The best savings rates for Frederick, Maryland and the surrounding area include Presidential BankPresidential Bank14 W Patrick St, Frederick, MD 21701A5.0 ★Texas Ratio: 9.69% Advantage Savings at 3.75% APY, PNC BankPNC Bank1305 W 7th St, Frederick, MD 21702A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, Capital One BankCapital One Bank1305 W 7th St, Frederick, MD 21702A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, State Employees Credit UnionState Employees Credit Union5110 Buckeystown Pike, Frederick, MD 21704A+5.0 ★Texas Ratio: 5.38% Share Account at 1.59% APY, and Atlantic Union BankAtlantic Union Bank30 W Patrick St, Frederick, MD 21701A+5.0 ★Texas Ratio: 1.56% IRA Variable Rate Savings at 0.25% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Frederick, Maryland, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Frederick, Maryland (MD) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Frederick, Maryland and the surrounding area. Last Updated and Verified: March 25, 2026
Earn 3.75% APY* on Daily Balances when you Maintain an Advantage Checking Account
Earn 0.50% APY* on Daily Balances up to $35,000
Disbursement October 1st
$10 fee assessed monthly if balance falls under $1,500.
$14,999.01 +
$10 fee assessed monthly if balance falls under $1,500.
$4,999.01 - $14,999
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$999.01 - $4,999
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$100 - $999
$25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
REFUNDS on [all originating wire fees](https://primisbank.com/limits/#ACH-Limits) other banks charge you to send Primis wires + $10 just because.; Online Only
Guaranteed rate for the first 90 days.
Qualifying balance up to $500,000.00
$100,000.00-$249,999.99
Compare local Frederick, MD savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maryland high-yield savings rates fell 0.112 points this week to 1.370% APY, down from 1.482% last week.
Maryland standard savings rates fell 0.765 points this week to 0.600% APY, down from 1.365% last week.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings 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 savings 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 competitive regional banks to large national institutions available to savers in MD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.