Bank · FDIC insured
Institution for Savings Savings Rates
Institution for Savings’s best savings rate is 0.50% APY on $10,000, with its Titanium Savings. Rates checked October 15, 2026.
How Institution for Savings’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Institution for Savings has the most branches. $10,000, best rate first.
This bank’s best
Institution for Savings
0.50%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $50
Titanium 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
Institution for Savings savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.80%
- QualifiedQualified0.50%
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 Institution for Savings 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.
Gold Online Savings
0.50%APY
Must be opened online with new money not on deposit at Institution for Savings. Available to residents of MA, NH, and ME. Limited to consumers; individual or joint ownership only; one account per primary account owner. Maximum balance allowed is $500,000 plus interest paid. $10 monthly service charge avoided with a $100,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Applies to balances less than $100,000. Monthly service charge waived with $100,000 minimum balance. | 0.50% | $50 | Applies to balances less than $100,000. Monthly service charge waived with $100,000 minimum balance. |
| $100,000 – $500,000Applies to balances $100,000 to $500,000 (plus interest paid). Monthly service charge waived with $100,000 minimum balance. | 3.50% | — | Applies to balances $100,000 to $500,000 (plus interest paid). Monthly service charge waived with $100,000 minimum balance. |
Sapphire Money Market
1.50%APY
Available to individuals and businesses (not available for municipalities or other public funds). Limited to one account per primary account owner. Must be opened in person. Maximum balance allowed is $4,000,000 plus interest paid/earned. $10 monthly service charge avoided with a minimum balance of $2,000,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000,000Balances less than $2,000,000. $10 monthly service charge applies if balance falls below $2,000,000. | 1.50% | $150 | Balances less than $2,000,000. $10 monthly service charge applies if balance falls below $2,000,000. |
| $2,000,000 – $4,000,000Balances $2,000,000 to $4,000,000 (plus interest paid/earned). Avoids $10 monthly service charge. | 3.25% | — | Balances $2,000,000 to $4,000,000 (plus interest paid/earned). Avoids $10 monthly service charge. |
Gold Money Market
1.50%APY
Available to individuals and businesses. Must be opened in person. Product available for a limited time. $10 monthly service charge avoided with a minimum balance of $250,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Balances less than $250,000. $10 monthly service charge applies if balance falls below $250,000. | 1.50% | $150 | Balances less than $250,000. $10 monthly service charge applies if balance falls below $250,000. |
| $250,000 and upBalances $250,000 and above. Avoids $10 monthly service charge. | 3.00% | — | Balances $250,000 and above. Avoids $10 monthly service charge. |
Diamond Money Market
1.50%APY
Available to individuals and businesses. Must be present to open. Maximum balance is $20 million. $10 monthly service charge avoided with a minimum balance of $500,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500,000Balances less than $500,000. $10 monthly service charge applies if balance falls below $500,000. | 1.50% | $150 | Balances less than $500,000. $10 monthly service charge applies if balance falls below $500,000. |
| $500,000 – $1,000,000Balances between $500,000 and $999,999.99. Avoids $10 monthly service charge. | 1.85% | — | Balances between $500,000 and $999,999.99. Avoids $10 monthly service charge. |
| $1,000,000 – $2,000,000Balances between $1,000,000 and $1,999,999.99. Avoids $10 monthly service charge. | 2.00% | — | Balances between $1,000,000 and $1,999,999.99. Avoids $10 monthly service charge. |
| $2,000,000 – $20,000,000Balances of $2,000,000 and above up to maximum balance of $20,000,000. Avoids $10 monthly service charge. | 2.00% | — | Balances of $2,000,000 and above up to maximum balance of $20,000,000. Avoids $10 monthly service charge. |
Diamond Savings
0.25%APY
Must be present to open at a banking location. Available to individuals and businesses. $10 monthly service charge avoided with a $25,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Applies to balances less than $25,000. Monthly service charge waived with $25,000 minimum balance. | 0.25% | $25 | Applies to balances less than $25,000. Monthly service charge waived with $25,000 minimum balance. |
| $25,000 and upApplies to balances $25,000 and above. Monthly service charge waived with $25,000 minimum balance. | 1.80% | — | Applies to balances $25,000 and above. Monthly service charge waived with $25,000 minimum balance. |
Titanium Money Market
0.15%APY
