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
36 months/3 years CD
$10,000
3.60% ▲ 0.85% above Maryland avg
View
▼
Rate3.53%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.85% above avgNationally 2.66%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
36 months
$500
3.60% ▲ 0.85% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.85% above avgNationally 2.66%
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
3 Year Regular & IRA Certificates
$0
3.60% ▲ 0.85% above Maryland avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.85% above avgNationally 2.66%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
36 months
$0
3.56% ▲ 0.81% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.81% above avgNationally 2.66%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 3-year term
$0
3.56% ▲ 0.81% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.81% above avgNationally 2.66%
Details

Variable-Rate*

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Variable-Rate Certificate - 3-year term
$50
3.56% ▲ 0.81% above Maryland avg
View
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.81% above avgNationally 2.66%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36 Months
$0
3.55% ▲ 0.80% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.80% above avgNationally 2.66%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
36 Months
$100
3.55% ▲ 0.80% above Maryland avg
View
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.80% above avgNationally 2.66%
Details

MyTimes Certificate (members 50 and over)

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 36 months
$0
3.51% ▲ 0.76% above Maryland avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.76% above avgNationally 2.66%
Details

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
36 Months
$500
3.50% ▲ 0.75% above Maryland avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.75% above avgNationally 2.66%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 36 months
$0
3.47% ▲ 0.72% above Maryland avg
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.72% above avgNationally 2.66%
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Certificates - (Share, IRA, HSA) 36-Month
$0
3.45% ▲ 0.70% above Maryland avg
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.70% above avgNationally 2.66%
Details

Better Rewards APY: 3.95%, Better Rewards Dividend Rate: 3.87%

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 36 months
$0
3.45% ▲ 0.70% above Maryland avg
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.70% above avgNationally 2.66%
Details

SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
IRA 36 months
$0
3.45% ▲ 0.70% above Maryland avg
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.70% above avgNationally 2.66%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
36 Months
$0
3.44% ▲ 0.69% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.69% above avgNationally 2.66%
Details

SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
Share 36 months
$0
3.40% ▲ 0.65% above Maryland avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.65% above avgNationally 2.66%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years
$0
3.35% ▲ 0.60% above Maryland avg
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.60% above avgNationally 2.66%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 3 years
$0
3.25% ▲ 0.50% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.50% above avgNationally 2.66%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 36 Month Certificate
$0
3.25% ▲ 0.50% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.50% above avgNationally 2.66%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
IRA, Roth or ESA Certificate Accounts 36 Month Jumbo Certificate
$0
3.25% ▲ 0.50% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.50% above avgNationally 2.66%
Details

Jumbo

Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
36 Months
$0
3.25% ▲ 0.50% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.50% above avgNationally 2.66%
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit Promo 36-Month Bump Up
$0
3.20% ▲ 0.45% above Maryland avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.45% above avgNationally 2.66%
Details

Bump Up

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
36 Month Certificate
$0
3.20% ▲ 0.45% above Maryland avg
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.45% above avgNationally 2.66%
Details

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
36 Months Regular
$0
3.15% ▲ 0.40% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.40% above avgNationally 2.66%
Details

FedPerks APY: 3.40%

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 3 years
$0
3.15% ▲ 0.40% above Maryland avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.40% above avgNationally 2.66%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
36 Month Certificate
$500
3.15% ▲ 0.40% above Maryland avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.40% above avgNationally 2.66%
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
36 Month Jumbo Certificate
$25,000
3.15% ▲ 0.40% above Maryland avg
View
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.40% above avgNationally 2.66%
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
36 Month Certificate
$500
3.03% ▲ 0.28% above Maryland avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.75%▲ 0.28% above avgNationally 2.66%
Details

Brooklandville 48 Month CD Rates

Maryland 48 Month CD Average2.88% APYNational 2.65%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4 year Mini-Jumbo IRA Share Certificate
$20,000
4.35% ▲ 1.47% above Maryland avg
View
▼
Rate4.26%
Min Deposit$20,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 1.47% above avgNationally 2.65%
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 4 year
$500
4.20% ▲ 1.32% above Maryland avg
View
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 1.32% above avgNationally 2.65%
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (48 month term)
$1,000
3.87% ▲ 0.99% above Maryland avg
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.99% above avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86% ▲ 0.98% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.98% above avgNationally 2.65%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificate: Term 48 Months
$500
3.82% ▲ 0.94% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.94% above avgNationally 2.65%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate Term 48 Months
$500
3.82% ▲ 0.94% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.94% above avgNationally 2.65%
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
48-month
$10,000
3.75% ▲ 0.87% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.87% above avgNationally 2.65%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
48 Months
$0
3.75% ▲ 0.87% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.87% above avgNationally 2.65%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48 Months
$0
3.73% ▲ 0.85% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.85% above avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71% ▲ 0.83% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.83% above avgNationally 2.65%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
48 months
$0
3.70% ▲ 0.82% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.82% above avgNationally 2.65%
Details

Star Member APY: 3.75%; Star Member Dividend Rate: 3.70%

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4 year Bump-Up IRA Share Certificate
$5,000
3.70% ▲ 0.82% above Maryland avg
View
▼
Rate3.63%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.82% above avgNationally 2.65%
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4 year Bump-Up Share Certificate
$0
3.70% ▲ 0.82% above Maryland avg
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.82% above avgNationally 2.65%
Details

Bump-Up

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
4-year term
$0
3.66% ▲ 0.78% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.78% above avgNationally 2.65%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
48 months
$500
3.65% ▲ 0.77% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.77% above avgNationally 2.65%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48 Months
$0
3.63% ▲ 0.75% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.75% above avgNationally 2.65%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
4-year term
$500
3.61% ▲ 0.73% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.73% above avgNationally 2.65%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 4-year term
$500
3.61% ▲ 0.73% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.73% above avgNationally 2.65%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
48 months
$100
3.55% ▲ 0.67% above Maryland avg
View
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.67% above avgNationally 2.65%
Details

Member Rewards Gold Certificate

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
4 Year Regular & IRA Certificates
$0
3.55% ▲ 0.67% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.67% above avgNationally 2.65%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
48 Months
$0
3.53% ▲ 0.65% above Maryland avg
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.65% above avgNationally 2.65%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
IRA Certificate 48 months
$0
3.45% ▲ 0.57% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.57% above avgNationally 2.65%
Details

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate Accounts 48 months
$500
3.44% ▲ 0.56% above Maryland avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.56% above avgNationally 2.65%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
48 months
$100
3.43% ▲ 0.55% above Maryland avg
View
▼
Rate3.38%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.55% above avgNationally 2.65%
Details

Member Rewards Silver Certificate

SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
Share 48 months
$0
3.40% ▲ 0.52% above Maryland avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.52% above avgNationally 2.65%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
48 months
$0
3.35% ▲ 0.47% above Maryland avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.47% above avgNationally 2.65%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 48 months
$0
3.32% ▲ 0.44% above Maryland avg
View
▼
Rate3.28%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.44% above avgNationally 2.65%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
48 months
$100
3.30% ▲ 0.42% above Maryland avg
View
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.42% above avgNationally 2.65%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 4 years
$0
3.25% ▲ 0.37% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.37% above avgNationally 2.65%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 4 years
$0
3.15% ▲ 0.27% above Maryland avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.27% above avgNationally 2.65%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 48 months
$0
3.11% ▲ 0.23% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.23% above avgNationally 2.65%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 48 months
$0
3.10% ▲ 0.22% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.22% above avgNationally 2.65%
Details

Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
IRA & Education Share Certificates 48 Months
$0
3.03% ▲ 0.15% above Maryland avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.15% above avgNationally 2.65%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4 years
$0
3.00% ▲ 0.12% above Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.12% above avgNationally 2.65%
Details

Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
48 Months
$0
3.00% ▲ 0.12% above Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.12% above avgNationally 2.65%
Details

Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
48 Months
$0
3.00% ▲ 0.12% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.12% above avgNationally 2.65%
Details

Preferred APY*: 3.35%

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4 Year Certificate
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
48 Months Regular
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

FedPerks APY: 3.15%

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4 years
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard CDs
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard CDs Rewards
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard IRA CDs
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard IRA CDs Rewards
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Standard IRA CDs 48-month term
$0
2.90% ▲ 0.02% above Maryland avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▲ 0.02% above avgNationally 2.65%
Details

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
48 Months
$500
2.75% ▼ 0.13% below Maryland avg
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▼ 0.13% below avgNationally 2.65%
Details

Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
48 Month
$1,000
2.75% ▼ 0.13% below Maryland avg
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▼ 0.13% below avgNationally 2.65%
Details

Step-Up

Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 Month
$500
2.75% ▼ 0.13% below Maryland avg
View
▼
Rate2.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▼ 0.13% below avgNationally 2.65%
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
48 Month CD/IRA
$500
2.75% ▼ 0.13% below Maryland avg
View
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▼ 0.13% below avgNationally 2.65%
Details

