Highest Bump-Up CD Rates in Maryland
10 Maryland-specific products
The Maryland market
Maryland accounts
10
Institutions
7
Top Maryland APY
3.65% APY
Nationally: 4.35% APY
FDIC national average
1.73%
As of Sep 2026
10 bump-up CDs are open only to Maryland residents, from 7 institutions. The highest advertised APY among them is 3.65%.
The highest nationally available rate is 4.35% APY, 70 basis points above the Maryland leader.
10 of the 10 Maryland bump-up CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Maryland-Specific Bump-Up CDs Rates
Bump-Up CDs rates specifically available to Maryland residents.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 3.65%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #2 | 3.60%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #3 | 3.50%APY That 3.50% is a promotional rate. Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #4 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #5 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #6 | 2.75%APY Observed: Oct 13, 2026 | $1,000 | ||
| #7 | 2.75%APY Observed: Oct 13, 2026 | $1,000 | ||
| #8 | 2.50%APY Observed: Oct 3, 2026 Branches: Yes | $5,000 | ||
| #9 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #10 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 |
$500
Yes
$10,000
Yes
That 3.50% is a promotional rate.
$500
Yes
$10,000
Yes
$500
Yes
$1,000
N/A
$1,000
N/A
$5,000
Yes
$500
Yes
$1,000
Yes
Nationally Available Bump-Up CDs Rates
The 8 highest bump-up cds rates available nationwide, including in Maryland.
| Institution | Product / Term | APY |
|---|---|---|
| Rising Bank | Rising CD 18-Month18 months | 4.35% |
| Marcus by Goldman Sachs | 20-Month Rate Bump CD20 months | 4.35% |
| Farm Bureau Bank FSB | 1 Year CD with Step-Up Option12 monthsneeds at least $50,000 | Up to3.75% |
| Farm Bureau Bank FSB | 2 Year CD with Step-Up Option24 monthsneeds at least $50,000 | Up to3.70% |
| Farm Bureau Bank FSB | 18 Month CD with Step-Up Option18 monthsneeds at least $50,000 | Up to3.20% |
| Rising Bank | Rising CD 26-Month26 months | 3.15% |
| Farm Bureau Bank FSB | 3 Year CD with Step-Up Option36 monthsneeds at least $50,000 | Up to3.10% |
| Farm Bureau Bank FSB | 4 Year CD with Step-Up Option48 monthsneeds at least $50,000 | Up to3.10% |