Bank · FDIC insured
Pittsfield Cooperative Bank Savings Rates
Pittsfield Cooperative Bank’s best savings rate is 0.05% APY on $10,000, with its Money Market Deposit Account. Rates checked October 15, 2026.
How Pittsfield Cooperative Bank’s savings rates compare
Compared with banks and credit unions near Pittsfield, MA, where Pittsfield Cooperative Bank has the most branches. $10,000, best rate first.
This bank’s best
Pittsfield Cooperative Bank
3.51%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $351
High Action Money Market
Top rate
Lee Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
3rd-highest rate
Adams Community Bank
3.40%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Pittsfield Cooperative Bank savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.05%
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 Pittsfield Cooperative 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 Action Money Market
Up to 3.51%APY
Deposit must be new money. Requires minimum monthly balance of $5,000.00. Tax reported owner (TRO) must have a Pittsfield Cooperative Bank checking account with direct deposit and $25,000 total combined Co-op Bank balance across accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRevert APY applied if monthly account qualifications are not met. | 0.10% | $10 | Revert APY applied if monthly account qualifications are not met. |
| $5,000 and upMust be new money. Requires minimum monthly balance of $5,000.00 and checking account with direct deposit plus $25,000 combined deposit balance. Deposit rates are variable. | 3.51% | $351 | Must be new money. Requires minimum monthly balance of $5,000.00 and checking account with direct deposit plus $25,000 combined deposit balance. Deposit rates are variable. |
Sources (1)
- pittsfieldcoop.com/BANK/Saving/High-ActionMM · captured Sep 18, 2026
Money Market Deposit Account
0.05%APY
Rates may change after account is opened. Monthly fee waived if balance does not fall below $2,500.00 on any day of the cycle. Deposit rates may vary for non-residents of Massachusetts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. | 0.05% | $5 | Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. |
| $25,000 – $100,000Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. | 0.15% | — | Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. |
| $100,000 – $500,000Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. | 0.35% | — | Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. |
| $500,000 – $1,000,000Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. | 1.25% | — | Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. |
| $1,000,000 and upRequires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. | 2.25% | — | Requires maintaining the minimum stated tier balance to obtain the APY. $3.00 monthly service charge imposed if balance falls below $2,500.00 on any day of the statement cycle. |
Tiered Statement Savings
0.05%APY
Interest rates increase at higher deposit tiers. Requires maintaining the stated tier balance to obtain the tier APY. Transfers limited to 6 per statement cycle. Daily balance method, compounded daily, credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Tier balance of $10 to $99,999.99 required. | 0.05% | $5 | Tier balance of $10 to $99,999.99 required. |
| $100,000 – $250,000Tier balance of $100,000 to $249,999.99 required. | 0.15% | — | Tier balance of $100,000 to $249,999.99 required. |
| $250,000 and upTier balance of $250,000 or greater required. | 0.30% | — | Tier balance of $250,000 or greater required. |
Sources (3)
All captured Oct 5, 2026
Statement Savings
0.05%APY
Same rate for all deposits. Transfers to another account or third parties limited to 6 per statement cycle. Daily balance method, compounded daily, credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance of $10.00 required to obtain stated APY.$10 and up | 0.05% | $5 | Minimum balance of $10.00 required to obtain stated APY. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Children's Savings Account
0.05%APY
No minimum balance required to obtain the APY. Transfers to another account or third parties by preauthorized, automatic, or telephone transfer are not permitted. Daily balance method, compounded daily, credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to obtain the associated APY.Any balance | 0.05% | $5 | No minimum balance required to obtain the associated APY. |
Closed to new customers
Passbook Savings Account
0.05%APY
No longer available for new account openings. Daily balance method calculates interest. Compounded daily, credited monthly. Rates may vary for non-residents of Massachusetts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance of $10.00 required to obtain stated APY. No monthly service charge.$10 and up | 0.05% | $5 | Minimum balance of $10.00 required to obtain stated APY. No monthly service charge. |
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.