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CD Rate Trends

Mount Rainier, Maryland Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 31, 2026

Mount Rainier, Maryland CD rates from banks and credit unions serving Maryland range from 0.01% to 5.10% APY, verified by MonitorBankRates as of October 31, 2026. Current Mount Rainier, Maryland CD rates include Tower Federal Credit UnionTower Federal Credit UnionA+5.0 ★Texas Ratio: 1.97%Real return: +1.40%APY minus CPIRate verified Oct 30, 2026 offering 2 Year Regular IRA Share Certificates at 5.10% APY, Usalliance Credit UnionUsalliance Credit UnionA5.0 ★Texas Ratio: 8.11%Real return: +1.35%APY minus CPIRate verified Oct 30, 2026 offering 18 Month Certificate at 5.05% APY, National Institutes of Health Credit UnionNational Institutes of Health Credit UnionA+5.0 ★Texas Ratio: 4.98%Real return: +1.30%APY minus CPIRate verified Oct 30, 2026 offering IRA Certificate 12 Month Jumbo at 5.00% APY, First Eagle Credit UnionFirst Eagle Credit UnionA+5.0 ★Texas Ratio: 3.56%Real return: +1.30%APY minus CPIRate verified Oct 30, 2026 offering Share Certificate Special - 1 Year Certificate at 5.00% APY, and CFG BankCFG BankD3.3 ★Texas Ratio: 35.17%Real return: +1.12%APY minus CPIRate verified Oct 31, 2026 offering 24 Month CD Online and In Branch at 4.82% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Mount Rainier is a smaller community with no bank or credit union branches currently in our database. 775 institutions serving the Maryland area are available to Mount Rainier residents, with CD rates as high as 5.10% APY from Tower Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026

Compare Best CD Rates in Mount Rainier, Maryland & the Surrounding Area

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Mount Rainier 3 Month CD Rates

Maryland 3 Month CD Average1.72% APYNational 2.13%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96% ▲ 2.24% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▲ 2.24% above avgNationally 2.13%
Details

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
3.20%3.83%4.46%Oct 7, 2026: 3.70% APYOct 26, 2026: 3.96% APYOct 7, 2026Oct 31, 2026
  • Oct 26, 20263.96%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
National Institutes of Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 3 Month
$500
3.88% ▲ 2.16% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average1.72%▲ 2.16% above avgNationally 2.13%
Details

Dividend rate shown separately; IRA products not available online

Rate History
No change since Oct 14, 2026 · 3.88% APY · checked 3 times
3.38%3.88%4.38%Oct 14, 2026: 3.88% APYOct 14, 2026Oct 31, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
3 Month Regular Certificates
$0
3.80% ▲ 2.08% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 2.08% above avgNationally 2.13%
Details

Minimum Balance to earn APY: $1,000.00

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 11 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate Specials - 3-Month New Money
$0
3.70% ▲ 1.98% above Maryland avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 1.98% above avgNationally 2.13%
Details

New money; Share, IRA; Balance: $500

Rate History
No change since Oct 28, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 28, 2026: 3.70% APYOct 28, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 3 Months
$1,000
3.65% ▲ 1.93% above Maryland avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▲ 1.93% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 31, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 3 months
$0
3.50% ▲ 1.78% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 1.78% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 23, 2026: 3.50% APYOct 23, 2026Oct 31, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Business Certificates - 3 Months
$0
3.49% ▲ 1.77% above Maryland avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 1.77% above avgNationally 2.13%
Details

Balance: $2,500.00

Rate History
1 change since Oct 13, 2026 · 3.44% → 3.49% ▲ 0.05 pts · high 3.49% / low 3.44%
2.94%3.47%3.99%Oct 13, 2026: 3.44% APYOct 23, 2026: 3.49% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20263.49%▲ from 3.44%
  • Oct 13, 20263.44%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Share Certificates - 3 Months
$0
3.46% ▲ 1.74% above Maryland avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 1.74% above avgNationally 2.13%
Details

Rate History
1 change since Oct 13, 2026 · 3.41% → 3.46% ▲ 0.05 pts · high 3.46% / low 3.41%
2.91%3.44%3.96%Oct 13, 2026: 3.41% APYOct 23, 2026: 3.46% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20263.46%▲ from 3.41%
  • Oct 13, 20263.41%first recorded
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3 Month Standard CD
$1,000
3.25% ▲ 1.53% above Maryland avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▲ 1.53% above avgNationally 2.13%
Details

Minimum opening deposit: CD - $1,000; IRA - $500; Schedule an Appointment

Rate History
1 change since Oct 20, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Oct 20, 2026: 3.00% APYOct 31, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
  • Oct 31, 20263.25%▲ from 3.00%
  • Oct 20, 20263.00%first recorded
Aberdeen Proving Ground Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
3 Month Jumbo Certificate
$0
3.20% ▲ 1.48% above Maryland avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 1.48% above avgNationally 2.13%
Details

Jumbo: $50,000 minimum

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Jumbo Certificates - Star Member
$0
3.10% ▲ 1.38% above Maryland avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 1.38% above avgNationally 2.13%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.10% APY · checked 4 times
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Certificate - Star Member
$0
3.05% ▲ 1.33% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 1.33% above avgNationally 2.13%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
No change since Oct 12, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Jumbo Certificates
$0
3.05% ▲ 1.33% above Maryland avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 1.33% above avgNationally 2.13%
Details

Rate History
No change since Sep 21, 2026 · 3.05% APY · checked 9 times
2.55%3.05%3.55%Sep 21, 2026: 3.05% APYSep 21, 2026Oct 31, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 3 Months
$1,000
3.00% ▲ 1.28% above Maryland avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▲ 1.28% above avgNationally 2.13%
Details

Interest Rate 2.97%; Annual Percentage Yield 3.00%

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Certificate
$0
3.00% ▲ 1.28% above Maryland avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 1.28% above avgNationally 2.13%
Details

Open Now

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate - 3-Month
$0
2.80% ▲ 1.08% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 1.08% above avgNationally 2.13%
Details

Rate History
No change since Oct 28, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 28, 2026: 2.80% APYOct 28, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Business) 3 Month
$0
2.80% ▲ 1.08% above Maryland avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 1.08% above avgNationally 2.13%
Details

Rate History
1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
2.05%2.68%3.30%Sep 12, 2026: 2.55% APYOct 4, 2026: 2.80% APYSep 12, 2026Oct 31, 2026
  • Oct 4, 20262.80%▲ from 2.55%
  • Sep 12, 20262.55%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 3 Months - Preferred
$500
2.70% ▲ 0.98% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 0.98% above avgNationally 2.13%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 2.60% → 2.70% ▲ 0.10 pts · high 2.70% / low 2.60%
2.10%2.65%3.20%Oct 12, 2026: 2.60% APYOct 23, 2026: 2.70% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20262.70%▲ from 2.60%
  • Oct 12, 20262.60%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Month Certificate
$500
2.35% ▲ 0.63% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 0.63% above avgNationally 2.13%
Details

Regular, IRA & ESA Certificate; Base APY; Rates effective as of 10/22/2026; Dividends compounded daily and credited monthly

Rate History
1 change since Oct 12, 2026 · 2.25% → 2.35% ▲ 0.10 pts · high 2.35% / low 2.25%
1.75%2.30%2.85%Oct 12, 2026: 2.25% APYOct 23, 2026: 2.35% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20262.35%▲ from 2.25%
  • Oct 12, 20262.25%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 3 Months
$500
2.35% ▲ 0.63% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 0.63% above avgNationally 2.13%
Details

Regular, IRA & ESA certificate table

Rate History
1 change since Oct 12, 2026 · 2.25% → 2.35% ▲ 0.10 pts · high 2.35% / low 2.25%
1.75%2.30%2.85%Oct 12, 2026: 2.25% APYOct 23, 2026: 2.35% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20262.35%▲ from 2.25%
  • Oct 12, 20262.25%first recorded
Securityplus Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.19%
3-Month Share
$1,000
2.20% ▲ 0.48% above Maryland avg
View
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 0.48% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 2.20% APY · checked 3 times
1.70%2.20%2.70%Oct 22, 2026: 2.20% APYOct 22, 2026Oct 31, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Certificate
$0
2.10% ▲ 0.38% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 0.38% above avgNationally 2.13%
Details

Rate History
No change since Oct 12, 2026 · 2.10% APY · checked 4 times
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 31, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Jumbo Certificate
$0
2.10% ▲ 0.38% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 0.38% above avgNationally 2.13%
Details

Rate History
No change since Oct 12, 2026 · 2.10% APY · checked 4 times
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
2.00% ▲ 0.28% above Maryland avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▲ 0.28% above avgNationally 2.13%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 31, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit - 3 Month
$500
2.00% ▲ 0.28% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▲ 0.28% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 31, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 3 Months
$500
2.00% ▲ 0.28% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▲ 0.28% above avgNationally 2.13%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 31, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Month Certificate
$0
2.00% ▲ 0.28% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 0.28% above avgNationally 2.13%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 31, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Month Jumbo Certificate
$0
2.00% ▲ 0.28% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▲ 0.28% above avgNationally 2.13%
Details

Regular Certificate Accounts; Jumbo

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 31, 2026
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
3 Month Certificate of Deposit
$500
2.00% ▲ 0.28% above Maryland avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 0.28% above avgNationally 2.13%
Details

Open now

Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 31, 2026
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Certificate of Deposit - 3 months
$0
2.00% ▲ 0.28% above Maryland avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▲ 0.28% above avgNationally 2.13%
Details

Open now

Rate History
No change since Oct 13, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
1.99% ▲ 0.27% above Maryland avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▲ 0.27% above avgNationally 2.13%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 31, 2026
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate 3-Month Certificate
$0
1.76% ▲ 0.04% above Maryland avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average1.72%▲ 0.04% above avgNationally 2.13%
Details

Rate History
No change since Oct 19, 2026 · 1.76% APY · checked 3 times
1.26%1.76%2.26%Oct 19, 2026: 1.76% APYOct 19, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.70% ▼ 0.02% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▼ 0.02% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 5, 2026 · 1.70% APY · checked 6 times
1.20%1.70%2.20%Oct 5, 2026: 1.70% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.65% ▼ 0.07% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▼ 0.07% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 5, 2026 · 1.65% APY · checked 6 times
1.15%1.65%2.15%Oct 5, 2026: 1.65% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.60% ▼ 0.12% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▼ 0.12% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 5, 2026 · 1.60% APY · checked 6 times
1.10%1.60%2.10%Oct 5, 2026: 1.60% APYOct 5, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55% ▼ 0.17% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▼ 0.17% below avgNationally 2.13%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 31, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Easy Builder Short Term Certificate Account
$250
1.51% ▼ 0.21% below Maryland avg
View
▼
Rate1.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▼ 0.21% below avgNationally 2.13%
Details

Young Investor Option: $50.00 minimum opening deposit

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 31, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Short Term Certificate Account
$1,000
1.51% ▼ 0.21% below Maryland avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▼ 0.21% below avgNationally 2.13%
Details

APY assumes reinvestment at the same term for 12 months

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 10 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50% ▼ 0.22% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▼ 0.22% below avgNationally 2.13%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
3 Month Share Certificate
$0
1.50% ▼ 0.22% below Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average1.72%▼ 0.22% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 5, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Oct 5, 2026: 1.50% APYOct 5, 2026Oct 31, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
3 Month Platinum Account Holders Certificate of Deposit
$0
1.36% ▼ 0.36% below Maryland avg
View
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▼ 0.36% below avgNationally 2.13%
Details

Platinum account holders; Early Withdrawal Penalty: 30 days' simple interest; Minimum Balance to Open and Obtain APY: $1,000; Rate is 0.10% higher than standard CD rates and may differ at renewal

Rate History
No change since Oct 20, 2026 · 1.36% APY · checked 5 times
0.86%1.36%1.86%Oct 20, 2026: 1.36% APYOct 20, 2026Oct 31, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
3 Month Certificate of Deposit
$0
1.26% ▼ 0.46% below Maryland avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▼ 0.46% below avgNationally 2.13%
Details

Early Withdrawal Penalty: 30 days' simple interest; Minimum Balance to Open and Obtain APY: $1,000

Rate History
No change since Oct 20, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Oct 20, 2026: 1.26% APYOct 20, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
30 - 90 Day Jumbo Share Certificates
$100,000
1.15% ▼ 0.57% below Maryland avg
View
▼
Rate1.14%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average1.72%▼ 0.57% below avgNationally 2.13%
Details

