MonitorBankRates
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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Best Money Market Rates in Maryland - June 2026

Current Maryland money market deposit account rates include 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, WesBanco BankWesBanco Bank26500 Ridge Rd, Damascus, MD 20872A+5.0 ★Texas Ratio: 1.63% Money Market special at 3.75% APY, Transit Employees Federal Credit UnionTransit Employees Federal Credit Union6404 Ivy Ln Ste 510, Greenbelt, MD 20770 1426A+5.0 ★Texas Ratio: 2.11% Paramount Money Market at 3.75% APY, Jarrettsville Federal S&LJarrettsville Federal S&L3706 Norrisville Rd, Jarrettsville, MD 21084A+5.0 ★Texas Ratio: 1.25% Money Market Tier 9 at 3.65% APY, and Harford BankHarford Bank8 W Bel Air Ave, Aberdeen, MD 21001A5.0 ★Texas Ratio: 11.55% Community Money Market Account at 3.60% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Maryland side-by-side. Maryland money market rates currently reach as high as 3.80% APY from CFG Bank at 11 W Ridgely Rd, Lutherville, MD 21093. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Maryland and surrounding area. Last Updated and Verified: June 23, 2026

Compare the Best Money Market Rates Today in Maryland

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
UpdatedJun 16, 2026
Details

May add deposits at anytime. 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 Online
3.80%
$1,000
Rate3.74%
Min Deposit$1,000
Min Balance
UpdatedJun 16, 2026
Details

May add deposits at anytime, no check writing privileges. See below for account details.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
6404 Ivy Ln Ste 510, Greenbelt, MD 20770 1426
Paramount Money Market
3.75%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
26500 Ridge Rd, Damascus, MD 20872
Money Market special
3.75%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Special rate

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market Tier 9
3.65%
$0
Rate3.59%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account
3.60%
$0
Rate3.54%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Minimum balance to open $100

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Money Market New Money
3.55%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Balances $0-$999 earn 0.00% APY; $1,000 -$9,999 earn 0.40% APY; $10,000 or more earn 3.55% APY. Rate may change after account is opened.

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Promotional Money Market Account
3.55%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

A $10,000 deposit of new money is required.

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
3.51%
$25,000
Rate3.45%
Min Deposit$25,000
Min Balance
UpdatedJun 22, 2026
Details

Glen Burnie MSB
Institution Rating:
A5.0 ★ Texas Ratio: 9.65%
1 Crain Hwy S, Glen Burnie, MD 21061
Money Market ADVANTAGE Account
3.51%
$25,000
Rate3.45%
Min Deposit$25,000
Min Balance
UpdatedJun 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
5260 Western Ave, Chevy Chase, MD 20815
Money Market Special Intro rate
3.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

$15,000+

Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
9800 TECHNOLOGY WAY, LARGO, MD 20774
Premium Insured Money Market Account
3.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
11 W Ridgely Rd, Lutherville, MD 21093
ICS Money Market
3.50%
$250,000
Rate3.44%
Min Deposit$250,000
Min Balance
UpdatedJun 16, 2026
Details

May add deposits at anytime, check writing allowed, and ATM card issued upon request.

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
7637 Old Georgetown Rd, Bethesda, MD 20814
Citizens Quest® Money Market
3.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.

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
UpdatedJun 16, 2026
Details

$25,000 Minimum to Open 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.

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
7637 Old Georgetown Rd, Bethesda, MD 20814
Citizens Private Client® Money Market
3.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
5 Church Cir, Annapolis, MD 21401
Small Business Money Market Account
3.25%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Eligible clients can earn a 3.25% annual percentage yield (APY) with a new Truist Business Money Market account. Rates may vary based on branch location and whether you open an account in a branch, by phone or online. Interest earned is based on the following ledger balance tiers: Tier 1 - $0.01 to $4,999.99; Tier 2 - $5,000 to $99,999.99; Tier 3 - $100,000 to $499,999.99; Tier 4 - $500,000 to $999,999.99; Tier 5 - $1,000,000 to $4,999,999.99; Tier 6 - $5,000,000 or greater. Tiers 1-6 are eligible for this 3.25% Annual Percentage Yield (APY) variable rate offer. Your new Money Market Account could initially earn a rate lower than 3.25% APY. However, within 10 calendar days of account opening, your eligible account will automatically upgrade to the 3.25% APY rate. The standard interest rate and APY are 0.01% for balances $0.01 and greater. Fees may reduce earnings.

