Bank · FDIC insured
Avidia Bank Savings Rates
Top CarrotAvidia Bank’s best savings rate is 3.50% APY on $10,000, with its America 250 Savings. Rates checked October 15, 2026.
How Avidia Bank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Avidia Bank has the most branches. $10,000, best rate first.
This bank’s best
Avidia Bank
3.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
America 250 Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Avidia Bank savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0003.50%
- QualifiedQualified3.50%
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 Avidia 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.
America 250 Savings
3.50%APY
Available to new consumer deposit customers only (not having a consumer deposit account relationship with Avidia Bank for at least the past 6 months). Opening online is available to New England residents. Requires new money. The rate will not drop below 2.50% APY (2.47% rate) anytime before July 4, 2027 for accounts maintaining the daily minimum balance of $5,000. Daily balances of $4,999.99 and below will earn 1.00% APY (1.00% rate). After July 4, 2027, the account will revert to the then current High Yield Savings rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Daily balances of $4,999.99 and below will earn 1.00% APY (1.00% rate). Must be new money. | 1.00% | — | Daily balances of $4,999.99 and below will earn 1.00% APY (1.00% rate). Must be new money. |
| $5,000 and upRate guaranteed not to drop below 2.50% APY (2.47% rate) anytime before July 4, 2027 for accounts maintaining the daily minimum balance of $5,000. Daily minimum balance of $5,000.00 required to obtain APY. Must be new money. | 3.50% | $350 | Rate guaranteed not to drop below 2.50% APY (2.47% rate) anytime before July 4, 2027 for accounts maintaining the daily minimum balance of $5,000. Daily minimum balance of $5,000.00 required to obtain APY. Must be new money. |
Sources (3)
All captured Oct 5, 2026
Consumer High Yield Savings Account
2.65%APY
For consumer accounts only. Opening balance must be new money. No maintenance fees. Sweep Option available for $5 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upDaily balance of $5,000.00 required to obtain APY. Must be new money. For consumer accounts only.$5,000 and up | 2.65% | $265 | Daily balance of $5,000.00 required to obtain APY. Must be new money. For consumer accounts only. |
Sources (3)
All captured Oct 5, 2026
Avidia Premier Money Market
0.20%APY
Opening an account online is only available to people who live in New England. Maintenance fee of $8.00 will be imposed every statement cycle if average balance falls below $2,500 during the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. | 0.01% | — | Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. |
| $10,000 – $25,000Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. | 0.20% | $20 | Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. |
| $25,000 – $50,000Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. | 0.40% | — | Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. |
| $50,000 – $1,000,000Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. | 0.60% | — | Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. |
| $1,000,000 and upMonthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. | 0.80% | — | Monthly maintenance fee of $8.00 is waived if average balance is $2,500 or higher during the statement cycle. |
Sources (2)
All captured Oct 15, 2026
Avidia Free Savings
0.10%APY
No maintenance fees and no minimum balance required. Opening an account online is only available to people who live in New England. Sweep option available for $5 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Daily minimum balance of $0.01 required to obtain APY.Over $0 | 0.10% | $10 | Daily minimum balance of $0.01 required to obtain APY. |
Sources (3)
- avidiabank.com/deposit-rates-page
- avidiabank.com/personal/free-savings-account
- avidiabank.com/personal/savings
All captured Oct 5, 2026
Avidia Premier Plus Money Market
0.01%APY
Opening an account online is only available to people who live in New England. Maintenance fee of $25.00 will be imposed every statement cycle if average balance falls below $25,000 during the statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Daily minimum balance to obtain APY: $0.01 - $4,999.99. Monthly maintenance fee of $25.00 is waived if average balance is $25,000 or higher during the statement cycle.Up to $5,000 | 0.01% | — | Daily minimum balance to obtain APY: $0.01 - $4,999.99. Monthly maintenance fee of $25.00 is waived if average balance is $25,000 or higher during the statement cycle. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Money Market
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Minimum balance to obtain APY: $50. | 0.30% | $30 | Minimum balance to obtain APY: $50. |
| $50,000 and upMinimum balance to obtain APY: $50. | 0.50% | — | Minimum balance to obtain APY: $50. |
Sources (2)
All captured Oct 15, 2026
Statement Holiday Clubs
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDaily minimum balance of $10 required to obtain APY.$10 and up | 0.15% | $15 | Daily minimum balance of $10 required to obtain APY. |
Sources (1)
- avidiabank.com/deposit-rates-page · captured Oct 5, 2026
Adventure Savings
0.05%APY
Designed for children between 3 and 13 years old. Includes rewards and prizes at specific savings milestones.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Daily minimum balance of $0.01 required to obtain APY.Over $0 | 0.05% | $5 | Daily minimum balance of $0.01 required to obtain APY. |
Sources (3)
- avidiabank.com/deposit-rates-page
- avidiabank.com/personal/advent…account-kids-avidia-bank
- avidiabank.com/personal/kids-saving-account
All captured Oct 5, 2026
Health Savings Account
0.04%APY on $10,000
Interest is paid on the amount of money on deposit in each tier, creating a blended interest rate for the entire balance.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 0.03% |
| $2,500 – $20,000 | 0.05% |
| $20,000 and up | 0.07% |
On $10,000 the tiers blend to about 0.04% APY, earning $4 a year.
Sources (1)
- avidiabank.com/deposit-rates-page · captured Oct 5, 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.