4 Year CD Rates in Maryland
Compare 4 year certificate of deposit rates in Maryland. Rates on CD products can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of four year CD rates available in Maryland. If we have missed a local bank in your area please contact us and let us know by using the email link below
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Start SavingAlly Bank Raise Your Rate 4-Year CDAPY 1.45% Min N/A Max N/A Earnings Est. $1,482
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 48 Month CDAPY 1.00% Min N/A Max N/A Earnings Est. $1,018
Sponsored Note: 
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 48 Month CDAPY 1.00% Min N/A Max N/A Earnings Est. $1,018Sponsored Note: 
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Christian Community Credit Union | 2.25% | $1k | $250k | $2,334 | 48 - 59 Month Kingdom Builder Certificates - New Money Only | |
| Melrose Credit Union | 1.96% | $5k | - | $2,018 | 4 Year Share Certificate | |
| Department Of Commerce Credit Union | 1.90% | - | - | $1,960 | 48 Month CD | |
| Wings Financial Credit Union | 1.87% | $500 | - | $1,923 | 4 Year Dividend Paid Monthly Share Certificate | |
| American Airlines Credit Union | 1.81% | $10k | - | $1,860 | 48 Month CD | |
| Alliant Credit Union | 1.80% | $1k | - | $1,854 | 48 - 59 Month Share CD | |
| MECU | 1.80% | $500 | - | $1,854 | 48 Month CD | |
| Hanscom Credit Union | 1.80% | $1k | - | $1,854 | 48 Month CD Special | |
| Self-Help Credit Union | 1.77% | $500 | - | $1,823 | 48 Month CD | |
| Allegany Co Teachers Credit Union | 1.76% | $500 | - | $1,807 | 48 Month Share Certificate | |
| Bay National Bank | 1.76% | $1k | - | $1,812 | 48 Month CD | |
| Lafayette Credit Union | 1.76% | $500 | - | $1,807 | 4 Year Fixed CD | |
| Baltimore County Savings Bank | 1.76% | $1k | - | $1,929 | CD Special 51 Month One-time Rate Bump with Checking | |
| Justice Federal Credit Union | 1.75%* | $500 | - | $1,796 | 48 Month CD | |
| Pentagon Federal Credit Union | 1.74% | $1k | - | $1,786 | 4 Year Money Market Cerificate | |
| Andrews Federal Credit Union | 1.71% | $1k | - | $1,754 | 48 Month CD | |
| Midstate Federal Savings and Loan Association | 1.70% | $1k | - | $1,749 | 48 Month Double Bump-up CD | |
| Taylor Model Basin Credit Union | 1.70% | $1k | - | $1,749 | 48 Month CD | |
| United States Senate Credit Union | 1.70%* | $20k | $100k | $1,749 | 48 Month Smart CD | |
| Northwest Federal Credit Union | 1.66%* | $25k | - | $1,702 | 4 Year CD | |
| Cedar Point Credit Union | 1.66% | $1k | - | $1,702 | 48 Month CD | |
| Freedom Of Maryland Credit Union | 1.65% | $10k | - | $1,696 | 48 Month Rewards Checking Only CD Special | |
| State Employees Cu Of Maryland, Inc | 1.65% | $500 | - | $1,691 | 4 Year CD | |
| Fort Knox Federal Credit Union | 1.60% | $500 | - | $1,643 | 48 Month CD | |
| Digital Credit Union | 1.60% | $25k | - | $1,643 | Jumbo 48 - 59 Month Certificate - Relationship Rate | |
| First Peoples Community Credit Union | 1.60% | $500 | - | $1,643 | 48 Month Share Certificate | |
