Best Money Market Rates in Maryland (MD) - May 2026
Content reviewed by
Brian McKay
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Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Maryland money market deposit account rates include Har-co Credit UnionHar-co Credit Union30 N Hickory Ave, Bel Air, MD 21014 3249A5.0 ★Texas Ratio: 7.97% Business Advantage Money Market at 4.00% APY, CFG BankCFG Bank11 W Ridgely Rd, Lutherville, MD 21093A5.0 ★Texas Ratio: 10.06% CFG High Yield Money Market In Branch at 3.80% APY, Citizens BankCitizens Bank7637 Old Georgetown Rd, Bethesda, MD 20814A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Transit Employees Federal Credit UnionTransit Employees Federal Credit Union6404 Ivy Ln Ste 510, Greenbelt, MD 20770 1426A+5.0 ★Texas Ratio: 2.14% Paramount Money Market at 3.75% APY, and Jarrettsville Federal S&LJarrettsville Federal S&L3706 Norrisville Rd, Jarrettsville, MD 21084A+5.0 ★Texas Ratio: 1.25% Money Market at 3.65% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Maryland side-by-side. Maryland money market rates currently reach as high as 4.00% APY from Har-co Credit Union at 30 N Hickory Ave, Bel Air, MD 21014 3249. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Maryland and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Maryland
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
30 N Hickory Ave, Bel Air, MD 21014 3249
Business Advantage Money Market
4.00%
$2,000
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 12, 2026
Details
guaranteed through June 2026
CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
CFG High Yield Money Market Online
3.80%
$1,000
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
May add deposits at anytime, no check writing privileges. See below for account details.
CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
CFG High Yield Money Market In Branch
3.80%
$1,000
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
May add deposits at anytime. See below for account details.
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
7637 Old Georgetown Rd, Bethesda, MD 20814
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
7637 Old Georgetown Rd, Bethesda, MD 20814
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
6404 Ivy Ln Ste 510, Greenbelt, MD 20770 1426
Paramount Money Market
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market
3.65%
$0
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account Tier 9
3.60%
$100
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Money Market New Money
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Promotional Money Market Account
3.55%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
minimum new money deposit of $10,000.
Glen Burnie MSB
Institution Rating:
A5.0 ★ Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
Money Market ADVANTAGE Account
3.51%
$25,000
▼
Rate3.45%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
($25,000 or more)
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
101 Crain Hwy S, Glen Burnie, MD 21061
Money Market ADVANTAGE Account
3.51%
$25,000
▼
Rate3.45%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
($25,000 or more)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD 20815
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$15,000+
Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
4520 East West Hwy, Bethesda, MD 20814
Money Market Advantage Checking
3.50%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
On Balances Between $25,000 and $250,000.
WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
26500 Ridge Rd, Damascus, MD 20872
Money Market Special
3.50%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
With a minimum of $25k new money
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
5 Church Cir, Annapolis, MD 21401
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
ICS Money Market
3.10%
$250,000
▼
Rate3.06%
Min Deposit$250,000
Min Balance—
UpdatedMay 4, 2026
Details
May add deposits at anytime, check writing allowed, and ATM card issued upon request
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
Local Advantage Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
11350 Mccormick Rd, Hunt Valley, MD 21031
Business Money Market Savings Accounts
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
6404 Ivy Ln Ste 510, Greenbelt, MD 20770 1426
Paramount Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Money Market Account
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
ACNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
213 Main St, New Windsor, MD 21776
SELECT MONEY MARKET
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Flexible and Interest Earning
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
Local Advantage Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Accounts
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
Eagle Money Market Account and up
2.33%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$500,000.00
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Accounts
2.30%
$0
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Money Market Account
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
Eagle Money Market Account
2.13%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$250,000.00 - $499,999.99
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Accounts
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
Money Market Account
2.10%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
For balances greater than $50,000
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
2.10%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Includes Traditional, Roth & Education IRAs
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
Eagle Money Market Account
2.03%
$0
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$0.00 - $249,999.99
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
For balances from $20,000 to $49,999
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Includes Traditional, Roth & Education IRAs
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account Tier 8
2.00%
$100
▼
Rate1.99%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
Local Advantage Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Platinum Money Market
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.91%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Accounts
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
Money Market Account
1.87%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
For balances from $2,500 to $19,999
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
1.87%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Includes Traditional, Roth & Education IRAs
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Premium High-Yield Money Market Account
1.80%
$0
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
Money Market
1.76%
$2,500
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
Credit Union Insured Money Market Account (CUIMMA)
1.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
19638 Leitersburg Pike, Hagerstown, MD 21742
Money Market
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Dividends are compounded daily and paid monthly. No minimum balance is required to open the account; however, dividends are earned only on balances over $2,500. If a balance of less than $2,500 is maintained, there is no penalty, but dividends are not paid on the account.
