Arundel Federal Savings Bank savings, CD and money market rates
Arundel Federal Savings Bank's Goal Maker Savings lists 1.25% APY on balances of $2,500 or less, and 0.07% on larger balances. On a $10,000 balance the account earns 0.07% overall, about $7 in a year, which is 0.31 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #702 of 3052 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2348.
Estimate your earnings·What Arundel Federal Savings Bank actually pays
Arundel Federal Savings Bank at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 1.25% · Goal Maker Savings · $2,500 or less only |
| Minimum to open | $5 · Goal Maker Savings |
| Against the national average | 0.87 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.24% · 18 months · 18 Month Certificate |
| Minimum to open | $1,000 · 18 months CD |
| Money market | |
| Top money market APY | Up to 0.80% · Money Market Savings · needs at least $500,000 |
| Minimum to open | $1,000 · Money Market Savings |
| Against the national average | 0.17 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 28780 · Glen Burnie, MD |
|---|---|
| Website | www.arundelfederal.com |
| Branches | 5 branches in MD |
| Availability | Available in MD |
Arundel Federal Savings Bank savings, CD and money market rates
How the rate applies
How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Arundel Federal Savings Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 6 months | 3.61% | $1,000 | 6 Month Certificate |
| 9 months | 3.67% | $1,000 | 9 Month Certificate |
| 12 months | 4.18% | $1,000 | 12 Month Certificate |
| 13 months | 2.00% | $500 | 13 Month Certificate |
| 18 months | 4.24% | $1,000 | 18 Month Certificate |
| 24 months | 2.79% | $1,000 | 24 Month Certificate |
| 36 months | 2.50% | $5,000 | 36 Month Bump-Up Certificate |
| 48 months | 2.50% | $1,000 | 48 Month Certificate |
| 60 months | 2.50% | $1,000 | 60 Month Certificate |
| 84 months | 2.75% | $10,000 | 84 Month Certificate |
Interactive Tool
Calculate Savings for Arundel Federal Savings Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$37.70(0.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,037.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Arundel Federal Savings Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 1.25% applies to balances of $2,500 or less. A larger balance earns 0.07% on the whole amount.
In Q2 2026, Arundel Federal Savings Bank paid a higher average rate on savings and money market deposits than 6% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Arundel Federal Savings Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Goal Maker Savings | Up to 1.25% | $5 | $0 | $2,500 | not stated | None | Tiered | |
| Fine print: Interest is paid only on the balance within each tier, not on the whole balance at the higher tier's rate. One account is allowed per customer tax identification number. | ||||||||
| Christmas Club | 0.50% | $10 | $0 | None | not stated | None | One rate | |
| Fine print: The club runs a 12-month term ending in October, and a cheque for the full balance is mailed at the end of the term. The balance may not exceed $10,000. A $5 quarterly service charge applies if the balance falls below $10. One account is allowed per customer tax identification number, and the account is opened in a branch. | ||||||||
| Vacation Club Account | 0.50% | $10 | $0 | None | not stated | None | One rate | |
| Fine print: The club runs a 12-month term ending in May, and a cheque for the full balance is mailed at the end of the term. One withdrawal per term is free. The balance may not exceed $10,000. A $5 quarterly service charge applies if the balance falls below $10. One account is allowed per customer tax identification number, and the account is opened in a branch. | ||||||||
| Statement Savings | 0.04% | $50 | $0 | None | not stated | None | One rate | |
| Senior Rewards 55+ Savings | 0.04% | $50 | $0 | None | not stated | Direct deposit | One rate | |
| Money Market Savings | Up to 0.80% | $1,000 | $1,000 | None | not stated | None | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 6 Month Certificate | 6 months | 3.61% | $1,000 | not stated | not stated |
| 9 Month Certificate | 9 months | 3.67% | $1,000 | not stated | not stated |
| 12 Month Certificate | 12 months | 4.18% | $1,000 | not stated | not stated |
| 13 Month Certificate | 13 months | 2.00% | $500 | not stated | not stated |
| 18 Month Certificate | 18 months | 4.24% | $1,000 | not stated | not stated |
| 24 Month Certificate | 24 months | 2.79% | $1,000 | not stated | not stated |
| 36 Month Bump-Up Certificate | 36 months | 2.50% | $5,000 | not stated | not stated |
| Fine print: One rate adjustment is permitted per term. | |||||
| 48 Month Certificate | 48 months | 2.50% | $1,000 | not stated | not stated |
| 60 Month Certificate | 60 months | 2.50% | $1,000 | not stated | not stated |
| 84 Month Certificate | 84 months | 2.75% | $10,000 | not stated | not stated |
Opening and using the account
| Availability | Available in MD |
|---|---|
| Footprint | 5 branches in MD |
| Eligibility | not stated |
How Arundel Federal Savings Bank behaves over time
- 12-month high
- 1.25%
- 12-month low
- 0.04%
- Advertised now
- 1.25%
- At the 12-month high
The advertised Goal Maker Savings rate, observed through Oct 21, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 14, 2026Goal Maker SavingsRaise:0.64%to0.94%
- Obs. Sep 30, 2026Goal Maker SavingsRaise:0.34%to0.64%
- 18 months CD
- The same as 30 days ago.
$10,000 in Arundel Federal Savings Bank's Goal Maker Savings earns 0.07% overall at the advertised rates, so it grows to $10,007 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,646 does today. See how the federal funds rate shapes savings rates.
- Goal Maker Savings APY
- Banksparency savings index
Arundel Federal Savings Bank CD rates over time
Who is Arundel Federal Savings Bank?
| Headquarters | Glen Burnie, MD |
|---|---|
| Founded | 1906 |
| Scale | $492M assets · $373M deposits, $363M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 28780 |
| Charter state | Maryland · one of 27 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,931st-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 77% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Arundel Federal Savings Bank pays on deposits above.
Common questions about Arundel Federal Savings Bank
Is Arundel Federal Savings Bank FDIC insured?
Yes. Arundel Federal Savings Bank is FDIC insured under certificate 28780, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Arundel Federal Savings Bank?
Arundel Federal Savings Bank requires a minimum deposit of $5 to open its Goal Maker Savings account, as observed on Oct 21, 2026. Check the bank's current terms before you open an account.
Does the 1.25% apply to my whole balance?
The 1.25% applies to balances of $2,500 or less. A larger balance earns 0.07% on the whole amount. Rates are as observed on Oct 21, 2026.
Does Arundel Federal Savings Bank have branches?
Yes. Arundel Federal Savings Bank operates 5 branches according to FDIC branch records, in addition to its website and mobile apps.
Arundel Federal Savings Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Arundel Federal Savings Bank | Up to1.25% | 0.23% | $5 | 5 branches in MD |
| Alden State Bank | 1.25% | 0.23% | $25 | 3 branches in NY |
| All America Bank | 1.25% | 2.08% | $50 | 7 branches in OK |
| Century Bank and Trust | 1.25% | 1.36% | $50 | 3 branches in GA |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Arundel Federal Savings Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Maryland, nearest to Arundel Federal Savings Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Maryland, CD rates in Maryland, money market rates in Maryland, and banks in Maryland.