Early withdrawal penalty applies before maturity

Rate History
1 change since Oct 14, 2026 · 1.10% → 1.15% ▲ 0.05 pts · high 1.15% / low 1.10%
0.60%1.13%1.65%Oct 14, 2026: 1.10% APYOct 30, 2026: 1.15% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20261.15%▲ from 1.10%
  • Oct 14, 20261.10%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificate - 3 Month
$500
1.10% ▼ 0.62% below Maryland avg
View
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average1.72%▼ 0.62% below avgNationally 2.13%
Details

Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on IRAs

Rate History
No change since Oct 30, 2026 · 1.10% APY
0.60%1.10%1.60%Oct 30, 2026: 1.10% APYOct 30, 2026Oct 31, 2026
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
Business Certificate of Deposit - 3 Months
$500
1.00% ▼ 0.72% below Maryland avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average1.72%▼ 0.72% below avgNationally 2.13%
Details

Interest rate fixed for specified term; penalty for early withdrawal

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
Certificate of Deposit - 3-Month
$0
0.70% ▼ 1.02% below Maryland avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▼ 1.02% below avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Oct 20, 2026: 0.70% APYOct 20, 2026Oct 31, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
Certificate - 3 months
$500
0.65% ▼ 1.07% below Maryland avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average1.72%▼ 1.07% below avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 0.65% APY · checked 3 times
0.15%0.65%1.15%Oct 22, 2026: 0.65% APYOct 22, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60% ▼ 1.12% below Maryland avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average1.72%▼ 1.12% below avgNationally 2.13%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
Standard CD 3-month term
$0
0.60% ▼ 1.12% below Maryland avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average1.72%▼ 1.12% below avgNationally 2.13%
Details

Rewards APY

Rate History
1 change since Oct 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50%
0.00%0.55%1.10%Oct 14, 2026: 0.50% APYOct 30, 2026: 0.60% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20260.60%▲ from 0.50%
  • Oct 14, 20260.50%first recorded
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50% ▼ 1.22% below Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average1.72%▼ 1.22% below avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 31, 2026

Mount Rainier 6 Month CD Rates

Maryland 6 Month CD Average2.81% APYNational 2.79%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 6 months
$0
4.30% ▲ 1.49% above Maryland avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 1.49% above avgNationally 2.79%
Details

Effective as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 31, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20% ▲ 1.39% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 1.39% above avgNationally 2.79%
Details

APY available on a new certificate opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits during term; Online account opening

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 31, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
6 Month CD
$1,000
4.20% ▲ 1.39% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 1.39% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 10 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 6 Months
$1,000
4.20% ▲ 1.39% above Maryland avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 1.39% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 31, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 6 Months
$0
4.18% ▲ 1.37% above Maryland avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 1.37% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 23, 2026: 4.18% APYOct 23, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate - 6-Month - Better Rewards
$0
4.15% ▲ 1.34% above Maryland avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 1.34% above avgNationally 2.79%
Details

Better Rewards; members must meet Better Rewards Checking eligibility requirements

Rate History
No change since Oct 28, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 28, 2026: 4.15% APYOct 28, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate - 6 Months
$500
4.13% ▲ 1.32% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 1.32% above avgNationally 2.79%
Details

Penalties may apply for early withdrawals from IRA certificate accounts. Fees may reduce earnings.

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 6 Months
$500
4.13% ▲ 1.32% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 1.32% above avgNationally 2.79%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 11 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate 6-Month Certificate 70th Anniversary Special
$0
4.02% ▲ 1.21% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.81%▲ 1.21% above avgNationally 2.79%
Details

70th Anniversary Special

Rate History
No change since Oct 14, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Oct 14, 2026: 4.02% APYOct 14, 2026Oct 31, 2026
Ameriserv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
CD/IRA - 6-Month Promotion
$5,000
4.00% ▲ 1.19% above Maryland avg
View
▼
Rate3.96%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 1.19% above avgNationally 2.79%
Details

$5,000 deposit must be new money not already on deposit at AmeriServ Bank

Rate History
No change since Oct 31, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 31, 2026: 4.00% APYOct 31, 2026Oct 31, 2026
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate - 6 Months
$500
4.00% ▲ 1.19% above Maryland avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 1.19% above avgNationally 2.79%
Details

Regular And IRA Share Certificates ($500 Minimum); Not offered for IRA Certificate

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.94% ▲ 1.13% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 1.13% above avgNationally 2.79%
Details

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Rate History
1 change since Oct 7, 2026 · 3.75% → 3.94% ▲ 0.19 pts · high 3.94% / low 3.75%
3.25%3.84%4.44%Oct 7, 2026: 3.75% APYOct 26, 2026: 3.94% APYOct 7, 2026Oct 31, 2026
  • Oct 26, 20263.94%▲ from 3.75%
  • Oct 7, 20263.75%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 6 Months
$500
3.87% ▲ 1.06% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 1.06% above avgNationally 2.79%
Details

Balance: $250,000-$999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 11 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 31, 2026
Aberdeen Proving Ground Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month Certificate - Standard and IRA
$100
3.85% ▲ 1.04% above Maryland avg
View
▼
Rate3.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 1.04% above avgNationally 2.79%
Details

Effective 10-28-2026; APY accurate as of 10-28-2026; penalty for early withdrawal may apply

Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 15, 2026: 3.85% APYOct 15, 2026Oct 31, 2026
Aberdeen Proving Ground Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
6 Month Jumbo Certificate
$0
3.85% ▲ 1.04% above Maryland avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 1.04% above avgNationally 2.79%
Details

Jumbo: $50,000 minimum

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Share Certificates
$500
3.82% ▲ 1.01% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 1.01% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 23, 2026: 3.82% APYOct 23, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 6 Months
$500
3.82% ▲ 1.01% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 1.01% above avgNationally 2.79%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 23, 2026: 3.82% APYOct 23, 2026Oct 31, 2026
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit - 6 Month
$7,500
3.80% ▲ 0.99% above Maryland avg
View
▼
RateN/A
Min Deposit$7,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 0.99% above avgNationally 2.79%
Details

Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Jumbo Certificates - Star Member
$0
3.80% ▲ 0.99% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.99% above avgNationally 2.79%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 31, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
6 Month Regular & IRA Certificates
$0
3.80% ▲ 0.99% above Maryland avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.99% above avgNationally 2.79%
Details

Minimum Balance to earn APY: $1,000.00

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 11 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
6 Month Share Certificate
$500
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.79%
Details

Rates effective as of 10-28-2026; minimum balance $500 to open; not eligible for IRA Terms

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 31, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Certificate 6 Months
$500
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.79%
Details

Not eligible for IRA Terms; minimum balance $500 to open

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Certificate - Star Member
$0
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.79%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Jumbo Certificates
$0
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.79%
Details

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 31, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75% ▲ 0.94% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.79%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75% ▲ 0.94% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.81%▲ 0.94% above avgNationally 2.79%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 31, 2026
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.13%
Certificate - 6 Month
$1,000
3.70% ▲ 0.89% above Maryland avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.79%
Details

Certificates; CD, Traditional IRA, Roth IRA, or Coverdell Educational Savings Account minimum deposit $250

Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 31, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Certificate
$0
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.79%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 31, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Jumbo Certificate
$0
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.79%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Certificate
$0
3.70% ▲ 0.89% above Maryland avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.79%
Details

Open Now

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 31, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6 Month Jumbo CD
$10,000
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.79%
Details

Compounded & Credited: Monthly; APY accurate as of October 25, 2026

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 31, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6 Month Standard CD
$500
3.70% ▲ 0.89% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.89% above avgNationally 2.79%
Details

Compounded & Credited: Monthly; APY accurate as of October 25, 2026

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 31, 2026
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
BEE Share Certificate - 6 Month Term
$10,000
3.68% ▲ 0.87% above Maryland avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.87% above avgNationally 2.79%
Details

Dividends compounded and paid quarterly

Rate History
4 changes since Sep 14, 2026 · 3.47% → 3.68% ▲ 0.21 pts · high 3.68% / low 3.47%
2.97%3.58%4.18%Sep 14, 2026: 3.47% APYSep 20, 2026: 3.52% APYOct 4, 2026: 3.64% APYOct 8, 2026: 3.63% APYOct 15, 2026: 3.68% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20263.68%▲ from 3.63%
  • Oct 8, 20263.63%▼ from 3.64%
  • Oct 4, 20263.64%▲ from 3.52%
  • Sep 20, 20263.52%▲ from 3.47%
Bee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
JUMBO Share Certificate - 6 Month Term
$50,000
3.68% ▲ 0.87% above Maryland avg
View
▼
Rate3.63%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.87% above avgNationally 2.79%
Details

Dividends compounded and paid quarterly

Rate History
4 changes since Sep 14, 2026 · 3.53% → 3.68% ▲ 0.15 pts · high 3.72% / low 3.36%
2.86%3.54%4.22%Sep 14, 2026: 3.53% APYSep 20, 2026: 3.36% APYSep 25, 2026: 3.37% APYOct 4, 2026: 3.72% APYOct 8, 2026: 3.68% APYSep 14, 2026Oct 31, 2026
  • Oct 8, 20263.68%▼ from 3.72%
  • Oct 4, 20263.72%▲ from 3.37%
  • Sep 25, 20263.37%▲ from 3.36%
  • Sep 20, 20263.36%▼ from 3.53%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 6 Month
$0
3.66% ▲ 0.85% above Maryland avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.85% above avgNationally 2.79%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 31, 2026
The Bank of Glen Burnie
Institution Rating:
B-3.4 ★Texas Ratio: 3.14%
6 Month Certificate
$500
3.65% ▲ 0.84% above Maryland avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 0.50% → 3.65% ▲ 3.15 pts · high 3.65% / low 0.50%
0.00%3.40%6.80%Sep 14, 2026: 0.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
  • Oct 7, 20263.65%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate - 6-Month
$0
3.65% ▲ 0.84% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.79%
Details

Rate History
No change since Oct 28, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 28, 2026: 3.65% APYOct 28, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificates - (Business) 6 Month
$0
3.65% ▲ 0.84% above Maryland avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.79%
Details

Rate History
1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 12, 2026: 3.40% APYOct 4, 2026: 3.65% APYSep 12, 2026Oct 31, 2026
  • Oct 4, 20263.65%▲ from 3.40%
  • Sep 12, 20263.40%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Certificates - 6 Month
$1,000
3.65% ▲ 0.84% above Maryland avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.79%
Details

Minimum deposit $1,000; certificate renews at a 6-month term unless otherwise requested; IRA certificates not eligible; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 15, 2026: 3.65% APYOct 15, 2026Oct 31, 2026
Municipal Employees Credit Union of Balt
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
6 Month Regular CD
$500
3.65% ▲ 0.84% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.84% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 31, 2026
National Institutes of Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 6 Month
$500
3.62% ▲ 0.81% above Maryland avg
View
▼
Rate3.56%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.81%▲ 0.81% above avgNationally 2.79%
Details

Dividend rate shown separately; IRA products not available online

Rate History
No change since Oct 14, 2026 · 3.63% APY · checked 3 times
3.13%3.63%4.13%Oct 14, 2026: 3.63% APYOct 14, 2026Oct 31, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 6 months
$0
3.61% ▲ 0.80% above Maryland avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.80% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 23, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 23, 2026: 3.61% APYOct 23, 2026Oct 31, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6 Month Certificate
$0
3.60% ▲ 0.79% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.79% above avgNationally 2.79%
Details

Regular Certificate Accounts

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
LM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6 Month Jumbo Certificate
$0
3.60% ▲ 0.79% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.81%▲ 0.79% above avgNationally 2.79%
Details

Regular Certificate Accounts; Jumbo

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
Certificate and Retirement Accounts - 6 Month
$0
3.55% ▲ 0.74% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.81%▲ 0.74% above avgNationally 2.79%
Details

Minimum Balance To Earn APY/Open

Rate History
1 change since Oct 14, 2026 · 3.61% → 3.55% ▼ 0.06 pts · high 3.61% / low 3.55%
3.05%3.58%4.11%Oct 14, 2026: 3.61% APYOct 27, 2026: 3.55% APYOct 14, 2026Oct 31, 2026
  • Oct 27, 20263.55%▼ from 3.61%
  • Oct 14, 20263.61%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 6 Month
$0
3.55% ▲ 0.74% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.74% above avgNationally 2.79%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 29, 2026: 3.55% APYOct 29, 2026Oct 31, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 Month Share & IRA Share Certificates
$0
3.51% ▲ 0.70% above Maryland avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.70% above avgNationally 2.79%
Details

