Best Money Market Rates in Silver Spring, Maryland (MD) - March 2026
Content reviewed by
Brian McKay
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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 Silver Spring, Maryland and the surrounding area money market 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, 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, Citizens BankCitizens Bank8252 Georgia Ave, Silver Spring, MD 20910A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, and BayVanguard BankBayVanguard Bank304 High St, Cambridge, MD 21613A+5.0 ★Texas Ratio: 2.54% Business Premier Money Market Savings at 3.73% APY. Money market rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these money market rates in Silver Spring, Maryland and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Silver Spring, Maryland (MD) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Silver Spring, Maryland and surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Money Market Rates Today in Silver Spring, Maryland & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
8252 Georgia Ave, Silver Spring, MD 20910
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
8252 Georgia Ave, Silver Spring, MD 20910
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
8677 Georgia Ave, Silver Spring, MD 20910
Eagle Money Market Account
2.33%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Traditional, Roth, Education
Atlantic Union Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
14241 Layhill Rd, Silver Spring, MD 20906
Performance Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Traditional, Roth, Education
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
8677 Georgia Ave, Silver Spring, MD 20910
Eagle Money Market Account
2.13%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 Accounts & IRAs
2.10%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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—
UpdatedMar 25, 2026
Details
Includes Traditional, Roth & Education IRAs
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—
UpdatedMar 25, 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
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Traditional, Roth, Education
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
Money Market Accounts & IRAs
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
for balances from $20,000 - $49,999
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—
UpdatedMar 25, 2026
Details
For balances from $20,000 to $49,999
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—
UpdatedMar 25, 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—
UpdatedMar 25, 2026
Details
Includes Traditional, Roth & Education IRAs
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
Money Market Accounts & IRAs
1.87%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
for balances from $100 - $19,999
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
8380 Colesville Rd Ste 201, Silver Spring, MD 20910
Premium Money Market 1
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
10157 New Hampshire Ave, Silver Spring, MD 20903
Commercial Money Market Account
1.70%
$1,500
▼
Rate1.69%
Min Deposit$1,500
Min Balance—
UpdatedMar 27, 2026
Details
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—
UpdatedMar 27, 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—
UpdatedMar 25, 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—
UpdatedMar 25, 2026
Details
May add deposits at anytime. See below for account 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
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.73%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Guaranteed rate for the first 90 days.
Glen Burnie MSB
Institution Rating:
A5.0 ★ Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
Money Market ADVANTAGE Account
3.66%
$25,000
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedMar 21, 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
3.66%
$25,000
▼
Rate3.60%
Min Deposit$25,000
Min Balance—
UpdatedMar 21, 2026
Details
($25,000 or more)
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—
UpdatedMar 27, 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—
UpdatedMar 27, 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—
UpdatedMar 26, 2026
Details
minimum new money deposit of $10,000
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Platinum Money Market Account
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Eligible for a preferred pricing rate bonus
Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
4520 East West Hwy, Bethesda, MD 20814
Money Market Advantage Checking
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
On Balances Between $25,000 and $250,000.
