Best savings rates in Maryland

Requirements

Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.

Offer: Includes base rate (3.50% APY) plus +0.50% APY for opening a Woori America Bank Checking Account with monthly ACH deposits of at least $100, +0.50% APY for paperless eStatements, and +0.50% APY for opening a Woori America Bank Credit Card and linking checking account for payments (subject to credit approval).

Requirements

Product: Must maintain a minimum balance of $1,000 in the account daily to avoid a $10 monthly maintenance fee. Variable rate subject to change. No check writing privileges.

Offer: Minimum balance to obtain APY is $1,000. Daily balance of $1,000 required to avoid $10 monthly maintenance fee. No check writing privileges.

Requirements

Product: Must maintain a minimum balance of $1,000 in the account daily to avoid a $10 monthly maintenance fee. Variable rate subject to change.

Offer: Minimum balance to obtain APY is $1,000. Daily balance of $1,000 required to avoid $10 monthly maintenance fee.

Requirements

Product: Available for Direct Deposits received from qualifying school systems and community colleges. In the summer, funds accumulated throughout the year are automatically transferred to an ESFCU savings/checking account or another financial institution in four equal proportions on the first and third Friday of July and August. A $35 early withdrawal fee applies outside this period.

Offer: Tier One APY applies to average daily balances up to $20,000. Dividends compounded and credited monthly. Direct Deposit from qualifying school system or community college required.

Requirements

Offer: Variable rate account. Rates are subject to change at any time without notice and are not guaranteed until the account is opened. Fees may reduce earnings.

Requirements

Product: Available only online. Variable rate account.

Requirements

Product: Available online. Deposit accounts are not available in Puerto Rico or other US territories.

Offer: Variable earnings. No confusing tiers. No cap on interest earned. No overdraft fees. $1.00 minimum opening deposit required and no minimum amount required to obtain APY.

Requirements

Product: Must pair with an active High-Yield VIP Checking Account and meet qualifications for VIP Checking Gold or Platinum tier. APY applies to balances up to $25,000; balances above $25,000 earn top-tier main share savings rate. If criteria are not met, rate earned is bottom tier main share savings rate.

Offer: Requires active VIP Checking account and meeting Gold or Platinum tier qualifications. Balances above $25,000 earn top-tier main share savings rate. If criteria not met, earns bottom tier main share savings rate.

Requirements

Product: Personal accounts only (not available for businesses). Daily balance method used to calculate interest. Interest compounded and credited monthly on the last business day of the month.

Offer: When you maintain an open Advantage Checking account.

Requirements

Product: Requires checking account. Monthly service fee $0, minimum balance $0.

Requirements

Product: Requires new money not currently on deposit at Univest or its affiliates. Guaranteed promotional rate through December 31, 2026; converts to standard rates and terms starting January 1, 2027. Can be opened online or in-person at select locations, and in-person only at all other PA/NJ financial centers. Not available on business accounts. Withdrawal limitations apply.

Offer: For balances less than $5,000; guaranteed promotional rate until December 31, 2026 on new money not currently on deposit at Univest or its affiliates. Starting January 1, 2027, converts to standard rates and terms.

Requirements

Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.

Offer: Base rate for opening SmartStep Installment Savings Account.

Requirements

Offer: New and existing Money Market accounts earn 3.50% APY on all balances through December 28, 2026.

Requirements

Product: Requires an average year-to-date relationship balance of $250,000 or greater across deposit accounts and/or outstanding loans to be eligible.

Offer: Monthly fee of $10 is waived with a minimum daily balance of $2,500 during the statement cycle. Requires an average year-to-date relationship balance of $250,000 or greater. Interest is calculated daily and credited monthly.