Bank · FDIC insured
Seamen's Bank Savings Rates
Seamen's Bank’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Seamen's Bank’s savings rates compare
Compared with banks and credit unions near Barnstable Town, MA, where Seamen's Bank has the most branches. $10,000, best rate first.
This bank’s best
Seamen's Bank
0.50%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $50
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
Cape Cod 5
2.75%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $275
Seamen's Bank savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.50%
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 Seamen's 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
0.50%APY
Maintain an average daily balance of $2,500 to waive the $5.00 monthly service charge. Minimum balance to open is $1.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Maintain an average daily balance of $2,500 to waive the $5.00 monthly maintenance fee. | 0.50% | $50 | Maintain an average daily balance of $2,500 to waive the $5.00 monthly maintenance fee. |
| $25,000 – $50,000Maintain an average daily balance of $2,500 to waive the $5.00 monthly maintenance fee. | 1.01% | — | Maintain an average daily balance of $2,500 to waive the $5.00 monthly maintenance fee. |
| $50,000 and upMaintain an average daily balance of $2,500 to waive the $5.00 monthly maintenance fee. | 2.00% | — | Maintain an average daily balance of $2,500 to waive the $5.00 monthly maintenance fee. |
Plus Savings
0.15%APY
Must be linked to a Personal NOW Account. Other Restrictions may Apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMust be linked to a Personal NOW Account Other Restrictions may Apply.$1 and up | 0.15% | $15 | Must be linked to a Personal NOW Account Other Restrictions may Apply. |
Sources (1)
- seamensbank.com/personal-banking/rates · captured Oct 5, 2026
Statement Savings Account
0.10%APY
Pays interest while letting you make unlimited deposits. There is no monthly fee and no minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
Sources (3)
- seamensbank.com/personal-banking
- seamensbank.com/personal-banki…al-accounts-and-services
- seamensbank.com/personal-banking/rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Savings
0.10%APY
Minimum Balance for Retirement Accounts Refers to the Minimum Deposit Required to Open the Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum Balance for Retirement Accounts Refers to the Minimum Deposit Required to Open the Account.$50 and up | 0.10% | $10 | Minimum Balance for Retirement Accounts Refers to the Minimum Deposit Required to Open the Account. |
Sources (3)
- seamensbank.com/personal-banking
- seamensbank.com/personal-banki…al-accounts-and-services
- seamensbank.com/personal-banking/rates
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.