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Best Money Market Rates in Frederick, Maryland (MD) - May 2026

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Brian McKay Brian McKay
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| ✓Fact Checked | Last Updated: May 12, 2026

Current Frederick, Maryland and the surrounding area money market deposit account rates include Fulton BankFulton Bank5211 Presidents Ct, Frederick, MD 21703A+5.0 ★Texas Ratio: 4.98% Money Market New Money at 3.55% APY, Presidential BankPresidential Bank14 W Patrick St, Frederick, MD 21701A5.0 ★Texas Ratio: 9.69% Money Market Advantage Checking at 3.50% APY, TruistTruist5280 Corporate Dr, Frederick, MD 21703A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, ACNB BankACNB Bank2 N Market St, Frederick, MD 21701A+5.0 ★Texas Ratio: 1.71% SELECT MONEY MARKET at 2.50% APY, and Patriot Federal Credit UnionPatriot Federal Credit Union5099 Corporate Dr, Frederick, MD 21703A+5.0 ★Texas Ratio: 1.86% Credit Union Insured Money Market Account (CUIMMA) at 1.75% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Frederick has 6 local institutions in our database, with money market rates as high as 3.55% APY from Fulton Bank at 5211 Presidents Ct, Frederick, MD 21703. Use the table below to compare all available offers, including options from institutions serving the broader Maryland area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Frederick, Maryland and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Frederick, Maryland & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Money Market New Money
3.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Promotional Money Market Account
3.55%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details

minimum new money deposit of $10,000.

Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
14 W Patrick St, Frederick, MD 21701
Money Market Advantage Checking
3.50%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

On Balances Between $25,000 and $250,000.

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
5280 Corporate Dr, Frederick, MD 21703
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

ACNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2 N Market St, Frederick, MD 21701
SELECT MONEY MARKET
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Flexible and Interest Earning

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Platinum Money Market
1.95%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
Credit Union Insured Money Market Account (CUIMMA)
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Platinum Money Market
1.64%
$0
View
▼
Rate1.63%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
Credit Union Insured Money Market Account (CUIMMA)
1.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
Credit Union Insured Money Market Account (CUIMMA)
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
Credit Union Insured Money Market Account (CUIMMA)
1.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
Credit Union Insured Money Market Account (CUIMMA)
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Platinum Money Market
0.94%
$0
View
▼
Rate0.94%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.74%
$0
View
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.67%
$0
View
▼
Rate0.67%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Platinum Money Market
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.46%
$0
View
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.41%
$0
View
▼
Rate0.41%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
IRA Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Platinum Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Platinum Money Market
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.33%
$0
View
▼
Rate0.33%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
14 W Patrick St, Frederick, MD 21701
Money Market Checking
0.30%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

Earn 0.30% on Balances $10,000 and over

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.28%
$0
View
▼
Rate0.28%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
14 W Patrick St, Frederick, MD 21701
Money Market Checking
0.25%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

Earn 0.25% APY* on Balances $1,000 to $9,999.99

Nymeo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
5210 Chairmans Ct, FREDERICK, MD 21703
Money Market Accounts
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
Business Advantage Money Market
4.00%
$2,000
View
▼
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%
CFG High Yield Money Market In Branch
3.80%
$1,000
View
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

May add deposits at anytime. See below for account details.

CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
CFG High Yield Money Market Online
3.80%
$1,000
View
▼
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.

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
View
▼
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%
Citizens Quest® Money Market
3.75%
$0
View
▼
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%
Paramount Money Market
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
3.65%
$0
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 9
3.60%
$100
View
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

Glen Burnie MSB
Institution Rating:
A5.0 ★ Texas Ratio: 9.65%
Money Market ADVANTAGE Account
3.51%
$25,000
View
▼
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%
Money Market ADVANTAGE Account
3.51%
$25,000
View
▼
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%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000+

WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Money Market Special
3.50%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details

With a minimum of $25k new money

CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
ICS Money Market
3.10%
$250,000
View
▼
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%
Local Advantage Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
2.90%
$0
View
▼
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%
Paramount Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Local Advantage Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Eagle Money Market Account and up
2.33%
$0
View
▼
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%
Money Market Accounts
2.30%
$0
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Eagle Money Market Account
2.13%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$250,000.00 - $499,999.99

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Money Market Account
2.10%
$0
View
▼
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%
IRA Money Market Accounts
2.10%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Includes Traditional, Roth & Education IRAs

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Eagle Money Market Account
2.03%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$0.00 - $249,999.99

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
IRA Money Market Accounts
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Includes Traditional, Roth & Education IRAs

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

For balances from $20,000 to $49,999

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 8
2.00%
$100
View
▼
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%
Local Advantage Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.91%
$0
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
IRA Money Market Accounts
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Includes Traditional, Roth & Education IRAs

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Money Market Account
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

For balances from $2,500 to $19,999

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Premium High-Yield Money Market Account
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.05%
Money Market
1.76%
$2,500
View
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
Premium Money Market 1
1.75%
$0
View
▼
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%
Paramount Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Money Market
1.75%
$0
View
▼
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.

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.71%
$0
View
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
Commercial Money Market Account
1.70%
$1,500
View
▼
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%
Money Market
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
Money Market
1.60%
$0
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.05%
Money Market
1.51%
$2,500
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

APL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
IRA MONEY MARKET
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
Commercial Money Market Account
1.50%
$1,500
View
▼
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%
Money Market Savings Tier 6
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
1.50%
$0
View
▼
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%
Gold Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 5
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
1.40%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
1.40%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
Money Market
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
MONEY MARKET
1.39%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Money Market Accounts
1.39%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

$1,000,000 or more

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 4
1.30%
$0
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 7
1.30%
$100
View
▼
Rate1.29%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
1.25%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
1.25%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 6
1.25%
$100
View
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 3
1.20%
$0
View
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 2
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 1
1.05%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

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 Frederick, 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.

Frederick, MD Money Market Rate Trends

Compare local Frederick, 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.

View Full Maryland MMA Trends →
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 Frederick, 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 Frederick, 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 Frederick, 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 Frederick, 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 Frederick, 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 Frederick, 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 Frederick, 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 Frederick, Maryland

Here are some of the highest money market account APYs currently available in Frederick, Maryland and the surrounding area:
  • Fulton Bank
    Money Market New Money — 3.55% APY
  • Presidential Bank
    Money Market Advantage Checking — 3.50% APY
  • Truist
    Small Business Money Market Account — 3.40% APY
  • ACNB Bank
    SELECT MONEY MARKET — 2.50% APY
  • Patriot Federal Credit Union
    Credit Union Insured Money Market Account (CUIMMA) — 1.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Frederick, Maryland. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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