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Image Courtesy: pixabay.com
You are viewing rates from banks across Maryland
Below are special Certificate of Deposit special rates and terms from banks in Maryland. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.
MD - November 7, 2026
As of November 7, 2026, the highest special CD rate from a bank in Maryland is 4.55% APY from Finworth, a division of InsBank (minimum deposit $50,000). The best rate with a $1,000 minimum or less is 4.51% APY from Rising Bank, a division of Midwest BankCentre (minimum deposit $1,000). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
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Finworth, a division of InsBank |
4.55% | $50,000 | 22 months |
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Rate History: 3.50% → 3.20% → 4.35% → 4.45% → 4.55% |
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Rising Bank, a division of Midwest BankCentre |
4.51% | $1,000 | 15 months |
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Early Withdrawal Penalty is 180 days interest. |
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4.50% | $0 | 10 months |
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Rate History: 4.40% → 4.50% |
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4.50% | $1,000 | 13 months |
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Rate History: 3.71% → 3.90% → 4.00% → 4.30% → 4.50% |
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4.50% | $5,000 | 13 months |
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Rate History: 4.20% → 3.50% → 3.75% → 4.00% → 4.50% |
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4.50%
4.30% 4.30% |
$0
$0 |
15 months |
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Early withdrawal penalty is 180 days' interest. |
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4.50% | $10,000 | 18 months |
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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4.35% | $500 | 20 months |
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20-Month rate bump CD. |
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4.30% | $1,000 | 13 months |
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Rate History: 4.30% → 3.60% → 3.60% → 4.10% → 4.30% |
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4.25%
3.75% 3.50% 3.00% 2.80% 2.70% 2.50% 3.75%3.50% 3.00% 2.80% 2.70% 2.50% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
13 months |
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Rate History: 2.00% → 2.00% → 2.00% → 3.50% → 4.25% |
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4.25% | $10,000 | 15 months |
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Rate History: 3.50% → 4.00% → 3.50% → 4.00% → 4.25% |
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4.25% | $1,000 | 22 months |
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Rate History: 4.00% → 3.80% → 3.55% → 4.10% → 4.25% |
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Vio Bank, A Division of MidFirst Bank |
4.20% | $500 | 9 months |
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Rate History: 4.05% → 4.20% |
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Rockville Branch
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4.10% | $1,000 | 7 months |
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Rate History: 1.00% → 4.00% → 4.10% |
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4.03% | $500 | 7 months |
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Rate History: 3.30% → 4.03% |
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4.00% | $10,000 | 4 months |
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First-Citizens Bank & Trust Company Annapolis Bestgate Office Branch |
4.00% | $5,000 | 5 months |
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Rate History: 3.65% → 3.55% → 3.45% → 2.50% → 4.00% |
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OneWest Bank, a division of First-Citizens Bank and Trust |
4.00% | $5,000 | 5 months |
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0574 Frederick Maryland Walmart Bran Branch
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4.00% | $500 | 8 months |
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Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00% |
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4.00% | $5,000 | 8 months |
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Rate History: 4.00% → 4.00% → 3.75% → 3.75% → 4.00% |
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4.00%
3.80% 3.75% 3.80%3.75% |
$500
$500 $500 |
11 months |
Learn More
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Rate History: 3.90% → 4.05% → 3.95% → 3.80% → 4.00% |
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4.00% | $2,500 | 11 months |
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Rate History: 3.75% → 3.60% → 3.55% → 3.75% → 4.00% |
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Waverly Park Branch
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4.00% | $500 | 12 months |
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Rate History: 3.65% → 3.60% → 3.45% → 3.75% → 4.00% |
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Brilliant Bank, a division of Equity Bank |
4.00% | $1,000 | 15 months |
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% → 4.00% |
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3.95% | $5,000 | 11 months |
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11-Month No Penalty CD |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.90% | $1,000 | 11 months |
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Account cannot be closed online. Requires reaching phone representative to close. |
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North American Savings Bank, F.S.B. |
3.90% | $1,000 | 14 months |
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Rate History: 4.81% → 3.98% → 3.90% |
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Vio Bank, A Division of MidFirst Bank |
3.80% | $500 | 4 months |
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Rate History: 3.90% → 3.80% |
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Bank of America, National Association Beards Hill Plaza Branch |
3.80%
3.51% 3.51% |
$100,000
$10,000 |
7 months |
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Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80% |
