Waldorf, 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 Waldorf, Maryland and the surrounding area include SPECTRASPECTRA1024 Saint Nicholas Dr, Waldorf, MD 20603A+5.0 ★Texas Ratio: 0.00% Brilliant Kid's Savings Account at 10.38% APY, Andrews Federal Credit UnionAndrews Federal Credit Union2595 Crain Hwy, Waldorf, MD 20601A5.0 ★Texas Ratio: 11.92% Online Savings Account at 5.00% APY, PNC BankPNC Bank3135 Crain Hwy, Waldorf, MD 20603A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Cedar Point Federal Credit UnionCedar Point Federal Credit Union11100 Weymouth Ct, Waldorf, MD 20603A+5.0 ★Texas Ratio: 3.92% IRA or ESA Savings at 1.00% APY, and Wells FargoWells Fargo3050 Waldorf Market Pl, Waldorf, MD 20603A5.0 ★Texas Ratio: 7.44% Retirement High Yield 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 Waldorf, 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 Waldorf, Maryland (MD) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Waldorf, Maryland and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Waldorf, Maryland & Surrounding Communities
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
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
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
Bonus Rate 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
Qualifying balance up to $10,000.00; ** Available to Baltimore County and Harford County school employees in the public and private sector
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.
Waldorf, MD Savings Rate Trends
Compare local Waldorf, 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 0.130 points this week to 1.370% APY, down from 1.500% last week.
Maryland standard savings rates fell 0.048 points this week to 0.582% APY, down from 0.630% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Waldorf, 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 Waldorf, 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 Waldorf, Maryland
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Waldorf, Maryland safe?
How often do savings rates change in Waldorf, 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 Waldorf, Maryland?
How do I open a savings account in Waldorf, Maryland?
Best Savings Rates in Waldorf, Maryland
- SPECTRA
Brilliant Kid's Savings Account — 10.38% APY - Andrews Federal Credit Union
Online Savings Account — 5.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Cedar Point Federal Credit Union
IRA or ESA Savings — 1.00% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY
