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 Gaithersburg, MD
- 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - Mid-Atlantic Federal Credit UnionMoney Market Plus AccountMoney Market Plus Account · $2,500 min · 1.00%–1.70% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: No monthly maintenance fee. Limited to 6 written checks per month, fee applies to items exceeding this limit.
1.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Plus Account Balance APY Up to $100,000Your amount 1.00% $100,000 – $250,000 1.10% $250,000 – $500,000 1.30% $500,000 – $1,000,000 1.50% Over $1,000,000 1.70% Rate checked
More details - Mid-Atlantic Federal Credit UnionRegular Share Savings AccountSavings · $5 min
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Establishes membership with MAFCU. Must be 18 and over to open online. Earn competitive dividends on balances of $5 or more. Free digital solutions and quarterly statements. Unlimited free withdrawals.
0.30% interest rate · No monthly fee · Effective Oct 21, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Set aside money separate from savings for nearly anything. Earn competitive dividends on your entire balance. Direct deposit or internal transfers available. Free digital solutions. Must be 18 and over to open online.
0.30% interest rate · No monthly fee · Effective Oct 21, 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividends credited and compounded monthly on full balance. Membership requirement.
0.20% interest rate · Compounded monthly · Effective Oct 8, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
0.20% interest rate · Effective Oct 8, 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 - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
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 - 0.09%APY$9 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
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 Gaithersburg, MD
39 accounts at 14 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 0.26%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.28%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches