CD Rates Frederick, Maryland (MD) for March 2026
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Brian McKay
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Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Frederick, Maryland CD rates include Atlantic Union BankAtlantic Union Bank30 W Patrick St, Frederick, MD 21701A+5.0 ★Texas Ratio: 1.56% offering 3 Month CD and IRA Specials at 3.80% APY, Patriot Federal Credit UnionPatriot Federal Credit Union5099 Corporate Dr, Frederick, MD 21703A+5.0 ★Texas Ratio: 1.86% offering 36 Month Share Certificate - Traditional IRA or Roth IRA at 3.70% APY, State Employees Credit UnionState Employees Credit Union5110 Buckeystown Pike, Frederick, MD 21704A+5.0 ★Texas Ratio: 5.38% offering 1 year Savings CD at 3.55% APY, TruistTruist5280 Corporate Dr, Frederick, MD 21703A+5.0 ★Texas Ratio: 3.63% offering 12-month CD at 3.25% APY, and Fulton BankFulton Bank5211 Presidents Ct, Frederick, MD 21703A+5.0 ★Texas Ratio: 4.98% offering Promotional Certificate of Deposit 36-Month Bump Up at 3.20% APY. CD rates as of March 29, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Frederick, Maryland, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 29, 2026
Compare Best CD Rates in Frederick, Maryland & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 W Patrick St, Frederick, MD 21701
3 Month CD and IRA Specials
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
3 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
1.70%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Certificate of Deposit 3-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
14 W Patrick St, Frederick, MD 21701
90 Day CD
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
7860 Wormans Mill Rd, Frederick, MD 21701
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
10035 Baltimore National Pike, Ellicott City, MD 21042
WooriWON 3-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
This APY applies to only WooriWON 3-month CD product which is only available online.; Online Only
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2345 Eastern Ave, Baltimore, MD 21224
3 Month Certificate
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 1 month interest
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 3 Month Certificate
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 3 month
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
3 month Certificate of Deposit (Consumer & Commercial), IRA Accounts
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 W Patrick St, Frederick, MD 21701
6 Month CD and IRA Specials
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
6 Month Share Certificate
$250,000
2.25%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Certificate of Deposit 6-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
7860 Wormans Mill Rd, Frederick, MD 21701
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2345 Eastern Ave, Baltimore, MD 21224
6 Month Certificate
$0
4.08%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 1 month interest
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
6 Month CD
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
6 Month Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Minimum Deposit $1,000
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
6 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
6 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
22745 Maple Rd, Lexington Park, MD 20653
Short Term Certificate Account 6 month
$10,000
3.44%
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
*APY assumes reinvestment at the same term for 12 months
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
6 Month CD
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (6 month term)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
40 W Plaza, Catonsville, MD 21228
6 Month Certificates - (Business)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
6 Month Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 6-month
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
Youth Savings 6 Month Certificate
$25
2.50%
▼
Rate2.47%
Min Deposit$25
Min Balance—
UpdatedMar 29, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
6 Month Certificate of Deposit
$500
2.00%
▼
Rate1.97%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
4 - 6 Month Certificate of Deposit
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cecil Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
127 North St, Elkton, MD 21921
6-Month CD
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
6-Month Term Regular & IRA Certificates
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
6 month Certificate of Deposit (Consumer & Commercial), IRA Accounts
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
890 Bestgate Rd, Annapolis, MD 21401
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
5110 Buckeystown Pike, Frederick, MD 21704
1 year Savings CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
5280 Corporate Dr, Frederick, MD 21703
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
12 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
2.35%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
7860 Wormans Mill Rd, Frederick, MD 21701
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 W Patrick St, Frederick, MD 21701
CDs and IRAs 1 Year
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Certificate of Deposit 12-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 1 year
$500
4.50%
▼
Rate4.40%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD 20850
12 Month Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
726 Cambridge Plz, Cambridge, MD 21613
12-month Promotional Savings Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
12 Month CD
$1,000
3.95%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
12 Month Bonus Certificates
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
1 Year Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
1-year term
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
12 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
12 Month CD/IRA
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
with one-time bump up
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 12 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2345 Eastern Ave, Baltimore, MD 21224
12 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 3 months interest
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
IRA Certificates 1 year
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (12 month term)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
40 W Plaza, Catonsville, MD 21228
12 Month Certificates - (Business)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 12-month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
8501 La Salle Rd, Baltimore, MD 21286 5914
1 Year Certificate of Deposit
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
IBEW 26 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
4371 Parliament Pl Ste C, Lanham, MD 20706
12 Month Share Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Regular, IRA, & ESA Certificate 12 Month Accumulator
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
Fixed Rate 12 Month IRA Certificates
$250
2.53%
▼
Rate2.50%
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
9800 TECHNOLOGY WAY, LARGO, MD 20774
Certificates 1 year
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
4003 Branch Ave, Temple Hills, MD 20748
1 Year - Certificate or IRA Certificate
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
19638 Leitersburg Pike, Hagerstown, MD 21742
12 Month Term Share Certificates (CDs)
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Dividends are compounded monthly and paid monthly or on maturity. Minimum balance of $1,000 is required to open and maintain a certificate account. Once a certificate is opened, no additions can be made until maturity. Early Withdrawal Penalty - The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cecil Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
127 North St, Elkton, MD 21921
1-Year CD
$500
1.16%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
12-Month Term Regular & IRA Certificates
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
890 Bestgate Rd, Annapolis, MD 21401
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Certificate of Deposit 18-Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD 20850
18 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
18 Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
18 Month CD Online and In Branch
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
No additional deposits after initial deposit
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMar 29, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
18 Month Regular & IRA Accumulator Certificates
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
18 Month Certificate of Deposit
$500
3.60%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2345 Eastern Ave, Baltimore, MD 21224
18 Month Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 3 months interest
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular and Special Share Certificates 18 month
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 18 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
18 Month CD/IRA
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
18 Month Certificate
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Minimum Deposit $1,000
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
10001 Willowdale Rd, Lanham, MD 20706 4321
18 Month IRA Mini-Jumbo Term Certificates
$50,000
3.15%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
18 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
40 W Plaza, Catonsville, MD 21228
18 Month Certificates - (Business)
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
18 Month IRA Certificates
$250
2.53%
▼
Rate2.50%
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Cecil Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
127 North St, Elkton, MD 21921
IRA(18-Month term/ min.)