| RTN Federal Credit Union | 1.60%* | $1k | - | $1,639 | 48 Month CD | |
| Madison Bank of Maryland | 1.60% | $500 | - | $1,643 | 48 Month CD | |
| Aberdeen Proving Ground Credit Union | 1.60% | $100 | - | $1,643 | 48 to 59 Month Gold Member Rewards CD | |
| Barclays | 1.60% | - | - | $1,643 | 48 Month Online CD | |
| Navy Federal Credit Union | 1.60%* | $20k | - | $1,639 | 4 Year CD | |
| Nationwide Bank | 1.55%* | - | - | $1,591 | 48 Month CD | |
| Broadway Federal Bank | 1.51% | $500 | - | $1,549 | 48 Month Manager's Special CD | |
| Baltimore County Employees Credit Union | 1.51% | $500 | - | $1,545 | 4 Year CD | |
| Chessie Credit Union | 1.51% | $500 | - | $1,549 | 48 Month Share Certificate | |
| Signal Financial Credit Union | 1.51% | $500 | - | $1,549 | 48 Month CD | |
| Kopernik Federal Bank | 1.51% | $1k | - | $1,545 | 4 Year CD | |
| The Harbor Bank of Maryland | 1.51% | $100 | - | $1,350 | 42 - 120 Month CD | |
| Agriculture Federal Credit Union | 1.50% | $1k | - | $1,538 | 48 Month Share Certificate | |
| Heritage Bank | 1.50% | $25k | - | $1,538 | 48 Month CD | |
| Hudson City Savings Bank | 1.50%† | $500 | - | $1,534 | 4 Year CD | |
| OneUnited Bank | 1.50% | $1k | - | $1,534 | UNITY Gold 4 Year E-CD | |
| USAA Bank | 1.50% | $1k | $95k | $1,534 | 4 Year CD - Standard | |
| Stillwater National Bank | 1.50%*† | $10k | - | $1,534 | 48 Month CD | |
| Easthampton Savings Bank | 1.50% | $1k | - | $1,534 | 48 Month CD | |
| Mcgraw Hill Credit Union | 1.50% | $10k | - | $1,538 | 48 Month CD | |
| Doral Bank | 1.50% | $1k | - | $1,538 | 48 Month Certificate | |
| Police Credit Union | 1.50% | $1k | - | $1,538 | 48 Month CD | |
| Jarrettsville Federal Savings and Loan Association | 1.50% | $500 | - | $1,538 | 48 Month CD | |
| Treasury Department Credit Union | 1.50% | $500 | - | $1,538 | 48 Month CD | |
| First National Bank (LA) | 1.50% | - | - | $1,534 | 48 Month CD | |
| Virtual Bank | 1.46% | $10k | - | $1,492 | 4 Year eCD | |
| Geauga Savings Bank | 1.45% | $1k | - | $1,486 | 48 Month CD | |
| Intervest National Bank | 1.45% | $2,500 | - | $1,482 | 4 Year CD | |
| Comstar Credit Union | 1.45% | $10k | - | $1,486 | 48-59 Month Bump Up Certificate Special | |
| Ally Bank | 1.45% | - | - | $1,482 | Raise Your Rate 4-Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| Northrop Grumman Federal Credit Union | 1.43% | $2,500 | - | $1,465 | 48 Month Term CD | |
| First New England Federal Credit Union | 1.41% | $1k | - | $1,444 | 48 Month CD - Relationship | |
| 1st Commonwealth Bank of Virginia | 1.40% | $1k | - | $1,434 | 48 Month CD | |
| MetLife Bank | 1.40% | $2k | - | $1,434 | 48 Month CD | |
| Patriot Bank | 1.40% | $1k | - | $1,434 | 48 Month CD | |
| KeySource Commercial Bank | 1.40% | $100 | - | $1,430 | 48 Month CD | |
| American Bank (MD) | 1.40% | $2k | - | $1,430 | 48 Month CD | |
| Homewood Federal Savings Bank | 1.40% | $500 | - | $1,434 | 48 Month CD | |
| Spectrum Credit Union | 1.40% | $500 | - | $1,430 | 4 Year CD | |
