Best Money Market Rates in Silver Spring, Maryland (MD) - May 2026
Content reviewed by
Brian McKay
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Brian McKay
Brian McKay
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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.
Current Silver Spring, Maryland and the surrounding area money market deposit account rates include Citizens BankCitizens Bank8252 Georgia Ave, Silver Spring, MD 20910A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, TruistTruist13975 Connecticut Ave, Silver Spring, MD 20906A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, EagleBankEagleBank8677 Georgia Ave, Silver Spring, MD 20910A+5.0 ★Texas Ratio: 5.93% Eagle Money Market Account and up at 2.33% APY, Department of Commerce FCUDepartment of Commerce FCU1325 E West HWY, silver spring, MD 20910A+5.0 ★Texas Ratio: 2.36% IRA Money Market Accounts at 2.10% APY, and SkyPoint Federal Credit UnionSkyPoint Federal Credit Union8380 Colesville Rd Ste 201, Silver Spring, MD 20910A5.0 ★Texas Ratio: 11.30% Premium Money Market 1 at 1.75% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Silver Spring has 9 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 8252 Georgia Ave, Silver Spring, MD 20910. 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 Silver Spring, Maryland and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Silver Spring, Maryland & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
8252 Georgia Ave, Silver Spring, MD 20910
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
8252 Georgia Ave, Silver Spring, MD 20910
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
13975 Connecticut Ave, Silver Spring, MD 20906
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
8677 Georgia Ave, Silver Spring, MD 20910
Eagle Money Market Account and up
2.33%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$500,000.00
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
8677 Georgia Ave, Silver Spring, MD 20910
Eagle Money Market Account
2.13%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$250,000.00 - $499,999.99
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
Money Market Account
2.10%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
For balances greater than $50,000
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
2.10%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Includes Traditional, Roth & Education IRAs
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
8677 Georgia Ave, Silver Spring, MD 20910
Eagle Money Market Account
2.03%
$0
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$0.00 - $249,999.99
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Includes Traditional, Roth & Education IRAs
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
For balances from $20,000 to $49,999
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
IRA Money Market Accounts
1.87%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Includes Traditional, Roth & Education IRAs
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
1325 E West HWY, silver spring, MD 20910
Money Market Account
1.87%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
For balances from $2,500 to $19,999
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
8380 Colesville Rd Ste 201, Silver Spring, MD 20910
Premium Money Market 1
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
10157 New Hampshire Ave, Silver Spring, MD 20903
Commercial Money Market Account
1.70%
$1,500
▼
Rate1.69%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
8380 Colesville Rd Ste 201, Silver Spring, MD 20910
Money Market
1.60%
$0
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
10157 New Hampshire Ave, Silver Spring, MD 20903
Commercial Money Market Account
1.50%
$1,500
▼
Rate1.49%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
8380 Colesville Rd Ste 201, Silver Spring, MD 20910
Money Market
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
8380 Colesville Rd Ste 201, Silver Spring, MD 20910
Money Market
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
10157 New Hampshire Ave, Silver Spring, MD 20903
Commercial Money Market Account
1.30%
$1,500
▼
Rate1.29%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
10157 New Hampshire Ave, Silver Spring, MD 20903
Commercial Money Market Account
1.10%
$1,500
▼
Rate1.09%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
10157 New Hampshire Ave, Silver Spring, MD 20903
Money Market Plus Account
1.00%
$2,500
▼
Rate0.99%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
10157 New Hampshire Ave, Silver Spring, MD 20903
IRA Money Market
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Atlantic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
10157 New Hampshire Ave, Silver Spring, MD 20903
Commercial Money Market Account
1.00%
$1,500
▼
Rate0.99%
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
8380 Colesville Rd Ste 201, Silver Spring, MD 20910
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Harbor Bank of Maryland
Institution Rating:
A-5.0 ★ Texas Ratio: 14.10%
1010 Wayne Ave Ste 100, Silver Spring, MD 20910
Investment Money Market Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Tier III
Harbor Bank of Maryland
Institution Rating:
A-5.0 ★ Texas Ratio: 14.10%
1010 Wayne Ave Ste 100, Silver Spring, MD 20910
Investment Money Market Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Tier II
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Premium Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Harbor Bank of Maryland
Institution Rating:
A-5.0 ★ Texas Ratio: 14.10%
1010 Wayne Ave Ste 100, Silver Spring, MD 20910
Investment Money Market Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Tier I
Harbor Bank of Maryland
Institution Rating:
A-5.0 ★ Texas Ratio: 14.10%
1010 Wayne Ave Ste 100, Silver Spring, MD 20910
Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Tier II
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1308 E West Hwy, Silver Spring, MD 20910 3232
Savings Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Harbor Bank of Maryland
Institution Rating:
A-5.0 ★ Texas Ratio: 14.10%
1010 Wayne Ave Ste 100, Silver Spring, MD 20910
Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Tier I
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
8252 Georgia Ave, Silver Spring, MD 20910
Citizens Private Client® Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Premium Money Market
0.13%
$0
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Direct Money Market
0.13%
$0
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1308 E West Hwy, Silver Spring, MD 20910 3232
Savings Money Market
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Money Market
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Business Money Market
