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Certificates and Retirement

by | Apr 21, 2026

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 5, 2026

Certificate and Retirement Accounts (Rate Table)
Account Type
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open

Actions

6 Month3.65$1,000.00Open an Account
9 Month *3.60$1,000.00Open an Account
12 Month3.50$1,000.00Open an Account
13 Month *2.00$500.00Open an Account
18 Month3.30$1,000.00Open an Account
24 Month3.00$1,000.00Open an Account
36 Month^^2.50$5,000.00Open an Account
48 Month2.50$1,000.00Open an Account
48 Month2.75$25,000.00Open an Account
60 Month2.50$1,000.00Open an Account
60 Month2.75$25,000.00Open an Account
84 Month2.75$10,000.00Open 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.