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 1–15 results in Ocean Pines, MD metro
- 1.75%APY$175 a year on $10,000
Requirements
Product: $100 minimum opening balance. Earn interest quarterly when daily balance exceeds $200. No quarterly maintenance service charge with an average daily balance of $200; $5.00 quarterly maintenance service charge if average daily balance falls below $200. Maintenance Service Charge waived for minors and non-profit organizations. Rates may change after account opening.
Offer: Minimum $200 daily balance to earn interest. No term; monthly compounding. $5.00 quarterly maintenance service charge if average daily balance falls below $200 (waived for minors and non-profit organizations).
1.74% interest rate · Effective Oct 1, 2026
Rate checked
More details - Taylor BankTiered Money MarketTiered Money Market · $750 min · 0.75%–1.87% by balance
Bank · 8 branches
1.00%APY$100 a year on $10,000Requirements
Product: Variable rate account; rates may change after account opening. Maintain a $750 balance to avoid a fee.
Offer: Variable rate account. Minimum balance to earn APY is $750.00.
0.75% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Tiered Money Market Balance APY $750 – $10,000 0.75% $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.51% $100,000 and up 1.87% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - First Shore FederalMoney Market AccountMoney Market Account · $1,000 min · 0.05%–0.50% by balance
Bank · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Deposits accepted from residents of the Eastern Shore of Maryland, Virginia's Eastern Shore and lower Delaware. A savings account that offers unlimited check writing. No monthly maintenance service charge with an average daily balance of $1,000; $7.50 monthly maintenance service charge if average daily balance falls below $1,000 (waived for non-profit organizations). Earn interest monthly when daily balance exceeds $1,000.
Offer: Earn interest monthly when daily balance exceeds $1,000. Monthly compounding. Fees could reduce earnings. Rates may change after account opening. No monthly maintenance service charge with an average daily balance of $1,000; $7.50 monthly maintenance service charge if average daily balance falls below $1,000 (waived for non-profit organizations).
0.05% interest rate · $7.50 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.05% $2,500 and upYour amount 0.50% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Variable-rate account; rates may change after account opening. A minimum balance fee is applied if balance falls below $25.00.
Offer: Variable rate; minimum balance to earn APY is $0.00; minimum balance fee applies if balance falls below $25.00.
0.40% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 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 - 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 - 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 - 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
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 Ocean Pines, MD metro
23 accounts at 9 banks and credit unions · checked Sep 25–Oct 22
- Typical
- 0.10%
- Top 10% from
- 0.90%
- Banks, typical
- 0.09%
- Credit unions, typical
- 0.20%
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Ocean Pines, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Shore FederalBank · 3 branches