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Chevy Chase Branch
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3.75% | $500 | 5 months |
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Rate History: 5.00% → 4.75% → 4.25% → 4.00% → 3.75% |
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3.75% | $2,500 | 5 months |
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Rate History: 4.00% → 3.75% → 3.50% → 3.25% → 3.75% |
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Waverly Park Branch
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3.75% | $500 | 6 months |
Learn More
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Rate History: 3.75% → 3.65% → 3.50% → 3.60% → 3.75% |
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3.75% | $2,500 | 6 months |
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Rate History: 5.15% → 4.00% → 3.85% → 4.25% → 3.75% |
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3.75% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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Citizens Bank, National Association |
3.75% | $25,000 | 8 months |
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Rate History: 4.15% → 3.65% → 4.00% → 3.75% |
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OneWest Bank, a division of First-Citizens Bank and Trust |
3.75% | $5,000 | 11 months |
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First-Citizens Bank & Trust Company Annapolis Bestgate Office Branch |
3.75% | $5,000 | 11 months |
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3.75% | $1,000 | 13 months |
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Rate History: 3.30% → 2.65% → 2.95% → 3.30% → 3.75% |
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Wells Fargo Bank, National Association St Thomas Shopping Center Branch |
3.74% | $2,500 | 7 months |
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Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74% |
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3.65% | $1,000 | 25 months |
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Rate History: 3.55% → 3.50% → 3.40% → 3.55% → 3.65% |
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Wells Fargo Bank, National Association St Thomas Shopping Center Branch |
3.64% | $2,500 | 15 months |
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Rate History: 3.74% → 3.64% |
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South Salisbury Branch
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3.60% | $1,000 | 3 months |
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Rate History: 1.00% → 5.00% → 3.80% → 3.60% |
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3.60% | $1,000 | 7 months |
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Rate History: 3.80% → 3.70% → 4.00% → 4.10% → 3.60% |
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Wells Fargo Bank, National Association St Thomas Shopping Center Branch |
3.59% | $2,500 | 11 months |
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Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59% |
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South Salisbury Branch
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3.50% | $1,000 | 6 months |
Learn More
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Rate History: 1.00% → 5.00% → 4.50% → 3.50% |
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Rockville Branch
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3.50% | $1,000 | 9 months |
Learn More
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Rate History: 1.00% → 3.50% |
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Chevy Chase Branch
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3.50% | $500 | 11 months |
Learn More
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Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 3.50% |
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3.50% | $50,000 | 12 months |
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0574 Frederick Maryland Walmart Bran Branch
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3.50% | $500 | 13 months |
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Rate History: 4.00% → 3.75% → 3.50% → 2.50% → 3.50% |
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PNC Bank, National Association Pnc Bank, National Association Branch |
3.50% | $1,000 | 13 months |
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3.50% | $10,000 | 24 months |
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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3.40% | $1,000 | 7 months |
Learn More
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Rate History: 4.03% → 3.85% → 3.51% → 3.30% → 3.40% |
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Waverly Park Branch
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3.40% | $500 | 10 months |
Learn More
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Rate History: 3.94% → 3.75% → 3.65% → 3.50% → 3.40% |
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South Salisbury Branch
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3.40% | $1,000 | 13 months |
Learn More
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Rate History: 5.00% → 4.75% → 3.75% → 3.50% → 3.40% |
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3.35%
3.25% 3.15% 3.10% 3.00% 3.25%3.15% 3.10% 3.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 |
59 months |
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Rate History: 2.50% → 2.50% → 2.75% → 3.00% → 3.35% |
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U.S. Bank National Association |
3.25% | $1,000 | 7 months |
Learn More
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Rate History: 4.00% → 3.50% → 2.85% → 3.50% → 3.25% |
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Clinton Branch
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3.25% | $10,000 | 12 months |
Learn More
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Rate History: 4.00% → 3.75% → 3.51% → 3.00% → 3.25% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.25% | $1,000 | 13 months |
Learn More
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Rate History: 3.50% → 3.35% → 3.25% |
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Chevy Chase Branch
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3.25% | $500 | 20 months |
Learn More
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Rate History: 1.00% → 3.75% → 3.50% → 3.25% |
