Certificates of Deposit

Sandy Spring Bank has a variety of FDIC insured CDs to meet your savings needs and performance is guaranteed when you lock in a competitive fixed interest rate. Our CDs are created for short-term or long-term; small or large investments. All you need to do is select the product and term that works best for you.

CD Specials

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

4.00%1 APY*

14-Month 
Special CD »
$2,500

3.75%2 APY*

Check our current rates

Learn about CD Laddering

Current CDs

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

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 11/02/2022. 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.