| Independence FSB | 1.36% | $1k | - | $1,392 | 48 Month CD | |
| First Eagle Credit Union | 1.36% | $500 | - | $1,388 | 4 Year Share Certificate | |
| Air Academy Federal Credit Union | 1.35% | $10k | - | $1,381 | 48 Month CD | |
| University Federal Credit Union | 1.35% | - | - | $1,381 | 48 Month Web CD | |
| First Internet Bank of IN | 1.35% | $1k | - | $1,381 | 48 Month CD | |
| H&R Block Bank | 1.35% | $250 | - | $1,381 | 48 Month CD | |
| OneWest Bank | 1.35% | $1k | - | $1,378 | 4 Year Online CD | |
| Bay-Vanguard Federal Savings Bank | 1.35% | $1k | - | $1,234 | 43 - 59 Month CD | |
| Fedchoice Credit Union | 1.35% | $500 | $50k | $1,381 | 48 Month Share Certificate | |
| Hamilton Federal Bank | 1.35% | $500 | - | $1,381 | 48 Month CD | |
| First Savings Bank Northwest | 1.33% | $25k | - | $1,361 | 48 Month CD | |
| Garden Savings Federal Credit Union | 1.31% | $500 | - | $1,336 | 4 Year Share Certificate | |
| Vigilant Federal Savings Bank | 1.31% | $500 | - | $1,336 | 4 Year CD | |
| American Bank | 1.30% | $500 | - | $1,329 | 48 Month CD | |
| Eastern Savings Bank | 1.30% | $1k | - | $1,329 | 48 Month Certificate | |
| FNBO Direct | 1.30% | $500 | $1m | $1,329 | 48 Month CD | |
| Salem Five | 1.30% | $500 | - | $1,159 | 42 - 59 Month CD | |
| Lockheed Federal Credit Union | 1.30% | $1k | - | $1,329 | 48 Month CD | |
| Lake Michigan Credit Union | 1.30% | $500 | - | $1,326 | 48 Month VIP CD | |
| Arundel Federal Savings Bank | 1.30% | $10k | - | $1,329 | 48 Month CD | |
| Quantum National Bank | 1.30% | $1k | - | $1,329 | 48 Month Relationship CD | |
| Third Federal | 1.30%† | $500 | - | $1,329 | 48 Month CD | |
| The Patapsco Bank | 1.30% | $500 | - | $1,329 | 48 Month CD With Interest Checking | |
| Urban Trust Bank | 1.30% | $500 | $100k | $1,329 | 48 Month CD | |
| Provident State Bank, Inc. | 1.27% | $1k | - | $1,132 | 42 Month Bump-Up CD | |
| Bank of Internet USA | 1.26% | $1k | - | $1,288 | 48 Month CD | |
| John Marshall Bank | 1.26% | $500 | - | $1,284 | 4 Year CD | |
| N R L Credit Union | 1.26% | $500 | - | $1,288 | 48 Month Loyalty Reward Share Certificate | |
| The Queenstown Bank of Maryland | 1.26% | $500 | - | $1,284 | 4 Year RAD (Rate Adjustable Deposit) CD - 1 Bump | |
| Thiokol Elkton Credit Union | 1.26% | $500 | - | $1,288 | 48 Month CD | |
| Liberty Federal Savings and Loan Association | 1.26% | $500 | - | $1,288 | 48 Month CD | |
| S-Bank | 1.25% | $1k | - | $1,274 | 48 Month Statement Term Certificates | |
| 1st Mariner Bank | 1.25% | - | - | $1,274 | 4 Year Fixed Rate CD | |
| Market USA Federal Credit Union | 1.25%† | $500 | - | $1,274 | 48 Month Preferred CD | |
| NASA Federal Credit Union | 1.25% | $1k | - | $1,277 | Business 48 Month CD | |
| Harford Bank | 1.25% | $1k | - | $1,277 | 48 Month Step-up CD | |
| Anne Arundel Co Employees Credit Union | 1.25% | $500 | - | $1,274 | 48 Month Preferred CD | |
| Fraternity Federal Savings and Loan Association | 1.25% | $100 | - | $1,274 | 4 Year Variable CD | |
