Bank · FDIC insured
First Shore Federal Savings Rates
Top CarrotFirst Shore Federal’s best savings rate is 1.75% APY on $10,000, with its Statement Savings. Rates checked October 22, 2026.
How First Shore Federal’s savings rates compare
Compared with banks and credit unions near Ocean Pines, MD, where First Shore Federal has the most branches. $10,000, best rate first.
This bank’s best
First Shore Federal
1.75%APY
- Minimum
- $100
- Earns on $10,000 a year
- $175
Statement Savings
2nd-highest rate
Taylor Bank
1.00%APY
- Minimum
- $750
- Earns on $10,000 a year
- $100
3rd-highest rate
Woodforest National Bank
1.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $100
First Shore Federal savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.75%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Shore Federal ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
GOLD Money Market Account
0.50%APY
Deposits accepted from residents of the Eastern Shore of Maryland, Virginia's Eastern Shore and lower Delaware. A high yield money market account with easy access to your funds. Free 'Gold Money Market' check orders for life of the account. Unlimited check writing. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. Earn interest monthly when daily balance exceeds $2,500. Higher rates available based on balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upEarn interest monthly when daily balance exceeds $2,500. Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. | 0.50% | $50 | Earn interest monthly when daily balance exceeds $2,500. Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. |
| $25,000 and upMonthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. | 0.50% | — | Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. |
| $50,000 and upMonthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. | 0.75% | — | Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. |
| $100,000 and upMonthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. | 1.00% | — | Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. |
| $250,000 and upMonthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. | 1.50% | — | Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $2,500; $10.00 monthly maintenance service charge if average daily balance falls below $2,500. |
Sources (2)
All captured Oct 22, 2026
Money Market Account
Up to 0.50%APY
Deposits accepted from residents of the Eastern Shore of Maryland, Virginia's Eastern Shore and lower Delaware. A savings account that offers unlimited check writing. No monthly maintenance service charge with an average daily balance of $1,000; $7.50 monthly maintenance service charge if average daily balance falls below $1,000 (waived for non-profit organizations). Earn interest monthly when daily balance exceeds $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upEarn interest monthly when daily balance exceeds $1,000. Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $1,000; $7.50 monthly maintenance service charge if average daily balance falls below $1,000 (waived for non-profit organizations). | 0.05% | $5 | Earn interest monthly when daily balance exceeds $1,000. Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $1,000; $7.50 monthly maintenance service charge if average daily balance falls below $1,000 (waived for non-profit organizations). |
| $2,500 and upMonthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $1,000; $7.50 monthly maintenance service charge if average daily balance falls below $1,000 (waived for non-profit organizations). | 0.50% | $50 | Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $1,000; $7.50 monthly maintenance service charge if average daily balance falls below $1,000 (waived for non-profit organizations). |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Statement Savings
1.75%APY
$100 minimum opening balance. Earn interest quarterly when daily balance exceeds $200. No quarterly maintenance service charge with an average daily balance of $200; $5.00 quarterly maintenance service charge if average daily balance falls below $200. Maintenance Service Charge waived for minors and non-profit organizations. Rates may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum $200 daily balance to earn interest. No term; monthly compounding. $5.00 quarterly maintenance service charge if average daily balance falls below $200 (waived for minors and non-profit organizations).$200 and up | 1.75% | $175 | Minimum $200 daily balance to earn interest. No term; monthly compounding. $5.00 quarterly maintenance service charge if average daily balance falls below $200 (waived for minors and non-profit organizations). |
Sources (2)
All captured Oct 15, 2026
Christmas Club Savings Account
0.50%APY
$10 minimum opening balance. Earn interest annually when daily balance exceeds $100. Direct deposit available. Club checks mailed annually at the end of the Christmas Club term in late September. Rates may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 daily balance to earn interest. Term Club Year/Annual Compounding.$100 and up | 0.50% | $50 | Minimum $100 daily balance to earn interest. Term Club Year/Annual Compounding. |
Sources (2)
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.