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Cecil Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.cecilbank.com
410-398-1650
127 North Street
Elkton, MD 21921

Cecil Bank is headquartered in ELKTON and is the 25th largest bank in the state of Maryland. It is also the 2,888th largest bank in the nation. It was established in 1959 and as of March of 2025, it had grown to 32 employees at 4 locations. Cecil Bank's CD rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #31121
Year Established1959
Employees32
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD3.29%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$225.8MM$235.9MM
LoansQ1 2025vs Q1 2024$164.1MM$178.6MM
DepositsQ1 2025vs Q1 2024$193.2MM$199.5MM
Equity CapitalQ1 2025vs Q1 2024$28.7MM$27.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.8MM$1.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.7MM$2.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cecil Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$10-Statement Savings
0.15%$10-Holiday Savings Account

Cecil Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$25k*-Money Market
OTHER TIERS: 0.10% → $10 - $2.5k | 0.25% → $2.5k - $25k

Cecil Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$2.5k*-Premium High Yield Checking
OTHER TIERS: 0.10% → $10 - $2.5k
0.15%*$500*-NOW High Yield Checking
OTHER TIERS: 0.05% → $10 - $500
0.15%$10-Silver & Gold Checking
0.05%$10-NOW Checking

Cecil Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.05%$500-6 Month CD Special
3.90%$500-12 Month CD Special
0.50%$500-5 Year CD
0.45%$500-4 Year CD
0.40%$500-3 Year CD
0.35%$500-2 Year CD
0.30%$500-1 Year CD
0.30%$500-1 1/2 Year CD
0.30%$2k-12 Month Convenient Access CD
0.30%$500-13 Month CD
0.30%$10k-14 Month CD
0.25%$500-91 Day CD
0.25%$500-6 Month CD
0.25%$500-9 Month CD

Cecil Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$100-12 Month IRA Special
0.50%$100-60 Month IRA
0.30%$100-18 Month IRA
0.30%$100-12 Month IRA
Locations


Cecil Bank Locations
108 North East Plaza Branch108 North East PlazaNorth East, MD 21901
Cecil Bank127 North StElkton, MD 21921
Fair Hill Branch4434 Telegraph RoadElkton, MD 21921
Rising Sun Towne Centre Branch56 Rising Sun Towne CentreRising Sun, MD 21911

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