CD Rates Montgomery Village, Maryland (MD) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Montgomery Village, Maryland CD rates include U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Tower Federal Credit UnionTower Federal Credit UnionA+5.0 ★Texas Ratio: 1.36%Real return: +1.40%APY minus CPI (February 2026) offering 2 year Regular and Special Share Certificates at 4.20% APY, WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.70%Real return: +1.26%APY minus CPI (February 2026) offering 36 Months Share Certificate at 4.06% APY, Partners 1st Federal Credit UnionPartners 1st Federal Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +1.20%APY minus CPI (February 2026) offering 12-month savings certificate at 4.00% APY, and Vantage Point Federal Credit UnionVantage Point Federal Credit UnionA5.0 ★Texas Ratio: 6.90%Real return: +1.17%APY minus CPI (February 2026) offering Share & IRA Share Certificate (60 month term) at 3.97% APY. CD rates as of April 22, 2026 according to verified data from MonitorBankRates.
We compared 605 CD rates from 57 banks and credit unions available to Montgomery Village, Maryland residents to help you find the best bank CD rates and credit union CD rates across all terms.
Montgomery Village is a smaller community with no bank or credit union branches currently in our database. 269 institutions serving the Maryland area are available to Montgomery Village residents, with CD rates as high as 4.25% APY from U S POSTAL SERVICE. 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: April 22, 2026
Compare Best CD Rates in Montgomery Village, Maryland & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 Month Regular Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
3 Month IRA Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Penalty: Loss of 90 days' dividends
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
$500 New Money Minimum
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Share & IRA Share Certificates 3 months
$0
2.98%
▼
Rate2.94%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 3 Months
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA 3 Month Certificate
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
1.70%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 22, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 3 Months
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
Jumbo Share Certificates 30 - 90 days
$100,000
1.00%
▼
Rate1.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Early withdrawal penalties may apply
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 3 months
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 Months Share Certificate
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month Certificate of Deposit
$7,500
3.80%
▼
Rate3.68%
Min Deposit$7,500
Min Balance—
UpdatedApr 22, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 6 Months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6 Month Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA 6 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum Deposit $1,000
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 6 Months
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
6-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
JUMBO CERTIFICATES 6 months
$0
3.58%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
6 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Penalty: Loss of 90 days' dividends
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
6 Month Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Regular Share, Youth and IRA Certificates 6-Month
$300
3.50%
▼
Rate3.46%
Min Deposit$300
Min Balance—
UpdatedApr 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Money Market Add-On Certificate 6 Months (182 Days)
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6 Month CD
$2,500
3.30%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (6 month term)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
6 Months Mini-Jumbo Share Certificate
$50,000
3.05%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Share & IRA Share Certificates 6 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
6 Month Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Youth Savings Certificate 6 Month Certificate
$25
2.50%
▼
Rate2.47%
Min Deposit$25
Min Balance—
UpdatedApr 22, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 months Share Certificates
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Share Certificate
$250,000
2.25%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
6 month Regular and Special Share Certificates
$500
1.35%
▼
Rate1.34%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
IRA/ESA 6 months
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Share Certificates 6 Month - Certificate
$100
0.75%
▼
Rate0.75%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
6-Month Term Regular & IRA Certificates
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 6 months
$1,000
0.11%
▼
Rate0.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1 year Regular and Special Share Certificates
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12-month savings certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Get more from your tax return.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1 Year Regular & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 12 months
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
12 Month CD Online and In Branch
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
No additional deposits after initial deposit
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12 Month Certificate of Deposit
$500
3.80%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
1-Year Share Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 12 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
12 Month Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
JUMBO CERTIFICATES 12 months
$0
3.72%
▼
Rate3.67%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
MyTimes Plus (members 65 and over) Certificate 12 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
12 Month CD/IRA
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
with one-time bump up
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 12 Months
$0
3.62%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA 12 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
12 Months Mini-Jumbo Share Certificate
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
12 Month Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12 Months Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Regular Share, Youth and IRA Certificates 12-Month
$300
3.55%
▼
Rate3.50%
Min Deposit$300
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
12 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Penalty: Loss of 90 days' dividends
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 1 year
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (12 month term)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.41%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum Deposit $1,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
IRA/ESA 12 months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Share & IRA Share Certificates 12 months
$0
3.02%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 12 Months
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
Fixed Rate 12 Month IRA Certificates
$250
2.53%
▼
Rate2.50%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
Fixed Rate 12 Month IRA Certificates
$250
2.53%
▼
Rate2.50%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
12 months Share Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
IRA & Education Share Certificates 12 Months
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
12 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
2.35%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Certificates 1 year