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
Local Advantage Money Market T1
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 16, 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
UpdatedJun 16, 2026
Details

Compounding Frequency: Daily

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
6404 Ivy Ln Ste 510, Greenbelt, MD 20770 1426
Paramount Money Market
2.75%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market Tier 8
2.65%
$0
Rate2.62%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
2.65%
$0
Rate2.61%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

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. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Money Market Account
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedJun 16, 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
UpdatedJun 16, 2026
Details

Enjoy the advantages of a savings and checking account with flexible access by writing checks or using an ATM.

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
Local Advantage Money Market T2
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
2.40%
$0
Rate2.37%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

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. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Account
2.40%
$0
Rate2.37%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
Eagle Money Market Account
2.33%
$0
Rate2.30%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Visit or Call

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Account
2.30%
$0
Rate2.27%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Money Market Account
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

for balances greater than $50,000

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
High Yield Money Market Account
2.25%
$0
Rate2.22%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
2.17%
$0
Rate2.15%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

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

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
2.15%
$0
Rate2.12%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

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. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
Eagle Money Market Account
2.13%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Visit or Call

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
Money Market Accounts & IRAs Traditional, Roth, Education
2.10%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Account
2.10%
$0
Rate2.08%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
Eagle Money Market Account
2.03%
$0
Rate2.01%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Visit or Call

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
18450 Showalter Rd Ste 113, Hagerstown, MD 21742 1383
Money Market Account
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
Money Market Accounts & IRAs Traditional, Roth, Education
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

for balances from $100 - $19,999

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
High Yield Money Market Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account
2.00%
$0
Rate1.99%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Minimum balance to open $100

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
15226 Hanover Pike, Upperco, MD 21155
Local Advantage Money Market T3
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts (Traditional, Roth & Education IRAs)
1.97%
$0
Rate1.95%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

For balances greater than $50,000

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
Money Market Account
1.97%
$0
Rate1.95%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

For balances greater than $50,000

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Platinum Money Market
1.95%
$0
Rate1.93%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts (Traditional, Roth & Education IRAs)
1.92%
$0
Rate1.90%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

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

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
Money Market Account
1.92%
$0
Rate1.90%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

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

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.91%
$0
Rate1.90%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
Money Market Account
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts (Traditional, Roth & Education IRAs)
1.87%
$0
Rate1.85%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

For balances from $100 to $19,999

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
Money Market Account
1.87%
$0
Rate1.85%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

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

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
1325 E West HWY, silver spring, MD 20910
Money Market Accounts & IRAs Traditional, Roth, Education
1.87%
$0
Rate1.85%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.81%
$0
Rate1.80%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD 20707
Money Market
1.76%
$0
Rate1.75%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Balance range: $100,000.00 or greater

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
6404 Ivy Ln Ste 510, Greenbelt, MD 20770 1426
Paramount Money Market
1.75%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Premium Money Market
1.75%
$0
Rate1.74%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

1

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
UpdatedJun 23, 2026
Details

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.

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
Credit Union Insured Money Market Account (CUIMMA)
1.75%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Rates are variable and are subject to change at any time.

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.71%
$0
Rate1.70%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
Money Market Plus Account
1.70%
$2,500
Rate1.69%
Min Deposit$2,500
Min Balance
UpdatedJun 16, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market Tier 7
1.70%
$0
Rate1.69%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
5720 Silver Hill Rd, District Heights, MD 20747
Money Market Account
1.65%
$0
Rate1.63%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

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. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Platinum Money Market
1.64%
$0
Rate1.63%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Premium High-Yield Money Market Account
1.60%
$0
Rate1.59%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Balance Tier: $100,000 and more

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Money Market
1.60%
$0
Rate1.59%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
18721 Longmeadow Rd, Hagerstown, MD 21742
Credit Union Insured Money Market Account (CUIMMA)
1.55%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Rates are variable and are subject to change at any time.