Rate History
No change since Oct 13, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Oct 13, 2026: 3.51% APYOct 13, 2026Oct 31, 2026
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month IRA Certificate
$0
3.50% ▲ 0.69% above Maryland avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.69% above avgNationally 2.79%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 31, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificate - 6 Months
$0
3.49% ▲ 0.68% above Maryland avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.68% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 23, 2026: 3.49% APYOct 23, 2026Oct 31, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Share Certificates - 6 Months
$0
3.49% ▲ 0.68% above Maryland avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.81%▲ 0.68% above avgNationally 2.79%
Details

Rate History
1 change since Oct 13, 2026 · 3.43% → 3.49% ▲ 0.06 pts · high 3.49% / low 3.43%
2.93%3.46%3.99%Oct 13, 2026: 3.43% APYOct 23, 2026: 3.49% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20263.49%▲ from 3.43%
  • Oct 13, 20263.43%first recorded

Mount Rainier 12 Month CD Rates

Maryland 12 Month CD Average3.33% APYNational 3.01%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
National Institutes of Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 12 Month Jumbo
$100,000
5.00% ▲ 1.67% above Maryland avg
View
▼
Rate4.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 1.67% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 31, 2026
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Share Certificate Special - 1 Year Certificate
$0
5.00% ▲ 1.67% above Maryland avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 1.67% above avgNationally 3.01%
Details

Requires Checking account, First Eagle debit card and monthly deposits of at least $100.00; deposit up to $100,000; funds must be new money to the Credit Union; no additional deposits after opening

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
1 Year Regular IRA Share Certificates
$500
4.90% ▲ 1.57% above Maryland avg
View
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 1.57% above avgNationally 3.01%
Details

Rate History
No change since Oct 30, 2026 · 4.90% APY
4.40%4.90%5.40%Oct 30, 2026: 4.90% APYOct 30, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificate - 1 Year
$500
4.90% ▲ 1.57% above Maryland avg
View
▼
Rate4.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 1.57% above avgNationally 3.01%
Details

Rate History
No change since Oct 30, 2026 · 4.90% APY
4.40%4.90%5.40%Oct 30, 2026: 4.90% APYOct 30, 2026Oct 31, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
12 Month CD Online and In Branch
$500
4.65% ▲ 1.32% above Maryland avg
View
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 1.32% above avgNationally 3.01%
Details

No additional deposits after initial deposit.

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.65% ▲ 0.35 pts · high 4.65% / low 4.30%
3.80%4.48%5.15%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.46% APYOct 31, 2026: 4.65% APYSep 18, 2026Oct 31, 2026
  • Oct 31, 20264.65%▲ from 4.46%
  • Oct 7, 20264.46%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
12-Month Term Certificate of Deposit
$500
4.65% ▲ 1.32% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 1.32% above avgNationally 3.01%
Details

Minimum amount to open account is $500; $500 minimum daily balance required to obtain APY; Maximum initial funding limit is $500,000; Early withdrawal penalties may apply; Rates offered do not apply to personal accounts

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.65% ▲ 0.35 pts · high 4.65% / low 4.30%
3.80%4.48%5.15%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.46% APYOct 31, 2026: 4.65% APYSep 18, 2026Oct 31, 2026
  • Oct 31, 20264.65%▲ from 4.46%
  • Oct 7, 20264.46%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
POCU of Maryland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12 Month CD
$500
4.59% ▲ 1.26% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 1.26% above avgNationally 3.01%
Details

High Rate CD Specials; Limited time only; Each account insured up to $250,000; Dividends compound daily; POCUMD membership required

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.59% ▲ 0.52 pts · high 4.59% / low 4.07%
3.55%4.33%5.11%Sep 14, 2026: 4.07% APYOct 14, 2026: 4.59% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.59%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
National Institutes of Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 12 Month
$500
4.50% ▲ 1.17% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 1.17% above avgNationally 3.01%
Details

Dividend rate shown separately; IRA products not available online

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 Month CD
$1,000
4.45% ▲ 1.12% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 1.12% above avgNationally 3.01%
Details

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

Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 10 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 12 Months
$1,000
4.45% ▲ 1.12% above Maryland avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 1.12% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Oct 14, 2026: 4.45% APYOct 14, 2026Oct 31, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
Certificate and Retirement Accounts - 12 Month
$0
4.40% ▲ 1.07% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average3.33%▲ 1.07% above avgNationally 3.01%
Details

Minimum Balance To Earn APY/Open

Rate History
1 change since Oct 14, 2026 · 4.18% → 4.40% ▲ 0.22 pts · high 4.40% / low 4.18%
3.68%4.29%4.90%Oct 14, 2026: 4.18% APYOct 27, 2026: 4.40% APYOct 14, 2026Oct 31, 2026
  • Oct 27, 20264.40%▲ from 4.18%
  • Oct 14, 20264.18%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.02% above Maryland avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 1.02% above avgNationally 3.01%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 31, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 12 months
$0
4.35% ▲ 1.02% above Maryland avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 1.02% above avgNationally 3.01%
Details

Effective as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 31, 2026
Trustar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
12-MONTH CD
$1,000
4.35% ▲ 1.02% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.33%▲ 1.02% above avgNationally 3.01%
Details

Rates subject to change. Penalty for early withdrawal. Requires Trustar Bank Checking, Savings or Money Market account.

Rate History
No change since Oct 27, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 27, 2026: 4.35% APYOct 27, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate - 12-Month - Better Rewards
$0
4.35% ▲ 1.02% above Maryland avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.33%▲ 1.02% above avgNationally 3.01%
Details

Better Rewards; members must meet Better Rewards Checking eligibility requirements

Rate History
No change since Oct 28, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 28, 2026: 4.35% APYOct 28, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Jumbo Certificates - Star Member
$0
4.35% ▲ 1.02% above Maryland avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 1.02% above avgNationally 3.01%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Oct 12, 2026: 4.00% APYOct 23, 2026: 4.35% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.35%▲ from 4.00%
  • Oct 12, 20264.00%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12-Month CD
$1,000
4.30% ▲ 0.97% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.97% above avgNationally 3.01%
Details

APY available on a new certificate opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits during term; Online account opening

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 31, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Certificate - Star Member
$0
4.30% ▲ 0.97% above Maryland avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.97% above avgNationally 3.01%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Oct 12, 2026: 3.95% APYOct 23, 2026: 4.30% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.30%▲ from 3.95%
  • Oct 12, 20263.95%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Jumbo Certificates
$0
4.30% ▲ 0.97% above Maryland avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.97% above avgNationally 3.01%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 23, 2026: 4.30% APYSep 21, 2026Oct 31, 2026
  • Oct 23, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 12 Months
$0
4.29% ▲ 0.96% above Maryland avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.96% above avgNationally 3.01%
Details

Rate History
No change since Oct 23, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 23, 2026: 4.29% APYOct 23, 2026Oct 31, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
1 Year Fixed Rate CD
$0
4.25% ▲ 0.92% above Maryland avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.92% above avgNationally 3.01%
Details

Featured Rate; Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
Fixed Rate CD - 1-Year
$0
4.25% ▲ 0.92% above Maryland avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.92% above avgNationally 3.01%
Details

Featured Rate; Balance: All balance ranges

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 12 months Add-On
$0
4.25% ▲ 0.92% above Maryland avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.92% above avgNationally 3.01%
Details

Add-On; effective as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Capital Bank National Association
Institution Rating:
A-5.0 ★Texas Ratio: 15.49%
12 Month CD
$10,000
4.25% ▲ 0.92% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.92% above avgNationally 3.01%
Details

Limited Time Offer; Offer available for new money only (funds must come from an account outside Capital Bank, N.A.); Early withdrawal penalty equal to six (6) months' interest on the amount withdrawn may be imposed; APY accurate as of September 23, 2026

Rate History
No change since Oct 28, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 28, 2026: 4.25% APYOct 28, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Share Certificates
$500
4.25% ▲ 0.92% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.33%▲ 0.92% above avgNationally 3.01%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 12 Months
$500
4.25% ▲ 0.92% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.33%▲ 0.92% above avgNationally 3.01%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Certificate
$0
4.25% ▲ 0.92% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.92% above avgNationally 3.01%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYOct 23, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
U S Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA 1 Year Starter Add-On Certificate
$0
4.25% ▲ 0.92% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 0.92% above avgNationally 3.01%
Details

Maximum Balance $1,000.00; Traditional, Roth & Coverdell Education; Rates Set: Monthly; Add funds at any time throughout the certificate term up to $1,000; Limit One Per Member Under 18 Years of Age; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.15% ▲ 0.82% above Maryland avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.82% above avgNationally 3.01%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.14% ▲ 0.81% above Maryland avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.81% above avgNationally 3.01%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate - 12 Months
$500
4.13% ▲ 0.80% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.80% above avgNationally 3.01%
Details

Penalties may apply for early withdrawals from IRA certificate accounts. Fees may reduce earnings.

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 12 Months
$500
4.13% ▲ 0.80% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.80% above avgNationally 3.01%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 11 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 0.77% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.77% above avgNationally 3.01%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Forbright
Institution Rating:
A5.0 ★Texas Ratio: 9.05%
12 Month Branch Certificate of Deposit
$1,000
4.10% ▲ 0.77% above Maryland avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.77% above avgNationally 3.01%
Details

Rate History
1 change since Oct 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Oct 14, 2026: 3.65% APYOct 31, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
  • Oct 31, 20264.10%▲ from 3.65%
  • Oct 14, 20263.65%first recorded
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate - 12 Months
$500
4.10% ▲ 0.77% above Maryland avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.77% above avgNationally 3.01%
Details

Regular And IRA Share Certificates ($500 Minimum)

Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
U S Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.77% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 0.77% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
U S Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 1 Year Add-On
$0
4.10% ▲ 0.77% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 0.77% above avgNationally 3.01%
Details

Balance: $1.00 - $1,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $1,000; Limit one per member under 18 years of age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 12 Month
$0
4.07% ▲ 0.74% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.74% above avgNationally 3.01%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 12 Month
$0
4.07% ▲ 0.74% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.33%▲ 0.74% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 29, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 29, 2026: 4.07% APYOct 29, 2026Oct 31, 2026
POCU of Maryland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12-Month CD
$500
4.07% ▲ 0.74% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.33%▲ 0.74% above avgNationally 3.01%
Details

High-Rate CD Special; each account insured up to $250,000

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 9 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05% ▲ 0.72% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.72% above avgNationally 3.01%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
12 Month Jumbo Fixed Rate Share Certificate
$10,000
4.05% ▲ 0.72% above Maryland avg
View
▼
Rate3.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.72% above avgNationally 3.01%
Details

Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal

Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 31, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 12-Months
$1,000
4.05% ▲ 0.72% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.72% above avgNationally 3.01%
Details

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Rate History
1 change since Oct 7, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Oct 7, 2026: 3.55% APYOct 26, 2026: 4.05% APYOct 7, 2026Oct 31, 2026
  • Oct 26, 20264.05%▲ from 3.55%
  • Oct 7, 20263.55%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Month Easy Builder Long Term Certificate Account
$250
4.01% ▲ 0.68% above Maryland avg
View
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.33%▲ 0.68% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYOct 12, 2026: 4.01% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
12 Month Long Term Certificate Account
$0
4.01% ▲ 0.68% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.33%▲ 0.68% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYOct 12, 2026: 4.01% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 12 months
$500
4.01% ▲ 0.68% above Maryland avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.33%▲ 0.68% above avgNationally 3.01%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1-year online CDs
$0
4.00% ▲ 0.67% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.67% above avgNationally 3.01%
Details

CD rates fixed upon opening; no minimum deposit required

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00% ▲ 0.67% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00% ▲ 0.67% above Maryland avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
12 Month Fixed Rate Share Certificate
$1,000
4.00% ▲ 0.67% above Maryland avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.33%▲ 0.67% above avgNationally 3.01%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026

Mount Rainier 18 Month CD Rates

Maryland 18 Month CD Average3.19% APYNational 2.91%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Usalliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Certificate
$0
5.05% ▲ 1.86% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 1.86% above avgNationally 2.91%
Details

Special Rate

Rate History
No change since Oct 30, 2026 · 5.05% APY
4.55%5.05%5.55%Oct 30, 2026: 5.05% APYOct 30, 2026Oct 31, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
18 Month CD Online and In Branch
$500
4.70% ▲ 1.51% above Maryland avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 1.51% above avgNationally 2.91%
Details

No additional deposits after initial deposit.

