Southern Maryland Saver Certificate

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6-Month Certificate

Get more bang for your buck with our 6-Month Southern Maryland Saver Certificate. This limited time offer certificate has an annual percentage yield of 5.06%!



Get More Bang for your Buck!

5.06%APYOur Southern Maryland Saver 6-month certificate account is different from our traditional savings account in several ways. Our savings accounts have low dividend rates, and allow you to deposit and withdraw funds relatively freely. But our special 6-month certificate has a fixed dividend rate of 5.00%, and yields 5.06% APY*! With this certificate, you'll put money in the account for 6 months without withdrawing it. If you need to, you can still withdraw the money, but you'll incur a penalty* fee.

The other great thing about this certificate is that it has a short term. 5.06% is an excellent rate of return for 6 months. Compare this rate with a high-yield savings account at a large bank or online-only financial institution. It's a pretty good deal for a limited-time only! Remember, your 6-month certificate will automatically renew at the posted 6-month standard rate at the time of maturity, which may be different than this promotional rate.

Make an appointment to meet with a representative and we will reach out to help you fill out the necessary information.



The minimum deposit for a certificate account is $1,000.00. Rates are fixed for the entire term of the certificate account and funds cannot be deposited into existing accounts until maturity.

*6-month Certificate: 5.00% dividend fixed rate. 5.06% APY. APY=Annual Percentage Yield. The minimum balance is $1,000. APY is accurate as of 07.01.23. Early withdrawal penalties apply: 90 days dividends for 6-month certificate term. Limited-time offer. The certificate will automatically renew at the posted 6-month standard rate upon completion of the 6-month period. Federally Insured by NCUA. Limitations apply. 

Certificate Rates

See how our Southern Maryland Saver 6-month certificate rate compares to the rest of our short-term rates below.

Short Term Certificate Account**

TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividend Fixed Rate
3 months $1,000.00 1.51% 1.50%
6 months $1,000.00 5.06% 5.00%
9 months $1,000.00 1.71% 1.70%
3 months $10,000.00 1.51% 1.50%
6 months $10,000.00 5.06% 5.00%
9 months $10,000.00 1.71% 1.70%

**APY assumes reinvestment at the same term for 12 months See our printable pdf for details.

Easy Builder Short Term Certificate Account

TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividend Fixed Rates
3 months $250.00 ($50.00 Young Investor Option) 1.51% 1.50%
6 months $250.00 ($50.00 Young Investor Option) 1.61% 1.60%
9 months $250.00 ($50.00 Young Investor Option) 1.71% 1.70%


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