Germantown, Maryland (MD) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Germantown, Maryland and the surrounding area include PNC BankPNC Bank13074 Middlebrook Rd, Germantown, MD 20874A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Capital One BankCapital One Bank21117 Frederick Rd, Germantown, MD 20876A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, Mid-Atlantic Federal Credit UnionMid-Atlantic Federal Credit Union12820 Wisteria Dr, Germantown, MD 20874 2627A5.0 ★Texas Ratio: 6.64% First Savings for Kids at 1.25% APY, Atlantic Union BankAtlantic Union Bank20930 Frederick Rd, Germantown, MD 20876A+5.0 ★Texas Ratio: 1.56% IRA Variable Rate Savings at 0.25% APY, and SkyPoint Federal Credit UnionSkyPoint Federal Credit Union19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874A5.0 ★Texas Ratio: 11.30% Business Savings at 0.05% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Germantown, 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 Germantown, Maryland (MD) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Germantown, Maryland and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Germantown, Maryland & Surrounding Communities
Qualifying balance up to $500.00
Qualifying balance up to $500
Minimum $100 required to earn dividends.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$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
Earn 3.75% APY* on Daily Balances when you Maintain an Advantage Checking Account
Guaranteed rate for the first 90 days.
Qualifying balance up to $500,000.00
$100,000.00-$249,999.99
Online Only
Bonus Rate for the first 90 days
Bonus Rate for the first 90 days
Bonus Rate (Relationship) for the first 90 days
Bonus Rate (Relationship) for the first 90 days
Qualifying balance up to $20,000.00
$5 minimum balance; No monthly or maintenance charges; Depending on your payroll amount, your summer savings will be automatically transferred bi-weekly into your checking account in the summer; Open to all 10 month employees in education - public or private, Harford County or beyond; Member must live, work, or attend school or church in Harford County or have immediate family at Har-co; Qualifying balance up to $20,000.00
$5 minimum balance to open
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.
Germantown, MD Savings Rate Trends
Compare local Germantown, 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 rose 0.107 points this week to 1.370% APY, up from 1.264% last week.
Maryland standard savings rates rose 0.126 points this week to 0.581% APY, up from 0.455% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Germantown, 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 Germantown, 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.
Frequently Asked Questions about Savings Accounts in Germantown, Maryland
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Germantown, Maryland safe?
How often do savings rates change in Germantown, Maryland?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Germantown, Maryland?
How do I open a savings account in Germantown, Maryland?
Best Savings Rates in Germantown, Maryland
- PNC Bank
PNC High Yield Savings® — 3.25% APY - Capital One Bank
360 Performance Savings — 3.20% APY - Mid-Atlantic Federal Credit Union
First Savings for Kids — 1.25% APY - Atlantic Union Bank
IRA Variable Rate Savings — 0.25% APY - SkyPoint Federal Credit Union
Business Savings — 0.05% APY