$0
2.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1 Year - Certificate or IRA Certificate
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Early withdrawal penalties may apply
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Term Share Certificates (CDs)
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 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%
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
12-Month Term Regular & IRA Certificates
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$0
0.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 Months Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
18 month Regular and Special Share Certificates
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
18 Month CD Online and In Branch
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
No additional deposits after initial deposit
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Month Certificate Special - 18 Month Term
$100
3.69%
▼
Rate3.64%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
18 Month Regular & IRA Accumulator Certificates
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
18 Month Certificate of Deposit
$500
3.60%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Regular Share, Youth and IRA Certificates 18-Month SPECIAL
$300
3.55%
▼
Rate3.50%
Min Deposit$300
Min Balance—
UpdatedApr 22, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA 18 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA Rollover Share Certificate - 18 Months
$0
3.47%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month CD/IRA
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
18 Month IRA Term Certificates Mini-Jumbo FedPerks
$50,000
3.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
$50,000 Minimum Opening Balance
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
Standard and IRA Certificate 18 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
18 Month IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Penalty: Loss of 180 days' dividends
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum Deposit $1,000
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
18 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 18 months
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
IRA/ESA 18 months
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
18 Month IRA Certificates
$250
2.53%
▼
Rate2.50%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
18 Month IRA Certificates
$250
2.53%
▼
Rate2.50%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 18 Months
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
18 Month Share Certificate - Traditional IRA or Roth IRA
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Certificates 18 months
$0
2.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
18-Month Term Regular & IRA Certificates
$0
1.05%
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
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: 1.36%
2 year Regular and Special Share Certificates
$500
4.20%
▼
Rate4.11%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
24 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 Month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Regular Share, Youth and IRA Certificates 24-Month
$300
3.60%
▼
Rate3.55%
Min Deposit$300
Min Balance—
UpdatedApr 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
24 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (24 month term)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 24 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 24 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
JUMBO CERTIFICATES 24 months
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
24 Months Mini-Jumbo Share Certificate
$50,000
3.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
Standard and IRA Certificate 24 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
24 Month IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Penalty: Loss of 180 days' dividends
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA 24 Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 24 Months
$0
3.18%
▼
Rate3.13%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Share & IRA Share Certificates 24 months
$0
3.13%
▼
Rate3.09%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
24 months Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
24 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
24 Month CD/IRA
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 Month Certificate of Deposit
$500
3.00%
▼
Rate2.93%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum Deposit $1,000
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 2 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
IRA/ESA 24 months
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2 Year - Certificate or IRA Certificate
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
2.75%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Certificates 2 years
$0
2.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month Term Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 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.
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 24 Months
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
24-Month Term Regular & IRA Certificates
$0
1.13%
▼
Rate1.12%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
24 Month IRA Certificates
$250
1.00%
▼
Rate1.00%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
24 Month IRA Certificates
$250
1.00%
▼
Rate1.00%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
36 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
3 year Regular and Special Share Certificates
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
36 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 3-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Regular Share, Youth and IRA Certificates 36-Month
$300
3.70%
▼
Rate3.65%
Min Deposit$300
Min Balance—
UpdatedApr 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
36 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 36 months
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
36 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 Year Regular & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
MyTimes (members 50 and over) Certificate 36 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
36 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Penalty: Loss of 180 days' dividends
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
JUMBO CERTIFICATES 36 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
36 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
No additional deposits after initial deposit
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 36 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
IRA 36 Month Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36 Month Certificate
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
36 Months Mini-Jumbo Share Certificate
$50,000
3.20%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Share & IRA Share Certificates 36 months
$0
3.19%
▼
Rate3.14%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
36 months Share Certificates
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
36 Month Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 3 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
IRA/ESA 36 months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
36 Month Certificate of Deposit
$500
2.60%
▼
Rate2.54%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.53%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum Deposit $1,000
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Share Certificates 3 Year - Certificate
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month Term Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 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.