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.70% ▲ 0.40 pts · high 4.70% / low 4.30%
3.80%4.50%5.20%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.50% APYOct 31, 2026: 4.70% APYSep 18, 2026Oct 31, 2026
  • Oct 31, 20264.70%▲ from 4.50%
  • Oct 7, 20264.50%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Jumbo Certificates - Star Member
$0
4.65% ▲ 1.46% above Maryland avg
View
▼
Rate4.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 1.46% above avgNationally 2.91%
Details

Star Member rate

Rate History
No change since Oct 12, 2026 · 4.65% APY · checked 4 times
4.15%4.65%5.15%Oct 12, 2026: 4.65% APYOct 12, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate - Star Member
$0
4.60% ▲ 1.41% above Maryland avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 1.41% above avgNationally 2.91%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
No change since Oct 12, 2026 · 4.60% APY · checked 4 times
4.10%4.60%5.10%Oct 12, 2026: 4.60% APYOct 12, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Jumbo Certificates
$0
4.60% ▲ 1.41% above Maryland avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 1.41% above avgNationally 2.91%
Details

Rate History
No change since Sep 21, 2026 · 4.60% APY · checked 9 times
4.10%4.60%5.10%Sep 21, 2026: 4.60% APYSep 21, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate
$0
4.55% ▲ 1.36% above Maryland avg
View
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 1.36% above avgNationally 2.91%
Details

Open Now

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 9 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificate - 18 Month
$500
4.55% ▲ 1.36% above Maryland avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 1.36% above avgNationally 2.91%
Details

Auto-renews at next highest term Share Certificate unless withdrawn at maturity; not offered on IRAs

Rate History
No change since Oct 30, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 30, 2026: 4.55% APYOct 30, 2026Oct 31, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 18 Months
$0
4.41% ▲ 1.22% above Maryland avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 1.22% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.41% APY · checked 2 times
3.91%4.41%4.91%Oct 23, 2026: 4.41% APYOct 23, 2026Oct 31, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40% ▲ 1.21% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 1.21% above avgNationally 2.91%
Details

APY available on a new certificate opened with a minimum of $1,000.00; penalty may be charged for early withdrawal; no additional deposits during term; Online account opening

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 31, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Month CD
$1,000
4.35% ▲ 1.16% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 1.16% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 10 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 18 Months
$1,000
4.35% ▲ 1.16% above Maryland avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 1.16% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Share Certificates
$500
4.30% ▲ 1.11% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 1.11% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 18 Months
$500
4.30% ▲ 1.11% above Maryland avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 1.11% above avgNationally 2.91%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25% ▲ 1.06% above Maryland avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 1.06% above avgNationally 2.91%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24% ▲ 1.05% above Maryland avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 1.05% above avgNationally 2.91%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 0.96% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 0.96% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Arundel Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
Certificate and Retirement Accounts - 18 Month
$0
4.15% ▲ 0.96% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average3.19%▲ 0.96% above avgNationally 2.91%
Details

Minimum Balance To Earn APY/Open

Rate History
1 change since Oct 14, 2026 · 4.24% → 4.15% ▼ 0.09 pts · high 4.24% / low 4.15%
3.65%4.20%4.74%Oct 14, 2026: 4.24% APYOct 27, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
  • Oct 27, 20264.15%▼ from 4.24%
  • Oct 14, 20264.24%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 0.91% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 0.91% above avgNationally 2.91%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month IRA/ESA Certificate
$0
4.07% ▲ 0.88% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.88% above avgNationally 2.91%
Details

IRA/ESA; Minimum Balance $100

Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 31, 2026
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Regular Certificate
$0
4.07% ▲ 0.88% above Maryland avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.88% above avgNationally 2.91%
Details

Regular Certificates; Minimum Balance $1,000

Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 31, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
18 Month Share Certificate
$1,000
4.00% ▲ 0.81% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.81% above avgNationally 2.91%
Details

Rates effective as of 10-28-2026; minimum balance $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
National Institutes of Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 18 Month
$500
4.00% ▲ 0.81% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 0.81% above avgNationally 2.91%
Details

Dividend rate shown separately; IRA products not available online

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Jefferson Security Bank
Institution Rating:
A+4.9 ★Texas Ratio: 0.10%
Business Certificate of Deposit - 18 Months
$500
3.96% ▲ 0.77% above Maryland avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average3.19%▲ 0.77% above avgNationally 2.91%
Details

Interest rate fixed for specified term; penalty for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 31, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 Month Select Certificate of Deposit
$1,000
3.85% ▲ 0.66% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 0.66% above avgNationally 2.91%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Rates may vary by ZIP code

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 31, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$1,000
3.85% ▲ 0.66% above Maryland avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 0.66% above avgNationally 2.91%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 11 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18-Month Share and IRA Certificate Special
$300
3.80% ▲ 0.61% above Maryland avg
View
▼
RateN/A
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.61% above avgNationally 2.91%
Details

Regular Certificate Special; Rates effective September 25, 2026; footnotes 1,2,7; renews to 52-Week Regular Share or IRA Certificate at maturity

Rate History
1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 12, 2026: 3.55% APYOct 4, 2026: 3.80% APYSep 12, 2026Oct 31, 2026
  • Oct 4, 20263.80%▲ from 3.55%
  • Sep 12, 20263.55%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 0.61% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 0.61% above avgNationally 2.91%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80% ▲ 0.61% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 0.61% above avgNationally 2.91%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 0.61% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 0.61% above avgNationally 2.91%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80% ▲ 0.61% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 0.61% above avgNationally 2.91%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80% ▲ 0.61% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 0.61% above avgNationally 2.91%
Details

Rewards APY

Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 27, 2026: 3.65% APYOct 14, 2026: 3.80% APYSep 27, 2026Oct 31, 2026
  • Oct 14, 20263.80%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials 18-month term
$0
3.80% ▲ 0.61% above Maryland avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.19%▲ 0.61% above avgNationally 2.91%
Details

IRA; Rewards APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Share Certificate - 18 Months
$500
3.75% ▲ 0.56% above Maryland avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.56% above avgNationally 2.91%
Details

Minimum Deposit $500

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate - 18-Month - Better Rewards
$0
3.75% ▲ 0.56% above Maryland avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.56% above avgNationally 2.91%
Details

Better Rewards; members must meet Better Rewards Checking eligibility requirements

Rate History
No change since Oct 28, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 28, 2026: 3.75% APYOct 28, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70% ▲ 0.51% above Maryland avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 0.51% above avgNationally 2.91%
Details

Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
CNB Bank Berkeley Springs, WV
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
18 Month CD
$500
3.70% ▲ 0.51% above Maryland avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Maryland Average3.19%▲ 0.51% above avgNationally 2.91%
Details

Rates effective 10/15/2026; interest compounded daily; early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
18 Month Certificate
$250
3.70% ▲ 0.51% above Maryland avg
View
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 0.51% above avgNationally 2.91%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Oct 22, 2026: 3.35% APYOct 23, 2026: 3.70% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20263.70%▲ from 3.35%
  • Oct 22, 20263.35%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate - 18 Months
$250
3.70% ▲ 0.51% above Maryland avg
View
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 0.51% above avgNationally 2.91%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Oct 22, 2026: 3.35% APYOct 23, 2026: 3.70% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20263.70%▲ from 3.35%
  • Oct 22, 20263.35%first recorded
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
18 Month IRA Variable-Rate Certificate
$50
3.66% ▲ 0.47% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.47% above avgNationally 2.91%
Details

Variable-Rate; dividends compounded and credited monthly; effective as of September 23, 2026

Rate History
No change since Oct 23, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 31, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Variable-Rate Certificate - 18-month term
$50
3.66% ▲ 0.47% above Maryland avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.47% above avgNationally 2.91%
Details

Variable-Rate Certificate; Min. to Earn APY: $50; dividends compounded and credited monthly

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 31, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
18 Month Regular & IRA Accumulator Certificates
$0
3.65% ▲ 0.46% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 0.46% above avgNationally 2.91%
Details

Minimum Balance to earn APY: $250.00

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificate - 18 Months
$0
3.64% ▲ 0.45% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 0.45% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Oct 23, 2026: 3.64% APYOct 23, 2026Oct 31, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Share Certificates - 18 Months
$0
3.64% ▲ 0.45% above Maryland avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 0.45% above avgNationally 2.91%
Details

Rate History
1 change since Oct 13, 2026 · 3.07% → 3.64% ▲ 0.57 pts · high 3.64% / low 3.07%
2.50%3.36%4.21%Oct 13, 2026: 3.07% APYOct 23, 2026: 3.64% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20263.64%▲ from 3.07%
  • Oct 13, 20263.07%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CD
$0
3.60% ▲ 0.41% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 0.41% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 31, 2026
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposit - 18 Month
$500
3.60% ▲ 0.41% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.19%▲ 0.41% above avgNationally 2.91%
Details

Rate History
No change since Oct 21, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 21, 2026: 3.60% APYOct 21, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.60% ▲ 0.41% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 0.41% above avgNationally 2.91%
Details

Balance: $250,000.01+; Dividend Earnings: $13,849.82; Dividend Earnings based on minimum tier balance; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Oct 5, 2026: 3.60% APYOct 5, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
18 Month Certificate of Deposit
$1,000
3.59% ▲ 0.40% above Maryland avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average3.19%▲ 0.40% above avgNationally 2.91%
Details

Balance: Over $250,000; Rates effective 10/23/2026

Rate History
No change since Oct 27, 2026 · 3.59% APY
3.09%3.59%4.09%Oct 27, 2026: 3.59% APYOct 27, 2026Oct 31, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 18 Months - Preferred
$500
3.55% ▲ 0.36% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.19%▲ 0.36% above avgNationally 2.91%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 12, 2026: 3.50% APYOct 23, 2026: 3.55% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20263.55%▲ from 3.50%
  • Oct 12, 20263.50%first recorded
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Business Certificates - 18 Months
$0
3.55% ▲ 0.36% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 0.36% above avgNationally 2.91%
Details

Balance: $1,000.00

Rate History
1 change since Oct 13, 2026 · 3.09% → 3.55% ▲ 0.46 pts · high 3.55% / low 3.09%
2.59%3.32%4.05%Oct 13, 2026: 3.09% APYOct 23, 2026: 3.55% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20263.55%▲ from 3.09%
  • Oct 13, 20263.09%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
18 Month Share Certificate
$0
3.55% ▲ 0.36% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.19%▲ 0.36% above avgNationally 2.91%
Details

Balance: $100,000-$250,000; Dividend Earnings: $5,461.04; Dividend Earnings based on minimum tier balance; Rates effective as of September 2, 2026

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 31, 2026

Mount Rainier 24 Month CD Rates

Maryland 24 Month CD Average3.03% APYNational 2.91%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2 Year Regular IRA Share Certificates
$500
5.10% ▲ 2.07% above Maryland avg
View
▼
Rate4.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.03%▲ 2.07% above avgNationally 2.91%
Details

Rate History
No change since Oct 30, 2026 · 5.10% APY
4.60%5.10%5.60%Oct 30, 2026: 5.10% APYOct 30, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificate - 2 Year
$500
5.10% ▲ 2.07% above Maryland avg
View
▼
Rate4.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.03%▲ 2.07% above avgNationally 2.91%
Details

Rate History
No change since Oct 30, 2026 · 5.10% APY
4.60%5.10%5.60%Oct 30, 2026: 5.10% APYOct 30, 2026Oct 31, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
24 Month CD Online and In Branch
$500
4.82% ▲ 1.79% above Maryland avg
View
▼
Rate4.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 1.79% above avgNationally 2.91%
Details

No additional deposits after initial deposit.

