Bank · FDIC insured
Bay State Bank Savings Rates
Bay State Bank’s best savings rate is 0.20% APY on $10,000, with its Consumer Tiered Money Market. Rates checked October 15, 2026.
How Bay State Bank’s savings rates compare
Compared with banks and credit unions near Worcester, MA, where Bay State Bank has the most branches. $10,000, best rate first.
This bank’s best
Bay State Bank
0.20%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $20
Revolution Money Market Account
Top rate
Clinton Savings Bank
3.85%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $385
2nd-highest rate
Country Bank for Savings
3.60%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $360
Bay State Bank savings score
70
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.20%
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 Bay State 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.
Revolution Money Market Account
0.20%APY
Must be funded only by New Money (money from a source other than a Bay State Bank account). Minimum balance of $1,000 required to avoid a monthly service charge of $7.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999,999Must be funded only by New Money. Minimum balance of $1,000 required to avoid a monthly service charge of $7.00. | 0.20% | $20 | Must be funded only by New Money. Minimum balance of $1,000 required to avoid a monthly service charge of $7.00. |
| $1,000,000 and upMust be funded only by New Money. Minimum balance of $1,000 required to avoid a monthly service charge of $7.00. | 3.00% | — | Must be funded only by New Money. Minimum balance of $1,000 required to avoid a monthly service charge of $7.00. |
Consumer Tiered Money Market
0.20%APY
Minimum balance of $1,000 required to avoid a monthly service charge of $10.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum balance of $1,000 required to avoid a monthly service charge of $10.00. | 0.20% | $20 | Minimum balance of $1,000 required to avoid a monthly service charge of $10.00. |
| $25,000 – $125,000Minimum balance of $1,000 required to avoid a monthly service charge of $10.00. | 0.35% | — | Minimum balance of $1,000 required to avoid a monthly service charge of $10.00. |
| $125,000 – $250,000Minimum balance of $1,000 required to avoid a monthly service charge of $10.00. | 0.90% | — | Minimum balance of $1,000 required to avoid a monthly service charge of $10.00. |
| $250,000 and upMinimum balance of $1,000 required to avoid a monthly service charge of $10.00. | 1.40% | — | Minimum balance of $1,000 required to avoid a monthly service charge of $10.00. |
EZ Goal Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Annual Percentage Yield (APY) may change at any time without notice. No minimum monthly balance requirements. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings.Over $0 | 0.05% | $5 | Annual Percentage Yield (APY) may change at any time without notice. No minimum monthly balance requirements. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings. |
EZ Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Annual Percentage Yield (APY) may change at any time without notice. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings.Over $0 | 0.05% | $5 | Annual Percentage Yield (APY) may change at any time without notice. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings. |
Special-purpose accounts
IRA Savings Account
3.00%APY
Only available to Massachusetts residents. IRAs must be opened in person.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0IRA products are only available to Massachusetts residents. Minimum opening deposit of $10 is required. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings. APY may change at any time. IRAs must be opened in person.Over $0 | 3.00% | $300 | IRA products are only available to Massachusetts residents. Minimum opening deposit of $10 is required. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings. APY may change at any time. IRAs must be opened in person. |
Sources (1)
- baystatebank.com/rates · captured Oct 5, 2026
Benjie's Buddies
0.05%APY
Designed for young savers with guidance from parents or guardians. Must be opened in a branch or over the phone.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Annual Percentage Yield (APY) may change at any time without notice. No minimum monthly balance requirements. Must be opened in a branch or over the phone. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings. No monthly fees.Over $0 | 0.05% | $5 | Annual Percentage Yield (APY) may change at any time without notice. No minimum monthly balance requirements. Must be opened in a branch or over the phone. Minimum balance to receive stated APY is $0.01. Fees may reduce earnings. No monthly fees. |
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.