| NOVA Bank | 1.25% | $500 | - | $1,277 | 48 Month CD | |
| Saint Casimir's Savings Bank | 1.25% | $1k | - | $1,277 | 48 Month CD | |
| North American Savings Bank | 1.25% | $10k | - | $1,274 | 48 - 59 Month CD with Checking | |
| First Security Bank & Trust | 1.23% | $10k | - | $1,256 | 48 - 59 Month CD | |
| EverBank | 1.21% | $1,500 | - | $1,232 | 4 Year Yield Pledge CD | |
| Patelco Credit Union | 1.21% | $1k | - | $1,232 | 48 - 59 Month CD | |
| Velocity Credit Union | 1.21% | $1k | - | $1,232 | 4 Year Inflation Fighter Share Certificate | |
| Severn Savings Bank, FSB | 1.21% | $1k | - | $1,232 | 48 Months CD | |
| Asia Bank, National Association | 1.21% | $1k | - | $1,232 | 4 Year CD - New York Branches | |
| Slavie Federal Savings Bank | 1.21% | $500 | - | $1,236 | 48 Month Bump Up+ CD | |
| Apple Federal Credit Union | 1.20% | $500 | - | $1,225 | 48 Month Share Certificate | |
| Community Bank of Raymore | 1.20% | $500 | - | $1,222 | 4 Year Emerald Club CD | |
| Dime Savings Bank | 1.20% | $500 | - | $1,222 | 4 Year CD | |
| E-LOAN.com | 1.20% | $10k | - | $1,222 | 4 Year CD | |
| Newtown Savings Bank | 1.20% | - | - | $1,222 | 4 Year CD | |
| NBRS Financial Bank | 1.20% | $500 | - | $1,225 | 48 Month CD | |
| 5Star Bank | 1.20% | $1k | - | $1,222 | 4 Year CD | |
| Colombo Bank | 1.20% | $1k | - | $1,225 | 48 Month CD | |
| Har Co Maryland Credit Union | 1.20%* | $500 | - | $1,225 | 48 Month CD | |
| Madison Square Federal Savings Bank | 1.20% | $500 | - | $1,225 | 48 Month CD | |
| Monument Bank | 1.20% | $1k | - | $1,225 | 48 Month CD | |
| Realtors Credit Union | 1.20% | $10k | $99k | $1,225 | 48-Month Certificate | |
| WashingtonFirst Bank | 1.20% | $1k | - | $1,225 | 48 Month CD | |
| Beacon Federal Bank | 1.19% | $2,500 | - | $1,215 | 48 Month CD | |
| Bank of Blue Valley | 1.15% | - | - | $1,173 | 48 - 59 Months CD | |
| UnivestDirect | 1.15% | $500 | - | $1,173 | 48 Month CD | |
| INOVA Federal Credit Union | 1.15% | $200 | - | $1,170 | 4 Year CD | |
| Fulton Bank, National Association | 1.15%† | $500 | - | $1,173 | 48 Month Relationship CD | |
| BankAnnapolis | 1.15% | $10k | - | $1,173 | 48–60 Month Premium CD | |
| EagleBank | 1.15% | $1k | - | $1,173 | 48-59 Month CD | |
| Jefferson Security Bank | 1.15% | $500 | - | $1,173 | 48 Month CD | |
| The Bank of Delmarva | 1.15% | $500 | - | $1,173 | 48 Month CD | |
| West Texas National Bank | 1.11% | $1k | - | $1,129 | 4 Year CD | |
| Bank of Ocean City | 1.11% | $1k | - | $1,129 | 4 Year CD | |
| Fedfinancial Credit Union | 1.11% | $1k | - | $1,132 | 48 Month Share Certificate | |
| Old Line Bank | 1.10% | $500 | - | $1,118 | 4 Year CD | |
| Rosedale Federal Savings and Loan Association | 1.10% | $500 | - | $1,121 | 48 Month CD with "step-up" option | |
| The Washington Savings Bank, FSB | 1.10% | $10k | - | $1,121 | Business 48 Month Quarterly Compounding CD | |
| Greenbelt Credit Union | 1.10% | $1k | - | $1,118 | 4 Year Share Certificate | |
| First Shore Federal Savings and Loan Association | 1.09% | $500 | - | $1,111 | 48-59 Month CD | |