Rate History
No change since Oct 31, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 31, 2026: 4.82% APYOct 31, 2026Oct 31, 2026
Capital Area Realtors Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.32%
Certificate of Deposit (CD) - 24 Months
$0
4.52% ▲ 1.49% above Maryland avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.49% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.52% APY · checked 2 times
4.02%4.52%5.02%Oct 23, 2026: 4.52% APYOct 23, 2026Oct 31, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 24 months
$0
4.40% ▲ 1.37% above Maryland avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 1.37% above avgNationally 2.91%
Details

Effective as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
24 Month CD
$1,000
4.35% ▲ 1.32% above Maryland avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 10 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 24 Months
$1,000
4.35% ▲ 1.32% above Maryland avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Share Certificates
$500
4.35% ▲ 1.32% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 24 Months
$500
4.35% ▲ 1.32% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 1.32% above avgNationally 2.91%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30% ▲ 1.27% above Maryland avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 1.27% above avgNationally 2.91%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30% ▲ 1.27% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.27% above avgNationally 2.91%
Details

Balance: $250,000.01+; Dividend Earnings: $24,409.71; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29% ▲ 1.26% above Maryland avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 1.26% above avgNationally 2.91%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate - 24 Months
$500
4.28% ▲ 1.25% above Maryland avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.25% above avgNationally 2.91%
Details

Penalties may apply for early withdrawals from IRA certificate accounts. Fees may reduce earnings.

Rate History
1 change since Oct 13, 2026 · 4.13% → 4.28% ▲ 0.15 pts · high 4.28% / low 4.13%
3.63%4.21%4.78%Oct 13, 2026: 4.13% APYOct 29, 2026: 4.28% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.28%▲ from 4.13%
  • Oct 13, 20264.13%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 24 Months
$500
4.28% ▲ 1.25% above Maryland avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.25% above avgNationally 2.91%
Details

Balance: $1M+

Rate History
1 change since Sep 14, 2026 · 4.13% → 4.28% ▲ 0.15 pts · high 4.28% / low 4.13%
3.63%4.21%4.78%Sep 14, 2026: 4.13% APYOct 29, 2026: 4.28% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.28%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
24 Month Share Certificate
$1,000
4.25% ▲ 1.22% above Maryland avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 1.22% above avgNationally 2.91%
Details

Rates effective as of 10-28-2026; minimum balance $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.25% ▲ 1.22% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.22% above avgNationally 2.91%
Details

Balance: $100,000-$250,000; Dividend Earnings: $8,855.36; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Jumbo Certificates - Star Member
$0
4.20% ▲ 1.17% above Maryland avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.17% above avgNationally 2.91%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
3.45%4.08%4.70%Oct 12, 2026: 3.95% APYOct 23, 2026: 4.20% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 3.95%
  • Oct 12, 20263.95%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.20% ▲ 1.17% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.17% above avgNationally 2.91%
Details

Balance: $10,000-$24,999; Dividend Earnings: $874.69; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 24 Month
$0
4.17% ▲ 1.14% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.14% above avgNationally 2.91%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 24 Month
$0
4.17% ▲ 1.14% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.14% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate - Star Member
$0
4.15% ▲ 1.12% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.12% above avgNationally 2.91%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Oct 12, 2026: 3.90% APYOct 23, 2026: 4.15% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.15%▲ from 3.90%
  • Oct 12, 20263.90%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Jumbo Certificates
$0
4.15% ▲ 1.12% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.12% above avgNationally 2.91%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 21, 2026: 3.90% APYOct 23, 2026: 4.15% APYSep 21, 2026Oct 31, 2026
  • Oct 23, 20264.15%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 24 months
$0
4.12% ▲ 1.09% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 1.09% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 23, 2026 · 4.12% APY · checked 2 times
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate
$0
4.10% ▲ 1.07% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.07% above avgNationally 2.91%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 23, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.10% ▲ 1.07% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 1.07% above avgNationally 2.91%
Details

Balance: $1,000-$9,999; Dividend Earnings: $85.30; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
24 Month Jumbo Fixed Rate Share Certificate
$10,000
4.05% ▲ 1.02% above Maryland avg
View
▼
Rate3.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 1.02% above avgNationally 2.91%
Details

Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal

Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 24 Months
$500
4.02% ▲ 0.99% above Maryland avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 0.99% above avgNationally 2.91%
Details

Balance: $250,000-$999,999

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Sep 14, 2026: 3.87% APYOct 29, 2026: 4.02% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
4.02% ▲ 0.99% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 0.99% above avgNationally 2.91%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Oct 13, 2026: 3.82% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.82%
  • Oct 13, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 24 Month
$0
4.02% ▲ 0.99% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 0.99% above avgNationally 2.91%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
24 Month Fixed Rate Share Certificate
$1,000
4.00% ▲ 0.97% above Maryland avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
24 Month Raise Your Rate Share Certificate
$1,000
4.00% ▲ 0.97% above Maryland avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Raise Your Rate: up to three rate raises, first raise after six months; must maintain $1,000 balance to earn APY

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYOct 26, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 26, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 24 Months
$500
4.00% ▲ 0.97% above Maryland avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate - 24-Month - Better Rewards
$0
4.00% ▲ 0.97% above Maryland avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Better Rewards; members must meet Better Rewards Checking eligibility requirements

Rate History
No change since Oct 28, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 28, 2026: 4.00% APYOct 28, 2026Oct 31, 2026
National Institutes of Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 24 Month
$500
4.00% ▲ 0.97% above Maryland avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.03%▲ 0.97% above avgNationally 2.91%
Details

Dividend rate shown separately; IRA products not available online

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
24 Month Certificate
$250
3.90% ▲ 0.87% above Maryland avg
View
▼
Rate3.84%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 0.87% above avgNationally 2.91%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
2.95%3.68%4.40%Oct 22, 2026: 3.45% APYOct 23, 2026: 3.90% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20263.90%▲ from 3.45%
  • Oct 22, 20263.45%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate - 24 Months
$250
3.90% ▲ 0.87% above Maryland avg
View
▼
Rate3.84%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 0.87% above avgNationally 2.91%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
2.95%3.68%4.40%Oct 22, 2026: 3.45% APYOct 23, 2026: 3.90% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20263.90%▲ from 3.45%
  • Oct 22, 20263.45%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
24 Month Share & IRA Share Certificates
$0
3.82% ▲ 0.79% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 0.79% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 31, 2026
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 1 1/2 Year Certificate
$0
3.81% ▲ 0.78% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.03%▲ 0.78% above avgNationally 2.91%
Details

Rates effective 10/1/26

Rate History
No change since Oct 14, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 14, 2026: 3.81% APYOct 14, 2026Oct 31, 2026
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 2 1/2 Year Certificate
$0
3.81% ▲ 0.78% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.03%▲ 0.78% above avgNationally 2.91%
Details

Rates effective 10/1/26

Rate History
No change since Oct 14, 2026 · 3.81% APY · checked 4 times
3.31%3.81%4.31%Oct 14, 2026: 3.81% APYOct 14, 2026Oct 31, 2026
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 2 Year Certificate
$0
3.81% ▲ 0.78% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average3.03%▲ 0.78% above avgNationally 2.91%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 31, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 Month Long Term Certificate Account
$0
3.80% ▲ 0.77% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 0.77% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 24 months
$500
3.80% ▲ 0.77% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 0.77% above avgNationally 2.91%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 31, 2026
Treasury Department Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.62%
IRA Certificate - 24 months
$0
3.76% ▲ 0.73% above Maryland avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 0.73% above avgNationally 2.91%
Details

Current rates as of October 1, 2025

Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Oct 15, 2026: 3.76% APYOct 15, 2026Oct 31, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 24 Months
$10,000
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.91%
Details

Minimum to open for IRAs: $10,000.00

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 24, 2026: 3.25% APYOct 20, 2026: 3.75% APYSep 24, 2026Oct 31, 2026
  • Oct 20, 20263.75%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Share Certificate - 24 Months
$0
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.91%
Details

Balance: $500+; Minimum Deposit $500+

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Certificates - 24 Month
$1,000
3.75% ▲ 0.72% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 0.72% above avgNationally 2.91%
Details

Minimum deposit $1,000; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 31, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Fixed-Rate Certificate - 2-year term
$500
3.71% ▲ 0.68% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 0.68% above avgNationally 2.91%
Details

Dividend rate 3.65%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026

Rate History
No change since Oct 23, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 23, 2026: 3.71% APYOct 23, 2026Oct 31, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 2-year term
$500
3.71% ▲ 0.68% above Maryland avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average3.03%▲ 0.68% above avgNationally 2.91%
Details

Dividend rate 3.65%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026

Rate History
No change since Sep 25, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 25, 2026: 3.71% APYSep 25, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70% ▲ 0.67% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average3.03%▲ 0.67% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificate - 24 Months
$0
3.68% ▲ 0.65% above Maryland avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average3.03%▲ 0.65% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 23, 2026: 3.68% APYOct 23, 2026Oct 31, 2026

Mount Rainier 36 Month CD Rates

Maryland 36 Month CD Average2.99% APYNational 2.82%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
36 Month CD Online and In Branch
$500
4.82% ▲ 1.83% above Maryland avg
View
▼
Rate4.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.83% above avgNationally 2.82%
Details

No additional deposits after initial deposit.

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.82% ▲ 0.52 pts · high 4.82% / low 4.30%
3.78%4.56%5.34%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.40% APYOct 31, 2026: 4.82% APYSep 18, 2026Oct 31, 2026
  • Oct 31, 20264.82%▲ from 4.40%
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
3 Year Regular IRA Share Certificates
$500
4.75% ▲ 1.76% above Maryland avg
View
▼
Rate4.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 1.76% above avgNationally 2.82%
Details

Rate History
No change since Oct 30, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 30, 2026: 4.75% APYOct 30, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificate - 3 Year
$500
4.75% ▲ 1.76% above Maryland avg
View
▼
Rate4.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 1.76% above avgNationally 2.82%
Details

Rate History
No change since Oct 30, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 30, 2026: 4.75% APYOct 30, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate - 36 Months
$500
4.59% ▲ 1.60% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.60% above avgNationally 2.82%
Details

Penalties may apply for early withdrawals from IRA certificate accounts. Fees may reduce earnings.

Rate History
No change since Oct 13, 2026 · 4.59% APY · checked 4 times
4.09%4.59%5.09%Oct 13, 2026: 4.59% APYOct 13, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 36 Months
$500
4.59% ▲ 1.60% above Maryland avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.60% above avgNationally 2.82%
Details

Balance: $1M+

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.59% ▲ 0.77 pts · high 4.59% / low 3.82%
3.05%4.21%5.36%Sep 14, 2026: 3.82% APYSep 18, 2026: 4.59% APYSep 14, 2026Oct 31, 2026
  • Sep 18, 20264.59%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.50% ▲ 1.51% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.51% above avgNationally 2.82%
Details

Balance: $250,000.01+; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 31, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 36 months
$0
4.45% ▲ 1.46% above Maryland avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.46% above avgNationally 2.82%
Details

Effective as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 20, 2026: 4.45% APYOct 20, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45% ▲ 1.46% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.46% above avgNationally 2.82%
Details

Balance: $100,000-$250,000; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40% ▲ 1.41% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.41% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
36 Month Share Certificates
$500
4.35% ▲ 1.36% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.36% above avgNationally 2.82%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 36 Months
$500
4.35% ▲ 1.36% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.36% above avgNationally 2.82%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 36 Months
$500
4.33% ▲ 1.34% above Maryland avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.34% above avgNationally 2.82%
Details

Balance: $250,000-$999,999

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.33% ▲ 0.51 pts · high 4.33% / low 3.82%
3.31%4.07%4.84%Sep 14, 2026: 3.82% APYSep 18, 2026: 4.33% APYSep 14, 2026Oct 31, 2026
  • Sep 18, 20264.33%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30% ▲ 1.31% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.31% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 31, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 36 Months
$500
4.25% ▲ 1.26% above Maryland avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.26% above avgNationally 2.82%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Jumbo Certificates - Star Member
$0
4.25% ▲ 1.26% above Maryland avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.26% above avgNationally 2.82%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Oct 12, 2026: 3.70% APYOct 23, 2026: 4.25% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.25%▲ from 3.70%
  • Oct 12, 20263.70%first recorded
National Institutes of Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 36 Month
$500
4.25% ▲ 1.26% above Maryland avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 1.26% above avgNationally 2.82%
Details

