Cecil Bank

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

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

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

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 25^th largest bank in the state of Maryland. It is also the 2,888^th 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

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	31121
Year Established	1959
Employees	32
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	3.29%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$225.8MM$235.9MM
Loans	Q1 2025vs Q1 2024	$164.1MM$178.6MM
Deposits	Q1 2025vs Q1 2024	$193.2MM$199.5MM
Equity Capital	Q1 2025vs Q1 2024	$28.7MM$27.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.8MM$1.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.7MM$2.5MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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

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

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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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$10	-	Statement Savings
0.15%	$10	-	Holiday Savings Account

Cecil Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$25k^*	-	Money Market
OTHER TIERS: 0.10% → $10 - $2.5k \| 0.25% → $2.5k - $25k

Cecil Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	108 North East Plaza	North East, MD 21901
Cecil Bank	127 North St	Elkton, MD 21921
Fair Hill Branch	4434 Telegraph Road	Elkton, MD 21921
Rising Sun Towne Centre Branch	56 Rising Sun Towne Centre	Rising Sun, MD 21911

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