Certificates of Deposit

Sandy Spring Bank has a variety of FDIC-insured CDs to meet your savings needs regardless of your time horizon. You can avoid uncertainty by locking in a fixed interest rate, and performance is guaranteed. Simply select the product and term that works best for you and apply below. Or, visit a branch for a conversation.

CD Specials

Term Minimum Opening Balance Rate  
35-Month
Special CD »		 $2,500

4.00%1 APY*

 Apply Now
14-Month 
Special CD »		 $2,500

4.25%2 APY*

 Apply Now

Not sure a CD meets your need, learn more about the Premier Money Market. 

Current CDs

 View our Rates »

Term Minimum Opening Balance  
6-Month $1,000 Apply Now
12-Month $1,000 Apply Now
18-Month $1,000 Apply Now
24-Month $1,000 Apply Now
30-Month $1,000 Apply Now
36-Month $1,000 Apply Now
48-Month $1,000 Apply Now
60-Month $1,000 Apply Now

Check our current rates

  • Disclosure

    *Minimum opening deposit is $2,500. Maximum deposit $1,000,000. Deposit must originate from a non-Sandy Spring Bank account. Penalties for early withdrawal may apply. Annual Percentage Yield (APY) as of 02/22/2023. The annual percentage yield assumes interest is credited monthly and remains on deposit until maturity. A withdrawal of interest will reduce earnings. For other provisions applicable to your account, please see our Personal Deposit Account and Electronic Banking Agreement and if you are opening an account, your Receipt.

    1The 35-Month Special CD will automatically renew for a 36 month term from the initial and each succeeding maturity date at the interest rate then being offered by us for your type of account.

    2The 14-Month CD Special will automatically renew for an 18 month term from the initial and each succeeding maturity date at the interest rate then being offered by us for your type of account.