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Certificates 3 Years
$0
1.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 36 Months
$500
1.36%
▼
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
36 Month IRA Certificates
$250
1.26%
▼
Rate1.25%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
36 Month IRA Certificates
$250
1.26%
▼
Rate1.25%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
POCU of Maryland
Institution Rating:
A+5.0 ★
36-Month Term Regular & IRA Certificates
$0
1.19%
▼
Rate1.18%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
48 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
4 year Mini-Jumbo IRA Share Certificates
$20,000
4.05%
▼
Rate3.97%
Min Deposit$20,000
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Regular Share, Youth and IRA Certificates 48-Month
$300
3.80%
▼
Rate3.75%
Min Deposit$300
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
48 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
Member Rewards Gold Certificate 48 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
48 Month IRA Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Penalty: Loss of 180 days' dividends
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 48 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
JUMBO CERTIFICATES 48 months
$0
3.32%
▼
Rate3.28%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Share & IRA Share Certificates 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 months Share Certificates
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
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%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 4 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
48 Months Mini-Jumbo Share Certificate
$50,000
2.90%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
IRA/ESA 48 months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
48 Month CD/IRA
$500
2.75%
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 Month Certificate of Deposit
$500
2.75%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
48 Month (Step-Up) Certificate
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum Deposit $1,000
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 48 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Share Certificates 4 Year - Certificate
$100
2.42%
▼
Rate2.40%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Certificates 4 years
$0
1.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
48 Month IRA Certificates
$250
1.51%
▼
Rate1.50%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month IRA Certificates
$250
1.51%
▼
Rate1.50%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 48 Months
$500
1.41%
▼
Rate1.40%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
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: 1.36%
5 year Mini-Jumbo IRA Share Certificates
$20,000
4.10%
▼
Rate4.02%
Min Deposit$20,000
Min Balance—
UpdatedApr 22, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
Regular Share, Youth and IRA Certificates 60-Month
$300
3.80%
▼
Rate3.75%
Min Deposit$300
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 5-year term
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
60 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
Member Rewards Gold Certificate 60 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
5 Year Regular & IRA Certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
All IRA Certificate Accounts 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Bank Chestertown, MD
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
60 Month Golden Year Share Certificate
$5,000
3.50%
▼
Rate3.44%
Min Deposit$5,000
Min Balance—
UpdatedApr 22, 2026
Details
must be 62 years of age or older; No penalty for 1 withdrawal. Each additional withdrawal incurs a penalty equal to 180 days' dividends.
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
JUMBO CERTIFICATES 60 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Regular, IRA, & ESA Certificate 60 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month Share Certificate - Traditional IRA or Roth IRA
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month CD Online and In Branch
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
No additional deposits after initial deposit
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Share & IRA Share Certificates 60 months
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 months Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 5 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 to $249,999
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FedChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
60 Month IRA Term Certificates Mini-Jumbo FedPerks
$50,000
3.05%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
$50,000 Minimum Opening Balance
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
60 Month CD/IRA
$500
2.85%
▼
Rate2.81%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.82%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum Deposit $1,000
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
IRA/ESA 60 months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Month Certificate of Deposit
$500
2.75%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Nymeo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.40%
IRA Certificates 60 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Share Certificates 5 Year - Certificate
$100
2.42%
▼
Rate2.40%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Money One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Certificates 5 years
$0
1.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
60 Month IRA Certificates
$250
1.76%
▼
Rate1.75%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
60 Month IRA Certificates
$250
1.76%
▼
Rate1.75%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
Jefferson Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
CD/IRA 60 Months
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 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.
Montgomery Village, MD CD Rate Trends
Compare local Montgomery Village, MD CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MD Avg
2.642%
▼ 0.273 vs 7 days ago
Maryland 12-month CD rates fell 0.273 points over the past 7 days to 2.642% APY.
6-Month CD — MD Avg
1.869%
▼ 0.516 vs 7 days ago
Maryland 6-month CD rates fell 0.516 points over the past 7 days to 1.869% APY.
