Best Money Market Rates in Secretary, Maryland - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Secretary, Maryland and the surrounding area money market deposit account rates include Har-co Credit UnionHar-co Credit UnionA5.0 ★Texas Ratio: 7.51%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Advantage Money Market at 4.00% APY, CFG BankCFG BankA5.0 ★Texas Ratio: 10.06%Real return: +1.00%APY minus 2.8% CPI (February 2026) CFG High Yield Money Market In Branch at 3.80% APY, WesBanco BankWesBanco BankA+5.0 ★Texas Ratio: 1.63%Real return: +0.95%APY minus 2.8% CPI (February 2026) Money Market special at 3.75% APY, Transit Employees Federal Credit UnionTransit Employees Federal Credit UnionA+5.0 ★Texas Ratio: 2.11%Real return: +0.95%APY minus 2.8% CPI (February 2026) Paramount Money Market at 3.75% APY, and Harford BankHarford BankA5.0 ★Texas Ratio: 11.55%Real return: +0.80%APY minus 2.8% CPI (February 2026) Community Money Market Account at 3.60% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Secretary is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Maryland area are available to Secretary residents, with money market rates as high as 4.00% APY from Har-co Credit Union. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Secretary, Maryland and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Secretary, Maryland & the Surrounding Area
Guaranteed through June 30th, 2026. Maximum balance may not exceed $250,000. After June 30th 2026, the rate will default to the posted money market rate at that time. The APY will be based upon your account balance. Available to members who open or maintain a Business Savings Account.
May add deposits at anytime. See below for account details.
May add deposits at anytime, no check writing privileges. See below for account details.
The rates for the High Yield Money Market are variable and subject to change.
$25,000 or more
Earn 1.50% APY* on Higher Balances
On Balances Between $25,000 and $250,000. Earn 1.50% APY* on Higher Balances Earn 0.10% APY* on Average Daily Balances under $25,000.
Preferred rates
Preferred rates
Preferred Rates require $25,000 not currently on deposit with Citizens.
Click for full details.
Intro rate APY 3.50%
$15,000+; Intro rate
Bonus Rate for the first 90 days: $1,000,000.00 and above
Bonus Rate for the first 90 days: $750,000.00 - $999,999.99
Bonus Rate (Relationship) for the first 90 days: $100,000.00 and above
Bonus Rate (Relationship) for the first 90 days: $50,000.00 - $99,999.99
Relationship Rate; $50,000.00 - $99,999.99
Bonus Rate for the first 90 days: $500,000.00 - $749,999.99
May add deposits at anytime, check writing allowed, and ATM card issues upon request.
Bonus Rate for the first 90 days: $250,000.00 - $499,999.99
Bonus Rate for the first 90 days: $100,000.00 - $249,999.99
Earn interest on the account, but your money is readily available too. Flexible access by writing checks or using an ATM. Earn an attractive rate of interest with two tier levels.
Bonus Rate (Relationship) for the first 90 days: $10,000.00 - $49,999.99
Bonus Rate for the first 90 days: $50,000.00 - $99,999.99
New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU
Bonus Rate (Standard) for the first 90 days: $100,000.00 and above
Relationship Rate; $10,000.00 - $49,999.99
Bonus Rate (Standard) for the first 90 days: $50,000.00 - $99,999.99
$50,000.00 - $99,999.99
New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU
For balances greater than $50,000
For balances greater than $50,000
For balances from $20,000 to $49,999
For balances from $20,000 to $49,999
Balances $100,000.00 or greater
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened.
Dividends are compounded daily and paid monthly. If a balance of less than $2,500 is maintained, there is no penalty, but dividends are not paid on the account.
Balances $50,000.00 to $99,999.99
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened.
New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU
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.
Secretary, MD Money Market Rate Trends
Compare local Secretary, 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 0.020 points over the past 7 days to 3.196% APY.
Maryland standard MMA rates rose 0.034 points over the past 7 days to 0.887% APY.
Secretary, 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 2026–2027.
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 3.196% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
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 Secretary, Maryland.
Money Market Account Earnings in Secretary, 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 (3.196% APY) | Monthly Earnings | Standard MMA (0.887% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $319.57 / year | $26.63 | $88.66 / year | $7.39 |
| $25,000 | $798.93 / year | $66.58 | $221.65 / year | $18.47 |
| $50,000 | $1,597.85 / year | $133.15 | $443.30 / year | $36.94 |
| $100,000 | $3,195.70 / year | $266.31 | $886.60 / year | $73.88 |
| 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: Secretary, Maryland money market rate averages as of August 30, 2026. | ||||
Available in Secretary, Maryland Area
About Our Secretary, Maryland Money Market Rate Database
MonitorBankRates tracks money market rate offers from 42 banks and credit unions available to Secretary, Maryland residents via statewide and national offers. No branch locations physically in Secretary are currently in our database, but all listed offers are open to Secretary depositors. 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 (1–5), 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: Har-co Credit Union offers a money market account at 4.00% APY with a minimum deposit of $2,000. Use the rate table above to compare all current offers in Secretary, Maryland.
How to Find the Best Money Market Rates in Secretary, Maryland
What to compare when shopping for a money market account in Secretary, Maryland
To find the best money market APYs in Secretary, Maryland, start with credit unions and online-only banks — Secretary, Maryland has 23 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–$25,000, with lower rates (or monthly fees) below that threshold. The current MD high-yield money market average is 3.196% — but top local institutions are offering as high as 4.00%, 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. Secretary, Maryland high-yield money market rates currently average 3.196% 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 Secretary, Maryland institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 42 institutions in Secretary, 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 → Secretary, Maryland CD rates
- You don’t need check writing and want a lower minimum → Secretary, Maryland savings rates
- You need daily transaction access → Secretary, Maryland checking rates
Maryland Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau (state-level data shown — city data not available)
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s MD high-yield money market average of 3.196%, saving 10% of the local median salary ($5,698/year) would earn an additional $182 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Secretary, Maryland Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Secretary, Maryland.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MD Avg APY | 3.196% | View Savings Rates | 0.887%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Secretary, Maryland averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Secretary, 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 Secretary, 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 Secretary, Maryland
At MD’s top money market rate of 4.00% from Har-co Credit Union, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Secretary, Maryland earner is roughly $14,200. At 3.196% APY in a money market account, saving $1,190/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 3.196% 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 Secretary, Maryland earner makes $56,984/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.196% APY.
Retirement PlannerA $25,000 money market balance earning 3.196% APY grows to roughly $46,900 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 Secretary, 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 Secretary, 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 Secretary, 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 Secretary, Maryland
What is a Money Market Account (MMA)?
Are Money Market accounts in Secretary, Maryland safe?
How often do MMA rates change in Secretary, Maryland?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Secretary, 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 Secretary, Maryland for money market accounts?
Best Money Market Rates in Secretary, Maryland
- Har-co Credit Union
Business Advantage Money Market — 4.00% APY - CFG Bank
CFG High Yield Money Market In Branch — 3.80% APY - WesBanco Bank
Money Market special — 3.75% APY - Transit Employees Federal Credit Union
Paramount Money Market — 3.75% APY - Harford Bank
Community Money Market Account — 3.60% APY
Secretary, Maryland Rates & Resources