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
Money Market Accounts
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD 20707
Money Market
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Balance range: $50,000.00 to $99,999.99

LM Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
Money Market Plus IRA, Roth or ESA Money Market Plus Shares
1.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
12820 Wisteria Dr, Germantown, MD 20874 2627
Money Market Plus Account
1.50%
$2,500
Rate1.49%
Min Deposit$2,500
Min Balance
UpdatedJun 16, 2026
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.98%
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733
High Yield Money Market Account
1.50%
$0
Rate1.48%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU

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
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Compounding Frequency: Daily

First Shore Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
Gold Money Market
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

APL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
11050 Johns Hopkins Rd, Laurel, MD 20723
IRA MONEY MARKET
1.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

APY* = Annual Percentage Yield. Rates effective as of 6.23.2026 and are subject to change without notice.

LM Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220
Money Market Plus IRA, Roth or ESA Money Market Plus Shares
1.45%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Business Money Market
1.40%
$0
Rate1.40%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily from the date of deposit to the date of withdrawal and are credited to your account monthly.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Money Market
1.40%
$0
Rate1.40%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily from the date of deposit to the date of withdrawal and are credited to your account monthly.

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
Money Market
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account
1.30%
$0
Rate1.29%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Minimum balance to open $100

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Minimum balance to open $100

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market Tier 6
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Money Market
1.25%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily from the date of deposit to the date of withdrawal and are credited to your account monthly.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Business Money Market
1.25%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily from the date of deposit to the date of withdrawal and are credited to your account monthly.

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
1.10%
$0
Rate1.09%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Compounding Frequency: Daily

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
1.05%
$0
Rate1.04%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Compounding Frequency: Daily

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Business Money Market
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily from the date of deposit to the date of withdrawal and are credited to your account monthly.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Money Market
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily from the date of deposit to the date of withdrawal and are credited to your account monthly.

First Shore Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
106 S Division St, Salisbury, MD 21801
Gold Money Market
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
8 W Bel Air Ave, Aberdeen, MD 21001
Community Money Market Account
1.00%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Minimum balance to open $100

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD 21084
Money Market Tier 5
1.00%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Platinum Money Market
0.94%
$0
Rate0.94%
Min Deposit$0
Min Balance
UpdatedJun 16, 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
0.85%
$0
Rate0.85%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Compounding Frequency: Daily

Arundel Federal Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
655 Crain Hwy S, Glen Burnie, MD 21061
Money Market Savings
0.80%
$0
Rate
Min Deposit$0
Min Balance
UpdatedJun 23, 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 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.

Maryland Money Market Rate Trends

Compare local Maryland 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
3.429%
Unchanged vs 7 days ago

Maryland high-yield MMA rates currently average 3.429% APY.

Standard MMA — MD Avg
0.678%
Unchanged vs 7 days ago

Maryland standard MMA rates currently average 0.678% APY.

As of Jun 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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 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 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 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 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 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 Maryland

Here are some of the highest money market account APYs currently available in Maryland:
  • 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
  • Jarrettsville Federal S&L
    Money Market Tier 9 — 3.65% APY
  • Harford Bank
    Community Money Market Account — 3.60% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Maryland. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: June 23, 2026

