Highest Money Market Rates in Maryland
21 Maryland-specific accounts
Top Maryland Rate:3.60% APYFDIC or NCUA Insured
The Maryland market
Maryland accounts
21
Institutions
16
Top Maryland APY
3.60% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
21 money market accounts are open only to Maryland residents, from 16 institutions. The highest advertised APY among them is 3.60%.
The highest nationally available rate is 4.00% APY, 40 basis points above the Maryland leader.
15 of the 21 Maryland money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Maryland-Specific Money Market Accounts
Money market accounts specifically available to Maryland residents.
| Institution | Product / Term | APY |
|---|---|---|
| Harford Bank | Community Money Market Accountneeds at least $5,000,000 | Up to3.60% |
| Jarrettsville Federal Savings and Loan Association | Money Marketneeds at least $1,500,000 | Up to3.40% |
| BayVanguard Bank | Personal Premier Money Market Savingsneeds a linked account at the bank and at least $100,000 · 0.00% to 2.13% without the linked account · requires direct deposit | Up to3.13% |
| Farmers and Merchants Bank | Local Advantage Money Marketneeds at least $500,000 | 3.00% |
| BayVanguard Bank | ICS Personal Premier Money Market Savingsneeds at least $1,000,000 | Up to2.98% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| EagleBank | Eagle Money Market Accountneeds at least $500,000 | Up to2.48% |
| Atlantic Union Bank | Performance Money Market | 2.25% |
| Calvin B. Taylor Banking Company of Berlin, Maryland | Tiered Money Marketneeds at least $100,000 | Up to1.87% |
| Orrstown Bank | Preferred Money Market Accountneeds at least $1,000,000 | Up to1.66% |
| First Shore Federal Savings and Loan Association | Gold Money Marketneeds at least $250,000 | Up to1.50% |
| John Marshall Bank | Money Market Accountneeds at least $500,000.01 | Up to1.50% |
| Arundel Federal Savings Bank | Money Market Savingsneeds at least $500,000 | Up to0.80% |
| Farmers and Merchants Trust Company of Chambersburg | Money Management Accountneeds at least $250,000 | Up to0.75% |
| Atlantic Union Bank | Money Market Accountneeds at least $250,000 | Up to0.65% |
| Farmers and Merchants Bank | Insured Money Marketneeds at least $250,000 | Up to0.60% |
| First Shore Federal Savings and Loan Association | Money Marketneeds at least $2,500 | 0.50% |
| Homewood Federal Savings Bank | Money Market Advantageneeds at least $40,000 | 0.50% |
| Homewood Federal Savings Bank | Money Marketneeds at least $20,000 | Up to0.40% |
| Presidential Bank | Commercial Money Market | 0.15% |
| The Bank of Glen Burnie | Money Market Savings | 0.05% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Maryland.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |