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Maryland Savings Rate Trends

Owings Mills, Maryland (MD) Savings Rates - March 2026

The best savings rates for Owings Mills, Maryland and the surrounding area include PNC BankPNC Bank101 Painters Mill Rd, Owings Mills, MD 21117A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, State Employees Credit UnionState Employees Credit Union10801 Red Run Blvd, Owings Mills, MD 21117 5140A+5.0 ★Texas Ratio: 5.38% Share Account at 1.59% APY, Tower Federal Credit UnionTower Federal Credit Union9207 Lakeside Blvd, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 1.36% Prime Share at 0.65% APY, First Financial of Maryland FCUFirst Financial of Maryland FCU9906 Reisterstown Rd, Owings Mills, MD 21117 3945A+5.0 ★ Money Manager Savings at 0.30% APY, and F&M Bank Upperco, MDF&M Bank Upperco, MD9320 Lakeside Blvd, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 3.09% Health Savings at 0.10% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Owings Mills, 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 Owings Mills, Maryland (MD) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Owings Mills, Maryland and the surrounding area. Last Updated and Verified: March 28, 2026

Compare the Best Savings Rates in Owings Mills, Maryland & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 Painters Mill Rd, Owings Mills, MD 21117
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Share Account
1.59%
$0
Rate1.60%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Share Account
1.39%
$0
Rate1.40%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Share Account
1.19%
$0
Rate1.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Share Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Share Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
9207 Lakeside Blvd, Owings Mills, MD 21117
Prime Share
0.65%
$5
Rate0.65%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Share Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Business Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
Money Manager Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
Share Savings
0.20%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 26, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
IRA Savings Account
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
Money Manager Savings
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
Summer Pay Savings
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
9320 Lakeside Blvd, Owings Mills, MD 21117
Health Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
IRA Savings Account
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
Money Manager Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
Share Savings
0.10%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 26, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
9906 Reisterstown Rd, Owings Mills, MD 21117 3945
Summer Pay Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Coverdell Education Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Holiday Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10801 Red Run Blvd, Owings Mills, MD 21117 5140
Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
10110 Reisterstown Rd, Owings Mills, MD 21117 3815
Share/Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
9948 Reisterstown Rd, Owings Mills, MD 21117
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
9948 Reisterstown Rd, Owings Mills, MD 21117
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
9320 Lakeside Blvd, Owings Mills, MD 21117
Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
9320 Lakeside Blvd, Owings Mills, MD 21117
Health Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 Painters Mill Rd, Owings Mills, MD 21117
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
9948 Reisterstown Rd, Owings Mills, MD 21117
Platinum Savings
0.02%
$25
Rate0.02%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 Painters Mill Rd, Owings Mills, MD 21117
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
9948 Reisterstown Rd, Owings Mills, MD 21117
Way2SaveĀ® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
9948 Reisterstown Rd, Owings Mills, MD 21117
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Brilliant Kid's Savings Account
10.38%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD 20603
Brilliant Kids Savings
10.38%
$0
Rate10.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
Online Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $1,000.00

Ukrainian Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2345 Eastern Ave, Baltimore, MD 21224
IRA Savings
4.08%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Primis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
14804 Pratt St, Upper Marlboro, MD 20772
Primis Business Savings
4.00%
$1
Rate3.93%
Min Deposit$1
Min Balance
UpdatedMar 24, 2026
Details

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

Capital Area Realtors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.37%
15201 Diamondback Dr, Rockville, MD 20850 3312
Savings Account
3.79%
$100
Rate0.10%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD 20723 5877
High-Yield VIP Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4520 East West Hwy, Bethesda, MD 20814
Advantage Savings
3.75%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 28, 2026
Details

Earn 3.75% APY* on Daily Balances when you Maintain an Advantage Checking Account

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.73%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedMar 25, 2026
Details

Guaranteed rate for the first 90 days.

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
Eagle High-Yield Savings Account
3.70%
$0
Rate3.63%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $500,000.00

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Premier Savings Accounts
3.56%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Premier Savings Accounts
3.46%
$0
Rate3.40%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Forbright
Institution Rating:
A-5.0 ★Texas Ratio: 15.52%
1700 Rockville Pike, Rockville, MD 20852
Bright Business Savings
3.45%
$250
Rate3.40%
Min Deposit$250
Min Balance
UpdatedMar 26, 2026
Details

Dexsta Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.79%
975 E Pulaski Hwy, Elkton, MD 21921 6357
High Yield Savings
3.45%
$0
Rate3.40%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

$100,000.00-$249,999.99

WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD 20707
Youth Savings
3.44%
$0
Rate3.40%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD 20850
High Dividend Savings
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
10035 Baltimore National Pike, Ellicott City, MD 21042
WooriWON Savings
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 22, 2026
Details

Online Only

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.22%
$0
Rate3.17%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bonus Rate for the first 90 days

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
5424 Western Ave, Chevy Chase, MD 20815
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.15%
$0
Rate3.17%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bonus Rate for the first 90 days

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.13%
$0
Rate3.08%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
3.13%
$0
Rate3.08%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bonus Rate (Relationship) for the first 90 days

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
3.07%
$0
Rate3.08%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bonus Rate (Relationship) for the first 90 days

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Personal Premier Money Market Savings
3.06%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
3.04%
$0
Rate3.17%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bonus Rate for the first 90 days

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
ICS Personal Premier Money Market Savings
2.98%
$0
Rate2.94%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BayVanguard Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
304 High St, Cambridge, MD 21613
Business Premier Money Market Savings
2.98%
$0
Rate2.94%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

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.

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.

Owings Mills, MD Savings Rate Trends

Compare local Owings Mills, 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.

View Full Maryland Savings Trends →
High-Yield Savings — MD Avg
1.370%
▼ 0.130 from last week

Maryland high-yield savings rates fell 0.130 points this week to 1.370% APY, down from 1.500% last week.

Standard Savings — MD Avg
0.582%
▼ 0.048 from last week

Maryland standard savings rates fell 0.048 points this week to 0.582% APY, down from 0.630% last week.

As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Owings Mills, 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 Owings Mills, 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 Owings Mills, Maryland

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Maryland, help your money grow faster through a higher APY.

Are savings accounts in Owings Mills, 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 savings rates change in Owings Mills, Maryland?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Owings Mills, Maryland may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Owings Mills, Maryland?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Owings Mills, Maryland offer in-person customer service, which some customers prefer.

How do I open a savings account in Owings Mills, Maryland?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Owings Mills, Maryland

Here are recent savings rates observed in Owings Mills, Maryland and the surrounding area:
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • State Employees Credit Union
    Share Account — 1.59% APY
  • Tower Federal Credit Union
    Prime Share — 0.65% APY
  • First Financial of Maryland FCU
    Money Manager Savings — 0.30% APY
  • F&M Bank Upperco, MD
    Health Savings — 0.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Owings Mills, Maryland. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026