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Maryland Savings Rate Trends

Towson, Maryland (MD) Savings Rates - March 2026

The best savings rates for Towson, Maryland and the surrounding area include PNC BankPNC Bank409 Washington Ave, Towson, MD 21204A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, State Employees Credit UnionState Employees Credit Union8603 La Salle Rd, Towson, MD 21286 2002A+5.0 ★Texas Ratio: 5.38% Share Account at 1.59% APY, First Financial of Maryland FCUFirst Financial of Maryland FCU7601 Osler Dr, Towson, MD 21204 7700A+5.0 ★ Money Manager Savings at 0.30% APY, Atlantic Union BankAtlantic Union Bank502 Washington Ave, Towson, MD 21204A+5.0 ★Texas Ratio: 1.56% IRA Variable Rate Savings at 0.25% APY, and F&M Bank Upperco, MDF&M Bank Upperco, MD22 West Pennsylvania Avenue, Towson, MD 21204A+5.0 ★Texas Ratio: 3.09% Health Savings at 0.10% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Towson, Maryland and the surrounding area. Last Updated and Verified: March 27, 2026

Compare the Best Savings Rates in Towson, 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%
409 Washington Ave, Towson, MD 21204
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Share Account
1.59%
$0
Rate1.60%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Share Account
1.39%
$0
Rate1.40%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Share Account
1.19%
$0
Rate1.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Share Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Share Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Share Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Business Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
7601 Osler Dr, Towson, MD 21204 7700
Money Manager Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
502 Washington Ave, Towson, MD 21204
IRA Variable Rate Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
7601 Osler Dr, Towson, MD 21204 7700
Summer Pay 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 ★
7601 Osler Dr, Towson, MD 21204 7700
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 ★
7601 Osler Dr, Towson, MD 21204 7700
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 ★
7601 Osler Dr, Towson, MD 21204 7700
IRA Savings Account
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
502 Washington Ave, Towson, MD 21204
Health Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
502 Washington Ave, Towson, MD 21204
Personal Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
502 Washington Ave, Towson, MD 21204
Health Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
7601 Osler Dr, Towson, MD 21204 7700
Summer Pay 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 ★
7601 Osler Dr, Towson, MD 21204 7700
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 ★
7601 Osler Dr, Towson, MD 21204 7700
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 ★
7601 Osler Dr, Towson, MD 21204 7700
IRA Savings Account
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%
8603 La Salle Rd, Towson, MD 21286 2002
Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Holiday Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
8603 La Salle Rd, Towson, MD 21286 2002
Coverdell Education Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
502 Washington Ave, Towson, MD 21204
PRISM Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
22 West Pennsylvania Avenue, Towson, MD 21204
Health Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
22 West Pennsylvania Avenue, Towson, MD 21204
Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
989 Fairmount Ave, Towson, MD 21204
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%
989 Fairmount Ave, Towson, MD 21204
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

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
502 Washington Ave, Towson, MD 21204
Health Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

F&M Bank Upperco, MD
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
22 West Pennsylvania Avenue, Towson, MD 21204
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%
409 Washington Ave, Towson, MD 21204
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
989 Fairmount Ave, Towson, MD 21204
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%
409 Washington Ave, Towson, MD 21204
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
989 Fairmount Ave, Towson, MD 21204
Way2Save® 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%
989 Fairmount Ave, Towson, MD 21204
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

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
502 Washington Ave, Towson, MD 21204
Deluxe Savings Club (with auto debit)
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

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 21, 2026
Details

Qualifying balance up to $1,000.00

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

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 21, 2026
Details

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

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

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

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
7741 TUCKERMAN LN, POTOMAC, MD 20854 3266
Premier Savings Accounts
3.35%
$0
Rate3.30%
Min Deposit$0
Min Balance
UpdatedMar 27, 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

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD 20746
High Yield Savings Account
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 25, 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

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.

Towson, MD Savings Rate Trends

Compare local Towson, 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%
▼ 0.181 from last week

Maryland high-yield savings rates fell 0.181 points this week to 1.370% APY, down from 1.551% last week.

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

Maryland standard savings rates fell 0.639 points this week to 0.582% APY, down from 1.221% last week.

As of Mar 27, 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 Towson, 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 Towson, 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 Towson, 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 Towson, 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 Towson, 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 Towson, 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 Towson, Maryland?

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

How do I open a savings account in Towson, 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 Towson, Maryland

Here are recent savings rates observed in Towson, Maryland and the surrounding area:
  • PNC Bank
    PNC High Yield Savings® — 3.25% APY
  • State Employees Credit Union
    Share Account — 1.59% APY
  • First Financial of Maryland FCU
    Money Manager Savings — 0.30% APY
  • Atlantic Union Bank
    IRA Variable Rate Savings — 0.25% 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 Towson, Maryland. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026