Wenona, Maryland Savings Rates - October 2026
Brian McKay
Brian McKay
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Wenona, Maryland savings account rates range from 1.93% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Wenona, Maryland and the surrounding area include Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★Texas Ratio: 10.28%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 20, 2026 Mission Savings Account at 5.00% APY, EagleBankEagleBankA5.0 ★Texas Ratio: 11.84%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 20, 2026 Eagle High-Yield Savings Account at 4.00% APY, Capital Area Realtors Federal Credit UnionCapital Area Realtors Federal Credit UnionA-5.0 ★Texas Ratio: 15.32%Real return: +0.09%APY minus 3.7% CPIRate verified Oct 23, 2026 Share Savings at 3.79% APY, Presidential BankPresidential BankA-4.9 ★Texas Ratio: 16.48%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 20, 2026 Advantage Savings at 3.75% APY, and CIT BankCIT BankA5.0 ★Texas Ratio: 7.72%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 19, 2026 Platinum Savings at 3.75% APY.
Wenona is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Maryland area are available to Wenona residents, with savings rates as high as 5.00% APY from Andrews Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Wenona, Maryland and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Wenona, Maryland & Surrounding Communities
Qualifying balance up to $5,000.00; Online Only
Savings Accounts
- Sep 27, 20264.00%▲ from 3.70%
- Sep 24, 20263.70%first recorded
Monthly fee: Free
- Oct 23, 20263.79%▲ from 3.75%
- Oct 15, 20263.75%▼ from 3.79%
- Oct 13, 20263.79%▲ from 3.75%
- Oct 5, 20263.75%▼ from 3.79%
Earn 3.75% APY on daily balances when you maintain an Advantage Checking Account
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Qualifications Required; Balance: $0.01; APY applies to balances up to $25,000; balances above $25,000 earn the top-tier main share savings rate; if VIP Checking criteria is not met, rate earned will be the bottom tier main share savings rate
Tier 1; Packaged with Business Premier Checking account; both accounts must be opened and maintained
Balance: next $250,000.00 - $99,999,999.99; Tiered-rate account; Member must maintain at least $50,000 to earn dividends
- Oct 23, 20263.56%▲ from 3.46%
- Oct 15, 20263.46%first recorded
Balance: $250,000.01 and over; Minimum account opening balance $50
Balance: $250,000+
Balance: next $150,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends
Balance: 2nd $50,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends
Balance: $100,000.00-$249,999.99
Balance: $5.00 to $19,999; Only ONE Wellness Builder Savings Account per member; One (1) free withdrawal per month; $25 excess withdrawal fee
- Oct 5, 20263.30%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Earn 3.25% APY without an Advantage Checking Account
- Oct 14, 20263.25%▼ from 3.75%
- Sep 18, 20263.75%first recorded
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Dividends compounded and credited monthly; rates effective as of September 23, 2026
Balance: 1st $50,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends
Balance: $100,000.01 and over; Minimum account opening balance $50
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: $0.01 - $250,000; Dividends compounded and credited monthly; Balances above $250,000 earn the second-tier rate
Balance: $750,000.00 - $999,999.99
Balance: $100,000.00 and above; Relationship bonus rate for the first 90 days
APY is variable and effective 10/19/2026; no fees; no minimum balance required
- Oct 2, 20263.10%▲ from 3.00%
- Sep 18, 20263.00%first recorded
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
Balance: tier starting at $1,000,000; Compounding: Daily
- Oct 3, 20263.00%▲ from 2.90%
- Sep 7, 20262.90%first recorded
$0.01 - $1,500.00; Balance: $0.01 - $1,500.00
Balance: $50,000.01 and over; Minimum account opening balance $50
Balance: $5 - $20,000; Earn 3.00% APY on balances up to $20,000; Available to all 10-month education employees (public or private, Harford County or beyond); Member must live, work, or attend school or church in Harford County or have immediate family at Har-co; Funds transferred from paycheck via payroll and paid out in 4 equal summer payments; Open Online
Qualifying balance up to $20,000.00; Open to all 10 month employees in education - public or private; Member must live, work, or attend school or church in Harford County or have immediate family at Har-co; Automatic bi-weekly transfer to checking in summer; Apply online
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: $0.01 - $4,999.99; variable APY subject to change daily after account opening; APY accurate as of 07/17/2026
Balance: $1,000.01 and over; Minimum account opening balance $50
Balance: $250,000.00 - $499,999.99
Balance: $500,000.00 - $749,999.99; ICS
Balance: $10,000 - $99,999
Balance: All Balances
Balance tier starting at $500,000; Compounding: Daily
- Oct 3, 20262.50%▲ from 2.40%
- Sep 7, 20262.40%first recorded
$1-$10,000; Balance: $1 - $10,000; Available to Baltimore County and Harford County school employees in the public and private sector
Balance: $0.00 and over; Minimum account opening balance $50
Balance: $250,000.00 and over
Balance: $250,000.00 - $499,999.99; ICS
Balance: $0 - $9,999
Balance: $100,000.00 - $249,999.99
Balance: $150,000.00 - $249,999.99
Balance: $1,000,000 and over; Savings & IRA
Balance: $100,000.00 and above; Bonus rate for first 90 days
Relationship Rate; Balance: $10,000.00 - $49,999.99
- Oct 20, 20262.09%▲ from 1.10%
- Oct 14, 20261.10%first recorded
Balance: $50,000.00 - $99,999.99; Bonus rate for first 90 days
- Oct 21, 20262.06%▼ from 3.06%
- Oct 20, 20263.06%▲ from 2.04%
- Oct 14, 20262.04%first recorded
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $0 - $9,999.99; Qualifying balance up to $9,999.99; Enrollment in Signal Smart Plus required
Balance: $0.00 - $100,000.00; Balances over $100,000.00 earn 0.25% dividend rate, 2.00% to 1.13% APY depending on balance; If qualifications not met: 0.05% APY on entire balance; Monthly qualifications apply
Balance: $0 to $10,000.00; Dividend rates may change after account is opened.