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—
UpdatedMar 25, 2026
Details
$15,000+
Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
9800 TECHNOLOGY WAY, LARGO, MD 20774
Premium Insured Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Forbright
Institution Rating:
A-5.0 ★ Texas Ratio: 15.52%
1700 Rockville Pike, Rockville, MD 20852
Platinum Business Money Market
3.45%
$2,500
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details
1
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.22%
$0
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate for the first 90 days
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.15%
$0
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate for the first 90 days
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.13%
$0
▼
Rate3.08%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
3.13%
$0
▼
Rate3.08%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate (Relationship) for the first 90 days
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—
UpdatedMar 25, 2026
Details
May add deposits at anytime, check writing allowed, and ATM card issued upon request
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
3.07%
$0
▼
Rate3.08%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate (Relationship) for the first 90 days
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
3.06%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.04%
$0
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate for the first 90 days
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—
UpdatedMar 26, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Personal Premier Money Market Savings
2.98%
$0
▼
Rate2.94%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
2.98%
$0
▼
Rate2.94%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Business Premier Money Market Savings
2.97%
$0
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Personal Premier Money Market Savings
2.94%
$0
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Personal Premier Money Market Savings
2.91%
$0
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Business Premier Money Market Savings
2.88%
$0
▼
Rate2.84%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Personal Premier Money Market Savings
2.88%
$0
▼
Rate2.84%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
2.85%
$0
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate for the first 90 days
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—
UpdatedMar 21, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
2.73%
$0
▼
Rate2.69%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Business Premier Money Market Savings
2.73%
$0
▼
Rate2.69%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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—
UpdatedMar 27, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
2.58%
$0
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate for the first 90 days
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—
UpdatedMar 24, 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
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ACNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
213 Main St, New Windsor, MD 21776
SELECT MONEY MARKET ACCOUNT
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
ACNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
213 Main St, New Windsor, MD 21776
2.50% APY Select Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 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—
UpdatedMar 24, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Business Premier Money Market Savings
2.48%
$0
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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—
UpdatedMar 22, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
2.38%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
2.35%
$0
▼
Rate3.08%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate (Relationship) for the first 90 days
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
2.33%
$0
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate for the first 90 days
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—
UpdatedMar 22, 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—
UpdatedMar 24, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
High Yield Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$750,000 and up
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
High Yield Money Market
2.25%
$75,000
▼
Rate—
Min Deposit$75,000
Min Balance—
UpdatedMar 25, 2026
Details
For balances $750,000 and above.
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
2.13%
$0
▼
Rate2.11%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate (Standard) for the first 90 days; $100,000.00 and above
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Premier Money Market Savings
2.13%
$0
▼
Rate2.11%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$100,000.00 and above
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—
UpdatedMar 22, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
2.09%
$0
▼
Rate2.07%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BayVanguard Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
2.06%
$0
▼
Rate2.11%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bonus Rate (Standard) for the first 90 days; $50,000.00 - $99,999.99
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—
UpdatedMar 24, 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
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
High Yield Money Market Account
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$500,000 - $749,999.99
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
IRA Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Premier Advantage Money Market (PAMMA)
1.95%
$25,000
▼
Rate1.93%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 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—
UpdatedMar 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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—
UpdatedMar 22, 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
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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—
UpdatedMar 25, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Premier Advantage Money Market (PAMMA)
1.80%
$25,000
▼
Rate1.79%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
54 QUEEN CITY DR, CUMBERLAND, MD 21502
Money Market Deposit Accounts (MMDA)
1.80%
$0
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1305 S Salisbury Blvd, Salisbury, MD 21801 6845
Money Market Club Account
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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—
UpdatedMar 22, 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—
UpdatedMar 21, 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—
UpdatedMar 22, 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.
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—
UpdatedMar 28, 2026
Details
Rates are variable and are subject to change at any time.
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—
UpdatedMar 22, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Premier Plus Money Market (PPMMA)
1.70%
$40,000
▼
Rate1.69%
Min Deposit$40,000
Min Balance—
UpdatedMar 28, 2026
Details
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1305 S Salisbury Blvd, Salisbury, MD 21801 6845
Money Market Club Account
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
Premier Money Market (PMMA)
1.65%
$10,000
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 Silver Spring, 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.
Silver Spring, MD Money Market Rate Trends
Compare local Silver Spring, MD MMA rate quotes against the statewide average
Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — MD Avg
1.378%
▼ 0.195 from last week
Maryland high-yield MMA rates fell 0.195 points this week to 1.378% APY, down from 1.573% last week.
Standard MMA — MD Avg
1.177%
▲ 0.144 from last week
Maryland standard MMA rates rose 0.144 points this week to 1.177% APY, up from 1.032% last week.
As of Mar 28, 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 account rates for Silver Spring, 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 Silver Spring, 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 Silver Spring, Maryland
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings 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 Silver Spring, 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 Silver Spring, 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.
Best Money Market Rates in Silver Spring, Maryland
Here are some of the highest money market account APYs currently available in Silver Spring, Maryland and the surrounding area:
- Har-co Credit Union
Business Advantage Money Market — 4.00% APY - CFG Bank
CFG High Yield Money Market In Branch — 3.80% APY - Transit Employees Federal Credit Union
Paramount Money Market — 3.75% APY - Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - BayVanguard Bank
Business Premier Money Market Savings — 3.73% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Silver Spring, Maryland. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
