Shore United Bank CD Rates — October 2026
As of October 22, 2026, Shore United Bank's highest tracked CD rate is 4.00% APY on a 12-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Shore United Bank CD rates
Published personal CDs offered through the bank serving Maryland, Delaware and Virginia; confirm eligibility and availability before opening. Minimum deposit is $500. Term ranges are shown at their lower bound. Standard CDs carry early withdrawal penalties. The 7- and 15-month products allow one penalty-free withdrawal after the first seven days; confirm remaining withdrawal and renewal terms with the bank.
| Term | Product | APY |
|---|---|---|
| 6 months | 6-11 Month CD Special Promotional | 2.50%Verified October 22, 2026 |
| 7 months | 7 Month No Penalty CD Promotional | 2.00%Verified October 22, 2026 |
| 12 months | 12-23 Month CD Special Promotional | 4.00%Verified October 22, 2026 |
| 15 months | 15 Month No Penalty CD Promotional | 2.50%Verified October 22, 2026 |
| 36 months | 36-47 Month CD Special Promotional | 2.50%Verified October 22, 2026 |
| 48 months | 48-59 Month CD Special Promotional | 2.50%Verified October 22, 2026 |
| 60 months | 60 Month CD Special Promotional | 2.50%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Shore United Bank's best CD rates by term?
Shore United Bank's best rate is 4.00% APY on 12 months, verified October 22, 2026.
- 6 mo2.50%
- 7 mo2.00%
- 12 mo4.00%
- 15 mo2.50%
- 36 mo2.50%
- 48 mo2.50%
- 60 mo2.50%
How much interest could a Shore United Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $62.292.50% APY · 6-11 Month CD Special · Promotional | $124.572.50% APY · 6-11 Month CD Special · Promotional | $311.432.50% APY · 6-11 Month CD Special · Promotional | $622.852.50% APY · 6-11 Month CD Special · Promotional |
| 12 months | $200.004.00% APY · 12-23 Month CD Special · Promotional | $400.004.00% APY · 12-23 Month CD Special · Promotional | $1,000.004.00% APY · 12-23 Month CD Special · Promotional | $2,000.004.00% APY · 12-23 Month CD Special · Promotional |
| 60 months | $657.042.50% APY · 60 Month CD Special · Promotional | $1,314.082.50% APY · 60 Month CD Special · Promotional | $3,285.212.50% APY · 60 Month CD Special · Promotional | $6,570.412.50% APY · 60 Month CD Special · Promotional |
How Shore United Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 30 of 109 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Shore United Bank (this institution)12-23 Month CD Special · Promotional | 12 months | $500 | Coverage: DE, MD, VA | 4.00% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Shore United Bank on October 22, 2026.
About Shore United Bank
- Legal name
- Shore United Bank, National Association
- Regulator ID
- FDIC 4832
- Headquarters
- Easton, MD
- Available in
- DE, MD, VA
- Total assets
- $6.2 billion
- Also known as
- Website
- shoreunitedbank.com
Source: rates read from https://www.shoreunitedbank.com/personal/banking/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Shore United Bank?
Among the rates we track, 4.00% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Shore United Bank CD?
The lowest minimum we found is $500.
How does Shore United Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.57% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Shore United Bank CDs insured?
Shore United Bank is an FDIC-insured bank (FDIC 4832). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Shore United Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Shore United Bank's website and may change at any time. Confirm terms, minimums and eligibility with Shore United Bank before opening an account. This page is not financial advice.