Bank · FDIC insured
Florence Bank Savings Rates
Florence Bank’s best savings rate is 0.15% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Florence Bank’s savings rates compare
Compared with banks and credit unions near Amherst Town, MA, where Florence Bank has the most branches. $10,000, best rate first.
This bank’s best
Florence Bank
3.20%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $320
High-Yield Savings
Top rate
Country Bank for Savings
3.60%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $360
2nd-highest rate
Polish National Credit Union
3.50%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $350
Florence Bank savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified3.20%
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 Florence 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
Up to 3.20%APY
Account owner or co-owner must have a consumer checking or NOW account with Florence Bank.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Base Rate paid when checking balance qualification is not met. | 0.05% | $5 | Base Rate paid when checking balance qualification is not met. |
| $10 and upQualifying rate paid if the owner's and co-owner's cumulative checking account balances are at least $5,000 each day during the statement cycle. | 3.20% | $320 | Qualifying rate paid if the owner's and co-owner's cumulative checking account balances are at least $5,000 each day during the statement cycle. |
Sources (2)
- florencebank.com/personal/depo…s/personal-deposit-rates
- florencebank.com/personal/deposit-accounts/savings
All captured Sep 18, 2026
Performance Money Market Account
Up to 0.15%APY
A Personal Checking Account is required to open the Performance Money Market Account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
| $10,000 and up | 0.15% | $15 |
| $25,000 and up | 0.20% | — |
| $50,000 and up | 0.30% | — |
| $100,000 and up | 0.40% | — |
Sources (1)
- florencebank.com/personal/depo…s/personal-deposit-rates · captured Sep 18, 2026
Money Market Account
Up to 0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
| $1,000 and up | 0.15% | $15 |
Sources (1)
- florencebank.com/personal/depo…s/personal-deposit-rates · captured Sep 18, 2026
EZ $ave
0.05%APY
A Personal Checking Account is required to open the EZ $ave Deposit Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable interest rate on balances over $10. No monthly service fee.$10 and up | 0.05% | $5 | Variable interest rate on balances over $10. No monthly service fee. |
Sources (2)
- florencebank.com/personal/depo…s/personal-deposit-rates
- florencebank.com/personal/deposit-accounts/savings
All captured Sep 18, 2026
Passbook Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Sources (1)
- florencebank.com/personal/depo…s/personal-deposit-rates · captured Sep 18, 2026
Security Deposit Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Sources (1)
- florencebank.com/personal/depo…s/personal-deposit-rates · captured Sep 18, 2026
Statement Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable interest rate on balances over $10. $200 minimum balance.$10 and up | 0.05% | $5 | Variable interest rate on balances over $10. $200 minimum balance. |
Special-purpose accounts
NextGen Savings
0.50%APY
Designed specifically for kids ages 8-17. No monthly service charges or fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 1: Balances from $0.00-$500.00. | 1.00% | — | Tier 1: Balances from $0.00-$500.00. |
| Over $500Tier 2: Balances over $500.00. | 0.50% | $50 | Tier 2: Balances over $500.00. |
Sources (1)
- florencebank.com/personal/depo…s/personal-deposit-rates · captured Sep 18, 2026
School Savings
0.10%APY
Upon the student reaching age 19, the bank, after giving notice in writing, will transfer the account to another savings account at the bank.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
Sources (1)
- florencebank.com/personal/depo…s/personal-deposit-rates · captured Sep 18, 2026
Club Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Sources (1)
- florencebank.com/personal/depo…s/personal-deposit-rates · captured Sep 18, 2026
Variable IRA Savings Account
0.05%APY
No monthly or annual fees. Option to make additional deposits of any amount at anytime. IRA maximum of $1,000,000.00 is allowed per account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000Variable interest rate. The interest rate and APY may change after the account is opened.Up to $1,000,000 | 0.05% | $5 | Variable interest rate. The interest rate and APY may change after the account is opened. |
Sources (2)
- florencebank.com/personal/deposit-accounts/ira
- florencebank.com/personal/depo…s/personal-deposit-rates
All captured Sep 18, 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.