Compare Bank & Credit Union Rates
Best savings rates in Annapolis, MD
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Annapolis, MD
- Educational Systems Federal Credit UnionPremium Summer PaySavings · $0 min · 0.01%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 a year on $10,000Requirements
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.
3.93% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Premium Summer Pay Balance APY Up to $20,000Your amount 4.00% $20,000 and up 0.01% Rate checked
More details - Tower Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000intro ratePromotional rate · 3.44% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Tower Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000intro rateRequirements
Offer: New and existing Money Market accounts earn 3.50% APY on all balances through December 28, 2026.
Promotional rate · No monthly fee
Rate checked
More details - Educational Systems Federal Credit UnionHigh Yield Savings AccountSavings · $50 min · 0.01%–3.50% by balance
Credit union · 1 branch
2.75%APY$275 a year on $10,000Requirements
Product: Tiered, variable rates based on balance thresholds. Limit of one High Yield Savings Account per member. Dividends compounded and credited monthly. Balances of $500,000.01 and above earn prevailing Membership Savings rate. Effective November 1, 2026, average daily balance determines the applicable tier and the APY applies to the entire balance, with a maximum balance of $500,000 and any excess transferred daily to Membership Savings.
Offer: Average daily balance of $0.00 up to $1,000 earns Tier One rate. Dividends compounded and credited monthly. Effective November 1, 2026, tier applies to entire balance for average daily balances of $0.01 up to $25,000.
2.47% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for High Yield Savings Account Balance APY Up to $1,000 2.50% $1,000 – $50,000Your amount 2.75% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 – $500,000 3.50% Over $500,000 0.01% Rate checked
More details - NASA Federal Credit UnionPremier Money Market (PMMA)Premier Money Market (PMMA) · $10,000 min
Credit union · 1 branch
1.65%APY$165 a year on $10,000Requirements
Product: Variable rate account. Dividends compounded monthly, credited monthly. Minimum balance for dividends is $10,000 using the Average Daily Balance method. Accounts closed before the end of the dividend period will not receive accrued dividends.
Offer: Average Daily Balance requirement of $10,000 for dividend rate of 1.64% and APY of 1.65%. Minimum opening balance is $10,000.
1.64% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Educational Systems Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.00%–1.55% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Up to six pre-authorized, automatic or electronic transfers may be made to another Credit Union account in any month, with up to three of these balance transfers made by check. No ATM access.
Offer: Tier One. Dividends are compounded and credited monthly based on Average Daily Balance (ADB).
1.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 1.00% $20,000 and upTier Two. 1.15% $100,000 and upTier Three. 1.55% Rate checked
More details - 0.85%APY$85 a year on $10,000
Requirements
Product: Establishes credit union membership. Free eStatements and digital banking.
0.85% interest rate · No monthly fee · Effective Oct 3, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone.
Offer: Variable rate for daily collected balance range 0 - $9,999.99. No minimum deposit required to open; no minimum balance required to obtain APY.
0.20% interest rate · Effective Jul 15, 2026
Rate checked
More details - Atlantic Union BankMoney Market AccountMoney Market Account · $500 min · 0.15%–0.65% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Maintain a minimum daily balance of $2,500 to avoid a $12 monthly maintenance fee. $500 to open.
0.15% interest rate · $12 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 0.15% $25,000 – $100,000 0.25% $100,000 – $250,000 0.40% $250,000 and up 0.65% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Maintain a $300 daily balance or receive at least one Round Up Savings transfer credit each month (enrollment required) to avoid a $5 monthly maintenance fee.
Offer: $5 monthly maintenance fee waived with a $300 daily balance or at least one Round Up Savings transfer credit each month. $25 minimum opening deposit.
0.10% interest rate · $5 monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: $25 minimum opening deposit.
0.10% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone. Paperless customer requirement: must agree to electronic delivery of disclosures/communications and maintain a valid email address.
Offer: Variable standard rate for daily collected balance range $0.01 - $9,999.99. No minimum balance required to obtain disclosed APY.
0.10% interest rate · Effective May 20, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable rate account. Dividends compounded and credited monthly based on average daily balance. Accounts closed before dividend period end will not receive accrued dividends. No monthly maintenance fees.
Offer: Minimum balance $5.00. No monthly maintenance fees.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Annapolis, MD
45 accounts at 16 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 1.39%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.55%
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Baltimore, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 15 branches
- Freedom Federal Credit UnionCredit union · 8 branches