Maryland CD rates dropped, almost across the board, for the week ending June 12, 2008.  The five year CD rates in Maryland managed to hold their ground and were unchanged for the week at an average of 3.65%.  The Maryland two year CD rate average fell by two basis points or 2/100 of a percent to end the week at 2.73%.  The average for the top one year CD rates fell by the same amount to end at 2.45%.  The six month CD rates in the Free State stayed in line and went down by two basis points from 2.17% to 2.15%.

The best six month CD rate in Maryland has a nine month term with an interest rate of 2.30%.  This rate comes from Madison Square Federal Savings Bank and has a longer term but also a much higher than average rate and includes a bump up provision.  The bump up rate provision permits one rate adjustment per term at the account holder’s option.  The next best six month CD is the product of Urban Trust Bank with an interest rate of 2.15%.  This CD rate is also available at St. Casmir’s Savings Bank as well as United Central Bank.

The leader in the one year CD category is Urban Trust Bank with a one year CD that yields 2.75%.  The next best one year CD rate stands at 2.50% and comes from HarVest Bank of Maryland.  Ten basis points lower are the CDs of two Maryland banks, Cecil Bank and United Central Bank that have interest rates of 2.40%.

In the two year CD rate group, the best bank rate is a product of EagleBank that offers a two year at 3.00%.  Urban Trust Bank has a two year CD rate that is two basis points below the best national rate at 2.85%.   The third best rate comes from two banks that offer CD rates at 2.75%.  Bank of Georgetown promotes this rate on a two year CD while St. Casimir’s Savings Bank markets that rate on a 30 month term.

The best five year CD rate in Maryland is one of the best in the nation at 4.50%.  Urban Trust Bank markets this five year rate and it continues to be the highest available in any state.  Bank of Georgetown has the next best rate ¾% lower at 3.75%.  Both, Easton Bank & Trust and National Penn Bank offer a rate of 3.50%.  The highest five year CD rate list winds up with Standard Bank at 3.40% and County First Bank at 3.25%.

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