Bank · FDIC insured
Adams Community Bank Savings Rates
Adams Community Bank’s best savings rate is 3.40% APY on $10,000, with its High Yield Savings (Online Only). Rates checked October 16, 2026.
How Adams Community Bank’s savings rates compare
Compared with banks and credit unions near Pittsfield, MA, where Adams Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Adams Community Bank
3.40%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
High Yield Savings (Online Only)
Top rate
Lee Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
Pittsfield Cooperative Bank
3.51%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $351
Adams Community Bank savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.40%
- $10,000 balance$10,0003.40%
- $100,000 balance$100,0003.40%
- QualifiedQualified3.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Adams Community Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield Savings (Online Only)
Up to 3.40%APY
Online-only account for consumers. Up to 3 external withdrawals per statement cycle free; each additional external withdrawal incurs a $3.00 excess transaction fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable daily rate. Page n74 notes APY applies to balances greater than $9.99 but less than $1,000 as of 09/24/2026. | 0.10% | $10 | Variable daily rate. Page n74 notes APY applies to balances greater than $9.99 but less than $1,000 as of 09/24/2026. |
| $1,000 and upVariable daily rate. Stated for balances of $1,000 or more. | 3.40% | $340 | Variable daily rate. Stated for balances of $1,000 or more. |
Premier Money Market
0.50%APY
Must schedule an appointment or visit a branch location to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upTier 1. Interest credited End of Month, compounded Daily. Variable rate. | 0.50% | $50 | Tier 1. Interest credited End of Month, compounded Daily. Variable rate. |
| $15,000 and upTier 2. Interest credited End of Month, compounded Daily. Variable rate. | 0.75% | — | Tier 2. Interest credited End of Month, compounded Daily. Variable rate. |
| $50,000 and upTier 3. Interest credited End of Month, compounded Daily. Variable rate. | 1.00% | — | Tier 3. Interest credited End of Month, compounded Daily. Variable rate. |
| $100,000 and upTier 4. Interest credited End of Month, compounded Daily. Variable rate. | 1.50% | — | Tier 4. Interest credited End of Month, compounded Daily. Variable rate. |
| $1,000,000 and upTier 5. Interest credited End of Month, compounded Daily. Variable rate. | 1.50% | — | Tier 5. Interest credited End of Month, compounded Daily. Variable rate. |
Sources (3)
- adamscommunity.com/personal-banking-new
- adamscommunity.com/open-an-account-new
- adamscommunity.com/wp-content/…posit%20Rate%20Sheet.pdf
All captured Oct 16, 2026
Personal Money Market
Up to 0.25%APY
Must schedule an appointment or visit a branch location to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upTier 1. Interest credited End of Month, compounded Daily. Variable rate. | 0.20% | $20 | Tier 1. Interest credited End of Month, compounded Daily. Variable rate. |
| $2,500 and upTier 2. Interest credited End of Month, compounded Daily. Variable rate. | 0.25% | $25 | Tier 2. Interest credited End of Month, compounded Daily. Variable rate. |
| $50,000 and upTier 3. Interest credited End of Month, compounded Daily. Variable rate. | 0.35% | — | Tier 3. Interest credited End of Month, compounded Daily. Variable rate. |
| $100,000 and upTier 4. Interest credited End of Month, compounded Daily. Variable rate. | 0.45% | — | Tier 4. Interest credited End of Month, compounded Daily. Variable rate. |
| $1,000,000 and upTier 5. Interest credited End of Month, compounded Daily. Variable rate. | 0.60% | — | Tier 5. Interest credited End of Month, compounded Daily. Variable rate. |
Sources (3)
- adamscommunity.com/personal-banking-new
- adamscommunity.com/open-an-account-new
- adamscommunity.com/wp-content/…posit%20Rate%20Sheet.pdf
All captured Oct 16, 2026
Special-purpose accounts
Everyday Savings
0.10%APY
Qualifies for Massachusetts '18/65' benefits for customers age 18 or younger and 65 or older.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable daily rate.$10 and up | 0.10% | $10 | Variable daily rate. |
Sources (3)
- adamscommunity.com/wp-content/…posit%20Rate%20Sheet.pdf
- adamscommunity.com/personal-banking/savings
- adamscommunity.com/savings/statement-savings
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.