Bank · FDIC insured
StonehamBank Savings Rates
StonehamBank’s best savings rate is 0.05% APY on $10,000, with its Optimum Money Market. Rates checked October 15, 2026.
How StonehamBank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where StonehamBank has the most branches. $10,000, best rate first.
This bank’s best
StonehamBank
3.75%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $375
Optimum Bundle 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
StonehamBank savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.15%
- QualifiedQualified3.75%
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 StonehamBank 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.
Optimum Bundle Savings
3.75%APY
Available for new checking customers only (no existing or prior personal checking accounts with StonehamBank within previous 12 months). Requires opening companion Optimum Bundle Checking and maintaining monthly requirements: $500+ direct deposit, 5+ debit card POS transactions, and e-statement enrollment.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMust maintain monthly requirements in companion Optimum Bundle Checking: receive monthly direct deposit of $500+, initiate 5+ POS debit card transactions, and enroll in e-statements. $10 minimum balance required to open and earn stated APY.$10 and up | 3.75% | $375 | Must maintain monthly requirements in companion Optimum Bundle Checking: receive monthly direct deposit of $500+, initiate 5+ POS debit card transactions, and enroll in e-statements. $10 minimum balance required to open and earn stated APY. |
Sources (1)
- stonehambank.com/banking/spending/optimum-bundle · captured Oct 5, 2026
Optimum Money Market
0.05%APY
Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. Interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. | 0.00% | — | Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. |
| Up to $25,000Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. | 0.05% | $5 | Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. |
| $25,000 – $100,000Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. | 0.10% | — | Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. |
| $100,000 – $250,000Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. | 0.15% | — | Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. |
| $250,000 and upMonthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. | 0.20% | — | Monthly maintenance fee of $5 is waived with a $2,500 average daily balance. $10 minimum balance to open and earn APY. |
Sources (1)
- stonehambank.com/banking/saving/optimum-money-market · captured Oct 5, 2026
Plus One Money Market
0.20%APY
Available only with an Optimum Plus or Optimum One Checking Account. No monthly maintenance fee. $10 minimum balance to open and earn APY. Interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10An Optimum Plus or Optimum One Checking Account is required to be eligible to open this account. $10 minimum balance to open and earn APY. | 0.00% | — | An Optimum Plus or Optimum One Checking Account is required to be eligible to open this account. $10 minimum balance to open and earn APY. |
| $10 and upAn Optimum Plus or Optimum One Checking Account is required to be eligible to open this account. $10 minimum balance to open and earn APY. | 0.20% | $20 | An Optimum Plus or Optimum One Checking Account is required to be eligible to open this account. $10 minimum balance to open and earn APY. |
Sources (1)
- stonehambank.com/banking/saving/plus-one-money-market · captured Oct 5, 2026
Optimum Savings
0.05%APY
Variable rate may change after account is opened. Transaction limit of 6 pre-authorized, automatic, check, or telephone transfers per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10.00 minimum balance required to open account and earn interest/APY. Variable rate may change after account is opened.$10 and up | 0.05% | $5 | $10.00 minimum balance required to open account and earn interest/APY. Variable rate may change after account is opened. |
Sources (3)
- stonehambank.com/banking/saving
- stonehambank.com/rates
- stonehambank.com/banking/saving/optimum-savings
All captured Oct 5, 2026
Special-purpose accounts
Optimum Student Savings
1.00%APY
Primary account holder must be between 13 and 22 years of age (must be 18 to open online). Converts to Optimum Savings at age 23. Transaction limit of 6 transfers per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10.00 minimum balance required to open account and earn interest/APY. Variable rate may change after account is opened. Primary account holder must be age 13-22.$10 and up | 1.00% | $100 | $10.00 minimum balance required to open account and earn interest/APY. Variable rate may change after account is opened. Primary account holder must be age 13-22. |
Sources (3)
- stonehambank.com/banking/saving
- stonehambank.com/rates
- stonehambank.com/banking/saving/optimum-student_savings
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.