ABL Campus Employees; Must show proof of employment with valid ABL badge.
Balance: $75,000.00 - $149,999.99
Balance: First $500
Balance: $500,000 - $999,999; Savings & IRA
Savings Accounts
- Sep 27, 20261.93%▲ from 1.68%
- Sep 24, 20261.68%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Wenona, MD Savings Rate Trends
Compare local Wenona, MD savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Maryland high-yield savings rates rose 0.215 points over the past 7 days to 2.407% APY, up from 2.192%.
Maryland standard savings rates fell 0.086 points over the past 7 days to 0.467% APY, down from 0.553%.
Wenona, Maryland Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current MD high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 2.407% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Wenona, Maryland.
Savings Account Earnings in Wenona, Maryland
Annual interest earnings at current MD average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.407% APY) | Monthly Earnings | Standard Savings (0.467% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $120.33 / year | $10.03 | $23.36 / year | $1.95 |
| $10,000 | $240.66 / year | $20.06 | $46.72 / year | $3.89 |
| $25,000 | $601.65 / year | $50.14 | $116.80 / year | $9.73 |
| $50,000 | $1,203.30 / year | $100.27 | $233.60 / year | $19.47 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Wenona, Maryland savings rate averages as of October 25, 2026. | ||||
About Our Wenona, Maryland Savings Rate Database
MonitorBankRates tracks savings rate offers from 28 banks and credit unions available to Wenona, Maryland residents via statewide and national offers. No branch locations physically in Wenona are currently in our database, but all listed offers are open to Wenona 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 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: Andrews Federal Credit Union offers a savings account at 5.00% APY. Use the rate table above to compare all current offers in Wenona, Maryland.
How to Find the Best Savings Rates in Wenona, Maryland
What to compare when shopping for a savings account in Wenona, Maryland
To find the best savings APYs in Wenona, Maryland, start with credit unions and online-only banks: Wenona, Maryland has 18 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current MD high-yield savings average is 2.407% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Wenona, Maryland high-yield savings rates currently average 2.407% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Wenona, Maryland institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 28 institutions in Wenona, Maryland report savings 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 Wenona, Maryland CD rates
- You want check-writing flexibility Wenona, Maryland money market rates
- You need daily transaction access Wenona, 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 savings average of 2.407%, saving 10% of the local median salary ($5,698/year) would earn an additional $137 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Wenona, Maryland Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Wenona, Maryland.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MD Avg APY | 2.407% | 0.467% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Wenona, 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.
Savings Calculators for Wenona, Maryland
At MD’s top rate of 5.00% from Andrews Federal Credit Union, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Wenona, Maryland earner is roughly $14,200. At 2.407% APY, saving $1,190/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsMaryland’s high-yield savings average is 2.407% APY, variable and always accessible. 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 Wenona, Maryland earner makes $56,984/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.407% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.407% APY grows to roughly $40,225 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 Wenona, Maryland savings 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 Savings Rate Data: We aggregate savings account rates for Wenona, 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 savings 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 Wenona, Maryland. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Wenona, Maryland
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Wenona, Maryland safe?
How often do savings rates change in Wenona, Maryland?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Wenona, Maryland?
How do I open a savings account in Wenona, Maryland?
Best Savings Rates in Wenona, Maryland
- Andrews Federal Credit Union
Mission Savings Account: 5.00% APY - EagleBank
Eagle High-Yield Savings Account: 4.00% APY - Capital Area Realtors Federal Credit Union
Share Savings: 3.79% APY - Presidential Bank
Advantage Savings: 3.75% APY - CIT Bank
Platinum Savings: 3.75% APY
Wenona, Maryland Rates & Resources