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Money Market
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.30%
8380 Colesville Rd Ste 201, Silver Spring, MD 20910
Premium Money Market 1
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Business Money Market
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Money Market
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Business Money Market
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
8252 Georgia Ave, Silver Spring, MD 20910
Citizens Quest® Money Market
0.03%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
8252 Georgia Ave, Silver Spring, MD 20910
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NATIONAL INSTITUTES OF HEALTH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1308 E West Hwy, Silver Spring, MD 20910 3232
Savings Money Market
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
3701 Rossmoor Blvd, Silver Spring, MD 20906 1565
Money Market
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Har-co Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
Business Advantage Money Market
4.00%
$2,000
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 12, 2026
Details
guaranteed through June 2026
CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
CFG High Yield Money Market In Branch
3.80%
$1,000
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
May add deposits at anytime. See below for account details.
CFG Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
CFG High Yield Money Market Online
3.80%
$1,000
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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: 2.14%
Paramount Money Market
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
3.65%
$0
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 9
3.60%
$100
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Promotional Money Market Account
3.55%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
minimum new money deposit of $10,000.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Glen Burnie MSB
Institution Rating:
A5.0 ★ Texas Ratio: 9.65%
Money Market ADVANTAGE Account
3.51%
$25,000
▼
Rate3.45%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
($25,000 or more)
The Bank of Glen Burnie
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
Money Market ADVANTAGE Account
3.51%
$25,000
▼
Rate3.45%
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
($25,000 or more)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$15,000+
WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Money Market Special
3.50%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
With a minimum of $25k new money
Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Money Market Advantage Checking
3.50%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
On Balances Between $25,000 and $250,000.
Rate3.06%
Min Deposit$250,000
Min Balance—
UpdatedMay 4, 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
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Paramount Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Local Advantage Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Flexible and Interest Earning
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
2.30%
$0
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Local Advantage Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 8
2.00%
$100
▼
Rate1.99%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.91%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tower Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
Money Market Accounts
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Premium High-Yield Money Market Account
1.80%
$0
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
WSSC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.05%
Money Market
1.76%
$2,500
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Washington County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Money Market
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Dividends are compounded daily and paid monthly. No minimum balance is required to open the account; however, 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.
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Credit Union Insured Money Market Account (CUIMMA)
1.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Paramount Money Market
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Money Market Accounts
1.71%
$0
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.63%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 6
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastern Savings Bank, FSB
Institution Rating:
B-4.4 ★ Texas Ratio: 22.57%
Business Money Market Savings Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Shore Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Gold Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 5
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Money Market Savings Tier 4
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 7
1.30%
$100
▼
Rate1.29%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
Money Market
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Harford Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
Community Money Market Account Tier 6
1.25%
$100
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
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MonitorBankRates
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 Silver Spring, 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.
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.
Silver Spring, MD Money Market Rate Trends
Compare local Silver Spring, 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.
High-Yield MMA — MD Avg
3.385%
Unchanged vs 7 days ago
Maryland high-yield MMA rates currently average 3.385% APY.
Standard MMA — MD Avg
0.639%
Unchanged vs 7 days ago
Maryland standard MMA rates currently average 0.639% APY.
As of May 14, 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 deposit account rates for Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, 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 Silver Spring, Maryland
Here are some of the highest money market account APYs currently available in Silver Spring, Maryland and the surrounding area:
- Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Truist
Small Business Money Market Account — 3.40% APY - EagleBank
Eagle Money Market Account and up — 2.33% APY - Department of Commerce FCU
IRA Money Market Accounts — 2.10% APY - SkyPoint Federal Credit Union
Premium Money Market 1 — 1.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Silver Spring, Maryland. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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