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Highest Savings Rates in Maryland
36 Maryland-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Maryland Rate:4.00%

The Maryland market

Maryland accounts

36

Institutions

23

Top Maryland APY

4.00% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

36 savings accounts are open only to Maryland residents, from 23 institutions. The highest advertised APY among them is 4.00%.

The highest nationally available rate is 5.00% APY, 100 basis points above the Maryland leader.

16 of the 36 Maryland savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Maryland-Specific Savings Accounts

These savings accounts are specifically available to Maryland residents.

#1

EagleBank

Eagle High-Yield Savings Account

+$400
per year
4.00% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

There is no limit on the number of withdrawals from this account in a month.

Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34742)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.30%
Since 30 days ago
Official SiteEagleBank

Direct Link to Product Page (Not Sponsored)

#2

Dollar Bank, Federal Savings Bank

Smart Savings

+$375
per year
3.75% APY
Oct 13, 2026
APY Range: 3.00% – 3.75%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A linked Dollar Bank Everything Checking account is required to open and maintain this account, and the published rates require eight qualifying monthly posted payments on that checking account. Above the first balance tier the rate is paid on the portion of the balance within each tier, so the rate table publishes a range for those tiers instead of one rate. The bank publishes a separate rate schedule for each of its markets, and the Virginia market pays a different rate on this account than the Pennsylvania, Ohio and Maryland markets.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32245)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteDollar Bank, Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#3

Forbright Bank

Sprout Savings

+$346
per year
3.46% APY
Oct 13, 2026

On the first $9,999.99 · 0.80% above

APY Range: 0.80% – 3.46%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY is applied to balances above that. See bank for more details.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
BranchesLocations in the Washington D.C. area (Maryland and Virginia)
Deposit InsuranceFDIC Insured(Cert: 57614)
EligibilityThis account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area)
Zelle®
SupportedBranch accounts only; Growth Savings online does NOT support.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteForbright Bank

Direct Link to Product Page (Not Sponsored)

#4

Forbright Bank

Bright Savings

+$270
per year
3.46% APY
Oct 13, 2026

Needs at least $250,000

APY Range: 2.45% – 3.46%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY may be obtained with as little as $0.01 in balance. See bank for more details and all tiers.

Show Fine Print & Trends
Min. Deposit$250
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
BranchesLocations in the Washington D.C. area (Maryland and Virginia)
Deposit InsuranceFDIC Insured(Cert: 57614)
EligibilityThis account must be opened in a Forbright branch (Washington, D.C. metro area)
Zelle®
SupportedBranch accounts only; Growth Savings online does NOT support.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteForbright Bank

Direct Link to Product Page (Not Sponsored)

#5

Dollar Bank, Federal Savings Bank

Platinum Savings

+$250
per year
3.75% APY
Oct 13, 2026

On balances of $100,000 to $5,000,000 · 2.50% below

APY Range: 2.50% – 3.75%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Opening this account requires a new money increase of at least $25,000, measured against the owner's average daily balances over the previous 30 days. The monthly service charge is waived only in a month when the account holds an average monthly balance of $25,000 or more. The bank publishes a separate rate schedule for each of its markets, and the Virginia market pays a different rate on this account than the Pennsylvania, Ohio and Maryland markets.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32245)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteDollar Bank, Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#6

Gateway First Bank

Gateway High Yield Savings

+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#7

EagleBank

Eagle Savings

+$193
per year
1.93% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34742)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.25%
Since 30 days ago
Official SiteEagleBank

Direct Link to Product Page (Not Sponsored)

#8

First Shore Federal Savings and Loan Association

Statement Savings

+$175
per year
1.75% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$200
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30680)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Shore Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#9

Dollar Bank, Federal Savings Bank

Premier Savings

+$120
per year
1.40% APY
Oct 13, 2026

On balances of $100,000.01 to $5,000,000 · 1.20% below

APY Range: 0.30% – 1.40%
FDIC InsuredMod. MinimumIn-Person Access
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32245)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteDollar Bank, Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#10

CNB Bank, Inc.

Kasasa Saver

+$50
per year
0.50% APY
Oct 7, 2026

On balances up to $10,000 · no rate stated above

FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

Rate applies when the linked Kasasa checking account's monthly qualifications are met. Otherwise the account pays a lower base rate. Requires a Kasasa checking account. The stated APY applies to balances up to $10,000. The portion above $10,000 earns a lower interest rate.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14507)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCNB Bank, Inc.

Direct Link to Product Page (Not Sponsored)

#11

Gateway First Bank

Personal Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#12

Calvin B. Taylor Banking Company of Berlin, Maryland

Savings

+$40
per year
0.40% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A minimum balance fee applies when the balance falls below $25.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5874)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCalvin B. Taylor Banking Company of Berlin, Maryland

Direct Link to Product Page (Not Sponsored)

#13

Harford Bank

Regular Statement Savings

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A monthly service charge applies when the balance falls below $100.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19101)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteHarford Bank

Direct Link to Product Page (Not Sponsored)

#14

Community State Bank of Orbisonia

Statement Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The monthly fee is waived when a minimum balance of $250 is kept. The online application is open to residents of Pennsylvania, of Mineral, Hampshire, Morgan and Berkley counties in West Virginia, and of Washington, Allegany and Frederick counties in Maryland.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance FeeNo monthly fee if minimum balance of $250 is met; otherwise $5
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16976)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCommunity State Bank of Orbisonia

Direct Link to Product Page (Not Sponsored)