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Premium Money Market 1
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
6404 Ivy Ln Ste 510, Greenbelt, MD 20770 1426
Paramount Money Market
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.71%
$0
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
Commercial Money Market Account
1.70%
$1,500
▼
Rate1.69%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Platinum Money Market
1.64%
$0
▼
Rate1.63%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Money Market
1.60%
$0
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
Credit Union Insured Money Market Account (CUIMMA)
1.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
Money Market
1.51%
$2,500
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
APL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
11050 Johns Hopkins Rd, Laurel, MD 20723
IRA MONEY MARKET
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
Commercial Money Market Account
1.50%
$1,500
▼
Rate1.49%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Money Market Savings Tier 6
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
11350 Mccormick Rd, Hunt Valley, MD 21031
Business Money Market Savings Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
Gold Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Money Market
1.40%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Money Market
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Money Market Savings Tier 5
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Business Money Market
1.40%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
MONEY MARKET
1.39%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
Money Market Accounts
1.39%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$1,000,000 or more
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
Money Market accounts
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Accounts
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
Money Market Accounts
1.34%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$250,000 - $999,999.99
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1807 Rockville Pike, Rockville, MD 20852
MONEY MARKET
1.34%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
12820 Wisteria Dr, Germantown, MD 20874 2627
Commercial Money Market Account
1.30%
$1,500
▼
Rate1.29%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account Tier 7
1.30%
$100
▼
Rate1.29%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Money Market
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Money Market Savings Tier 4
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
122 W Union St, Cumberland, MD 21502
Money Market accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
Money Market
1.26%
$2,500
▼
Rate1.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account Tier 6
1.25%
$100
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Market USA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
Money Market
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Premium High-Yield Money Market Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Business Money Market
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Money Market
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
18721 Longmeadow Rd, Hagerstown, MD 21742
Credit Union Insured Money Market Account (CUIMMA)
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Money Market Savings Tier 3
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
11350 Mccormick Rd, Hunt Valley, MD 21031
Business Money Market Savings Accounts
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Money Market Savings Tier 2
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
Money Market Savings Tier 1
1.05%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
11350 Mccormick Rd, Hunt Valley, MD 21031
Business Money Market Savings Accounts
1.05%
$0
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Business Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
Gold Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account Tier 5
1.00%
$100
▼
Rate0.99%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Platinum Money Market
0.94%
$0
▼
Rate0.94%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Maryland and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Maryland Money Market Rate Trends
Compare local Maryland money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — MD Avg
3.385%
Unchanged vs 7 days ago
Maryland high-yield MMA rates currently average 3.385% APY.
Standard MMA — MD Avg
0.639%
Unchanged vs 7 days ago
Maryland standard MMA rates currently average 0.639% APY.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Maryland directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Maryland. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Maryland
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Maryland.
Are Money Market accounts in Maryland safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Maryland up to $250,000 per depositor, per institution.
How often do MMA rates change in Maryland?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Maryland rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Maryland?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Maryland require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Maryland
Here are some of the highest money market account APYs currently available in Maryland:
- Har-co Credit Union
Business Advantage Money Market — 4.00% APY - CFG Bank
CFG High Yield Money Market In Branch — 3.80% APY - Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Transit Employees Federal Credit Union
Paramount Money Market — 3.75% APY - Jarrettsville Federal S&L
Money Market — 3.65% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Maryland. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
Cities in Maryland
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