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3.20% | $500 | 17 months |
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Early withdrawal penalty is 180 days interest. |
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Citibank, National Association Potomac Promenade Branch |
3.00% | $0 | 5 months |
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Rate History: 2.90% → 2.00% → 4.00% → 3.50% → 3.00% |
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3.00% | $2,500 | 11 months |
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Rate History: 3.25% → 3.00% → 2.75% → 2.50% → 3.00% |
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U.S. Bank National Association |
3.00% | $1,000 | 13 months |
Learn More
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Rate History: 3.20% → 3.67% → 2.75% → 1.71% → 3.00% |
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3.00% | $10,000 | 23 months |
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Rate History: 3.75% → 3.00% → 2.75% → 2.50% → 3.00% |
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Bank of America, National Association Beards Hill Plaza Branch |
2.95% | $10,000 | 10 months |
Learn More
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Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95% |
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2.90% | $0 | 11 months |
Learn More
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Rate History: 2.80% → 2.70% → 2.70% → 2.80% → 2.90% |
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Citibank, National Association Potomac Promenade Branch |
2.75% | $0 | 6 months |
Learn More
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Rate History: 3.50% → 4.00% → 2.00% → 2.50% → 2.75% |
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Wilmington Savings Fund Society, FSB |
2.75% | $2,500 | 11 months |
Learn More
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Rate History: 4.50% → 2.25% → 3.25% → 3.00% → 2.75% |
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Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
Learn More
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Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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2.75% | $500 | 23 months |
Learn More
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Early withdrawal penalty is 180 days interest. |
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PNC Bank, National Association Pnc Bank, National Association Branch |
2.60% | $1,000 | 61 months |
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U.S. Bank National Association |
2.50% | $1,000 | 25 months |
Learn More
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Rate History: 3.75% → 3.10% → 2.85% → 3.00% → 2.50% |
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PNC Bank, National Association Pnc Bank, National Association Branch |
2.40% | $1,000 | 37 months |
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JPMorgan Chase Bank, National Association |
2.25% | $100,000 | 6 months |
Learn More
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Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25% |
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2.25% | $2,500 | 23 months |
Learn More
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Rate History: 2.85% → 3.25% → 2.80% → 2.50% → 2.25% |
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PNC Bank, National Association Pnc Bank, National Association Branch |
2.20% | $1,000 | 25 months |
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PNC Bank, National Association Pnc Bank, National Association Branch |
2.10% | $1,000 | 19 months |
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Citibank, National Association Potomac Promenade Branch |
2.00% | $0 | 4 months |
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Rate History: 3.75% → 2.25% → 3.00% → 2.00% |
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2.00% | $1,000 | 6 months |
Learn More
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Rate History: 4.55% → 3.45% → 2.50% → 2.25% → 2.00% |
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Clinton Branch
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2.00% | $10,001 | 6 months |
Learn More
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Rate History: 2.75% → 3.51% → 3.45% → 3.51% → 2.00% |
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Bank of America, National Association Beards Hill Plaza Branch |
2.00% | $10,000 | 13 months |
Learn More
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Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00% |
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2.00% | $2,500 | 35 months |
Learn More
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Rate History: 2.85% → 2.80% → 2.75% → 2.25% → 2.00% |
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PNC Bank, National Association Pnc Bank, National Association Branch |
1.90% | $1,000 | 9 months |
Learn More
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Rate History: 0.05% → 1.90% |
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Bank of America, National Association Beards Hill Plaza Branch |
1.75% | $10,000 | 25 months |
Learn More
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The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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1.75% | $2,500 | 59 months |
Learn More
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Rate History: 2.75% → 2.65% → 2.70% → 2.00% → 1.75% |
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Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
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Rate History: 1.85% → 1.70% |
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1.70% | $1,000 | 15 months |
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Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
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Rate History: 1.00% → 0.50% |
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Citibank, National Association Potomac Promenade Branch |
0.05% | $0 | 3 months |
Learn More
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Rate History: 3.00% → 2.25% → 2.25% → 2.00% → 0.05% |
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0.05% | $1,000 | 9 months |
Learn More
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Rate History: 0.05% → 0.05% → 0.05% |
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