#15

John Marshall Bank

Supreme Savings

+$20
per year
0.65% APY
Oct 7, 2026

Needs at least $50,000.01

APY Range: 0.20% – 0.65%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58243)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteJohn Marshall Bank

Direct Link to Product Page (Not Sponsored)

#16

Orrstown Bank

Essential Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$250
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 713)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteOrrstown Bank

Direct Link to Product Page (Not Sponsored)

#17

Orrstown Bank

Momentum Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A Momentum Checking account must be maintained, unless the primary account owner is under age 18. After the first year, an average daily balance of $100 is required to avoid a monthly paper statement fee.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 713)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteOrrstown Bank

Direct Link to Product Page (Not Sponsored)

#18

ACNB Bank

Companion Savings Account

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

The account must be opened on the same day as a new CD with a term of 12 months or more, and its balance cannot be more than the CD amount. Deposits can be added only when a new CD is opened.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7506)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteACNB Bank

Direct Link to Product Page (Not Sponsored)

#19

Eastern Savings Bank, FSB

Consumer Savings

+$15
per year
2.50% APY
Oct 7, 2026

Needs at least $500,000

APY Range: 0.05% – 2.50%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32360)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteEastern Savings Bank, FSB

Direct Link to Product Page (Not Sponsored)

#20

Homewood Federal Savings Bank

Statement Savings

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 31267)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteHomewood Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#21

Jarrettsville Federal Savings and Loan Association

Statement Savings

+$15
per year
0.15% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 31083)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteJarrettsville Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#22

John Marshall Bank

Regular Savings

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58243)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.05%
Since 7 days ago
Official SiteJohn Marshall Bank

Direct Link to Product Page (Not Sponsored)

#23

Atlantic Union Bank

Personal Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $3 activity fee applies to each withdrawal after the third in a month.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34589)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteAtlantic Union Bank

Direct Link to Product Page (Not Sponsored)

#24

Atlantic Union Bank

PRISM Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34589)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteAtlantic Union Bank

Direct Link to Product Page (Not Sponsored)

#25

Dollar Bank, Federal Savings Bank

No Overdraft Savings

+$10
per year
0.10% APY
Oct 13, 2026

Needs at least $250

APY Range: 0.00% – 0.10%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

This account is a companion to a No Overdraft Checking account. All deposits and withdrawals must be transferred through that checking account, and the bank allows no direct access to the savings account.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32245)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteDollar Bank, Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#26

Dollar Bank, Federal Savings Bank

Passbook Savings

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32245)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteDollar Bank, Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#27

Dollar Bank, Federal Savings Bank

Statement Savings

+$10
per year
0.10% APY
Oct 13, 2026

Needs at least $250

APY Range: 0.00% – 0.10%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The bank publishes a separate rate schedule for each of its markets, and the Virginia market pays a different rate on this account than the Pennsylvania, Ohio and Maryland markets.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32245)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteDollar Bank, Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#28

Arundel Federal Savings Bank

Goal Maker Savings

+$6
per year
0.64% APY
Oct 3, 2026

On balances up to $2,500 · 0.06% above

APY Range: 0.06% – 0.64%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Interest is paid only on the balance within each tier, not on the whole balance at the higher tier's rate. One account is allowed per customer tax identification number.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28780)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteArundel Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#29

BayVanguard Bank

Statement Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$50
Maintenance Fee$5 or $0. Fee is $0 if the account maintains an average daily balance per statement cycle of $50.
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32527)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBayVanguard Bank

Direct Link to Product Page (Not Sponsored)

#30

Farmers and Merchants Bank

Savings Account

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1895)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFarmers and Merchants Bank

Direct Link to Product Page (Not Sponsored)

#31

Arundel Federal Savings Bank

Statement Savings

+$4
per year
0.04% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$50
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28780)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteArundel Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#32

Bank of America

Advantage Savings

+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$8
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#33

Citibank

Citi® Savings Account

+$3
per year
0.03% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityCalifornia, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met.
Zelle®
SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings
BBB Rating
D-(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#34

PNC

Standard Savings

+$3
per year
0.03% APY
Oct 12, 2026

Needs at least $2,500

APY Range: 0.02% – 0.03%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may improve with a linked PNC account. Terms and conditions apply.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$1
Maintenance Fee$0 / $5 (see bank for details)
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit InsuranceFDIC Insured(Cert: 6384)
EligibilityUnited States
Zelle®
SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#35

Bank of America

Advantage Relationship Banking

+$1
per year
0.02% APY
Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#36

TD Bank

TD Signature Savings

+$1
per year
2.50% APY
Oct 13, 2026

Needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account

APY Range: 0.01% – 2.50%
FDIC InsuredHigh MinimumLinked AccountGreat iOS AppGreat Android AppIn-Person Access

What to Watch

Tiered savings account. Rates can vary by location and by eligibility for the relationship rate bump. The highest rate needs a linked eligible TD account and a balance of at least $250,000.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$250,000
Maintenance Fee$15. Waived with a $10,000 minimum daily balance or a linked TD Beyond or TD Complete checking account.
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 18409)
EligibilityUnited States
Mobile Ratings
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteTD Bank

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Maryland.

InstitutionProduct / Term
Axos Bank
Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate
Up to5.00%
GO2bank
High Yield Savingsfirst $5,000 only · needs a linked account at the bank
Up to4.50%
Elevault
High Yield Savings Account
4.34%
Peak Bank
Envision High Yield Savingsup to $499,999.99 only
4.27%
Betterment
Cash Reservepromotional rate
Up to4.25%
Neighbors Bank
Neighbors Savings Account
4.25%
Pibank
Pibank Savings
4.25%
EverBank
Performance Savings
4.20%

See the full national list