Certificates & IRAs
In This Section
Plan confidently. Grow securely.
Certificates and IRAs are about more than saving—they’re about setting up your future with clarity and confidence. At Arundel Bank, you get competitive rates, straightforward terms, and real human support whenever you have questions. We make it easy to choose the right path, adjust as your needs change, and stay on track toward the future you’re planning.
Certificates and Retirement
Select a term that works for you and start saving for a set period of time.
Features
- Competitive interest rates based on opening deposit and term
- Interest is compounded daily & credited monthly
- Terms from 6 to 84 months
- Penalty for early withdrawal
Current Rates
Effective Date: Friday, June 12, 2026
Account Type | Annual Percentage Yield (APY) | Minimum Balance To Earn APY/Open | Actions |
|---|---|---|---|
| 6 Month | 3.65 | $1,000.00 | Open an Account |
| 9 Month * | 3.60 | $1,000.00 | Open an Account |
| 12 Month | 3.50 | $1,000.00 | Open an Account |
| 13 Month * | 2.00 | $500.00 | Open an Account |
| 18 Month | 3.30 | $1,000.00 | Open an Account |
| 24 Month | 3.00 | $1,000.00 | Open an Account |
| 36 Month^^ | 2.50 | $5,000.00 | Open an Account |
| 48 Month | 2.50 | $1,000.00 | Open an Account |
| 48 Month | 2.75 | $25,000.00 | Open an Account |
| 60 Month | 2.50 | $1,000.00 | Open an Account |
| 60 Month | 2.75 | $25,000.00 | Open an Account |
| 84 Month | 2.75 | $10,000.00 | Open an Account |
^ Denotes variable rate account. The interest rate may change after the account is opened.
^^ denotes bump up CD-one rate adjustment per term
* certain limitations apply
# minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features
° Interest is paid on the full balance in the account based on the applicable tier.
Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.
The Wealth Builder IRA^*°
Select a tier that works for you and start saving for your retirement adventures.
Features
- Must have a checking or savings account with Arundel Bank to open a Wealth Builder IRA
- $50 minimum opening deposit
- Variable interest rate
- Interest is compounded daily & credited monthly
- Interest Tiers: $50 – $4,999.99, $5,000 – $24,999.99, $25,000+
- Transaction limitations apply – see the account disclosure for a full list of permitted and limited transactions
- One Wealth Builder IRA per IRA plan type – Traditional or Roth
Current Rates
Effective Date: Friday, June 12, 2026
| Annual Percentage Yield (APY) | Minimum Balance To Earn APY/Open | Actions |
|---|---|---|
| 0.25 | $50.00 | Visit a Branch |
| 0.50 | $5,000.00 | Visit a Branch |
| 1.00 | $25,000.00 | Visit a Branch |
^ Denotes variable rate account. The interest rate may change after the account is opened.
^^ denotes bump up CD-one rate adjustment per term
* certain limitations apply
# minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features
° Interest is paid on the full balance in the account based on the applicable tier.
Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.