Compare Bank & Credit Union Rates
Best savings rates in Prince Frederick, 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 Prince Frederick, 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 - 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 - Cedar Point Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.00%–1.41% by balance
Credit union · 1 branch
1.21%APY$121 a year on $10,000Requirements
Product: Withdrawals are limited to six per month with a minimum withdrawal amount of $250.00. Dividends calculated by average daily balance method. If balance is less than $2,500.00, the account reverts to the Primary Savings Account rate.
Offer: Tier 1 rate applies to average daily balances less than $10,000 (minimum $2,500.00 to earn APY).
1.00% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 1.00% $10,000 – $25,000Your amountAPY is listed as a range 1.00 - 1.12% on the rates table. 1.21%* $25,000 and upAPY is listed as a range 1.12 - 1.41% on the rates table. 1.41%* 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 - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 1 branch
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.04% $100,000 – $250,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $250,000 – $500,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $500,000 – $1,000,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $1,000,000 and upStandard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Requires maintaining a minimum $5 balance throughout membership. Account number serves as Member ID. Average daily balance of at least $100 to earn dividends. Quarterly dividends.
0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Can be opened at any time by members. Average daily balance of at least $100 to earn dividends. Quarterly dividends.
0.05% interest rate
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 1 branch
0.04%APY$4 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account.
Qualified rate · 0.04% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.04% $10,000 – $25,000Your amount 0.04% $25,000 – $50,000 0.04% $50,000 – $100,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.04% $250,000 – $500,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Base savings account that establishes Credit Union membership with a minimum balance of $5. Dividends are compounded and credited quarterly.
Offer: Dividends compounded and credited quarterly. Minimum balance to earn stated APY is $5.00.
0.01% interest rate · Effective Sep 1, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.
Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.
0.01% interest rate · $5 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.
Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.
0.01% interest rate · $5 monthly fee · Effective Oct 2, 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 Prince Frederick, MD
22 accounts at 7 banks and credit unions · checked Oct 6–22
- Typical
- 0.03%
- Top 10% from
- 1.19%
- Banks, typical
- 0.01%
- Credit unions, typical
- 1.00%
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Lexington Park, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 2 branches
- Cedar Point Federal Credit UnionCredit union · 5 branches
- Navy Federal Credit UnionCredit union · 1 branch