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

TERMMINIMUM OPENING BALANCERATEAPPLY ONLINE
7-Month 
Promotional CD »		$2,5004.00%1 APY*Open Now
14-Month 
CD Special »		$2,5003.75%2 APY*Open now

Not sure a CD meets your needs? Learn more about the Premier Money Market. 

Current CDs

 View our Rates »

TermMinimum Opening BalanceApply Online
6-Month$1,000Open Now
12-Month$1,000Open Now
18-Month$1,000Open Now
24-Month$1,000Open Now
30-Month$1,000Open Now
36-Month$1,000Open Now
48-Month$1,000Open Now
60-Month$1,000Open Now

Check our current rates

  • Disclosure

    *Annual Percentage Yield (APY) is accurate as of 06/11/2025. The annual percentage yield assumes interest is credited monthly and remains on deposit until maturity. Deposit must originate from a non-Sandy Spring Bank account. Penalties for early withdrawal may apply. A withdrawal of interest will reduce earnings. For other provisions applicable to your account, please see Personal Deposit Account and Electronic Banking Agreement, and if you are opening an account, your Receipt. 

    1The 7-Month Promotional CD has a minimum opening deposit of $2,500. Maximum deposit is $10,000,000. The CD will automatically renew for a 12-month term from the initial and each succeeding maturity date at the interest rate then being offered by us for your type of account. Fees may reduce earnings on account.
    2The 14-Month CD Special has a minimum opening deposit of $2,500. Maximum deposit is $1,000,000. The CD 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. Fees may reduce earnings on account.