Dividend rate shown separately; IRA products not available online

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 36 months
$0
4.23% ▲ 1.24% above Maryland avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.24% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 23, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 23, 2026: 4.23% APYOct 23, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Certificate - Star Member
$0
4.20% ▲ 1.21% above Maryland avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.21% above avgNationally 2.82%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.65% → 4.20% ▲ 0.55 pts · high 4.20% / low 3.65%
3.10%3.93%4.75%Oct 12, 2026: 3.65% APYOct 23, 2026: 4.20% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 3.65%
  • Oct 12, 20263.65%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Jumbo Certificates
$0
4.20% ▲ 1.21% above Maryland avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.21% above avgNationally 2.82%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.20% ▲ 0.55 pts · high 4.20% / low 3.65%
3.10%3.93%4.75%Sep 21, 2026: 3.65% APYOct 23, 2026: 4.20% APYSep 21, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 36 Month
$0
4.17% ▲ 1.18% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.18% above avgNationally 2.82%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 36 Month
$0
4.17% ▲ 1.18% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.18% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.16% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.16% above avgNationally 2.82%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Certificate
$0
4.15% ▲ 1.16% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.16% above avgNationally 2.82%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
3.05%3.88%4.70%Sep 14, 2026: 3.60% APYOct 23, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.15%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
U S Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 3 Years Add-On
$0
4.15% ▲ 1.16% above Maryland avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 1.16% above avgNationally 2.82%
Details

Balance: $1.00 - $3,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $3,000; Limit one per member under 18 years of age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.11% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.11% above avgNationally 2.82%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
36 Month IRA Certificate - Traditional or Roth
$2,000
4.10% ▲ 1.11% above Maryland avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.11% above avgNationally 2.82%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 31, 2026
First Financial of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate - 36-Month - Better Rewards
$0
4.10% ▲ 1.11% above Maryland avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.11% above avgNationally 2.82%
Details

Better Rewards; members must meet Better Rewards Checking eligibility requirements

Rate History
No change since Oct 28, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 28, 2026: 4.10% APYOct 28, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
36 Month Jumbo Fixed Rate Share Certificate
$10,000
4.05% ▲ 1.06% above Maryland avg
View
▼
Rate3.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.06% above avgNationally 2.82%
Details

Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal

Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
4.02% ▲ 1.03% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.03% above avgNationally 2.82%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.86% → 4.02% ▲ 0.16 pts · high 4.02% / low 3.86%
3.36%3.94%4.52%Oct 13, 2026: 3.86% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.86%
  • Oct 13, 20263.86%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 36 Month
$0
4.02% ▲ 1.03% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.03% above avgNationally 2.82%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
36 Month Fixed Rate Share Certificate
$1,000
4.00% ▲ 1.01% above Maryland avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.01% above avgNationally 2.82%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
36 Month Raise Your Rate Share Certificate
$1,000
4.00% ▲ 1.01% above Maryland avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.01% above avgNationally 2.82%
Details

Raise Your Rate: up to three rate raises, first raise after six months; must maintain $1,000 balance to earn APY

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYOct 26, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 26, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
36 Month Share Certificate
$1,000
4.00% ▲ 1.01% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.01% above avgNationally 2.82%
Details

Rates effective as of 10-28-2026; minimum balance $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
36 Month Certificate
$250
4.00% ▲ 1.01% above Maryland avg
View
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.01% above avgNationally 2.82%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 22, 2026: 3.50% APYOct 23, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20264.00%▲ from 3.50%
  • Oct 22, 20263.50%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate - 36 Months
$250
4.00% ▲ 1.01% above Maryland avg
View
▼
Rate3.94%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.01% above avgNationally 2.82%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Oct 22, 2026: 3.50% APYOct 23, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20264.00%▲ from 3.50%
  • Oct 22, 20263.50%first recorded
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 36 Months
$500
3.92% ▲ 0.93% above Maryland avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.93% above avgNationally 2.82%
Details

Balance: $100,000-$249,999

Rate History
2 changes since Sep 14, 2026 · 3.82% → 3.92% ▲ 0.10 pts · high 3.92% / low 3.82%
3.32%3.87%4.42%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.87% APYOct 5, 2026: 3.92% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20263.92%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
36 Month Share & IRA Share Certificates
$0
3.87% ▲ 0.88% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.88% above avgNationally 2.82%
Details

36 Month Share Certificates have a 1 time step-up feature

Rate History
No change since Oct 13, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 36 Months
$500
3.87% ▲ 0.88% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.88% above avgNationally 2.82%
Details

Balance: $500-$99,999

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
3.32%3.84%4.37%Sep 14, 2026: 3.82% APYSep 21, 2026: 3.87% APYSep 14, 2026Oct 31, 2026
  • Sep 21, 20263.87%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 3 Year Certificate
$0
3.81% ▲ 0.82% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 0.82% above avgNationally 2.82%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 31, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Long Term Certificate Account
$0
3.80% ▲ 0.81% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 0.81% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 36 months
$500
3.80% ▲ 0.81% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 0.81% above avgNationally 2.82%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
36 Month Certificate of Deposit
$1,000
3.78% ▲ 0.79% above Maryland avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.99%▲ 0.79% above avgNationally 2.82%
Details

Balance: Over $250,000; Rates effective 10/23/2026

Rate History
No change since Oct 27, 2026 · 3.78% APY
3.28%3.78%4.28%Oct 27, 2026: 3.78% APYOct 27, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 36 Months
$1,000
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificate - 36 Months
$0
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.82%
Details

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
Nymeo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Share Certificates - 36 Months
$0
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.82%
Details

Rate History
1 change since Oct 13, 2026 · 3.02% → 3.75% ▲ 0.73 pts · high 3.75% / low 3.02%
2.29%3.39%4.48%Oct 13, 2026: 3.02% APYOct 23, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20263.75%▲ from 3.02%
  • Oct 13, 20263.02%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Certificates - 36 Month
$1,000
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.82%
Details

Minimum deposit $1,000; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 31, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Jumbo CD
$10,000
3.75% ▲ 0.76% above Maryland avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.82%
Details

Compounded & Credited: Monthly; APY accurate as of October 25, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Standard CD
$500
3.75% ▲ 0.76% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.82%
Details

Compounded & Credited: Monthly; APY accurate as of October 25, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 36 Months
$1,000
3.73% ▲ 0.74% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.99%▲ 0.74% above avgNationally 2.82%
Details

Balance: $100,000-$249,999; Rates effective 10/23/2026

Rate History
1 change since Oct 22, 2026 · 3.63% → 3.73% ▲ 0.10 pts · high 3.73% / low 3.63%
3.13%3.68%4.23%Oct 22, 2026: 3.63% APYOct 27, 2026: 3.73% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20263.73%▲ from 3.63%
  • Oct 22, 20263.63%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 36 Months - Preferred
$500
3.70% ▲ 0.71% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 0.71% above avgNationally 2.82%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25%
2.75%3.48%4.20%Oct 12, 2026: 3.25% APYOct 23, 2026: 3.70% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20263.70%▲ from 3.25%
  • Oct 12, 20263.25%first recorded

Mount Rainier 48 Month CD Rates

Maryland 48 Month CD Average2.92% APYNational 2.81%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificates - 4 year Mini-Jumbo
$20,000
4.95% ▲ 2.03% above Maryland avg
View
▼
Rate4.83%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.92%▲ 2.03% above avgNationally 2.81%
Details

Minimum to open $20,000; early withdrawal penalty applies

Rate History
1 change since Oct 14, 2026 · 5.00% → 4.95% ▼ 0.05 pts · high 5.00% / low 4.95%
4.45%4.98%5.50%Oct 14, 2026: 5.00% APYOct 30, 2026: 4.95% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.95%▼ from 5.00%
  • Oct 14, 20265.00%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo Share Certificates - 4 year Mini-Jumbo
$20,000
4.95% ▲ 2.03% above Maryland avg
View
▼
Rate4.83%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.92%▲ 2.03% above avgNationally 2.81%
Details

Early withdrawal penalty applies before maturity

Rate History
1 change since Oct 14, 2026 · 5.00% → 4.95% ▼ 0.05 pts · high 5.00% / low 4.95%
4.45%4.98%5.50%Oct 14, 2026: 5.00% APYOct 30, 2026: 4.95% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.95%▼ from 5.00%
  • Oct 14, 20265.00%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4 Year Regular IRA Share Certificates
$500
4.80% ▲ 1.88% above Maryland avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.92%▲ 1.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 30, 2026 · 4.80% APY
4.30%4.80%5.30%Oct 30, 2026: 4.80% APYOct 30, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificate - 4 Year
$500
4.80% ▲ 1.88% above Maryland avg
View
▼
Rate4.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.92%▲ 1.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 30, 2026 · 4.80% APY
4.30%4.80%5.30%Oct 30, 2026: 4.80% APYOct 30, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.60% ▲ 1.68% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.68% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55% ▲ 1.63% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.63% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 6 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 31, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 48 months
$0
4.50% ▲ 1.58% above Maryland avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.92%▲ 1.58% above avgNationally 2.81%
Details

Effective as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 20, 2026: 4.50% APYOct 20, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50% ▲ 1.58% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.58% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40% ▲ 1.48% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.48% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
48 Month Share Certificates
$500
4.35% ▲ 1.43% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 48 Months
$500
4.35% ▲ 1.43% above Maryland avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 1.43% above avgNationally 2.81%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up IRA Share Certificates - 4 year Bump-Up
$5,000
4.30% ▲ 1.38% above Maryland avg
View
▼
Rate4.21%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.92%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
1 change since Oct 14, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Oct 14, 2026: 4.35% APYOct 30, 2026: 4.30% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.30%▼ from 4.35%
  • Oct 14, 20264.35%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up Share Certificates - 4 year Bump-Up
$5,000
4.30% ▲ 1.38% above Maryland avg
View
▼
Rate4.21%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.92%▲ 1.38% above avgNationally 2.81%
Details

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

Rate History
1 change since Oct 14, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Oct 14, 2026: 4.35% APYOct 30, 2026: 4.30% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.30%▼ from 4.35%
  • Oct 14, 20264.35%first recorded
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 48 months
$0
4.27% ▲ 1.35% above Maryland avg
View
▼
Rate4.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 1.35% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 23, 2026 · 4.27% APY · checked 2 times
3.77%4.27%4.77%Oct 23, 2026: 4.27% APYOct 23, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.17% ▲ 1.25% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.25% above avgNationally 2.81%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 48 Month
$0
4.17% ▲ 1.25% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.25% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate - 48 Months
$500
4.13% ▲ 1.21% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.21% above avgNationally 2.81%
Details

Penalties may apply for early withdrawals from IRA certificate accounts. Fees may reduce earnings.

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 48 Months
$500
4.13% ▲ 1.21% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.21% above avgNationally 2.81%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 11 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48 Month Jumbo Fixed Rate Share Certificate
$10,000
4.05% ▲ 1.13% above Maryland avg
View
▼
Rate3.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.92%▲ 1.13% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal

Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Jumbo Certificates - Star Member
$0
4.05% ▲ 1.13% above Maryland avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.13% above avgNationally 2.81%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Oct 12, 2026: 3.75% APYOct 23, 2026: 4.05% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.05%▲ from 3.75%
  • Oct 12, 20263.75%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
48 Month Certificate
$250
4.05% ▲ 1.13% above Maryland avg
View
▼
Rate3.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.13% above avgNationally 2.81%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Oct 22, 2026: 3.55% APYOct 23, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20264.05%▲ from 3.55%
  • Oct 22, 20263.55%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate - 48 Months
$250
4.05% ▲ 1.13% above Maryland avg
View
▼
Rate3.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.13% above avgNationally 2.81%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
3.05%3.80%4.55%Oct 22, 2026: 3.55% APYOct 23, 2026: 4.05% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20264.05%▲ from 3.55%
  • Oct 22, 20263.55%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
4.02% ▲ 1.10% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.10% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.81% → 4.02% ▲ 0.21 pts · high 4.02% / low 3.81%
3.31%3.92%4.52%Oct 13, 2026: 3.81% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.81%
  • Oct 13, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 48 Month
$0
4.02% ▲ 1.10% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.10% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48 Month Fixed Rate Share Certificate
$1,000
4.00% ▲ 1.08% above Maryland avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
48 Month Raise Your Rate Share Certificate
$1,000
4.00% ▲ 1.08% above Maryland avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Raise Your Rate: up to three rate raises, first raise after six months; must maintain $1,000 balance to earn APY

