# Shore United Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/shore-united-bank
Institution: Shore United Bank, National Association (FDIC 4832)
Aliases: 
Status: live
Last verified: 2026-10-22T14:31:04.000Z (October 22, 2026)
Official source: https://www.shoreunitedbank.com/personal/banking/cds
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-11 Month CD Special | promotional | 6 months | $500 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-22T14:31:04.000Z | [Snapshot 300](https://apyledger.com/snapshots/300) |
| 7 Month No Penalty CD | promotional | 7 months | $500 | 2.00% | Not ZIP-priced | −2.43% | 2026-10-22T14:31:04.000Z | [Snapshot 300](https://apyledger.com/snapshots/300) |
| 12-23 Month CD Special | promotional | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T14:31:04.000Z | [Snapshot 300](https://apyledger.com/snapshots/300) |
| 15 Month No Penalty CD | promotional | 15 months | $500 | 2.50% | Not ZIP-priced | −2.15% | 2026-10-22T14:31:04.000Z | [Snapshot 300](https://apyledger.com/snapshots/300) |
| 36-47 Month CD Special | promotional | 36 months | $500 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-22T14:31:04.000Z | [Snapshot 300](https://apyledger.com/snapshots/300) |
| 48-59 Month CD Special | promotional | 48 months | $500 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-22T14:31:04.000Z | [Snapshot 300](https://apyledger.com/snapshots/300) |
| 60 Month CD Special | promotional | 60 months | $500 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-22T14:31:04.000Z | [Snapshot 300](https://apyledger.com/snapshots/300) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.