$100
1.16%
▼
Rate1.15%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
$100
POCU of Maryland
Institution Rating:
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
18-Month Term Regular & IRA Certificates
$0
1.05%
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
8211 Annapolis Rd, Hyattsville, MD 20784
18 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
18 month Certificate of Deposit (Consumer & Commercial), IRA Accounts
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
24 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
2.75%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 29, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 W Patrick St, Frederick, MD 21701
CDs and IRAs 2 Year
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Certificate of Deposit 24-Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 2 year
$500
4.40%
▼
Rate4.31%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD 20850
24 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rate Special
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
24 Month Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
24 Month Bonus Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2345 Eastern Ave, Baltimore, MD 21224
24 Month Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 3 months interest
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
24 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (24 month term)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
24 Month Jumbo CD
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
40 W Plaza, Catonsville, MD 21228
24-Month Certificates - (Share, IRA) Better Rewards
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 24 Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 24-month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
24 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
24 Month Certificate
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Minimum Deposit $1,000
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
4003 Branch Ave, Temple Hills, MD 20748
2 Year - Certificate or IRA Certificate
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
F&M Trust Company of Chambersburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
83 W Washington Street, Hagerstown, MD 21740
24-month CD
$25,000
2.25%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Certain new money restrictions apply.
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
19638 Leitersburg Pike, Hagerstown, MD 21742
24 Month Term Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Dividends are compounded monthly and paid monthly or on maturity. Minimum balance of $1,000 is required to open and maintain a certificate account. Once a certificate is opened, no additions can be made until maturity. Early Withdrawal Penalty - The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
13 - 24 Month Certificate of Deposit
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cecil Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
127 North St, Elkton, MD 21921
1 1/2-Year CD
$500
1.16%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
24-Month Term Regular & IRA Certificates
$0
1.13%
▼
Rate1.12%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
8211 Annapolis Rd, Hyattsville, MD 20784
24 Month Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
24 month Certificate of Deposit (Consumer & Commercial), IRA Accounts
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Promotional Certificate of Deposit 36-Month Bump Up
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
14 W Patrick St, Frederick, MD 21701
3 Year CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 W Patrick St, Frederick, MD 21701
CDs and IRAs 3 Year
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 3 year
$500
4.10%
▼
Rate4.02%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD 20850
36 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rate Special
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Jumbo 3-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2345 Eastern Ave, Baltimore, MD 21224
36 Month Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 3 months interest
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
36 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
11104 McCormick Rd, Hunt Valley, MD 21031 1404
36 Month Jumbo CD
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
36 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
No additional deposits after initial deposit
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
IRA 36 Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
40 W Plaza, Catonsville, MD 21228
36-Month Certificates - (Share, IRA) Better Rewards
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 36-month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
36 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
36 Month Certificate of Deposit
$500
2.60%
▼
Rate2.54%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
36 Month Certificate
$1,000
2.55%
▼
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Minimum Deposit $1,000
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
4003 Branch Ave, Temple Hills, MD 20748
3 Year - Certificate or IRA Certificate
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
F&M Trust Company of Chambersburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
83 W Washington Street, Hagerstown, MD 21740
36-month CD
$25,000
2.45%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Certain new money restrictions apply.
