Salisbury, Maryland Money Market Rates - October 2026
Brian McKay
Brian McKay
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Salisbury, Maryland money market account rates range from 0.04% to 4.05% APY, verified by MonitorBankRates as of October 23, 2026. Current Salisbury, Maryland and the surrounding area money market deposit account rates include Partners 1st Federal Credit UnionPartners 1st Federal Credit Union2300 Northwood Dr, Salisbury, MD 21801A+5.0 ★Texas Ratio: 5.29%Real return: -0.05%APY minus 3.7% CPIRate verified Oct 23, 2026 Business Money Market Account at 3.65% APY, Tidemark Federal Credit UnionTidemark Federal Credit Union1305 S Salisbury Blvd, Salisbury, MD 21801 6845A+5.0 ★Texas Ratio: 1.21%Real return: -2.19%APY minus 3.7% CPIRate verified Oct 23, 2026 High Yield Money Market at 1.51% APY, First Shore Federal S&LFirst Shore Federal S&L106 S Division St, Salisbury, MD 21801A+5.0 ★Texas Ratio: 3.97%Real return: -3.20%APY minus 3.7% CPIRate verified Oct 21, 2026 Gold Money Market at 0.50% APY, Woodforest National BankWoodforest National Bank323 S Arlington St, Salisbury, NC 28144A-5.0 ★Texas Ratio: 14.96%Real return: -3.40%APY minus 3.7% CPIRate verified Oct 20, 2026 Money Market at 0.30% APY, and PNC BankPNC Bank301 Civic Ave, Salisbury, MD 21804A+5.0 ★Texas Ratio: 4.24%Real return: -3.62%APY minus 3.7% CPIRate verified Oct 20, 2026 Premiere Money Market Account - Platinum Tier at 0.08% APY. Money market rates as of October 23, 2026 according to verified data from MonitorBankRates.
Salisbury has 5 local institutions in our database, with money market rates as high as 3.65% APY from Partners 1st Federal Credit Union at 2300 Northwood Dr, Salisbury, MD 21801. 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 Salisbury, Maryland and surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Money Market Rates Today in Salisbury, Maryland & the Surrounding Area
Balance: $1,000,000+
Balance: $500,000.00 - $999,999.99
Balance: $250,000.00 - $499,999.99
Balance: $250,000+; No limit or fee for withdrawals
Balance: $250,000+; Dividends Compounded: Monthly; Dividend Period: Monthly (calendar); Balance Method: Average Daily Balance
- Oct 9, 20261.51%▲ from 1.50%
- Oct 5, 20261.50%first recorded
Balance: $100,000 to < $250,000; No limit or fee for withdrawals
Balance: $100,000 to < $250,000; Dividends Compounded: Monthly; Dividend Period: Monthly (calendar); Balance Method: Average Daily Balance
- Oct 9, 20261.41%▲ from 1.40%
- Oct 5, 20261.40%▼ from 1.41%
- Sep 14, 20261.41%first recorded
Balance: $50,000 to < $100,000; No limit or fee for withdrawals
Balance: $50,000 to < $100,000; Dividends Compounded: Monthly; Dividend Period: Monthly (calendar); Balance Method: Average Daily Balance
Balance: $10,000 to < $50,000; No limit or fee for withdrawals
Balance: $10,000 to < $50,000; Dividends Compounded: Monthly; Dividend Period: Monthly (calendar); Balance Method: Average Daily Balance
Balance: $1,000 to < $10,000; No limit or fee for withdrawals
Balance: $1,000 to < $10,000; Dividends Compounded: Monthly; Dividend Period: Monthly (calendar); Balance Method: Average Daily Balance
Balance: $100,000.00 - $249,999.99
Term: No Term/Monthly Compounding; Minimum to earn interest: $25,000.00
Term: No Term/Monthly Compounding; Minimum to earn interest: $2,500.00
Balance: $100,000.00 and over; Dividends paid monthly; Rates as of 09/01/2026
Balance: $0.01 required to earn APY; Transaction Limits: Limited
Balance: $25,000.00 - $99,999.99
Balance: $25,000.00 - $99,999.99; Dividends paid monthly; Rates as of 09/01/2026
Balance: $5,000.00 - $24,999.99
Balance: $1,000.00 - $24,999.99; Dividends paid monthly; Rates as of 09/01/2026
Balance: $100,000.00 - $249,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $100,000.00 - $249,999.99; Select Tier: Gold Tier ($100,000 to $499,999.99)
Balance: $1.00 - $9,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $1.00 - $9,999.99; Select Tier: Gold Tier ($100,000 to $499,999.99)
Balance: $100,000.00 - $249,999.99; Select Tier: Silver Tier ($25,000 to $99,999.99)
Balance: $1.00 - $9,999.99; Select Tier: Silver Tier ($25,000 to $99,999.99)
- Oct 20, 20260.05%▼ from 0.06%
- Oct 2, 20260.06%first recorded
Balance: $1.00 - $9,999.99
Balance: $0.00 - $999.99; Dividends paid monthly; Rates as of 09/01/2026
Balance: $1,000+; May add deposits at anytime. See below for account details.; In Branch
Balance: $1,000+; May add deposits at anytime, no check writing privileges. See below for account details.
