Bank · FDIC insured
The Harbor Bank of Maryland Savings Rates
The Harbor Bank of Maryland’s best savings rate is 0.05% APY on $10,000, with its NOW Account. Rates checked October 22, 2026.
How The Harbor Bank of Maryland’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where The Harbor Bank of Maryland has the most branches. $10,000, best rate first.
This bank’s best
The Harbor Bank of Maryland
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
NOW Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
The Harbor Bank of Maryland savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 The Harbor Bank of Maryland 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.
Investment Money Market Account
0.25%APY
Fixed rates available through 8/31/2026. Fees imposed may reduce earnings. Accounts closed within 90 days of opening will be charged $15.00. Monthly fee of $50 avoided with $25,000 minimum daily balance. Minimum opening deposit $25,000. Limit of 6 debit transactions per statement cycle ($10 fee per excess item).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upTier I; minimum balance to obtain APY is $2,500; fixed rates available through 8/31/2026; monthly fee of $50 avoided with $25,000 daily balance | 0.25% | $25 | Tier I; minimum balance to obtain APY is $2,500; fixed rates available through 8/31/2026; monthly fee of $50 avoided with $25,000 daily balance |
| $25,000 and upTier II; minimum balance to obtain APY is $25,000; fixed rates available through 8/31/2026; monthly fee of $50 avoided with $25,000 daily balance | 0.30% | — | Tier II; minimum balance to obtain APY is $25,000; fixed rates available through 8/31/2026; monthly fee of $50 avoided with $25,000 daily balance |
| $50,000 and upTier III; minimum balance to obtain APY is $50,000; fixed rates available through 8/31/2026; monthly fee of $50 avoided with $25,000 daily balance | 0.50% | — | Tier III; minimum balance to obtain APY is $50,000; fixed rates available through 8/31/2026; monthly fee of $50 avoided with $25,000 daily balance |
Sources (1)
- theharborbank.com/Personal-Banking/Personal-Savings · captured Sep 24, 2026
Money Market
0.20%APY
Fixed rates available through 8/31/2026. Fees imposed may reduce earnings. Accounts closed within 90 days of opening will be charged $15.00. Monthly fee of $25 avoided with $2,500 minimum daily balance. Minimum opening deposit $2,500. Limit of 6 debit transactions per statement cycle ($10 fee per excess item).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upTier I; minimum balance to obtain APY is $2,500; fixed rates available through 8/31/2026; monthly fee of $25 avoided with $2,500 daily balance | 0.20% | $20 | Tier I; minimum balance to obtain APY is $2,500; fixed rates available through 8/31/2026; monthly fee of $25 avoided with $2,500 daily balance |
| $15,000 and upTier II; minimum balance to obtain APY is $15,000; fixed rates available through 8/31/2026; monthly fee of $25 avoided with $2,500 daily balance | 0.25% | — | Tier II; minimum balance to obtain APY is $15,000; fixed rates available through 8/31/2026; monthly fee of $25 avoided with $2,500 daily balance |
Sources (1)
- theharborbank.com/Personal-Banking/Personal-Savings · captured Sep 24, 2026
Statement Savings
0.10%APY
Requires a daily balance of $100 to avoid a monthly fee of $3. Rates available through 8/31/2026. Accounts closed within 90 days of opening will be charged $15.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upRequires a daily balance of $100 to avoid a monthly fee of $3; minimum balance to obtain APY is $1,000. Rates available through 8/31/2026.$1,000 and up | 0.10% | $10 | Requires a daily balance of $100 to avoid a monthly fee of $3; minimum balance to obtain APY is $1,000. Rates available through 8/31/2026. |
Sources (1)
- theharborbank.com/Personal-Banking/Personal-Savings · captured Sep 19, 2026
NOW Account
0.05%APY
Rates valid through 2026-08-31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upRate applies to daily balance of at least $1,000.$1,000 and up | 0.05% | $5 | Rate applies to daily balance of at least $1,000. |
Sources (1)
- theharborbank.com/Personal-Banking/Personal-Savings · captured Sep 19, 2026
Special-purpose accounts
Gold Plus 55+
0.05%APY
Rates valid through 2026-08-31. Must be 55+.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upRate applies to daily balance of at least $1,000.$1,000 and up | 0.05% | $5 | Rate applies to daily balance of at least $1,000. |
Sources (1)
- theharborbank.com/Personal-Banking/Personal-Savings · captured Sep 19, 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.