Bank · FDIC insured
Machias Savings Bank Savings Rates
Machias Savings Bank’s best savings rate is 0.15% APY on $10,000, with its My MSB Savings. Rates checked October 22, 2026.
How Machias Savings Bank’s savings rates compare
Compared with banks and credit unions near Bangor, ME, where Machias Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Machias Savings Bank
0.15%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $15
My MSB Savings
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Seaboard Federal Credit Union
2.90%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $290
Machias Savings Bank savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0002.80%
- QualifiedQualified0.15%
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 Machias Savings 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
0.25%APY
No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.25% | $25 |
| $50,000 – $100,000 | 2.45% | — |
| $100,000 – $250,000 | 2.80% | — |
| $250,000 and up | 3.05% | — |
My MSB Savings
0.15%APY
Applicants must be US citizens at least 18 years of age and a Maine or New Hampshire resident or an existing customer. No monthly fee and no minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.15% | $15 |
| $25,000 and up | 0.25% | — |
Special-purpose accounts
My MSB Health Savings - Family
0.15%APY
Designed for individuals with high-deductible health insurance plans. A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Fee waived if minimum balance of $1,000.00 is maintained every day of the statement cycle. | 0.15% | $15 | Fee waived if minimum balance of $1,000.00 is maintained every day of the statement cycle. |
| $25,000 and upFee waived if minimum balance of $1,000.00 is maintained every day of the statement cycle. | 0.25% | — | Fee waived if minimum balance of $1,000.00 is maintained every day of the statement cycle. |
Sources (2)
All captured Oct 3, 2026
My MSB Health Savings - Individual
0.15%APY
Designed for individuals with high-deductible health insurance plans. A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Fee waived if minimum balance of $1,000.00 is maintained every day of the statement cycle. | 0.15% | $15 | Fee waived if minimum balance of $1,000.00 is maintained every day of the statement cycle. |
| $25,000 and upFee waived if minimum balance of $1,000.00 is maintained every day of the statement cycle. | 0.25% | — | Fee waived if minimum balance of $1,000.00 is maintained every day of the statement cycle. |
Sources (2)
All captured Oct 3, 2026
My MSB IRA Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (1)
- machiassavings.bank/consumer-deposit-rates · captured Oct 3, 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.