First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 months
$0
2.75% ▼ 0.13% below Maryland avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.88%▼ 0.13% below avgNationally 2.65%
Details

Brooklandville 60 Month CD Rates

Maryland 60 Month CD Average2.67% APYNational 2.76%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
5 year Mini-Jumbo IRA Share Certificate
$20,000
4.40% ▲ 1.73% above Maryland avg
View
▼
Rate4.31%
Min Deposit$20,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.73% above avgNationally 2.76%
Details

CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month CD Online and In Branch
$500
4.30% ▲ 1.63% above Maryland avg
View
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.63% above avgNationally 2.76%
Details

No additional deposits after initial deposit.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Regular IRA Share Certificates 5 year
$500
4.25% ▲ 1.58% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.58% above avgNationally 2.76%
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificate (60 month term)
$1,000
3.97% ▲ 1.30% above Maryland avg
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.30% above avgNationally 2.76%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97% ▲ 1.30% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.30% above avgNationally 2.76%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificate: Term 60 Months
$500
3.82% ▲ 1.15% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.15% above avgNationally 2.76%
Details

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate Term 60 Months
$500
3.82% ▲ 1.15% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.15% above avgNationally 2.76%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81% ▲ 1.14% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.14% above avgNationally 2.76%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60 Months
$0
3.77% ▲ 1.10% above Maryland avg
View
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.10% above avgNationally 2.76%
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
60-month
$10,000
3.75% ▲ 1.08% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.08% above avgNationally 2.76%
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
60 Months
$0
3.75% ▲ 1.08% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.08% above avgNationally 2.76%
Details

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
60 months
$0
3.75% ▲ 1.08% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.08% above avgNationally 2.76%
Details

Star Member APY: 3.80%; Star Member Dividend Rate: 3.75%

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
5 year Bump-Up IRA Share Certificate
$5,000
3.75% ▲ 1.08% above Maryland avg
View
▼
Rate3.68%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.08% above avgNationally 2.76%
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
5 year Bump-Up Share Certificate
$0
3.75% ▲ 1.08% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.08% above avgNationally 2.76%
Details

Bump-Up

Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
60 months
$500
3.70% ▲ 1.03% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.03% above avgNationally 2.76%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60 Months
$0
3.67% ▲ 1.00% above Maryland avg
View
▼
Rate3.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 1.00% above avgNationally 2.76%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
5 Years
$0
3.65% ▲ 0.98% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.98% above avgNationally 2.76%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
5-year term
$0
3.61% ▲ 0.94% above Maryland avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.94% above avgNationally 2.76%
Details

Farmers Bank of Willards
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
60 Months
$0
3.57% ▲ 0.90% above Maryland avg
View
▼
Rate3.52%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.90% above avgNationally 2.76%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
5-year term
$500
3.56% ▲ 0.89% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.89% above avgNationally 2.76%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 5-year term
$500
3.56% ▲ 0.89% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.89% above avgNationally 2.76%
Details

Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate Accounts 60 months
$500
3.55% ▲ 0.88% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.88% above avgNationally 2.76%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
60 months
$100
3.55% ▲ 0.88% above Maryland avg
View
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.88% above avgNationally 2.76%
Details

Member Rewards Gold Certificate

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
5 Year Regular & IRA Certificates
$0
3.55% ▲ 0.88% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.88% above avgNationally 2.76%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo Certificates 60 months
$0
3.50% ▲ 0.83% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.83% above avgNationally 2.76%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
IRA Certificate 60 months
$0
3.45% ▲ 0.78% above Maryland avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.78% above avgNationally 2.76%
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
5 Years
$0
3.45% ▲ 0.78% above Maryland avg
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.78% above avgNationally 2.76%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
60 months
$100
3.43% ▲ 0.76% above Maryland avg
View
▼
Rate3.38%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.76% above avgNationally 2.76%
Details

Member Rewards Silver Certificate

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
IRA Certificates 60 months
$0
3.42% ▲ 0.75% above Maryland avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.75% above avgNationally 2.76%
Details

Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificates 60 months
$0
3.40% ▲ 0.73% above Maryland avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.73% above avgNationally 2.76%
Details

SPECTRA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
Share 60 months
$0
3.40% ▲ 0.73% above Maryland avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.73% above avgNationally 2.76%
Details

Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.90%
60 months
$0
3.35% ▲ 0.68% above Maryland avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.68% above avgNationally 2.76%
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
60 months
$100
3.30% ▲ 0.63% above Maryland avg
View
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.63% above avgNationally 2.76%
Details