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYOct 26, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 26, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 Month Share Certificate
$1,000
4.00% ▲ 1.08% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Rates effective as of 10-28-2026; minimum balance $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate - Star Member
$0
4.00% ▲ 1.08% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Oct 12, 2026: 3.70% APYOct 23, 2026: 4.00% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.00%▲ from 3.70%
  • Oct 12, 20263.70%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Jumbo Certificates
$0
4.00% ▲ 1.08% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 21, 2026: 3.70% APYOct 23, 2026: 4.00% APYSep 21, 2026Oct 31, 2026
  • Oct 23, 20264.00%▲ from 3.70%
  • Sep 21, 20263.70%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate
$0
3.95% ▲ 1.03% above Maryland avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.03% above avgNationally 2.81%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
3.15%3.80%4.45%Sep 14, 2026: 3.65% APYOct 23, 2026: 3.95% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20263.95%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month Share & IRA Share Certificates
$0
3.92% ▲ 1.00% above Maryland avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 48 Months
$500
3.87% ▲ 0.95% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 0.95% above avgNationally 2.81%
Details

Balance: $250,000-$999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 11 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
48 Month Certificate of Deposit
$1,000
3.84% ▲ 0.92% above Maryland avg
View
▼
Rate3.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.92%▲ 0.92% above avgNationally 2.81%
Details

Balance: Over $250,000; Rates effective 10/23/2026

Rate History
No change since Oct 27, 2026 · 3.84% APY
3.34%3.84%4.34%Oct 27, 2026: 3.84% APYOct 27, 2026Oct 31, 2026
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 4 Year Certificate
$0
3.81% ▲ 0.89% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.92%▲ 0.89% above avgNationally 2.81%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 31, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
48 Month Long Term Certificate Account
$0
3.80% ▲ 0.88% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44%
2.94%3.62%4.30%Sep 14, 2026: 3.44% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.80%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 48 months
$500
3.80% ▲ 0.88% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 0.88% above avgNationally 2.81%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 48 Months
$1,000
3.79% ▲ 0.87% above Maryland avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.92%▲ 0.87% above avgNationally 2.81%
Details

Balance: $100,000-$249,999; Rates effective 10/23/2026

Rate History
1 change since Oct 22, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69%
3.19%3.74%4.29%Oct 22, 2026: 3.69% APYOct 27, 2026: 3.79% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20263.79%▲ from 3.69%
  • Oct 22, 20263.69%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 48 Months
$1,000
3.75% ▲ 0.83% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 48 Months
$500
3.75% ▲ 0.83% above Maryland avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 48 Months - Preferred
$500
3.75% ▲ 0.83% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Oct 12, 2026: 3.35% APYOct 23, 2026: 3.75% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20263.75%▲ from 3.35%
  • Oct 12, 20263.35%first recorded
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Certificates - 48 Month
$1,000
3.75% ▲ 0.83% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Minimum deposit $1,000; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
48 Month Certificate of Deposit
$1,000
3.74% ▲ 0.82% above Maryland avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.92%▲ 0.82% above avgNationally 2.81%
Details

Balance: Under $100,000; Rates effective 10/23/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 27, 2026 · 3.74% APY
3.24%3.74%4.24%Oct 27, 2026: 3.74% APYOct 27, 2026Oct 31, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Fixed-Rate Certificate - 4-year term
$500
3.61% ▲ 0.69% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 0.69% above avgNationally 2.81%
Details

Dividend rate 3.55%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026

Rate History
No change since Oct 23, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 23, 2026: 3.61% APYOct 23, 2026Oct 31, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 4-year term
$500
3.61% ▲ 0.69% above Maryland avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 0.69% above avgNationally 2.81%
Details

Dividend rate 3.55%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026

Rate History
No change since Sep 25, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 25, 2026: 3.61% APYSep 25, 2026Oct 31, 2026
SPECTRA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.16%
48 Month Share Certificate
$500
3.60% ▲ 0.68% above Maryland avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.92%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 30, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 30, 2026: 3.60% APYOct 30, 2026Oct 31, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 Month IRA Share Certificate
$500
3.56% ▲ 0.64% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 Month Share Certificate
$500
3.56% ▲ 0.64% above Maryland avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Aberdeen Proving Ground Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
48 Month Member Rewards Gold Certificate
$100
3.55% ▲ 0.63% above Maryland avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.92%▲ 0.63% above avgNationally 2.81%
Details

Member Rewards Gold

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 31, 2026
Mid-Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
4 Year Regular & IRA Certificates
$0
3.55% ▲ 0.63% above Maryland avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 0.63% above avgNationally 2.81%
Details

Minimum Balance to earn APY: $1,000.00

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 11 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
Five Star of Maryland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
IRA & Education Share Certificates - 48 Months
$0
3.55% ▲ 0.63% above Maryland avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.92%▲ 0.63% above avgNationally 2.81%
Details

Dividend Rate 3.50%; Minimum balance for certificates is $500; Penalty for early withdrawal on Certificates and IRAs; IRAs are also subject to IRS penalties

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 31, 2026

Mount Rainier 60 Month CD Rates

Maryland 60 Month CD Average2.99% APYNational 2.92%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo IRA Share Certificates - 5 year Mini-Jumbo
$20,000
5.00% ▲ 2.01% above Maryland avg
View
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 2.01% above avgNationally 2.92%
Details

Minimum to open $20,000; early withdrawal penalty applies

Rate History
1 change since Oct 14, 2026 · 5.05% → 5.00% ▼ 0.05 pts · high 5.05% / low 5.00%
4.50%5.03%5.55%Oct 14, 2026: 5.05% APYOct 30, 2026: 5.00% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20265.00%▼ from 5.05%
  • Oct 14, 20265.05%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Mini-Jumbo Share Certificates - 5 year Mini-Jumbo
$20,000
5.00% ▲ 2.01% above Maryland avg
View
▼
Rate4.88%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 2.01% above avgNationally 2.92%
Details

Early withdrawal penalty applies before maturity

Rate History
1 change since Oct 14, 2026 · 5.05% → 5.00% ▼ 0.05 pts · high 5.05% / low 5.00%
4.50%5.03%5.55%Oct 14, 2026: 5.05% APYOct 30, 2026: 5.00% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20265.00%▼ from 5.05%
  • Oct 14, 20265.05%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
5 Year Regular IRA Share Certificates
$500
4.85% ▲ 1.86% above Maryland avg
View
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 1.86% above avgNationally 2.92%
Details

Rate History
No change since Oct 30, 2026 · 4.85% APY
4.35%4.85%5.35%Oct 30, 2026: 4.85% APYOct 30, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificate - 5 Year
$500
4.85% ▲ 1.86% above Maryland avg
View
▼
Rate4.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 1.86% above avgNationally 2.92%
Details

Rate History
No change since Oct 30, 2026 · 4.85% APY
4.35%4.85%5.35%Oct 30, 2026: 4.85% APYOct 30, 2026Oct 31, 2026
CFG Bank
Institution Rating:
D3.3 ★Texas Ratio: 35.17%
60 Month CD Online and In Branch
$500
4.82% ▲ 1.83% above Maryland avg
View
▼
Rate4.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.83% above avgNationally 2.92%
Details

No additional deposits after initial deposit.

Rate History
2 changes since Sep 18, 2026 · 4.30% → 4.82% ▲ 0.52 pts · high 4.82% / low 4.30%
3.78%4.56%5.34%Sep 18, 2026: 4.30% APYOct 7, 2026: 4.40% APYOct 31, 2026: 4.82% APYSep 18, 2026Oct 31, 2026
  • Oct 31, 20264.82%▲ from 4.40%
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.60% ▲ 1.61% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.61% above avgNationally 2.92%
Details

Balance: $250,000.01 and over; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 4 times
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 31, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 60 months
$0
4.55% ▲ 1.56% above Maryland avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.56% above avgNationally 2.92%
Details

Effective as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 20, 2026: 4.55% APYOct 20, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.55% ▲ 1.56% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.56% above avgNationally 2.92%
Details

Balance: $100,000-$250,000; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.55% APY · checked 4 times
4.05%4.55%5.05%Oct 13, 2026: 4.55% APYOct 13, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Share Certificates
$500
4.50% ▲ 1.51% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 60 Months
$500
4.50% ▲ 1.51% above Maryland avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.50% ▲ 1.51% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.51% above avgNationally 2.92%
Details

Balance: $10,000-$24,999; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.40% ▲ 1.41% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.41% above avgNationally 2.92%
Details

Balance: $1,000-$9,999; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 31, 2026
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up IRA Share Certificates - 5 year Bump-Up
$5,000
4.35% ▲ 1.36% above Maryland avg
View
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 1.36% above avgNationally 2.92%
Details

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

Rate History
1 change since Oct 14, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Oct 14, 2026: 4.40% APYOct 30, 2026: 4.35% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.35%▼ from 4.40%
  • Oct 14, 20264.40%first recorded
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Bump-Up Share Certificates - 5 year Bump-Up
$5,000
4.35% ▲ 1.36% above Maryland avg
View
▼
Rate4.26%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 1.36% above avgNationally 2.92%
Details

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

Rate History
1 change since Oct 14, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Oct 14, 2026: 4.40% APYOct 30, 2026: 4.35% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.35%▼ from 4.40%
  • Oct 14, 20264.40%first recorded
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 60 months
$0
4.31% ▲ 1.32% above Maryland avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.32% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 23, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Oct 23, 2026: 4.31% APYOct 23, 2026Oct 31, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
60 Month IRA Certificate - Traditional or Roth
$2,500
4.25% ▲ 1.26% above Maryland avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.26% above avgNationally 2.92%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 31, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 60 Month
$0
4.17% ▲ 1.18% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.18% above avgNationally 2.92%
Details

Effective as of Thursday, October 29th, 2026; Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
1 change since Oct 23, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 23, 2026: 4.12% APYOct 29, 2026: 4.17% APYOct 23, 2026Oct 31, 2026
  • Oct 29, 20264.17%▲ from 4.12%
  • Oct 23, 20264.12%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificate - 60 Month
$0
4.17% ▲ 1.18% above Maryland avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.18% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 29, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 29, 2026: 4.17% APYOct 29, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificate - 60 Months
$500
4.13% ▲ 1.14% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.14% above avgNationally 2.92%
Details

Penalties may apply for early withdrawals from IRA certificate accounts. Fees may reduce earnings.

Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Oct 13, 2026: 4.13% APYOct 13, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 60 Months
$500
4.13% ▲ 1.14% above Maryland avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.14% above avgNationally 2.92%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 11 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Jumbo Certificates - Star Member
$0
4.10% ▲ 1.11% above Maryland avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.11% above avgNationally 2.92%
Details

Star Member rate

Rate History
1 change since Oct 12, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Oct 12, 2026: 3.80% APYOct 23, 2026: 4.10% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 3.80%
  • Oct 12, 20263.80%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
60 Month Certificate
$250
4.10% ▲ 1.11% above Maryland avg
View
▼
Rate4.04%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.11% above avgNationally 2.92%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Oct 22, 2026: 3.60% APYOct 23, 2026: 4.10% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 3.60%
  • Oct 22, 20263.60%first recorded
Agriculture Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate - 60 Months
$250
4.10% ▲ 1.11% above Maryland avg
View
▼
Rate4.04%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.11% above avgNationally 2.92%
Details

Frequency: Quarterly

Rate History
1 change since Oct 22, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Oct 22, 2026: 3.60% APYOct 23, 2026: 4.10% APYOct 22, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 3.60%
  • Oct 22, 20263.60%first recorded
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
60 Month Jumbo Fixed Rate Share Certificate
$10,000
4.05% ▲ 1.06% above Maryland avg
View
▼
Rate3.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.06% above avgNationally 2.92%
Details

Dividends compounded and credited quarterly; APY remains in effect for the term but may change on renewal

Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 26, 2026: 4.05% APYOct 26, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Certificate - Star Member
$0
4.05% ▲ 1.06% above Maryland avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.06% above avgNationally 2.92%
Details

Open Now; Star Member: 0.05% APY higher than Regular Certificate of same term; Star Member has $25,000 in combined deposits and/or loans

Rate History
1 change since Oct 12, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Oct 12, 2026: 3.75% APYOct 23, 2026: 4.05% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.05%▲ from 3.75%
  • Oct 12, 20263.75%first recorded
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Jumbo Certificates
$0
4.05% ▲ 1.06% above Maryland avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.06% above avgNationally 2.92%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 21, 2026: 3.75% APYOct 23, 2026: 4.05% APYSep 21, 2026Oct 31, 2026
  • Oct 23, 20264.05%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
4.02% ▲ 1.03% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.03% above avgNationally 2.92%
Details

