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 Apply Online
CD Special »

5.00%1 APY*


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

Current CDs

 View our Rates »

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

Check our current rates

  • Disclosure

    *Annual Percentage Yield (APY) is accurate as of 10/11/2023. 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 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.