Maximum balance is $20 million. $10 monthly service charge avoided with a minimum balance of $250,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Balances less than $250,000. $10 monthly service charge applies if balance falls below $250,000. | 0.15% | $15 | Balances less than $250,000. $10 monthly service charge applies if balance falls below $250,000. |
| $250,000 – $500,000Balances $250,000-$499,999.99. Avoids $10 monthly service charge. | 0.30% | — | Balances $250,000-$499,999.99. Avoids $10 monthly service charge. |
| $500,000 – $1,000,000Balances $500,000-$999,999.99. Avoids $10 monthly service charge. | 0.40% | — | Balances $500,000-$999,999.99. Avoids $10 monthly service charge. |
| $1,000,000 – $20,000,000Balances $1,000,000 and above up to maximum balance of $20,000,000. Avoids $10 monthly service charge. | 0.50% | — | Balances $1,000,000 and above up to maximum balance of $20,000,000. Avoids $10 monthly service charge. |
Sources (3)
- institutionforsavings.com/fee-schedule
- institutionforsavings.com/personal/money-market
- institutionforsavings.com/rates/money-market
All captured Sep 18, 2026
Titanium Savings
Up to 0.50%APY
Avoid the $10 monthly service charge when you maintain a $10,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Applies to balances less than $10,000. Monthly service charge waived with $10,000 minimum balance. | 0.25% | $25 | Applies to balances less than $10,000. Monthly service charge waived with $10,000 minimum balance. |
| $10,000 and upApplies to balances $10,000 and above. Monthly service charge waived with $10,000 minimum balance. | 0.50% | $50 | Applies to balances $10,000 and above. Monthly service charge waived with $10,000 minimum balance. |
Sources (3)
- institutionforsavings.com/fee-schedule
- institutionforsavings.com/personal/savings
- institutionforsavings.com/rates/savings
All captured Sep 18, 2026
Preferred Savings
0.25%APY
Avoid the $10 monthly service charge when you maintain a $50,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Applies to balances less than $50,000. Monthly service charge waived with $50,000 minimum balance. | 0.25% | $25 | Applies to balances less than $50,000. Monthly service charge waived with $50,000 minimum balance. |
| $50,000 and upApplies to balances $50,000 and above. Monthly service charge waived with $50,000 minimum balance. | 0.40% | — | Applies to balances $50,000 and above. Monthly service charge waived with $50,000 minimum balance. |
Sources (3)
- institutionforsavings.com/fee-schedule
- institutionforsavings.com/personal/savings
- institutionforsavings.com/rates/savings
All captured Sep 18, 2026
Statement Savings
0.25%APY
Avoid the $1 monthly service charge by maintaining a $10 minimum balance. Fee waiver available for customers 18 or under or 65 or older.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0A minimum balance of $10.00 is required to open and avoid a $1 monthly service charge.Over $0 | 0.25% | $25 | A minimum balance of $10.00 is required to open and avoid a $1 monthly service charge. |
Sources (3)
- institutionforsavings.com/fee-schedule
- institutionforsavings.com/personal/savings
- institutionforsavings.com/rates/savings
All captured Sep 18, 2026
Traditional Money Market
0.10%APY
$5 monthly service charge avoided with a minimum balance of $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Balances less than $1,000. $5 monthly service charge applies if balance falls below $1,000. | 0.10% | — | Balances less than $1,000. $5 monthly service charge applies if balance falls below $1,000. |
| $1,000 – $50,000Balances $1,000-$49,999.99. Avoids $5 monthly service charge. | 0.10% | $10 | Balances $1,000-$49,999.99. Avoids $5 monthly service charge. |
| $50,000 – $100,000Balances $50000-$99,999.99. Avoids $5 monthly service charge. | 0.10% | — | Balances $50000-$99,999.99. Avoids $5 monthly service charge. |
| $100,000 and upBalances $100,000 and above. Avoids $5 monthly service charge. | 0.15% | — | Balances $100,000 and above. Avoids $5 monthly service charge. |
Sources (3)
- institutionforsavings.com/fee-schedule
- institutionforsavings.com/personal/money-market
- institutionforsavings.com/rates/money-market
All captured Sep 18, 2026
Closed to new customers
Super Money Market
0.10%APY
Account is no longer available to open. Maximum balance is $10 million. $10 monthly service charge avoided with a minimum balance of $150,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $150,000Balances less than $150,000. $10 monthly service charge applies if balance falls below $150,000. | 0.10% | $10 | Balances less than $150,000. $10 monthly service charge applies if balance falls below $150,000. |
| $150,000 – $250,000Balances $150,000-$249,999.99. Avoids $10 monthly service charge. | 0.15% | — | Balances $150,000-$249,999.99. Avoids $10 monthly service charge. |
| $250,000 – $10,000,000Balances $250,000.00 and above up to maximum balance of $10 million. Avoids $10 monthly service charge. | 0.25% | — | Balances $250,000.00 and above up to maximum balance of $10 million. Avoids $10 monthly service charge. |
Sources (2)
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.