The Savings Bank Savings & Money Market Rates

How The Savings Bank’s savings rates compare

Compared with banks and credit unions near Boston, MA-NH, where The Savings Bank has the most branches. $10,000, best rate first.

This bank’s best
The Savings Bank
3.00%APY
Requires
Another account
Minimum
$10
Earns on $10,000 a year
$300
Companion Savings Account
Top rate
Leader Bank
5.00%APY
Requires
Monthly account activity
Minimum
$10
Earns on $10,000 a year
$500
Leader Bank rates
2nd-highest rate
Albright Credit Union
5.00%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$500
Albright Credit Union rates

Compare savings rates near you →

78

Savings score

Higher than 46% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.08%
$10,000 balance$10,0000.10%
$100,000 balance$100,0000.30%
QualifiedQualified3.00%

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.

How the score works →

Where The Savings 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.

Companion Savings Account

3.00%APYRequirements apply$10 to open

Can be opened in conjunction with a Certificate of Deposit (CD) or a TSB 365 Checking account. Deposits and withdrawals can be made at any time. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upAvailable only in conjunction with a TSB 365 Checking account or any CD.$10 and up	3.00%	$300	Available only in conjunction with a TSB 365 Checking account or any CD.

Sources (3)

All captured Oct 5, 2026

Consumer Money Market

0.05%APY$2,500 to open

No interest is accrued on any day that the balance is less than $10.00. Monthly Service Fee of $15.00 is waived if a daily balance of $2,500 is maintained.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Tier 1. Fee waived if daily balance of $2,500 is maintained.	0.01%	—	Tier 1. Fee waived if daily balance of $2,500 is maintained.
$2,500 – $10,000Tier 2. Fee waived if daily balance of $2,500 is maintained.	0.03%	—	Tier 2. Fee waived if daily balance of $2,500 is maintained.
$10,000 – $25,000Tier 3. Fee waived if daily balance of $2,500 is maintained.	0.05%	$5	Tier 3. Fee waived if daily balance of $2,500 is maintained.
$25,000 – $50,000Tier 4. Fee waived if daily balance of $2,500 is maintained.	0.10%	—	Tier 4. Fee waived if daily balance of $2,500 is maintained.
$50,000 – $100,000Tier 5. Fee waived if daily balance of $2,500 is maintained.	0.15%	—	Tier 5. Fee waived if daily balance of $2,500 is maintained.
$100,000 – $250,000Tier 6. Fee waived if daily balance of $2,500 is maintained.	0.30%	—	Tier 6. Fee waived if daily balance of $2,500 is maintained.
$250,000 – $500,000Tier 7. Fee waived if daily balance of $2,500 is maintained.	0.50%	—	Tier 7. Fee waived if daily balance of $2,500 is maintained.
$500,000 – $1,000,000Tier 8. Fee waived if daily balance of $2,500 is maintained.	0.75%	—	Tier 8. Fee waived if daily balance of $2,500 is maintained.
$1,000,000 and upTier 9. Fee waived if daily balance of $2,500 is maintained.	1.01%	—	Tier 9. Fee waived if daily balance of $2,500 is maintained.

Sources (3)

All captured Oct 5, 2026

Investment Savings

0.10%APY$2,500 to open

Monthly service fee is $15.00, waived if a daily balance of $2,500 is maintained. Minimum opening deposit is $2,500.00. No interest is accrued on any day that the balance is less than $10.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Tier 1 rate. Monthly fee of $15.00 is waived with a minimum daily balance of $2,500.	0.03%	—	Tier 1 rate. Monthly fee of $15.00 is waived with a minimum daily balance of $2,500.
$2,500 and upTier 2 rate. Monthly fee of $15.00 is waived with a minimum daily balance of $2,500.	0.10%	$10	Tier 2 rate. Monthly fee of $15.00 is waived with a minimum daily balance of $2,500.

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

Statement Savings

0.08%APYAge limits$10 to open

Monthly maintenance fee is $1.00, waived if a daily balance of $250 is maintained. Depositors under 19 or over 65 may qualify as exempt from certain service fees. No interest is accrued on any day that the balance is less than $10.00.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upMonthly fee of $1.00 is waived with a minimum daily balance of $250. No interest accrued on days balance is below $10.00.$10 and up	0.08%	$8	Monthly fee of $1.00 is waived with a minimum daily balance of $250. No interest accrued on days balance is below $10.00.

Sources (3)

All captured Oct 5, 2026

Holiday Club

0.03%APYClub$10 to open

No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance to earn APY. No interest accrued on days balance is below $10.00.Any balance	0.03%	$3	No minimum balance to earn APY. No interest accrued on days balance is below $10.00.

Sources (1)

tsbdirect.bank/rates-calculators/deposit-rates · captured Oct 5, 2026

The C.L.U.B. For Young Savers

0.03%APYKids and teens$10 to open

Account for children who can write their name. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance to earn APY. No interest accrued on days balance is below $10.00.Any balance	0.03%	$3	No minimum balance to earn APY. No interest accrued on days balance is below $10.00.

Sources (2)

All captured Oct 5, 2026

Closed to new customers

Passbook Savings

0.03%APY

Not available for new accounts; information provided for existing account holders. Monthly service fee of $1.00 is waived if a daily balance of $250 is maintained.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upNot available for new accounts. Monthly service fee of $1.00 is waived if a daily balance of $250 is maintained.$10 and up	0.03%	$3	Not available for new accounts. Monthly service fee of $1.00 is waived if a daily balance of $250 is maintained.

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.

Visit institution website ↗Branches and institution details

How The Savings Bank’s savings rates compare

The Savings Bank savings score

Current savings rates

Companion Savings Account

Consumer Money Market

Investment Savings

Special-purpose accounts

Statement Savings

Holiday Club

The C.L.U.B. For Young Savers

Closed to new customers

Passbook Savings

Opening an account