Compare Bank & Credit Union Rates
Best savings rates in Westminster, 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 Westminster, MD
- First Financial Federal Credit UnionShare SavingsSavings · $1 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Dividends compounded daily and credited quarterly. Rate may change after account is opened. $1 minimum balance requirement. No monthly maintenance fees. First Financial makes initial $1.00 deposit for all new members.
Offer: Dividends compounded daily and credited quarterly.
Compounded daily · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $2,000 0.10% $2,000 and upYour amount 0.20% Rate checked
More details - First Financial Federal Credit UnionMoney Manager AccountMoney Manager Account · $10,000 min · 0.10%–0.30% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Must reside or work in MD, PA, VA, WV, or DC. $10,000 monthly balance requirement; balances below $10,000 earn lower-tier dividend rates. Dividends compounded daily and credited monthly.
Offer: Dividends compounded daily and credited monthly.
Compounded daily · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Manager Account Balance APY Up to $2,000 0.10% $2,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.20% $100,000 – $250,000 0.20% $250,000 – $500,000 0.20% $500,000 – $750,000 0.30% $750,000 and up 0.30% Rate checked
More details - First Financial Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Must reside or work in MD, PA, VA, WV, or DC. $2,500 monthly balance requirement; balances below $2,500 earn lower-tier dividend rates. Dividends compounded daily and credited monthly.
Offer: Dividends compounded daily and credited monthly.
Compounded daily · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,000 0.10% $2,000 – $2,500 0.20% $2,500 and upYour amount 0.20% Rate checked
More details - 0.15%APY$15 a year on $10,000with conditions
Requirements
Product: Must be opened on the same day as a new or reinvesting Certificate of Deposit (CD) with a term equal to or greater than 12 months. Requires new money with a maximum deposit equal to the corresponding CD amount.
Offer: Open with $1,000. Maintain a $1,000 daily balance in the account to earn interest and avoid the $3 monthly fee. Interest is calculated monthly using the daily balance method. Unlimited in-person withdrawals at Community Banking Offices.
Qualified rate · $3 monthly fee · Effective Dec 19, 2024
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Open account with as little as $5 to become a Point Breeze Credit Union member. No monthly fee. Dividends compounded and credited quarterly. Rate may change after account is opened.
Offer: Compounded and credited quarterly. Rates are subject to change without notice and may change after the account is opened.
No monthly fee · Effective Oct 3, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 2 branches
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 - Farmers & Merchants BankInsured Money MarketInsured Money Market · $25 min · 0.03%–0.60% by balance
Bank · 2 branches
0.07%APY$7 a year on $10,000Requirements
Product: Interest rate is variable and may change at any time after account opening. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Maintain minimum balance to avoid monthly maintenance fees.
Offer: Tier 6 rate. Average Daily Balance to obtain APY: N/A. Variable rate subject to change.
0.03% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Insured Money Market Balance APY Any balance 0.03% $2,500 and upTier 5 rate. 0.05% $10,000 and upYour amountTier 4 rate. 0.07% $25,000 and upTier 3 rate. 0.25% $100,000 and upTier 2 rate. 0.40% $250,000 and upTier 1 rate. 0.60% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 2 branches
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 · 2 branches
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 $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Variable interest rate; interest rate may change at any time after account opening. A penalty may be imposed for early withdrawal, and fees could reduce earnings on the account.
0.05% interest rate · Effective Oct 4, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 2 branches
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: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 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
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 Westminster, MD
26 accounts at 10 banks and credit unions · checked Oct 6–22
- Typical
- 0.03%
- Top 10% from
- 0.18%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.20%
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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