Cities in Maryland

  • Abell
  • Aberdeen
  • Aberdeen Proving Ground
  • Abingdon
  • Accident
  • Accokeek
  • Adamstown
  • Allen
  • Annapolis
  • Annapolis Junction
  • Aquasco
  • Arnold
  • Ashton
  • Avenue
  • Baldwin
  • Baltimore
  • Barclay
  • Barnesville
  • Barstow
  • Barton
  • Beallsville
  • Bel Air
  • Bel Air South
  • Bel Alton
  • Belcamp
  • Beltsville
  • Benedict
  • Benson
  • Berlin
  • Bethesda
  • Bethlehem
  • Betterton
  • Big Pool
  • Bishopville
  • Bittinger
  • Bivalve
  • Bladensburg
  • Bloomington
  • Boonsboro
  • Boring
  • Bowie
  • Boyds
  • Bozman
  • Braddock Heights
  • Brandywine
  • Brentwood
  • Brinklow
  • Brookeville
  • Brooklandville
  • Brooklyn
  • Broomes Island
  • Brownsville
  • Brunswick
  • Bryans Road
  • Bryantown
  • Buckeystown
  • Burkittsville
  • Burtonsville
  • Bushwood
  • Butler
  • Cabin John
  • California
  • Callaway
  • Cambridge
  • Capitol Heights
  • Cascade
  • Catonsville
  • Cavetown
  • Cecilton
  • Centreville
  • Chaptico
  • Charlestown
  • Charlotte Hall
  • Chase
  • Cheltenham
  • Chesapeake Beach
  • Chesapeake City
  • Chester
  • Chestertown
  • Chevy Chase
  • Chewsville
  • Childs
  • Church Creek
  • Church Hill
  • Churchton
  • Churchville
  • Claiborne
  • Clarksburg
  • Clarksville
  • Clear Spring
  • Clements
  • Clinton
  • Cobb Island
  • Cockeysville
  • College Park
  • Colora
  • Coltons Point
  • Columbia
  • Compton
  • Conowingo
  • Cooksville
  • Cordova
  • Corriganville
  • Crapo
  • Crisfield
  • Crocheron
  • Crofton
  • Crownsville
  • Crumpton
  • Cumberland
  • Curtis Bay
  • Damascus
  • Dameron
  • Darlington
  • Davidsonville
  • Dayton
  • Deal Island
  • Deale
  • Delmar
  • Denton
  • Derwood
  • Dickerson
  • District Heights
  • Dowell
  • Drayden
  • Dundalk
  • Dunkirk
  • Earleville
  • East New Market
  • Easton
  • Eckhart Mines
  • Eden
  • Edgewater
  • Edgewood
  • Elk Mills
  • Elkridge
  • Elkton
  • Ellerslie
  • Ellicott City
  • Emmitsburg
  • Essex
  • Ewell
  • Fairmount
  • Fairplay
  • Fallston
  • Faulkner
  • Federalsburg
  • Finksburg
  • Fishing Creek
  • Flintstone
  • Forest Hill
  • Fork
  • Fort George G Meade
  • Fort Howard
  • Fort Washington
  • Frederick
  • Freeland
  • Friendship
  • Friendsville
  • Frostburg
  • Fruitland
  • Fulton
  • Funkstown
  • Gaithersburg
  • Galena
  • Galesville
  • Gambrills
  • Gapland
  • Garrett Park
  • Garrison
  • Georgetown
  • Germantown
  • Gibson Island
  • Girdletree
  • Glen Arm
  • Glen Burnie
  • Glen Echo
  • Glenelg
  • Glenn Dale
  • Glenwood
  • Glyndon
  • Goldsboro
  • Grantsville
  • Grasonville
  • Great Mills
  • Greenbelt
  • Greensboro
  • Gunpowder
  • Gwynn Oak
  • Hagerstown
  • Halethorpe
  • Hampstead
  • Hancock
  • Hanover
  • Harmans
  • Harwood
  • Havre De Grace
  • Hebron
  • Helen
  • Henderson
  • Henryton
  • Highland
  • Hillsboro
  • Hollywood
  • Hughesville
  • Hunt Valley
  • Huntingtown
  • Hurlock
  • Hyattsville
  • Hydes
  • Ijamsville
  • Indian Head
  • Ingleside
  • Ironsides
  • Issue
  • Jarrettsville
  • Jefferson
  • Jessup
  • Joppa
  • Keedysville
  • Kennedyville