Forbright
Institution Rating:
A-5.0 ★Texas Ratio: 15.52%
60 Month
$1,000
3.25% ▲ 0.58% above Maryland avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.58% above avgNationally 2.76%
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 5-year term
$0
3.25% ▲ 0.58% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.58% above avgNationally 2.76%
Details

Variable-Rate*

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Variable-Rate Certificate - 5-year term
$50
3.25% ▲ 0.58% above Maryland avg
View
▼
Rate3.20%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.58% above avgNationally 2.76%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 5 years
$0
3.25% ▲ 0.58% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.58% above avgNationally 2.76%
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 months
$0
3.25% ▲ 0.58% above Maryland avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.58% above avgNationally 2.76%
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
60 Month Certificate
$0
3.15% ▲ 0.48% above Maryland avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.48% above avgNationally 2.76%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 5 years
$0
3.15% ▲ 0.48% above Maryland avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.48% above avgNationally 2.76%
Details

Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
60 Months
$0
3.10% ▲ 0.43% above Maryland avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.43% above avgNationally 2.76%
Details

Preferred APY*: 3.45%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term
$0
3.10% ▲ 0.43% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.43% above avgNationally 2.76%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard CDs
$0
3.10% ▲ 0.43% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.43% above avgNationally 2.76%
Details

Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard CDs Rewards
$0
3.10% ▲ 0.43% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.43% above avgNationally 2.76%
Details

Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard IRA CDs
$0
3.10% ▲ 0.43% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.43% above avgNationally 2.76%
Details

Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term Standard IRA CDs Rewards
$0
3.10% ▲ 0.43% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.43% above avgNationally 2.76%
Details

Regular APY 2.84% Dividend Rate 2.81%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Standard IRA CDs 60-month term
$0
3.10% ▲ 0.43% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.43% above avgNationally 2.76%
Details

First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
60 Months
$500
3.00% ▲ 0.33% above Maryland avg
View
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.33% above avgNationally 2.76%
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
5 years
$0
3.00% ▲ 0.33% above Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.33% above avgNationally 2.76%
Details

Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
60 Months
$0
3.00% ▲ 0.33% above Maryland avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maryland Average2.67%▲ 0.33% above avgNationally 2.76%
Details

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 Brooklandville, Maryland Institutions

Highest verified APYs available today — updated August 28, 2026

B Top 5 Bank Rates
NATIONAL INSTITUTES OF HEALTH
6 Month Youth Saver
A+ 5.0 ★ TX: 1.67%
Min: $500
5.00%
EagleBank
12 Month CD
A+ 5.0 ★ TX: 5.93%
Min: $1,000
4.35%
CFG Bank
12 Month CD Online and In Branch
A 5.0 ★ TX: 10.06%
Min: $500
4.30%
U S POSTAL SERVICE
1 Year Starter Add-On
A+ 5.0 ★ TX: 4.34%
Min: $0
4.25%
USALLIANCE
24 Month Certificate
B 4.5 ★ TX: 6.66%
Min: $0
4.25%
CU Top 5 Credit Union Rates
Tower Federal Credit Union
Regular IRA Share Certificates 2 year
A+ 5.0 ★ TX: 1.30%
Min: $500
4.50%
APL Federal Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 2.79%
Min: $500
4.25%
Educational Systems Federal Credit Union
12 months New Money
A+ 5.0 ★ TX: 2.68%
Min: $0
4.20%
Partners 1st Federal Credit Union
24 months
A+ 5.0 ★ TX: 3.69%
Min: $0
4.07%
Signal Financial Federal Credit Union
Business Share Certificate: Term 12 Months
A+ 5.0 ★ TX: 3.40%
Min: $500
4.05%
Rates verified August 28, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Brooklandville, MD CD Rate Trends

Compare local Brooklandville, 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
2.636%
▼ 0.703 vs 7 days ago

Maryland 12-month CD rates fell 0.703 points over the past 7 days to 2.636% APY.

6-Month CD — MD Avg
1.750%
▼ 0.844 vs 7 days ago

Maryland 6-month CD rates fell 0.844 points over the past 7 days to 1.750% APY.

As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

MD CD Rate Forecast — Next 12 Months

Where are Maryland CD rates headed through August 2027?

