Md. Code, Financial Institutions § 9–406

(a) Except as required by subsection (b) of this section, a savings and loan association is not required to pay any dividend or interest on special purpose accounts such as “Christmas” or “vacation” accounts.

(b) A savings and loan association shall pay at least 5 percent annual interest or dividend on savings accounts that are for:

(1) A period of 1 year or less; and

(2) A special purpose, such as “Christmas” or “vacation” accounts.