Click for full details.
Balance: over $25,000; guaranteed through December 31st, 2026; maximum balance $250,000; available to members who open or maintain a Business Savings Account; $2,000 minimum balance required to avoid minimum balance fee
Balance: $150,000 and over
- 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; Balance method: Average Daily Balance
Balance: $75,000 - $149,999.99
- 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: $5,000,000 +
Balance: $50,000 - $74,999.99
- 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%
Balance: $25,000 or more
Balance: $25,000.00 - $500,000.00; Earn 1.50% APY on higher balances; Earn 0.10% APY on average daily balances under $25,000; Mail-in application
- Oct 7, 20263.50%▲ from 1.50%
- Sep 27, 20261.50%first recorded
Balance: $25,000.00 - $250,000.00
Balance: $25,000 - $49,999; Preferred Rates require $25,000 not currently on deposit with Citizens; Rates accurate as of 10/19/2026
Balance: Over $100,000
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $0.00 to $2,499.99; Money Market Special: 3.50% APY on all balances through December 28, 2026; A minimum opening deposit of $2,500 is required
New and existing Money Market accounts earn 3.50% APY on all balances through December 28, 2026; Promotional rate
Relationship balance of $250,000 must be maintained; if it falls below $250,000 the account may be converted to a Bright Business Savings Account
Balance: $1,500,000 and above; Tier 9
Balance: $1,000,000.00 and above; Bonus rate for the first 90 days
Balance: $1,000,000.00 and above
Balance: $750,000.00 - $999,999.99; Bonus rate for the first 90 days
Balance: $750,000.00 - $999,999.99
Balance: $100,000.00 and above; Relationship bonus rate for the first 90 days
Balance: $50,000.00 - $99,999.99; Relationship bonus rate for the first 90 days
- Oct 20, 20263.07%▼ from 3.08%
- Oct 14, 20263.08%first recorded
Relationship Rate; Balance: $50,000.00 - $99,999.99
- Oct 20, 20263.06%▲ from 2.04%
- Oct 14, 20262.04%first recorded
May add deposits at anytime, check writing allowed, and ATM card issues upon request.
Tier T1; Average daily balance to obtain A.P.Y.: $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: $200,000.00 or more; A minimum opening deposit of $100 is required
Balance: $500,000.00 - $749,999.99
Balance: $1,000,000.00 and above
- Oct 21, 20262.98%▼ from 3.22%
- Oct 20, 20263.22%▲ from 2.98%
- Sep 7, 20262.98%first recorded
Balance: $1,000,000.00 and above; ICS
Balance: $750,000.00 - $999,999.99
Balance: $500,000.00 - $749,999.99
Balance: $750,000.00 - $999,999.99; ICS
Balance: $250,000.00 - $499,999.99
Balance: $100,000.00 to $199,999.99; Dividends compounded monthly; Balance method: Average Daily Balance
Balance: $250,000.00 - $499,999.99
Balance: $500,000.00 - $749,999.99; ICS
Balance: $75,000.01 and up
Featured as "2.50% APY Select Money Market Account" on page; tier details not shown on this page
Tier T2; Average daily balance to obtain A.P.Y.: $200,000
Balance: $100,000.00 to $199,999.99; A minimum opening deposit of $100 is required
Balance: $500,000.00 and up
Balance: $250,000.00 - $499,999.99; ICS
Balance: $1,000,000 - $1,499,999; Tier 8
Balance: $100,000.00 - $249,999.99
Balance: $100,000 and more; Dividends compounded and credited monthly; Rates stated are variable
Balance: $250,000.00 - $499,999.99
Balance: $25,000.01 - $75,000.00
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; not available for business accounts
Balance: $1,000,000 and over; Savings & IRA
Min. Balance: $100,000
- 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
Balance: $500,000 - $749,999.99; New money requirement - at least 50% of the opening deposit must come from funds not already on deposit with APGFCU
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: $500,000 - $999,999; Savings & IRA
Balance: $20,000 - $49,999; Includes Traditional, Roth & Education IRAs
Balance: $20,000 - $49,999
Balance: $250,000.00 - $499,999.99
Balance: $100 - $19,999; Includes Traditional, Roth & Education IRAs
Balance: $2,500 - $19,999
Balance: $175,000.00 - $249,999.99
Balance: $0.01 - $99,999.99; Dividends compounded and credited monthly; Rates stated are variable
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.
