Bank · FDIC insured
Middlesex Federal Bank Savings Rates
Middlesex Federal Bank’s best savings rate is 0.40% APY on $10,000, with its Statement Savings. Rates checked October 15, 2026.
How Middlesex Federal Bank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Middlesex Federal Bank has the most branches. $10,000, best rate first.
This bank’s best
Middlesex Federal Bank
0.40%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $40
Statement 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
Middlesex Federal Bank savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
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 Middlesex Federal 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.
Money Market
0.25%APY
Compounded and credited monthly. Monthly maintenance fee imposed if average daily balance falls below $2,500 any day of cycle. Maximum of 6 transfers/electronic payments per monthly statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Min balance to earn interest is $50. | 0.10% | — | Min balance to earn interest is $50. |
| $10,000 – $50,000Min balance to earn interest is $10,000. | 0.25% | $25 | Min balance to earn interest is $10,000. |
| $50,000 – $100,000Min balance to earn interest is $50,000. | 0.40% | — | Min balance to earn interest is $50,000. |
| $100,000 – $250,000Min balance to earn interest is $100,000. | 0.40% | — | Min balance to earn interest is $100,000. |
| $250,000 – $1,000,000Min balance to earn interest is $250,000. | 0.40% | — | Min balance to earn interest is $250,000. |
| $1,000,000 – $3,000,000Min balance to earn interest is $1,000,000. | 0.40% | — | Min balance to earn interest is $1,000,000. |
| $3,000,000 and upMin balance to earn interest is $3,000,000. | 0.30% | — | Min balance to earn interest is $3,000,000. |
Sources (2)
All captured Oct 5, 2026
Statement Savings
0.40%APY
Interest is compounded and credited monthly. Daily balance method used to calculate interest. Maximum of six preauthorized, automatic, telephone, or electronic transfers/payments per monthly statement cycle; after three violations account may be converted to Simply Free Checking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain a minimum balance of $50 each day to obtain the disclosed APY.$50 and up | 0.40% | $40 | Must maintain a minimum balance of $50 each day to obtain the disclosed APY. |
Sources (2)
All captured Oct 5, 2026
eStatement Savings
0.40%APY
Available online only. Rates subject to change without notice. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAvailable online only. Minimum balance to earn interest is $50.$50 and up | 0.40% | $40 | Available online only. Minimum balance to earn interest is $50. |
Sources (1)
- middlesexfederal.com/rates-terms-and-conditions · captured Oct 5, 2026
Passbook
0.05%APY
Interest is compounded and credited monthly. Daily balance method used to calculate interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain a minimum balance of $50 in the account each day to obtain the disclosed APY.$50 and up | 0.05% | $5 | Must maintain a minimum balance of $50 in the account each day to obtain the disclosed APY. |
Sources (1)
- middlesexfederal.com/rates-terms-and-conditions · captured Oct 5, 2026
Special-purpose accounts
IRA Passbook Savings
0.40%APY
Interest is compounded and credited monthly. Daily balance method used to calculate interest. See Fee Schedule for IRA Fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain a minimum balance of $50 in the account each day to obtain the disclosed APY.$50 and up | 0.40% | $40 | Must maintain a minimum balance of $50 in the account each day to obtain the disclosed APY. |
Sources (1)
- middlesexfederal.com/rates-terms-and-conditions · captured Oct 5, 2026
Club Account
0.05%APY
Earns a variable rate of interest compounded and credited monthly. If any withdrawal is made from this account before maturity, the account will be closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMust maintain a minimum balance of $10 in the account each day to obtain disclosed APY.$10 and up | 0.05% | $5 | Must maintain a minimum balance of $10 in the account each day to obtain disclosed APY. |
Sources (2)
All captured Oct 5, 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.