Best Special Rates and Terms in Ocean City, Maryland, MD

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Below are special Certificate of Deposit special rates and terms from banks in Ocean City, 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.

Ocean City, MD - November 3, 2026

What is the best special CD rate in Ocean City, MD?

As of November 3, 2026, the highest special CD rate from a bank in Ocean City, MD is 3.80% APY from Bank of America, National Association (minimum deposit $100,000). The best rate with a $1,000 minimum or less is 3.60% APY from Atlantic Union Bank (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
Bank of America, National Association Ocean City South Branch	3.80% 3.51% 3.51%	$100,000 $10,000	7 months	Learn More Reviews (7)
Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80%
Atlantic Union Bank West Ocean City Branch	3.60%	$1,000	3 months	Learn More Reviews (2)
Rate History: 1.00% → 5.00% → 3.80% → 3.60%
Atlantic Union Bank West Ocean City Branch	3.50%	$1,000	6 months	Learn More Reviews (2)
Rate History: 1.00% → 5.00% → 4.50% → 3.50%
PNC Bank, National Association Snow Hill Branch	3.50%	$1,000	13 months	Learn More Reviews (1)
Atlantic Union Bank West Ocean City Branch	3.40%	$1,000	13 months	Learn More Reviews (2)
Rate History: 5.00% → 4.75% → 3.75% → 3.50% → 3.40%
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
Bank of America, National Association Ocean City South Branch	2.95%	$10,000	10 months	Learn More Reviews (7)
Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95%
PNC Bank, National Association Snow Hill Branch	2.60%	$1,000	61 months	Learn More Reviews (1)
PNC Bank, National Association Snow Hill Branch	2.40%	$1,000	37 months	Learn More Reviews (1)
PNC Bank, National Association Snow Hill Branch	2.20%	$1,000	25 months	Learn More Reviews (1)
PNC Bank, National Association Snow Hill Branch	2.10%	$1,000	19 months	Learn More Reviews (1)
Bank of America, National Association Ocean City South Branch	2.00%	$10,000	13 months	Learn More Reviews (7)
Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00%
PNC Bank, National Association Snow Hill Branch	1.90%	$1,000	9 months	Learn More Reviews (1)
Rate History: 0.05% → 1.90%
Bank of America, National Association Ocean City South Branch	1.75%	$10,000	25 months	Learn More Reviews (7)
The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. Rate History: 3.20% → 3.00% → 2.00% → 1.75% → 1.75%

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Ocean City, MD - November 3, 2026

Branch	Street	City	State
Bank of America, National Association Ocean City South Branch	4401 Coastal Highway	Ocean City	MD
Atlantic Union Bank West Ocean City Branch	9748 Stephen Decatur Highway Unit 112	Ocean City	MD
Bank of America, National Association Ocean City South Branch	4401 Coastal Highway	Ocean City	MD
Atlantic Union Bank West Ocean City Branch	9748 Stephen Decatur Highway Unit 112	Ocean City	MD
PNC Bank, National Association Snow Hill Branch	309 North Washington Street	Snow Hill	MD
Atlantic Union Bank West Ocean City Branch	9748 Stephen Decatur Highway Unit 112	Ocean City	MD
Bank of America, National Association Ocean City South Branch	4401 Coastal Highway	Ocean City	MD
PNC Bank, National Association Snow Hill Branch	309 North Washington Street	Snow Hill	MD
PNC Bank, National Association Snow Hill Branch	309 North Washington Street	Snow Hill	MD
PNC Bank, National Association Snow Hill Branch	309 North Washington Street	Snow Hill	MD
PNC Bank, National Association Snow Hill Branch	309 North Washington Street	Snow Hill	MD
Bank of America, National Association Ocean City South Branch	4401 Coastal Highway	Ocean City	MD
PNC Bank, National Association Snow Hill Branch	309 North Washington Street	Snow Hill	MD
Bank of America, National Association Ocean City South Branch	4401 Coastal Highway	Ocean City	MD