As of Apr 22, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MD 12-Month Avg APY
2.642%
6-Month Forecast
2.642%
Range: 2.44% – 2.79%
12-Month Forecast
2.392%
Range: 2.19% – 2.54%
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 | 1.190% | $59.51 | $119.02 | $297.55 | $595.10 |
| 6-Month CD | 1.869% | $93.44 | $186.88 | $467.20 | $934.40 |
| 12-Month CD | 2.642% | $132.11 | $264.22 | $660.55 | $1,321.10 |
| 18-Month CD | 2.855% | $142.76 | $285.52 | $713.80 | $1,427.60 |
| 24-Month CD | 2.924% | $146.22 | $292.43 | $731.08 | $1,462.15 |
| 36-Month CD | 2.890% | $144.48 | $288.96 | $722.40 | $1,444.80 |
| 48-Month CD | 3.201% | $160.03 | $320.05 | $800.13 | $1,600.25 |
| 60-Month CD | 3.057% | $152.83 | $305.65 | $764.13 | $1,528.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 22, 2026. | |||||
Sample CD Ladder for Montgomery Village, Maryland Savers
$25,000 split equally across 5 terms using today’s Maryland average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MD Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.190% | $59.51 |
| 2 | 6-Month CD | $5,000 | 1.869% | $93.44 |
| 3 | 12-Month CD | $5,000 | 2.642% | $132.11 |
| 4 | 24-Month CD | $5,000 | 2.924% | $146.22 |
| 5 | 36-Month CD | $5,000 | 2.890% | $144.48 |
| Total ($25,000 invested) | $25,000 | 2.303% blended | $575.76/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.
605
CD Rates
Tracked in Montgomery Village, Maryland
Tracked in Montgomery Village, Maryland
17 Banks
31 Credit Unions
About Our Montgomery Village, Maryland CD Rate Database
MonitorBankRates tracks 605 CD rates from 17 banks and 31 credit unions with locations in Montgomery Village, 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: U S POSTAL SERVICE offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Montgomery Village, Maryland.
How to Find the Best CD Rates in Montgomery Village, Maryland
What to compare when shopping for a CD in Montgomery Village, Maryland
To find the best APYs in Montgomery Village, Maryland, start with credit unions and online-only banks — Montgomery Village, Maryland has 31 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 Montgomery Village, 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 Montgomery Village, Maryland — 48 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Montgomery Village, Maryland savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Montgomery Village, Maryland money market rates
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
$151/yr
At MD 12-mo avg 2.642% 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 2.642%, saving 10% of the local median salary ($5,698/year) and putting it in a CD would earn an additional $151 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 Montgomery Village, 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 |
Frequently Asked Questions about CD Rates in Montgomery Village, Maryland
Are CD rates in Montgomery Village, Maryland FDIC insured?
Yes, most established banks in Montgomery Village, 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 Montgomery Village, 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 Montgomery Village, 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 Montgomery Village, 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 Montgomery Village, Maryland?
Here are recent top rates found for this area:
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Tower Federal Credit Union: 4.20% APY (2 year Regular and Special Share Certificates)
- WEPCO Federal Credit Union: 4.06% APY (36 Months Share Certificate)
- Partners 1st Federal Credit Union: 4.00% APY (12-month savings certificate)
- Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
- EagleBank: 3.95% APY (6 Month CD)
- APL Federal Credit Union: 3.95% APY (12 Months CD)
- Democracy Federal Credit Union: 3.85% APY (24 Month CD)
- Northrop Grumman Federal Credit Union: 3.84% APY (Bonus Certificate 12-Month)
- Signal Financial Federal Credit Union: 3.82% APY (6 Months Share Certificate)
Rates reflect recent verified offers available in Montgomery Village, Maryland. Last Updated: April 22, 2026
CD Calculators for Montgomery Village, Maryland
Montgomery Village, Maryland CD Calculator
At today’s MD top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Montgomery Village, Maryland CD LadderMD CD rates currently range from 1.190% (3-month) to 2.890% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Montgomery Village, Maryland CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaryland’s average 12-month CD is 2.642% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Montgomery Village, 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 Montgomery Village, 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: April 22, 2026
Montgomery Village, Maryland Rates & Resources
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