| Principal Bank | 1.06% | $5k | - | $1,080 | 48 Month CD | |
| Southeast Financial Federal Credit Union | 1.05% | $500 | - | $1,067 | 4 Year CD | |
| North Country Savings Bank | 1.05% | $500 | - | $1,067 | 4 Year CD | |
| Pacific Resource Credit Union | 1.05% | $1k | - | $1,067 | 48 Month CD | |
| Cardinal Bank | 1.05% | $1k | - | $1,067 | 4 Year CD | |
| CNB Bank, Inc. | 1.05% | $1k | - | $1,070 | 48 Month Double Opportunity CD | |
| Chesapeake Bank of Maryland | 1.05% | $1k | - | $1,070 | 48 Month CD | |
| Tower Credit Union | 1.05% | $20k | - | $1,067 | 4 Year Mini-Jumbo Share Certificate | |
| Urban Partnership Bank | 1.05% | $1k | $1m | $933 | 42 Month CD | |
| Union Bank of California | 1.01%† | $350 | $100k | $941 | 48 - 59 Month CD | |
| Standard Bank, PaSB | 1.01%† | $1k | - | $1,028 | 48 Month Gold CD | |
| American Express Bank, FSB | 1.00% | - | - | $1,018 | 48 Month CD | |
| First Trade Union Savings | 1.00% | $500 | - | $1,015 | 4 Year CD | |
| Provident Credit Union (CA) | 1.00% | $1k | - | $1,015 | 48 Month CD | |
| South Division Credit Union | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| Community Bank of Tri-County | 1.00% | $500 | - | $1,018 | 48 Month CD | |
| Webster Bank | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| E-Central Credit Union | 1.00% | $1k | - | $1,015 | 48 - 59 Month CD | |
| Damascus Community Bank | 1.00% | - | - | $1,018 | 48 Month CD | |
| Capital Bank, National Association | 1.00% | $500 | - | $1,018 | 48 Month CD | |
| Regal Bank & Trust | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| Patriot Credit Union | 1.00% | $10k | - | $1,015 | 48 Month Money Management Step Up CD | |
| Thrivent Financial Bank | 1.00% | $1k | - | $1,018 | 48 Month Standard CD | |
| TD Bank, National Association | 1.00%† | $250 | - | $1,015 | 4 Year Basic CD | |
| Cattaraugus County Bank | 0.99% | $1k | - | $1,008 | 48 Month CD | |
| Money One Federal Credit Union | 0.99%* | $10k | - | $1,005 | 4 Year Share Savings Certificate | |
| NewDominion Bank | 0.95% | $1k | - | $964 | 48 Month Fixed Rate CD | |
| Consumers Credit Union (IL) | 0.95% | $250 | - | $964 | 4 Year CD | |
| Advance Bank | 0.95% | $1k | - | $964 | 48 Month CD | |
| Apl Credit Union | 0.92% | $1k | - | $933 | 48 Month Share Certificate | |
| Acacia Federal Savings Bank | 0.90% | $500 | - | $915 | 48 Month CD | |
| iGObanking | 0.90% | $1k | - | $915 | 48 Month iGOCD | |
| Sandy Spring Bank | 0.90% | $1k | - | $915 | 48 - 59 Month Business CD | |
| The Bank of Glen Burnie | 0.90% | $500 | - | $915 | 48 Month CD | |
| State Farm Bank | 0.87%*† | - | - | $884 | 48 Month CD | |
| Zions Bank | 0.85% | $1k | - | $861 | 4 Year Gold CD | |
| KeyBank | 0.85%† | $25k | $100k | $861 | 48 Month Tiered CD - Relationship | |
| T. Rowe Price Savings Bank | 0.85% | $25k | - | $863 | 48 Month SMART LADDER Classic CD | |
| Flagstar Direct | 0.85% | $500 | - | $863 | 48 Month Internet CD | |
| Charles Schwab Bank | 0.81% | $1k | - | $822 | 48 Month CD | |