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

MD 12-Month Avg APY
2.636%
6-Month Forecast
2.636%
Range: 2.44% – 2.79%
12-Month Forecast
2.386%
Range: 2.19% – 2.54%

Data inputs: The central forecast uses CME FedWatch implied fed funds path 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 1.74% 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% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at MD CD Rates Today

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

CD Term MD Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.260% $63.02 $126.03 $315.08 $630.15
6-Month CD 1.750% $87.49 $174.97 $437.42 $874.85
12-Month CD 2.636% $131.79 $263.57 $658.93 $1,317.85
18-Month CD 3.224% $161.20 $322.41 $806.03 $1,612.05
24-Month CD 2.699% $134.95 $269.90 $674.75 $1,349.50
36-Month CD 2.748% $137.41 $274.81 $687.03 $1,374.05
48-Month CD 2.880% $144.00 $288.00 $720.00 $1,440.00
60-Month CD 2.667% $133.33 $266.66 $666.65 $1,333.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026.

Sample CD Ladder for Brooklandville, 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 1.260% $63.02
2 6-Month CD $5,000 1.750% $87.49
3 12-Month CD $5,000 2.636% $131.79
4 24-Month CD $5,000 2.699% $134.95
5 36-Month CD $5,000 2.748% $137.41
Total ($25,000 invested) $25,000 2.219% blended $554.66/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.

614
CD Rates
Tracked in Brooklandville, Maryland
31 Banks 40 Credit Unions

About Our Brooklandville, Maryland CD Rate Database

MonitorBankRates tracks 614 CD rates from 31 banks and 40 credit unions with locations in Brooklandville, Maryland, plus national online institutions available to Maryland residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

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

Current top rate: NATIONAL INSTITUTES OF HEALTH offers a CD at 5.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Brooklandville, Maryland.

How to Find the Best CD Rates in Brooklandville, Maryland

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

To find the best APYs in Brooklandville, Maryland, start with credit unions and online-only banks — Brooklandville, Maryland has 40 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 Brooklandville, 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 Brooklandville, Maryland — 71 institutions here report CD rates

Consider an Alternative If…

Maryland Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)

Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$56,984
National avg: $47,340
Poverty Rate
9.4%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$150/yr
At MD 12-mo avg 2.636% APY

16.7% of residents are 65 or older — below the national average of 17.3%. At today’s MD 12-month CD average of 2.636%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $150 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 Brooklandville, Maryland

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

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

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

Choosing a CD Term in Brooklandville, 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 Brooklandville, Maryland savers easier access to their funds. For example, NATIONAL INSTITUTES OF HEALTH is offering its 6 Month Youth Saver at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tower Federal Credit Union is offering its 5 year Mini-Jumbo IRA Share Certificate at 4.40% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Brooklandville, 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 Brooklandville, 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 Brooklandville, 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 Brooklandville, 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 Brooklandville, Maryland

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

Are CD rates in Brooklandville, Maryland FDIC insured?

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

Here are recent top rates found for this area:
  • NATIONAL INSTITUTES OF HEALTH: 5.00% APY (6 Month Youth Saver)
  • Tower Federal Credit Union: 4.50% APY (Regular IRA Share Certificates 2 year)
  • EagleBank: 4.35% APY (12 Month CD)
  • CFG Bank: 4.30% APY (12 Month CD Online and In Branch)
  • APL Federal Credit Union: 4.25% APY (6 Month Certificate)
  • U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
  • USALLIANCE: 4.25% APY (24 Month Certificate)
  • Arundel Federal Savings Bank: 4.24% APY (18 Month)
  • Educational Systems Federal Credit Union: 4.20% APY (12 months New Money)
  • Partners 1st Federal Credit Union: 4.07% APY (24 months)
Rates reflect recent verified offers available in Brooklandville, Maryland. Last Updated: August 28, 2026

Brooklandville, 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 Brooklandville, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Brooklandville, Maryland CD Rates by Term

Verified August 28, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Brooklandville, Maryland. Averages shown use the Maryland state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Brooklandville, Maryland

Brooklandville, Maryland CD Calculator

At today’s MD top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Brooklandville, Maryland CD Ladder

MD CD rates currently range from 1.260% (3-month) to 2.748% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Brooklandville, Maryland CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Maryland’s average 12-month CD is 2.636% 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 Brooklandville, 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 Brooklandville, 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 Brooklandville, 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: August 28, 2026

Brooklandville, Maryland Rates & Resources

$
Brooklandville, Maryland Mortgage Rates
$
Brooklandville, Maryland Home Equity Loan Rates
$
Brooklandville, Maryland Savings Rates
$
Brooklandville, Maryland Money Market Rates
$
Brooklandville, Maryland Checking Rates
$
Brooklandville, Maryland Auto Loan Rates
$
Brooklandville, Maryland Personal Loan Rates
$
Brooklandville, Maryland Homeowners Insurance
$
Brooklandville, Maryland Car Insurance