Salisbury, MD Money Market Rate Trends
Compare local Salisbury, 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 0.016 points over the past 7 days to 3.228% APY.
Maryland standard MMA rates fell 0.001 points over the past 7 days to 0.687% APY.
Salisbury, 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 3.228% 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 Salisbury, Maryland.
Money Market Account Earnings in Salisbury, 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 (3.228% APY) | Monthly Earnings | Standard MMA (0.687% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $322.80 / year | $26.90 | $68.66 / year | $5.72 |
| $25,000 | $807.00 / year | $67.25 | $171.65 / year | $14.30 |
| $50,000 | $1,614.00 / year | $134.50 | $343.30 / year | $28.61 |
| $100,000 | $3,228.00 / year | $269.00 | $686.60 / year | $57.22 |
| 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: Salisbury, Maryland money market rate averages as of October 25, 2026. | ||||
About Our Salisbury, Maryland Money Market Rate Database
MonitorBankRates found 5 institutions with branches in Salisbury (3 banks, 2 credit unions), plus 43 additional state-chartered and national online institutions available to Salisbury 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: Partners 1st Federal Credit Union offers a money market account at 3.65% APY. Use the rate table above to compare all current offers in Salisbury, Maryland.
How to Find the Best Money Market Rates in Salisbury, Maryland
What to compare when shopping for a money market account in Salisbury, Maryland
To find the best money market APYs in Salisbury, Maryland, start with credit unions and online-only banks: Salisbury, Maryland has 25 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 3.228% but top local institutions are offering as high as 3.65%, 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. Salisbury, Maryland high-yield money market rates currently average 3.228% 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 Salisbury, Maryland institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 48 institutions in Salisbury, Maryland report money market rates to our database.
- 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 Salisbury, Maryland CD rates
- You don’t need check writing and want a lower minimum Salisbury, Maryland savings rates
- You need daily transaction access Salisbury, Maryland checking rates
Salisbury, Maryland Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
13.3% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 8.8% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s MD high-yield money market average of 3.228%, saving 10% of the local median salary ($3,061/year) would earn an additional $99 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Salisbury, Maryland Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Salisbury, Maryland.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MD Avg APY | 3.228% | View Savings Rates | 0.687%(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 Salisbury, Maryland averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Salisbury, 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 Salisbury, 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 Salisbury, Maryland
At MD’s top money market rate of 3.65% from Partners 1st Federal Credit Union, a $10,000 deposit earns $365 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Salisbury, Maryland earner is roughly $7,700. At 3.228% APY in a money market account, saving $640/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 3.228% 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 Salisbury, Maryland earner makes $30,618/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.228% APY.
Retirement PlannerA $25,000 money market balance earning 3.228% APY grows to roughly $47,194 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 Salisbury, 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 Salisbury, 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 Salisbury, 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 Salisbury, Maryland
What is a Money Market Account (MMA)?
Are Money Market accounts in Salisbury, Maryland safe?
How often do MMA rates change in Salisbury, Maryland?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Salisbury, 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 Salisbury, Maryland for money market accounts?
Best Money Market Rates in Salisbury, Maryland
- Partners 1st Federal Credit Union
Business Money Market Account: 3.65% APY - Tidemark Federal Credit Union
High Yield Money Market: 1.51% APY - First Shore Federal S&L
Gold Money Market: 0.50% APY - Woodforest National Bank
Money Market: 0.30% APY - PNC Bank
Premiere Money Market Account - Platinum Tier: 0.08% APY
Salisbury, Maryland Rates & Resources