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
36 Month (Bump-Up) Certificate of Deposit
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
19638 Leitersburg Pike, Hagerstown, MD 21742
36 Month Term Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Dividends are compounded monthly and paid monthly or on maturity. Minimum balance of $1,000 is required to open and maintain a certificate account. Once a certificate is opened, no additions can be made until maturity. Early Withdrawal Penalty - The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
36 Month IRA Certificates
$250
1.26%
▼
Rate1.25%
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD 21233 1050
36-Month Term Regular & IRA Certificates
$0
1.19%
▼
Rate1.18%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cecil Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
127 North St, Elkton, MD 21921
3-Year CD
$500
1.16%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
8211 Annapolis Rd, Hyattsville, MD 20784
3 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
100 Spring Ave, Chestertown, MD 21620
36 Month Peoples Choice Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
(1 optional rate increase available)
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 W Patrick St, Frederick, MD 21701
CDs and IRAs 4 Year
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Certificate of Deposit 48-Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificates
$20,000
4.30%
▼
Rate4.21%
Min Deposit$20,000
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD 20850
48 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1304 E Churchville Rd, Bel Air, MD 21014
Regular Share, Youth and IRA Certificates 48-Month
$300
3.80%
▼
Rate3.75%
Min Deposit$300
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
48 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
48 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
4 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
48 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 48-month
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
48 Month (Step-Up) Certificate
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Minimum Deposit $1,000
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
4003 Branch Ave, Temple Hills, MD 20748
4 Year - Certificate or IRA Certificate
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
48 Month IRA Certificates
$250
1.51%
▼
Rate1.50%
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Cecil Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
127 North St, Elkton, MD 21921
4-Year CD
$500
1.16%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
14 W Patrick St, Frederick, MD 21701
5 Year CD
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 W Patrick St, Frederick, MD 21701
CDs and IRAs 5 Year
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Certificate of Deposit 60-Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
5 year Mini-Jumbo IRA Share Certificates
$20,000
4.35%
▼
Rate4.26%
Min Deposit$20,000
Min Balance—
UpdatedMar 29, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD 20850
60 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2345 Eastern Ave, Baltimore, MD 21224
60 Month Certificate
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Early Withdrawal Penalty: 6 months interest
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1304 E Churchville Rd, Bel Air, MD 21014
Regular Share, Youth and IRA Certificates 60-Month
$300
3.80%
▼
Rate3.75%
Min Deposit$300
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
999 Corporate Blvd, Linthicum Heights, MD 21090
60 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Fixed-Rate Jumbo 5-year term
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
60 Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
5 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
726 Cambridge Plz, Cambridge, MD 21613
60-month Promotional Savings Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Open to new and existing funds
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 60-month
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
60 Month Certificate
$1,000
2.85%
▼
Rate2.82%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Minimum Deposit $1,000
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
10001 Willowdale Rd, Lanham, MD 20706 4321
60 Month IRA Mini-Jumbo Term Certificates
$50,000
2.80%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
60 Month Certificate of Deposit
$500
2.75%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
F&M Trust Company of Chambersburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
83 W Washington Street, Hagerstown, MD 21740
60-month CD
$1,000
2.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Certain new money restrictions apply.
BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
60 Month Certificate of Deposit
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
4003 Branch Ave, Temple Hills, MD 20748
5 Year - Certificate or IRA Certificate
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
60 Month IRA Certificates
$250
1.76%
▼
Rate1.75%
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Cecil Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
127 North St, Elkton, MD 21921
5-Year CD
$500
1.16%
▼
Rate1.15%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
8211 Annapolis Rd, Hyattsville, MD 20784
5 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
60 month Certificate of Deposit (Consumer & Commercial), IRA Accounts
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frederick, MD CD Rate Trends
Compare local Frederick, MD CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MD Avg
2.723%
▼ 0.677 from last week
Maryland 12-month CD rates fell 0.677 points this week to 2.723% APY, down from 3.400% last week.
6-Month CD — MD Avg
2.190%
▼ 1.260 from last week
Maryland 6-month CD rates fell 1.260 points this week to 2.190% APY, down from 3.450% last week.
As of Mar 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Frederick, Maryland
Are CD rates in Frederick, Maryland FDIC insured?
Yes, most established banks in Frederick, 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 Frederick, 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 Frederick, 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 Frederick, 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 Frederick, Maryland?
Here are recent top rates found for this area:
- Atlantic Union Bank: 3.80% APY (3 Month CD and IRA Specials)
- Patriot Federal Credit Union: 3.70% APY (36 Month Share Certificate - Traditional IRA or Roth IRA)
- State Employees Credit Union: 3.55% APY (1 year Savings CD)
- Truist: 3.25% APY (12-month CD)
- Fulton Bank: 3.20% APY (Promotional Certificate of Deposit 36-Month Bump Up)
- Presidential Bank: 2.50% APY (5 Year CD)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Tower Federal Credit Union: 4.50% APY (Regular IRA Share Certificates 1 year)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- USALLIANCE: 4.10% APY (18 Month Certificate)
Rates reflect recent verified offers available in Frederick, Maryland. Last Updated: March 29, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Frederick, 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 pulling data straight 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 Frederick, 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: March 29, 2026
