Best Money Market Rates in Maryland - July 2026

Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.

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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; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.

Compounding Frequency: Daily

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.

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.

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New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU. Fees may reduce earnings on the account.

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.

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New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU. Fees may reduce earnings on the account.

Minimum balance to open $100

Money Market ($100,000.00 or greater)

Dividends are compounded daily and paid monthly. 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.

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

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.

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

Money Market ($50,000.00 to $99,999.99)

APY effective as of 7.8.2026 and subject to change without notice.

New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU. Fees may reduce earnings on the account.

Compounding Frequency: Daily

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.

Minimum balance to open $100

Money Market ($25,000.00 to $49,999.99)

FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Dividends Compounded and Credited: Monthly Balance Method: Average Daily Balance, Limitations: Refer to Membership and Account Agreement including Disclosures. Fees: Refer to Service Fees. Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration(NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.

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

New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU. Fees may reduce earnings on the account.

Minimum balance to open $100

If the Money Market balances falls below $2,500, the dividend rate will be the Regular Savings rate.

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

Compounding Frequency: Daily

Compounding Frequency: Daily

Minimum balance to open $100

Compounding Frequency: Daily

Amount: $100,000 and up†

Minimum balance to open $100

Amount: $50,000 - $99,999.99 †

Amount: $25,000 - $49,999.99 †