Bank · FDIC insured
Needham Bank Savings Rates
Needham Bank’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Needham Bank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Needham Bank has the most branches. $10,000, best rate first.
This bank’s best
Needham Bank
3.00%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $300
Premium Money Market
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
Needham Bank savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.30%
- QualifiedQualified4.00%
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 Needham 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.
GoalGetter Savings
4.00%APY on $10,000
Available to Flex Checking customers. Limit one account per tax reporting owner. Personal accounts only. Rate is blended for balances exceeding $20,000.
| Part of the balance | Rate on that part |
|---|---|
| Up to $20,000 | 3.93% |
| Over $20,000 | 0.05% |
On $10,000 the tiers blend to about 4.00% APY, earning $400 a year.
Premium Money Market
Up to 3.00%APY
Personal accounts only. Pair with Premium Checking for tier rates; accounts without Premium Checking earn 0.05% APY regardless of balance. No monthly maintenance fees. $250 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Requires linked Premium Checking Account. | 3.00% | $300 | Requires linked Premium Checking Account. |
| Any balanceRate applied without Premium Checking account. | 0.05% | $5 | Rate applied without Premium Checking account. |
| $25,000 – $50,000Requires linked Premium Checking Account. | 3.25% | — | Requires linked Premium Checking Account. |
| $50,000 and upRequires linked Premium Checking Account. | 3.50% | — | Requires linked Premium Checking Account. |
Sources (3)
- needhambank.com/personal/money-market-accounts
- needhambank.com/personal/money…nts/premium-money-market
- needhambank.com/deposit-rates
All captured Oct 5, 2026
Super Saver Money Market
0.50%APY
Personal accounts only. Needham Bank personal checking account required. Available to new customers or existing customers who deposit $10,000 or more in new-to-Needham Bank funds. If qualifications are not met within 60 days of account opening, account may be converted to standard Money Market Account. No monthly maintenance fees. Minimum opening deposit $250.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Requires Needham Bank personal checking account and new customer status or $10,000+ new-to-bank funds. | 0.50% | $50 | Requires Needham Bank personal checking account and new customer status or $10,000+ new-to-bank funds. |
| $25,000 – $49,999Requires Needham Bank personal checking account and new customer status or $10,000+ new-to-bank funds. | 2.00% | — | Requires Needham Bank personal checking account and new customer status or $10,000+ new-to-bank funds. |
| $50,000 and upRequires Needham Bank personal checking account and new customer status or $10,000+ new-to-bank funds. | 3.50% | — | Requires Needham Bank personal checking account and new customer status or $10,000+ new-to-bank funds. |
Sources (3)
- needhambank.com/personal/money-market-accounts
- needhambank.com/super-saver-money-market
- needhambank.com/deposit-rates
All captured Oct 5, 2026
Money Market
0.10%APY
$250 minimum deposit to open. No monthly account or maintenance fees. Available as a sweep account. Tiered interest rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.15% | — |
| $50,000 – $100,000 | 0.25% | — |
| $100,000 and up | 0.30% | — |
Sources (3)
- needhambank.com/personal/money-market-accounts
- needhambank.com/personal/money…et-accounts/money-market
- needhambank.com/deposit-rates
All captured Oct 5, 2026
NB Statement Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Sources (3)
- needhambank.com/personal/savings
- needhambank.com/personal/savings/nb-statement-savings
- needhambank.com/deposit-rates
All captured Oct 15, 2026
Special-purpose accounts
Money Market IRA
0.10%APY
IRA Money Market account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.15% | — |
| $50,000 – $100,000 | 0.25% | — |
| $100,000 and up | 0.30% | — |
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.