| 1st Source Bank | 0.80% | $500 | - | $810 | 4 Year CD | |
| ING DIRECT | 0.80% | - | - | $812 | 48 Month Orange CD | |
| Northwest Savings Bank | 0.80%† | $500 | - | $812 | 48 - 59 Month CD | |
| HSBC Advance | 0.80% | - | - | $812 | 48 Month Online CD | |
| Randolph Bank & Trust Company | 0.80%* | $10k | - | $810 | 48 Month Fixed Rate CD | |
| Susquehanna Bank | 0.80%* | $500 | - | $810 | 48 - 59 Month Fixed Rate CD | |
| Clear Mountain Bank | 0.80% | $500 | - | $812 | 48 Month CD | |
| Hebron Savings Bank | 0.80% | $500 | - | $812 | 48 Month Certificate | |
| Mid-Atlantic Credit Union | 0.80% | $20k | - | $810 | 4 Year Regular Share CD | |
| OBA Federal Savings Bank | 0.80% | $10k | - | $812 | 48 Month CD | |
| Carroll Community Bank | 0.80% | $500 | - | $812 | 48 Month CD | |
| The Peoples Bank (MD) | 0.80% | $5k | - | $812 | 48-59 Month CD | |
| US Bank N.A. | 0.80% | $500 | $250k | $812 | 48 Month CD | |
| Capital One Direct Banking | 0.80% | $5k | $100k | $810 | 4 Year Costco Members CD | |
| HSBC Bank USA, National Association | 0.80% | $1k | - | $812 | 48 Month Online CD | |
| ViewPoint Bank | 0.75% | $1k | - | $761 | 48 Month Regular CD | |
| Citibank | 0.75%† | $1k | - | $758 | 4 Year CD | |
| Flagstar Bank | 0.75%† | $500 | - | $761 | 48 - 59 Month CD | |
| Easton Bank and Trust | 0.75% | $500 | - | $761 | 48 Month CD | |
| Partners 1St Credit Union | 0.75% | $500 | - | $761 | 48 Month CD | |
| Woodforest National Bank | 0.75% | $500 | - | $758 | 4 Year CD | |
| Airbanking | 0.75% | $500 | - | $758 | 4 Year CD | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $707 | 4 Year CD | |
| First National Community Bank (PA) | 0.70% | $1k | - | $707 | 4 Year CD | |
| Carrollton Bank (MD) | 0.70% | $5k | - | $709 | 48 Month Premier Income CDs | |
| Wells Fargo Bank | 0.65%† | - | - | $656 | Business 48 - 59 Month CD | |
| Frederick County Bank | 0.65% | $1k | - | $658 | 48 Month CD | |
| Capital One, National Association | 0.65% | $1k | - | $656 | 4 Year CD | |
| Comerica Bank | 0.60%† | $1k | - | $605 | 4 Year CD | |
| The Columbia Bank | 0.60% | $500 | - | $605 | 4 Year CD | |
| National Bank of Kansas City | 0.55% | $5k | - | $556 | 48 - 59 Month CD | |
| Educational Systems Credit Union | 0.55% | $500 | - | $556 | 48 Month Share Certificate | |
| Montgomery County Teachers Credit Union | 0.55% | $1k | - | $556 | 48 Month CD | |
| 20Th Century Fox Credit Union | 0.50% | $2,500 | - | $504 | 4 Year Certificate | |
| Regions Bank | 0.50%† | $500 | - | $505 | 48 - 53 Month Relationship CD | |
| Aurora Bank FSB | 0.35% | $1k | - | $352 | 48 Month CD | |
| New Windsor State Bank | 0.30% | $500 | - | $302 | 48 Month CD | |
| BankDirect | 0.25% | $10k | - | $252 | 48 Month CD | |
| Guardian Credit Union | 0.20% | $500 | - | $201 | 48 Month Share Certificate | |
| Energy Credit Union | 0.01% | $500 | - | $10.03 | 48 Month Term Share Certificate | |
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Average 4 Year CD Rate Trend
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