Bethesda, Maryland Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Bethesda, Maryland money market account rates range from 0.01% to 4.05% APY, verified by MonitorBankRates as of October 15, 2026. Current Bethesda, Maryland and the surrounding area money market deposit account rates include Presidential BankPresidential Bank4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%Real return: +0.70%APY minus 2.8% CPI (February 2026) Commercial Money Market Advantage Checking at 3.50% APY, Citizens BankCitizens Bank7637 Old Georgetown Rd, Bethesda, MD 20814A+5.0 ★Texas Ratio: 5.44%Real return: +0.70%APY minus 2.8% CPI (February 2026) Citizens Private Client Money Market - Preferred at 3.50% APY, ForbrightForbright4801 Montgomery Ln Ste A, Bethesda, MD 20814A5.0 ★Texas Ratio: 9.05%Real return: +0.66%APY minus 2.8% CPI (February 2026) Platinum Business Money Market at 3.46% APY, EagleBankEagleBank7500 Old Georgetown Rd, Bethesda, MD 20814A5.0 ★Texas Ratio: 11.84%Real return: -0.32%APY minus 2.8% CPI (February 2026) Eagle Money Market Account at 2.48% APY, and Atlantic Union BankAtlantic Union Bank7550 Wisconsin Ave, Bethesda, MD 20814A+5.0 ★Texas Ratio: 2.51%Real return: -0.55%APY minus 2.8% CPI (February 2026) Performance Money Market at 2.25% APY. Money market rates as of October 15, 2026 according to verified data from MonitorBankRates.
Bethesda has 8 local institutions in our database, with money market rates as high as 3.50% APY from Presidential Bank at 4520 East West Hwy, Bethesda, MD 20814. Use the table below to compare all available offers, including options from institutions serving the broader Maryland area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Bethesda, Maryland and surrounding area. Last Updated and Verified: October 15, 2026
Compare the Best Money Market Rates Today in Bethesda, Maryland & the Surrounding Area
Balance: $25,000 - $500,000; Mail-in application
- Oct 7, 20263.50%▲ from 1.50%
- Sep 27, 20261.50%first recorded
Balance: $25,000.00 - $250,000.00; 1.50% APY on higher balances; 0.10% APY on average daily balances under $25,000
Rhode Island rates; requires Citizens Private Client Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Private Client Checking; includes unlimited rebates on ATM fees charged by other banks; rates apply to new accounts and are variable
Rhode Island rates; requires Citizens Quest Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Relationship balance of $250,000 required; account may be converted to Bright Business Savings if the relationship balance falls below $250,000
Balance: $500,000.00 and up
- Oct 14, 20262.48%▲ from 2.33%
- Sep 24, 20262.33%first recorded
Balance: $250,000.00 - $499,999.99
- Oct 14, 20262.28%▲ from 2.13%
- Sep 24, 20262.13%first recorded
Balance: $0.00 - $24,999.99; Limited time offer; requires minimum opening deposit of at least $25,000 in new money not currently on deposit with Atlantic Union Bank; $12 maintenance fee per statement cycle if daily balance falls below $2,500.00; not available for business accounts
Balance: $0.00 - $249,999.99
- Oct 14, 20262.18%▲ from 2.03%
- Sep 24, 20262.03%first recorded
Balance: $250,000+
Balance: $100,000 - $249,999.99
Balance: $25,000 - $49,999.99; Minimum Balance to Obtain APY: $25,000
Balance: $10,000.00 and over
- Oct 14, 20260.30%▲ from 0.15%
- Sep 18, 20260.15%first recorded
Balance: $1,000.00 - $9,999.99
- Oct 14, 20260.25%▲ from 0.15%
- Sep 27, 20260.15%first recorded
Balance: $25,000 - $99,999.99
Balance: $2,500 - $24,999.99; Minimum Balance to Obtain APY: $2,500
Balance: $25,000 and over; Individual & Business
Mail-in application
Balance: $0.00 - $24,999.99
Balance: $10,000 - $24,999.99; Individual & Business
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Silver Tier (Average Eligible Balance $25,000 to $99,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99
Balance: up to $2,499.99; Minimum Balance to Obtain APY: $0.01
Balance: $1.00 - $9,999.99
Rhode Island rates; requires Citizens Quest Checking account; standard rate; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Balance: $0 - $2,499
Balance: $0 - $9,999.99; Individual & Business
Balance: $1,000+; May add deposits at anytime. See below for account details.
Balance: $1,000+; May add deposits at anytime, no check writing privileges. See below for account details.
Click for full details.