Early withdrawal penalty may apply

Rate History
1 change since Oct 13, 2026 · 3.84% → 4.02% ▲ 0.18 pts · high 4.02% / low 3.84%
3.34%3.93%4.52%Oct 13, 2026: 3.84% APYOct 29, 2026: 4.02% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20264.02%▲ from 3.84%
  • Oct 13, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificate - 60 Month
$0
4.02% ▲ 1.03% above Maryland avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.03% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $2,500

Rate History
No change since Oct 29, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 29, 2026: 4.02% APYOct 29, 2026Oct 31, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
60 Month Fixed Rate Share Certificate
$1,000
4.00% ▲ 1.01% above Maryland avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
APL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
60 Month Share Certificate
$1,000
4.00% ▲ 1.01% above Maryland avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Rates effective as of 10-28-2026; minimum balance $1,000 to open

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Educational Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Certificate
$0
4.00% ▲ 1.01% above Maryland avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 1.01% above avgNationally 2.92%
Details

Open Now

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYOct 23, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
60 Month Share & IRA Share Certificates
$0
3.97% ▲ 0.98% above Maryland avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.98% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90% ▲ 0.91% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 0.91% above avgNationally 2.92%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 31, 2026
HEMA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificate 60 Months
$500
3.87% ▲ 0.88% above Maryland avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.88% above avgNationally 2.92%
Details

Balance: $250,000-$999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 11 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85% ▲ 0.86% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 0.86% above avgNationally 2.92%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
60 Month Certificate of Deposit
$1,000
3.85% ▲ 0.86% above Maryland avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.99%▲ 0.86% above avgNationally 2.92%
Details

Balance: Over $250,000; Rates effective 10/23/2026

Rate History
No change since Oct 27, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 27, 2026: 3.85% APYOct 27, 2026Oct 31, 2026
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month Long Term Certificate Account
$0
3.85% ▲ 0.86% above Maryland avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 0.86% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 28, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
  • Oct 28, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Market USA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
Certificate - 60 Months - Preferred
$500
3.85% ▲ 0.86% above Maryland avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 0.86% above avgNationally 2.92%
Details

Preferred APY includes 0.35% premium; Direct Deposit and eStatements required

Rate History
1 change since Oct 12, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Oct 12, 2026: 3.45% APYOct 23, 2026: 3.85% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20263.85%▲ from 3.45%
  • Oct 12, 20263.45%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month IRA Share Certificate
$500
3.82% ▲ 0.83% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 0.83% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Share Certificate
$500
3.82% ▲ 0.83% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 0.83% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.34%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.82% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
First Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA & Share Certificate - 5 Year Certificate
$0
3.81% ▲ 0.82% above Maryland avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 0.82% above avgNationally 2.92%
Details

Rates effective 10/1/26

Rate History
No change since Oct 6, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Oct 6, 2026: 3.81% APYOct 6, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Certificate of Deposit - 60 Months
$1,000
3.80% ▲ 0.81% above Maryland avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.99%▲ 0.81% above avgNationally 2.92%
Details

Balance: $100,000-$249,999; Rates effective 10/23/2026

Rate History
1 change since Oct 22, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Oct 22, 2026: 3.70% APYOct 27, 2026: 3.80% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20263.80%▲ from 3.70%
  • Oct 22, 20263.70%first recorded
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
All IRA Certificate Accounts - 60 months
$500
3.80% ▲ 0.81% above Maryland avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Maryland Average2.99%▲ 0.81% above avgNationally 2.92%
Details

IRA certificate; Normal IRA restrictions and penalties apply

Rate History
No change since Oct 12, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 31, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 60 Months
$1,000
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Regular CD - 60 Months
$500
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.92%
Details

Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Farmers Bank of Willards
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
60 Month Certificate of Deposit
$1,000
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.92%
Details

Balance: Under $100,000; Rates effective 10/23/2026; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 27, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 27, 2026: 3.75% APYOct 27, 2026Oct 31, 2026
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
Certificates - 60 Month
$1,000
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.92%
Details

Minimum deposit $1,000; dividends paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 31, 2026
National Institutes of Health Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
IRA Certificate 60 Month
$500
3.75% ▲ 0.76% above Maryland avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Maryland Average2.99%▲ 0.76% above avgNationally 2.92%
Details

Dividend rate shown separately; IRA products not available online

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Peake Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
60 Month IRA Certificate
$500
3.66% ▲ 0.67% above Maryland avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Maryland Average2.99%▲ 0.67% above avgNationally 2.92%
Details

As of: October 1, 2026

Rate History
No change since Oct 5, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 5, 2026: 3.66% APYOct 5, 2026Oct 31, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
5-year online CDs
$0
3.60% ▲ 0.61% above Maryland avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Maryland Average2.99%▲ 0.61% above avgNationally 2.92%
Details

CD rates fixed upon opening; no minimum deposit required

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 31, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Mount Rainier, Maryland Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
CFG Bank
24 Month CD Online and In Branch
D 3.3 ★ TX: 35.17%
Min: $500
4.82%
EagleBank
12 Month CD
A 5.0 ★ TX: 11.84%
Min: $1,000
4.45%
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
Arundel Federal Savings Bank
Certificate and Retirement Accounts - 12 Month
A+ 5.0 ★ TX: 2.77%
Min: $0
4.40%
Trustar Bank
12-MONTH CD
A+ 5.0 ★ TX: 3.45%
Min: $1,000
4.35%
CU Top 5 Credit Union Rates
Tower Federal Credit Union
2 Year Regular IRA Share Certificates
A+ 5.0 ★ TX: 1.97%
Min: $500
5.10%
Usalliance Credit Union
18 Month Certificate
A 5.0 ★ TX: 8.11%
Min: $0
5.05%
National Institutes of Health Credit Union
IRA Certificate 12 Month Jumbo
A+ 5.0 ★ TX: 4.98%
Min: $100,000
5.00%
First Eagle Credit Union
Share Certificate Special - 1 Year Certificate
A+ 5.0 ★ TX: 3.56%
Min: $0
5.00%
Educational Systems Federal Credit Union
18 Month Jumbo Certificates - Star Member
A+ 5.0 ★ TX: 3.40%
Min: $0
4.65%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Mount Rainier, MD CD Rate Trends

Compare local Mount Rainier, MD CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Maryland CD Trends
12-Month CD MD Avg
3.327%
▲ 0.044 vs 7 days ago

Maryland 12-month CD rates rose 0.044 points over the past 7 days to 3.327% APY.

6-Month CD MD Avg
2.811%
▲ 0.002 vs 7 days ago

Maryland 6-month CD rates rose 0.002 points over the past 7 days to 2.811% APY.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

MD CD Rate Forecast, Next 12 Months

Where are Maryland CD rates headed through October 2027?

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

MD 12-Month Avg APY
3.327%
6-Month Forecast
3.327%
Range: 3.13%, 3.48%
12-Month Forecast
3.577%
Range: 3.38%, 3.73%

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

Spread model: The Maryland 12-month CD average currently trades 1.05% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at MD CD Rates Today

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

CD Term MD Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.715% $85.77 $171.53 $428.83 $857.65
6-Month CD 2.811% $140.54 $281.08 $702.70 $1,405.40
12-Month CD 3.327% $166.33 $332.65 $831.62 $1,663.25
18-Month CD 3.185% $159.27 $318.53 $796.32 $1,592.65
24-Month CD 3.028% $151.40 $302.80 $757.00 $1,514.00
36-Month CD 2.994% $149.69 $299.37 $748.43 $1,496.85
48-Month CD 2.916% $145.81 $291.62 $729.05 $1,458.10
60-Month CD 2.994% $149.69 $299.37 $748.43 $1,496.85
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
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Sample CD Ladder for Mount Rainier, Maryland Savers

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

Build Your Ladder
Rung Term Deposit MD Avg APY Annual Earnings
1 3-Month CD $5,000 1.715% $85.77
2 6-Month CD $5,000 2.811% $140.54
3 12-Month CD $5,000 3.327% $166.33
4 24-Month CD $5,000 3.028% $151.40
5 36-Month CD $5,000 2.994% $149.69
Total ($25,000 invested) $25,000 2.775% blended $693.73/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.

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1,187
CD Rates
Tracked in Mount Rainier, Maryland
38 Banks 55 Credit Unions

About Our Mount Rainier, Maryland CD Rate Database

MonitorBankRates tracks 1,187 CD rates from 38 banks and 55 credit unions with locations in Mount Rainier, Maryland, plus national online institutions available to Maryland residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Tower Federal Credit Union offers a CD at 5.10% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Mount Rainier, Maryland.

How to Find the Best CD Rates in Mount Rainier, Maryland

What to compare when shopping for a CD in Mount Rainier, Maryland

To find the best APYs in Mount Rainier, Maryland, start with credit unions and online-only banks: Mount Rainier, Maryland has 55 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 Mount Rainier, 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 Mount Rainier, Maryland: 93 institutions here report CD rates

Consider an Alternative If…

Mount Rainier, Maryland Financial Snapshot

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

Population 65+
15.5%
National avg: 17.3%
Median Individual Earnings
$43,249
National avg: $47,340
Poverty Rate
6.3%
National avg: 11.1%
Unemployment Rate
5.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$144/yr
At MD 12-mo avg 3.327% APY

15.5% of residents are 65 or older, below the national average of 17.3%. At today’s MD 12-month CD average of 3.327%, saving 10% of the local median salary ($4,324/year) and putting it in a CD would earn an additional $144 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 Mount Rainier, Maryland

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

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

CD Product Information

How CDs Work

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Mount Rainier, Maryland typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Mount Rainier, Maryland as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Mount Rainier, Maryland savers easier access to their funds. For example, NASA Federal Credit Union is offering its Share Certificate - 6 months at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tower Federal Credit Union is offering its Mini-Jumbo IRA Share Certificates - 5 year Mini-Jumbo at 5.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Mount Rainier, Maryland saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Mount Rainier, Maryland CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates

Most CDs carry a fixed rate that is locked for the entire term, protecting a Mount Rainier, Maryland depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Mount Rainier, Maryland

What are CD rates in Mount Rainier, Maryland today?

Mount Rainier, Maryland CD rates from banks and credit unions serving Maryland range from 0.01% to 5.10% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 5.10% APY at Tower Federal Credit Union (2 Year Regular IRA Share Certificates), 5.05% at Usalliance Credit Union (18 Month Certificate) and 5.00% at National Institutes of Health Credit Union (IRA Certificate 12 Month Jumbo), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Mount Rainier, Maryland FDIC insured?

Yes, most established banks in Mount Rainier, 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 Mount Rainier, 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 Mount Rainier, 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 Mount Rainier, 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 Mount Rainier, Maryland?

Here are recent top rates found for this area:
  • Tower Federal Credit Union: 5.10% APY (2 Year Regular IRA Share Certificates)
  • Usalliance Credit Union: 5.05% APY (18 Month Certificate)
  • National Institutes of Health Credit Union: 5.00% APY (IRA Certificate 12 Month Jumbo)
  • First Eagle Credit Union: 5.00% APY (Share Certificate Special - 1 Year Certificate)
  • CFG Bank: 4.82% APY (24 Month CD Online and In Branch)
  • Educational Systems Federal Credit Union: 4.65% APY (18 Month Jumbo Certificates - Star Member)
  • Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
  • HEMA Federal Credit Union: 4.59% APY (IRA Certificate - 36 Months)
  • POCU of Maryland Credit Union: 4.59% APY (12 Month CD)
  • NASA Federal Credit Union: 4.55% APY (Share Certificate - 60 months)
Rates reflect recent verified offers available in Mount Rainier, Maryland. Last Updated: October 31, 2026

Mount Rainier, Maryland CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Mount Rainier, Maryland rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Mount Rainier, Maryland CD Rates by Term

Verified October 31, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Mount Rainier, Maryland. Averages shown use the Maryland state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Mount Rainier, Maryland

Mount Rainier, Maryland CD Calculator

At today’s MD top rate of 5.10% APY, a $10,000 deposit earns $510 in the first year. Enter your amount to see your exact return.

Mount Rainier, Maryland CD Ladder

MD CD rates currently range from 1.715% (3-month) to 2.994% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Mount Rainier, Maryland CD at 5.10% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Maryland’s average 12-month CD is 3.327% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mount Rainier, Maryland CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Mount Rainier, Maryland directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Mount Rainier, Maryland. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MD.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026

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