Best Money Market Rates in Frederick, Maryland - July 2026
Brian McKay
Brian McKay
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Current Frederick, Maryland and the surrounding area money market deposit account rates include TruistTruist5280 Corporate Dr, Frederick, MD 21703A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 4.00% APY, Fulton BankFulton Bank5211 Presidents Ct, Frederick, MD 21703A+5.0 ★Texas Ratio: 4.98% Money Market at 3.55% APY, Presidential BankPresidential Bank14 W Patrick St, Frederick, MD 21701A5.0 ★Texas Ratio: 9.69% Money Market Advantage Checking at 3.50% APY, Patriot Federal Credit UnionPatriot Federal Credit Union5099 Corporate Dr, Frederick, MD 21703A+5.0 ★Texas Ratio: 1.71% Credit Union Insured Money Market Account (CUIMMA) at 1.75% APY, and Nymeo Federal Credit UnionNymeo Federal Credit Union5210 Chairmans Ct, FREDERICK, MD 21703A5.0 ★Texas Ratio: 9.86% Money Market Account at 0.74% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Frederick has 5 local institutions in our database, with money market rates as high as 4.00% APY from Truist at 5280 Corporate Dr, Frederick, MD 21703. Use the table below to compare all available offers, including options from institutions serving the broader Maryland area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Frederick, Maryland and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Frederick, Maryland & the Surrounding Area
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
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.
Rates are variable and are subject to change at any time.
Rates are variable and are subject to change at any time.
Rates are variable and are subject to change at any time.
Rates are variable and are subject to change at any time.
Rates are variable and are subject to change at any time.
Earn 0.25% APY* on Balances $1,000 to $9,999.99 and 0.30% on Balances $10,000 and over
Guaranteed through June 2026. The minimum qualifying balance required to open and maintain this special 4.00% APY is $25,000 and the maximum balance may not exceed $250,000. After June 30th 2026, the rate will default to the posted money market rate at that time. The APY will be based upon your account balance. APY is accurate as of 1/15/2026.
May add deposits at anytime, no check writing privileges. See below for account details.
May add deposits at anytime. See below for account details.
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Minimum balance to open $100
($25,000 or more)
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.
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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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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Minimum balance to open $100
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.
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.
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.
Money Market ($50,000.00 to $99,999.99)
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.
APY effective as of 7.8.2026 and subject to change without notice.
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)
Minimum balance to open $100
Compounding Frequency: Daily
Compounding Frequency: Daily
Minimum balance to open $100
Compounding Frequency: Daily
Amount: $100,000 and upâ€
Minimum balance to open $100
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.
Frederick, MD Money Market Rate Trends
Compare local Frederick, MD money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maryland high-yield MMA rates fell 0.008 points over the past 7 days to 3.396% APY.
Maryland standard MMA rates rose 0.009 points over the past 7 days to 0.692% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Frederick, 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 Frederick, 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 Frederick, 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 Frederick, Maryland
What is a Money Market Account (MMA)?
Are Money Market accounts in Frederick, Maryland safe?
How often do MMA rates change in Frederick, Maryland?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Frederick, Maryland?
Best Money Market Rates in Frederick, Maryland
- Truist
Small Business Money Market Account — 4.00% APY - Fulton Bank
Money Market — 3.55% APY - Presidential Bank
Money Market Advantage Checking — 3.50% APY - Patriot Federal Credit Union
Credit Union Insured Money Market Account (CUIMMA) — 1.75% APY - Nymeo Federal Credit Union
Money Market Account — 0.74% APY