Balance: $25,000 - $250,000; 4.00% APY guaranteed through December 31, 2026; available to members who open or maintain a Business Savings Account; $2,000 minimum monthly daily balance to avoid minimum balance fee
Minimum Balance: $150,000; APR shown as rate; YIELD shown as APY
- Oct 15, 20263.81%▲ from 3.75%
- Oct 5, 20263.75%▼ from 3.81%
- Sep 29, 20263.81%▲ from 3.75%
- Sep 25, 20263.75%▼ from 3.81%
Balance: $200,000.00 and over; Dividends Compounded: Monthly; Dividends Credited: Monthly; Minimum Balance for Dividends: $0.01
Minimum Balance: $75,000; APR shown as rate; YIELD shown as APY
- Oct 15, 20263.67%▲ from 3.63%
- Oct 5, 20263.63%▼ from 3.67%
- Sep 29, 20263.67%▲ from 3.63%
- Sep 25, 20263.63%▼ from 3.67%
Balance: $250,000; May add deposits at any time; Check writing allowed; ATM card upon request
Balance: $1,000,000+
Balance: $5,000,000 +; Tier 9
Minimum Balance: $50,000; APR shown as rate; YIELD shown as APY
- Oct 15, 20263.53%▲ from 3.50%
- Oct 5, 20263.50%▼ from 3.53%
- Sep 29, 20263.53%▲ from 3.50%
- Sep 25, 20263.50%▼ from 3.53%
Money Market ADVANTAGE Account
($25,000 or more)
Balance: Over $100,000
Intro rate; Balance: $15,000+
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $0.00 to $2,499.99
- Oct 10, 20263.50%▲ from 0.15%
- Sep 14, 20260.15%first recorded
Open a Money Market account and earn 3.50% APY on all balances through December 28, 2026. Minimum deposit to open the account is $2,500.
Balance: $1,500,000 and above
Bonus Rate for the first 90 days; Balance: $1,000,000.00 and above
Bonus Rate for the first 90 days; Balance: $750,000.00 - $999,999.99
- Sep 24, 20263.17%▲ from 3.13%
- Sep 7, 20263.13%first recorded
Balance: $750,000.00 - $999,999.99
Balance: $100,000.00 and above; Bonus rate for the first 90 days
Balance: $100,000.00 and above
Balance: $50,000.00 - $99,999.99; Bonus rate for the first 90 days
Balance: $50,000.00 - $99,999.99
May add deposits at anytime, check writing allowed, and ATM card issues upon request.
Tier T1; Average Daily Balance: $500,000
Balance tier starting at $1,000,000; Compounding: Daily
- Oct 3, 20263.00%▲ from 2.90%
- Sep 7, 20262.90%first recorded
Balance: $500,000.00 - $749,999.99
Balance: $1,000,000.00 and over
Balance: $750,000.00 - $999,999.99
Balance: $500,000.00 - $999,999.99
Balance: $100,000.00 - $199,999.99; Dividends Compounded: Monthly; Dividends Credited: Monthly; Minimum Balance for Dividends: $0.01
Balance: $250,000.00 - $499,999.99
Balance: $500,000.00 - $749,999.99
Balance: $250,000.00 - $499,999.99
Balance: $75,000.01 and up; Money Market accounts limited to 6 electronic transfers per month; 3 checks per month, minimum $250.00 each
Balance: $25,000.01 - $75,000.00; Money Market accounts limited to 6 electronic transfers per month; 3 checks per month, minimum $250.00 each
Balance: $100,000 minimum tier
- Oct 5, 20262.05%▲ from 1.23%
- Sep 21, 20261.23%first recorded
Balance: $500,000.00 and over
Balance: $2,000.00 - $25,000.00; Money Market accounts limited to 6 electronic transfers per month; 3 checks per month, minimum $250.00 each
Balance: $500,000.00 - $749,999.99; New money requirement: at least 50% of the opening deposit must come from funds not already on deposit with APGFCU; Dividend rates may change after account is opened
Balance: $1,000,000+
Minimum Daily Balance: $250,000; Rates effective as of September 28, 2026
- Oct 13, 20262.00%▲ from 1.75%
- Sep 14, 20261.75%first recorded
Balance: greater than $50,000; Includes Traditional, Roth & Education IRAs
Balance: greater than $50,000
Balance: $20,000 to $49,999; Includes Traditional, Roth & Education IRAs
Balance: $20,000 - $49,999
Balance: $250,000.00 - $499,999.99
Balance: $100 to $19,999; Includes Traditional, Roth & Education IRAs
Balance: $2,500 - $19,999
Balance: $175,000.00 - $249,999.99
Balance: $250,000.00 +
Balance: $100,000.00 and over
Balance: $100,000.01 & Over; FedPerks Members earn .10% bonus; Dividends Compounded and Credited: Monthly; Balance Method: Average Daily Balance
Balance: $25,000.00 - $99,999.99; Dividends Compounded: Monthly; Dividends Credited: Monthly; Minimum Balance for Dividends: $0.01
Balance: $500,001-1,000,000
Effective 2/1/2026; Dividends earned only on balances over $2,500; no minimum balance required to open the account
Balance: $35,000 and Over; Minimum deposit of $35,000 to earn the stated rate
Balance: $125,000.00 - $174,999.99
Minimum Daily Balance: $100,000; Rates effective as of September 28, 2026
- Oct 13, 20261.70%▲ from 1.55%
- Sep 14, 20261.55%first recorded
Balance: $1,000,000.01 and above
Balance: $1,000,000.01 and above
Balance: $100,000.01 & Over; Dividends Compounded and Credited: Monthly; Balance Method: Average Daily Balance
- Oct 4, 20261.65%▲ from 1.25%
- Sep 20, 20261.25%first recorded
Balance: $50,000 and Over
Balance: $100,000 minimum; Dividends compounded monthly
Balance: $100,000 minimum; Dividends compounded monthly
Balance: $75,000.00 - $124,999.99
Balance: $250,000+; Earn a great rate without committing your funds to a term Certificate Account. There is no limit or fee for withdrawals
Balance: $250,000+; dividends compounded monthly; balance method: Average Daily Balance
- Oct 9, 20261.51%▲ from 1.50%
- Oct 5, 20261.50%first recorded
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.
