Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 61–75 results in Baltimore, MD metro
- Destinations Credit UnionHigh Yield AccountSavings · $2,500 min · 0.15%–0.20% by balance
Credit union · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: Variable dividend rate Savings Share. Dividends calculated daily, compounded monthly and paid monthly. Minimum required daily balance is $2,500.00; failing to maintain $2,500.00 minimum daily balance may result in account closure and transfer of funds to a Savings Share. $2,500 minimum deposit to open. No monthly service fee. Rate subject to change every month.
Offer: Variable dividend rate. Tier 1: $2,500 - $9,999.99. Minimum daily balance to avoid account closure is $2,500.00. No monthly service fee.
0.15% interest rate · Compounded monthly · No monthly fee · Effective Oct 8, 2026
Rate by balance
Rate by balance for High Yield Account Balance APY $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 and up 0.20% Rate checked
More details - First Financial Federal Credit UnionShare SavingsSavings · $1 min · 0.10%–0.20% by balance
Credit union · 8 branches
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 · 8 branches
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 · 8 branches
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 - 0.20%APY$20 a year on $10,000
Requirements
Product: Save for vacation, down payment, special event, or large purchase. Deposit or withdraw funds at any time. Dividends compounded and credited quarterly on the daily balance.
Offer: APY as high as 0.20%. Dividends compounded and credited quarterly on the daily balance.
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Required for membership. Dividends compounded and credited quarterly. Rate may change after account is opened.
Offer: $5 minimum required to earn dividends. Rate may change monthly. Dividends compounded and credited quarterly.
0.20% interest rate · Effective Oct 3, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: $100 minimum opening deposit. Early withdrawals during the initial term incur a penalty; once the term ends, one penalty-free withdrawal allowed per quarter. Variable rate account; rates subject to change.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - Atlantic Union BankMoney Market AccountMoney Market Account · $500 min · 0.15%–0.65% by balance
Bank · 12 branches
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 - 0.15%APY$15 a year on $10,000
Requirements
Product: Open and maintain membership with $5. Up to 6 withdrawals monthly ($3 per additional withdrawal).
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - Eastern Savings BankConsumer Savings AccountsSavings · $100 min · 0.05%–2.50% by balance
Bank · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: Savings accounts are offered to Maryland residents only. Average monthly balance avoids monthly fee. Annual Percentage Yield (APY) may change after account opening. Fees may reduce earnings.
Offer: Compounding frequency is daily. Average monthly balance avoids monthly fee. Annual Percentage Yield (APY) may change after account opening. Fees may reduce earnings.
0.05% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Consumer Savings Accounts Balance APY Over $0 0.05% $500 and up 0.08% $1,000 and up 0.08% $5,000 and up 0.10% $10,000 and upYour amount 0.15% $25,000 and up 0.50% $50,000 and up 0.95% $75,000 and up 1.00% $100,000 and up 1.50% $500,000 and up 2.50% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Available for Maryland and Pennsylvania residents; all others on a case-by-case basis. Applicants must physically come to location to open account. Interest is compounded daily, posted monthly, and computed from day of deposit to day of withdrawal.
Offer: Minimum balance must be maintained to obtain APY.
0.15% interest rate · Compounded daily · No monthly fee · Effective Sep 29, 2026
Rate checked
More details - USAA Federal Savings BankUSAA Performance First SavingsSavings · $1,000 min · 0.10%–3.00% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000with conditionsRequirements
Product: Available to eligible USAA members. Enrolling in the Relationship Rates Program and linking an eligible USAA Classic Checking account may qualify the account for higher rates. No monthly service fees.
Offer: Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury.
Qualified rate · No monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for USAA Performance First Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 and upPromotional rate offer: Apply for a first eligible USAA Performance First Savings account between August 11, 2026, and November 17, 2026 (11:59 p.m. CT). Deposit at least $25,000 in new money from outside USAA Bank within 30 calendar days of account opening. Earns 3.00% APY for 6 months, after which the rate reverts to the applicable variable APY. Excludes current or former USAA Savings or USAA Performance First Savings owners within the last 6 months, as well as trust/estate/fiduciary accounts. 3.00% $50,000 – $100,000 0.60% $100,000 – $250,000 0.70% $250,000 – $500,000 0.80% $500,000 – $1,000,000 1.10% $1,000,000 and up 1.10% Rate checked
More details - Homewood Federal Savings BankMoney MarketMoney Market · $2,500 min · 0.05%–0.40% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Limited to the State of Maryland. Check writing available; tiered rate structure.
0.05% interest rate · Effective Nov 11, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $20,000Your amount 0.15% $20,000 and up 0.40% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Limited to the State of Maryland. No minimum balances or fees.
0.15% interest rate · Effective Nov 11, 2025
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
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 Baltimore, MD metro
143 accounts at 53 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.62%
- Banks, typical
- 0.10%
- 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