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Best Money Market Rates in Frederick, Maryland (MD) - April 2026

Content reviewed by
Brian McKay Brian McKay
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Editorial Disclosure 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.
| ✓Fact Checked | Last Updated: April 22, 2026

Current Frederick, Maryland and the surrounding area money market rates include CFG BankCFG BankA5.0 ★Texas Ratio: 10.06% CFG High Yield Money Market Online at 3.80% APY, Transit Employees Federal Credit UnionTransit Employees Federal Credit UnionA+5.0 ★Texas Ratio: 2.14% Paramount Money Market at 3.75% APY, Glen Burnie MSBGlen Burnie MSBA5.0 ★Texas Ratio: 9.65% Money Market ADVANTAGE Account at 3.66% APY, The Bank of Glen BurnieThe Bank of Glen BurnieA+5.0 ★Texas Ratio: 4.44% Money Market ADVANTAGE Account at 3.66% APY, and Jarrettsville Federal S&LJarrettsville Federal S&LA+5.0 ★Texas Ratio: 1.25% Money Market at 3.65% APY. Money market rates as of April 22, 2026 according to verified data from MonitorBankRates.

Frederick has 5 local institutions in our database, with money market rates as high as 3.55% APY from Fulton Bank at 5211 Presidents Ct, 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: April 22, 2026

Compare the Best Money Market Rates Today in Frederick, Maryland & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Money Market New Money
3.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
Promotional Money Market Account
3.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Minimum new money deposit of $10,000.

Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
14 W Patrick St, Frederick, MD 21701
Money Market Advantage Checking
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

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.

ACNB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2 N Market St, Frederick, MD 21701
SELECT MONEY MARKET
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Learn more

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
Credit Union Insured Money Market Account (CUIMMA)
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

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

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
5099 Corporate Dr, Frederick, MD 21703
Credit Union Insured Money Market Account (CUIMMA)
1.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

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

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
5211 Presidents Ct, Frederick, MD 21703
IRA Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Learn More

Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
14 W Patrick St, Frederick, MD 21701
Money Market Checking
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Earn 0.25% APY* on Balances $1,000 to $9,999.99 and 0.30% on Balances $10,000 and over

CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
CFG High Yield Money Market Online
3.80%
$1,000
View
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 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%
CFG High Yield Money Market In Branch
3.80%
$1,000
View
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 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%
Paramount Money Market
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Glen Burnie MSB
Institution Rating:
A5.0 ★ Texas Ratio: 9.65%
Money Market ADVANTAGE Account
3.66%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

The Bank of Glen Burnie
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
Money Market ADVANTAGE Account
3.66%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $25,000.00

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
3.65%
$0
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 9
3.60%
$100
View
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Money One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
Premium Insured Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
ICS Money Market
3.10%
$250,000
View
▼
Rate3.06%
Min Deposit$250,000
Min Balance—
UpdatedApr 22, 2026
Details

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

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Local Advantage Money Market T1
3.00%
$100,000
View
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Market Account
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Paramount Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Market Account
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Local Advantage Money Market T2
2.50%
$100,000
View
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Market Account
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
2.30%
$0
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
High Yield Money Market Account
2.25%
$0
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$750,000 and up

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Money Market Account
2.10%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
IRA Money Market Accounts (Includes Traditional, Roth & Education IRAs)
2.10%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
IRA Money Market Accounts (Includes Traditional, Roth & Education IRAs)
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Local Advantage Money Market T3
2.00%
$100,000
View
▼
Rate1.98%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
High Yield Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$500,000 - $749,999.99

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 8
2.00%
$100
View
▼
Rate1.99%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.91%
$0
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Market Account
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
IRA Money Market Accounts (Includes Traditional, Roth & Education IRAs)
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Money Market Account
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
MMA Balance from
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$2,500 - $19,999

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.05%
Money Market
1.76%
$2,500
View
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Paramount Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
Premium Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.71%
$0
View
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
Commercial Money Market Account
1.70%
$1,500
View
▼
Rate1.69%
Min Deposit$1,500
Min Balance—
UpdatedApr 18, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Market Account
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
Money Market
1.60%
$0
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.05%
Money Market
1.51%
$2,500
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details

WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Money Market Plus
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 6
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
Commercial Money Market Account
1.50%
$1,500
View
▼
Rate1.49%
Min Deposit$1,500
Min Balance—
UpdatedApr 18, 2026
Details

Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
High Yield Money Market Account
1.50%
$0
View
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

$200,000 - $499,999.99

First Shore Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Gold Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

APL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
IRA MONEY MARKET
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Money Market Plus
1.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
1.40%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
1.40%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
Money Market
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 5
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Money Market Accounts
1.39%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

$1,000,000 or more

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
MONEY MARKET
1.39%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

LM Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Money Market Plus
1.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Money Market Accounts
1.34%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

$250,000 - $999,999.99

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 4
1.30%
$0
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 7
1.30%
$100
View
▼
Rate1.29%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 6
1.25%
$100
View
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
1.25%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
1.25%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 3
1.20%
$0
View
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 2
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 1
1.05%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
1.05%
$0
View
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First Shore Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Gold Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 5
1.00%
$100
View
▼
Rate0.99%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Arundel Federal Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
Money Market Savings
0.80%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

POCU of Maryland
Institution Rating:
A+5.0 ★
Money Market
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Money Market $100,000 +

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 Frederick, 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.

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.

View Full Maryland MMA Trends →
High-Yield MMA — MD Avg
3.320%
▲ 0.199 vs 7 days ago

Maryland high-yield MMA rates rose 0.199 points over the past 7 days to 3.320% APY.

Standard MMA — MD Avg
0.645%
▼ 0.259 vs 7 days ago

Maryland standard MMA rates fell 0.259 points over the past 7 days to 0.645% APY.

As of Apr 22, 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 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)?

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 Frederick, 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 Frederick, 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 Frederick, Maryland

Here are some of the highest money market account APYs currently available in Frederick, Maryland and the surrounding area:
  • CFG Bank
    CFG High Yield Money Market Online — 3.80% APY
  • Transit Employees Federal Credit Union
    Paramount Money Market — 3.75% APY
  • Glen Burnie MSB
    Money Market ADVANTAGE Account — 3.66% APY
  • The Bank of Glen Burnie
    Money Market ADVANTAGE Account — 3.66% APY
  • Jarrettsville Federal S&L
    Money Market — 3.65% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Frederick, Maryland. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 22, 2026

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