Bethesda, MD Money Market Rate Trends
Compare local Bethesda, MD 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.
Maryland high-yield MMA rates fell 0.029 points over the past 7 days to 3.244% APY.
Maryland standard MMA rates rose 0.004 points over the past 7 days to 0.688% APY.
Bethesda, Maryland Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current MD high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current MD high-yield money market average of 3.244% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Bethesda, Maryland.
Money Market Account Earnings in Bethesda, Maryland
Annual interest earnings at current MD average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.244% APY) | Monthly Earnings | Standard MMA (0.688% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $324.39 / year | $27.03 | $68.77 / year | $5.73 |
| $25,000 | $810.98 / year | $67.58 | $171.92 / year | $14.33 |
| $50,000 | $1,621.95 / year | $135.16 | $343.85 / year | $28.65 |
| $100,000 | $3,243.90 / year | $270.33 | $687.70 / year | $57.31 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Bethesda, Maryland money market rate averages as of October 19, 2026. | ||||
About Our Bethesda, Maryland Money Market Rate Database
MonitorBankRates found 8 institutions with branches in Bethesda (7 banks, 1 credit union), plus 43 additional state-chartered and national online institutions available to Bethesda residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Presidential Bank offers a money market account at 3.50% APY. Use the rate table above to compare all current offers in Bethesda, Maryland.
How to Find the Best Money Market Rates in Bethesda, Maryland
What to compare when shopping for a money market account in Bethesda, Maryland
To find the best money market APYs in Bethesda, Maryland, start with credit unions and online-only banks: Bethesda, Maryland has 30 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current MD high-yield money market average is 3.244% but top local institutions are offering as high as 3.50%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Bethesda, Maryland high-yield money market rates currently average 3.244% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Bethesda, Maryland institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 51 institutions in Bethesda, Maryland report money market rates to our database.
- You’re among Bethesda, Maryland’s 19.0% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Bethesda, Maryland CD rates
- You don’t need check writing and want a lower minimum Bethesda, Maryland savings rates
- You need daily transaction access Bethesda, Maryland checking rates
Bethesda, Maryland Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
19.0% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.0% reflects a strong local economy with solid savings capacity. At today’s MD high-yield money market average of 3.244%, saving 10% of the local median salary ($10,803/year) would earn an additional $350 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Bethesda, Maryland Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Bethesda, Maryland.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MD Avg APY | 3.244% | View Savings Rates | 0.688%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Bethesda, Maryland averages tracked in our database as of October 19, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Bethesda, Maryland Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Bethesda, Maryland rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Bethesda, Maryland
At MD’s top money market rate of 3.50% from Presidential Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Bethesda, Maryland earner is roughly $27,000. At 3.244% APY in a money market account, saving $2,250/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountMaryland’s high-yield money market average is 3.244% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Bethesda, Maryland earner makes $108,033/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.244% APY.
Retirement PlannerA $25,000 money market balance earning 3.244% APY grows to roughly $47,340 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bethesda, Maryland money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Bethesda, 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 Bethesda, 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 Bethesda, Maryland
What is a Money Market Account (MMA)?
Are Money Market accounts in Bethesda, Maryland safe?
How often do MMA rates change in Bethesda, Maryland?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Bethesda, Maryland?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Bethesda, Maryland for money market accounts?
Best Money Market Rates in Bethesda, Maryland
- Presidential Bank
Commercial Money Market Advantage Checking: 3.50% APY - Citizens Bank
Citizens Private Client Money Market - Preferred: 3.50% APY - Forbright
Platinum Business Money Market: 3.46% APY - EagleBank
Eagle Money Market Account: 2.48% APY - Atlantic Union Bank
Performance Money Market: 2.25% APY
Bethesda, Maryland Rates & Resources
