Credit union · NCUA insured
MASSMUTUAL Savings Rates
Top CarrotMASSMUTUAL’s best savings rate is 1.92% APY on $10,000, with its Money Market Plus. Rates checked October 16, 2026.
How MASSMUTUAL’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where MASSMUTUAL has the most branches. $10,000, best rate first.
This credit union’s best
MASSMUTUAL
1.92%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $192
Money Market Plus
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
MASSMUTUAL savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.92%
- $100,000 balance$100,0002.43%
- QualifiedQualified1.92%
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 MASSMUTUAL ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plus
1.92%APY
Requires a $100 minimum opening deposit and a $2,000 minimum balance to earn dividends. Stated dividend rate applies to the entire account balance once a balance range is met. Limited to no more than 6 transfers and withdrawals per month. Membership requires maintaining 1 share ($5 par value) in a Primary Share account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $25,000Tier 1: applies to entire balance for balances from $2,000.00 to $24,999.99. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month. | 1.92% | $192 | Tier 1: applies to entire balance for balances from $2,000.00 to $24,999.99. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month. |
| $25,000 – $75,000Tier 2: applies to entire balance for balances from $25,000.00 to $74,999.99. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month. | 2.17% | — | Tier 2: applies to entire balance for balances from $25,000.00 to $74,999.99. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month. |
| $75,000 – $125,000Tier 3: applies to entire balance for balances from $75,000.00 to $124,999.99. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month. | 2.43% | — | Tier 3: applies to entire balance for balances from $75,000.00 to $124,999.99. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month. |
| $125,000 and upTier 4: applies to entire balance for balances of $125,000.00 or greater. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month. | 2.68% | — | Tier 4: applies to entire balance for balances of $125,000.00 or greater. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month. |
Sources (2)
All captured Oct 16, 2026
Money Market
1.66%APY
Requires a $100 minimum deposit to open and a $2,000 minimum balance to earn stated dividend rate/yield. All Money Market accounts are allotted 6 fee-free withdrawals and transfers per month; a $10 fee is charged for each transaction beyond that limit. Minimum withdrawal amount is $250. Membership requires payment of one $5 share in a primary share account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upTier 1 balance tier. $100 minimum opening deposit; minimum balance of $2,000 to earn stated APY. Maximum 6 withdrawals or transfers per month. | 1.66% | $166 | Tier 1 balance tier. $100 minimum opening deposit; minimum balance of $2,000 to earn stated APY. Maximum 6 withdrawals or transfers per month. |
| $25,000 and upTier 2 balance tier. $100 minimum opening deposit. Maximum 6 withdrawals or transfers per month. | 1.92% | — | Tier 2 balance tier. $100 minimum opening deposit. Maximum 6 withdrawals or transfers per month. |
| $75,000 and upTier 3 balance tier. $100 minimum opening deposit. Maximum 6 withdrawals or transfers per month. | 2.17% | — | Tier 3 balance tier. $100 minimum opening deposit. Maximum 6 withdrawals or transfers per month. |
| $125,000 and upTier 4 balance tier. $100 minimum opening deposit. Maximum 6 withdrawals or transfers per month. | 2.43% | — | Tier 4 balance tier. $100 minimum opening deposit. Maximum 6 withdrawals or transfers per month. |
Sources (1)
- massmutualfcuhb.org/bank/savings/money-market · captured Oct 16, 2026
Kasasa Saver
1.26%APY on $10,000
Links to Kasasa Cash or Kasasa Cash Back checking account. Requires enrollment in digital banking and e-statements, plus at least 12 debit card purchases per Monthly Qualification Cycle to earn top rates. No monthly maintenance fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 1.25% |
| Over $50,000 | 0.25% |
On $10,000 the tiers blend to about 1.26% APY, earning $126 a year.
Basic Savings
0.05%APY
Credit union primary share account establishing membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain a minimum daily balance of $25.00 to earn stated APY and dividends.$25 and up | 0.05% | $5 | Must maintain a minimum daily balance of $25.00 to earn stated APY and dividends. |
Special-purpose accounts
Holiday Club
0.05%APY
Funds cannot be accessed using ATM/Visa Check Card. Entire balance is automatically deposited/transferred into regular savings account during the first week of November (on or after November 1), and the account remains open. No penalties for early withdrawal; accrued dividends paid if closed within 7 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum daily balance required to earn stated APY.$25 and up | 0.05% | $5 | $25 minimum daily balance required to earn stated APY. |
Sources (3)
- massmutualfcuhb.org/bank/more-…ns/club-savings-accounts
- massmutualfcuhb.org/rates
- massmutualfcuhb.org/wp-content…action-TIS-10.1.2026.pdf
All captured Oct 16, 2026
Home Savings Club
0.05%APY
Club savings account for home savings goals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum daily balance to earn stated APY.$25 and up | 0.05% | $5 | $25 minimum daily balance to earn stated APY. |
Sources (1)
- massmutualfcuhb.org/wp-content…action-TIS-10.1.2026.pdf · captured Oct 16, 2026
IRA Share
0.05%APY
Individual Retirement Account share savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum daily balance to earn stated APY.$25 and up | 0.05% | $5 | $25 minimum daily balance to earn stated APY. |
Sources (3)
- massmutualfcuhb.org/bank/more-banking-options
- massmutualfcuhb.org/rates
- massmutualfcuhb.org/wp-content…action-TIS-10.1.2026.pdf
All captured Oct 16, 2026
Vacation Club
0.05%APY
Funds cannot be accessed using ATM/Visa Check Card. Entire balance is automatically deposited/transferred into regular savings account during the first week of May (on or after May 1), and the account remains open. No penalties for early withdrawal; accrued dividends paid if closed within 7 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum daily balance required to earn stated APY.$25 and up | 0.05% | $5 | $25 minimum daily balance required to earn stated APY. |
Sources (3)
- massmutualfcuhb.org/bank/more-…ns/club-savings-accounts
- massmutualfcuhb.org/rates
- massmutualfcuhb.org/wp-content…action-TIS-10.1.2026.pdf
All captured Oct 16, 2026
Generation Now
0.03%APY on $10,000
Youth savings account geared for members under 18 years old. Automatically transitions to Basic Savings Account upon turning 18. Requires submission of Generation Now Opt-In Form.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 0.30% |
On $10,000 the tiers blend to about 0.03% APY, earning $3 a year.
Sources (3)
- massmutualfcuhb.org/bank/generationnow
- massmutualfcuhb.org/rates
- massmutualfcuhb.org/wp-content…action-TIS-10.1.2026.pdf
All captured Oct 16, 2026
Home Heating Club
0.01%APY on $10,000
Disbursement must be in person or in writing.
| Part of the balance | Rate on that part |
|---|---|
| Up to $3,000 | 0.05% |
| Over $3,000 | 0.00% |
On $10,000 the tiers blend to about 0.01% APY, earning $1 a year.
Sources (2)
All captured Oct 16, 2026
Who can join MASSMUTUAL
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