  • Kensington
  • Keymar
  • Kingsville
  • Kitzmiller
  • Knoxville
  • La Plata
  • Ladiesburg
  • Lanham
  • Laurel
  • Leonardtown
  • Lexington Park
  • Libertytown
  • Lineboro
  • Linkwood
  • Linthicum Heights
  • Linwood
  • Lisbon
  • Little Orleans
  • Lonaconing
  • Long Green
  • Lothian
  • Loveville
  • Luke
  • Lusby
  • Lutherville Timonium
  • Madison
  • Manchester
  • Manokin
  • Marbury
  • Mardela Springs
  • Marion Station
  • Marriottsville
  • Marydel
  • Maryland Line
  • Massey
  • Maugansville
  • Mayo
  • Mcdaniel
  • McHenry
  • Mechanicsville
  • Middle River
  • Middletown
  • Midland
  • Midlothian
  • Millersville
  • Millington
  • Monkton
  • Monrovia
  • Montgomery Village
  • Morganza
  • Mount Airy
  • Mount Rainier
  • Mount Savage
  • Mount Victoria
  • Myersville
  • Nanjemoy
  • Nanticoke
  • Neavitt
  • New Market
  • New Midway
  • New Windsor
  • Newark
  • Newburg
  • Newcomb
  • North Beach
  • North East
  • Nottingham
  • Oakland
  • Ocean City
  • Odenton
  • Oldtown
  • Olney
  • Owings
  • Owings Mills
  • Oxford
  • Oxon Hill
  • Park Hall
  • Parkton
  • Parkville
  • Parsonsburg
  • Pasadena
  • Patuxent River
  • Perry Hall
  • Perry Point
  • Perryman
  • Perryville
  • Phoenix
  • Pikesville
  • Piney Point
  • Pinto
  • Pittsville
  • Pocomoke City
  • Point Of Rocks
  • Pomfret
  • Poolesville
  • Port Deposit
  • Port Republic
  • Port Tobacco
  • Potomac
  • Powellville
  • Preston
  • Price
  • Prince Frederick
  • Princess Anne
  • Pylesville
  • Quantico
  • Queen Anne
  • Queenstown
  • Randallstown
  • Rawlings
  • Rehobeth
  • Reisterstown
  • Rhodesdale
  • Riderwood
  • Ridge
  • Ridgely
  • Rising Sun
  • Riva
  • Riverdale
  • Rock Hall
  • Rock Point
  • Rockville
  • Rocky Ridge
  • Rohrersville
  • Rosedale
  • Royal Oak
  • Sabillasville
  • Saint Inigoes
  • Saint James
  • Saint Leonard
  • Saint Marys City
  • Saint Michaels
  • Salisbury
  • Sandy Spring
  • Savage
  • Scotland
  • Secretary
  • Severn
  • Severna Park
  • Shady Side
  • Sharpsburg
  • Sharptown
  • Sherwood
  • Showell
  • Silver Spring
  • Simpsonville
  • Smithsburg
  • Snow Hill
  • Solomons
  • Southern Md Facility
  • Sparks Glencoe
  • Sparrows Point
  • Spencerville
  • Spring Gap
  • Stevenson
  • Stevensville
  • Still Pond
  • Stockton
  • Street
  • Suburb Maryland Fac
  • Sudlersville
  • Suitland
  • Sunderland
  • Swanton
  • Sykesville
  • Takoma Park
  • Tall Timbers
  • Taneytown
  • Taylors Island
  • Temple Hills
  • Templeville
  • Thurmont
  • Tilghman
  • Toddville
  • Towson
  • Tracys Landing
  • Trappe
  • Tuscarora
  • Tyaskin
  • Tylerton
  • Union Bridge
  • Unionville
  • Upper Fairmount
  • Upper Falls
  • Upper Marlboro
  • Upperco
  • Valley Lee
  • Vienna
  • Waldorf
  • Walkersville
  • Warwick
  • Washington Grove
  • Welcome
  • Wenona
  • West Friendship
  • West River
  • Westernport
  • Westminster
  • Westover
  • Whaleyville
  • White Hall
  • White Marsh
  • White Plains
  • Whiteford
  • Willards
  • Williamsport
  • Windsor Mill
  • Wingate
  • Wittman
  • Woodbine
  • Woodsboro
  • Woodstock
  • Woolford
  • Worton
  • Wye Mills