A money market savings account gives you more flexibility than a CD, while returning higher interest than a traditional savings account. At Howard Bank, you can open a Personal Money Market account with as little as $250. As your balance grows, you will earn higher interest rates.

Our Money Market account is one of the most rewarding money market accounts available in Maryland. As your community banking partner, we help your money raise anchor with great service along with great rates. Benefits of our money market account include:

  • Competitive rates: Our tiered system means your money earns higher interest rates when your balance reaches higher levels. You’ll earn interest monthly with a minimum daily balance of just $250. See our current rates.
  • Minimal fees: This account has no setup fee, and you can avoid a monthly service charge by maintaining a daily minimum balance of just $1,000.
  • Peace of mind: The FDIC insures bank funds, including money market savings, within applicable limits. Unlike stock market funds, money market accounts help protect you against turbulent market conditions.
  • Easy access: You can make unlimited ATM and in-person withdrawals. You can also make up to 6 transfers per statement cycle by check, debit card, or pre-authorized transfer from another Howard Bank account.


Ready to get started with a money market savings account?

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Fees may reduce earnings. See our schedule of charges (PDF) for details. 


Withdrawal privileges and limitations: You can make unlimited ATM and in-person branch withdrawals from your Howard Bank savings or money market account. You also can make up to six (6) automatic or pre-authorized transfers, debits (including checks), or similar external withdrawals per statement cycle. After that limit, we may notify you that we need to convert your account to a different type of account.