Bank · FDIC insured
Torrington Savings Bank Savings Rates
Torrington Savings Bank’s best savings rate is 3.79% APY on $10,000, with its Momentum Money Market. Rates checked October 22, 2026.
How Torrington Savings Bank’s savings rates compare
Compared with banks and credit unions near Torrington, CT, where Torrington Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Torrington Savings Bank
3.79%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $379
Momentum Money Market
2nd-highest rate
Torrington Federal Credit Union
0.75%APY
- Minimum
- $1,000.01
- Earns on $10,000 a year
- $75
3rd-highest rate
Northwest Community Bank
0.75%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Torrington Savings Bank savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0003.79%
- $100,000 balance$100,0003.79%
- QualifiedQualified3.79%
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 Torrington 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.
Momentum Money Market
3.79%APY
Limited-time promotional offer. Requires new money not currently on deposit with Torrington Savings Bank. Business accounts are not eligible.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Fixed introductory rate for 90 days, then converts to Signature Money Market rate. Requires new money not currently on deposit with Torrington Savings Bank.Over $0 | 3.79% | $379 | Fixed introductory rate for 90 days, then converts to Signature Money Market rate. Requires new money not currently on deposit with Torrington Savings Bank. |
Sources (1)
- torringtonsavings.bank/2026-promotional-rate-offers · captured Oct 15, 2026
Signature Money Market
0.25%APY
Earns variable interest rate. Can be linked to checking for combined statement and/or overdraft protection. $10 monthly service fee if daily balance falls below $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Maintaining daily balance below $2,500 incurs a $10 monthly service fee. | 0.25% | $25 | Maintaining daily balance below $2,500 incurs a $10 monthly service fee. |
| $25,000 and upNo monthly service fee when maintaining a daily balance of $2,500.00. | 0.50% | — | No monthly service fee when maintaining a daily balance of $2,500.00. |
| $75,000 and upNo monthly service fee when maintaining a daily balance of $2,500.00. | 1.00% | — | No monthly service fee when maintaining a daily balance of $2,500.00. |
| $150,000 and upNo monthly service fee when maintaining a daily balance of $2,500.00. | 1.25% | — | No monthly service fee when maintaining a daily balance of $2,500.00. |
| $250,000 and upNo monthly service fee when maintaining a daily balance of $2,500.00. | 2.00% | — | No monthly service fee when maintaining a daily balance of $2,500.00. |
Sources (2)
All captured Oct 22, 2026
Journey Savings
Up to 0.35%APY
No monthly maintenance fee. Interest is compounded continuously (or daily) and credited monthly. A low Overdraft Protection Fee applies. Available to open online or in branch.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upInterest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. | 0.25% | $25 | Interest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. |
| $10,000 and upInterest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. | 0.35% | $35 | Interest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. |
| $25,000 and upInterest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. | 0.50% | — | Interest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. |
| $50,000 and upInterest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. | 0.75% | — | Interest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. |
Sources (3)
- torringtonsavings.bank/personal/savings-accounts
- torringtonsavings.bank/persona…accounts/journey-savings
- torringtonsavings.bank/rates
All captured Oct 22, 2026
Advantage Money Market
0.10%APY
Earns variable interest rate. Can be linked to checking for combined statement and/or overdraft protection. Maintaining balances below $1,000 will change your APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 and up | 0.10% | $10 |
| $50,000 and up | 0.12% | — |
| $100,000 and up | 0.15% | — |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
First Time Savers
0.10%APY
Available up to 21 years of age. Earns special interest rate on first $1,000 deposited; earns blended interest rate on balances over $1,000. Earns additional special interest payment of $5 when a deposit has been made for 12 consecutive months. Account converts to Journey Savings on 22nd birthday.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to balances < $1,000.00. Interest is compounded continuously from the day of deposit to the day of withdrawal and credited monthly. Savers up to 21 years old. | 5.12% | — | Applies to balances < $1,000.00. Interest is compounded continuously from the day of deposit to the day of withdrawal and credited monthly. Savers up to 21 years old. |
| $1,000 and upMaintaining balances in excess of $1,000 will change your APY; earns blended interest rate on balances over $1,000. Interest is compounded continuously and credited monthly. | 0.10% | $10 | Maintaining balances in excess of $1,000 will change your APY; earns blended interest rate on balances over $1,000. Interest is compounded continuously and credited monthly. |
Sources (3)
- torringtonsavings.bank/personal/savings-accounts
- torringtonsavings.bank/persona…s/first-time-savers-club
- torringtonsavings.bank/rates
All captured Oct 22, 2026
IRA Signature Money Market
0.25%APY
IRA deposit account. Interest compounded continuously and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.25% | $25 |
| $25,000 and up | 0.50% | — |
| $75,000 and up | 1.00% | — |
| $150,000 and up | 1.25% | — |
| $250,000 and up | 2.00% | — |
Sources (1)
- torringtonsavings.bank/rates · captured Oct 22, 2026
IRA Money Market
0.10%APY
IRA deposit account. Interest compounded continuously and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 and up | 0.10% | $10 |
| $50,000 and up | 0.12% | — |
| $100,000 and up | 0.15% | — |
Sources (1)
- torringtonsavings.bank/rates · captured Oct 22, 2026
Premier Health Savings
0.10%APY
Health Savings Account for individuals and families enrolled in a high-deductible health plan (HDHP). Must meet IRS eligibility rules: covered under HDHP, no other non-permitted health coverage, not enrolled in Medicare, cannot be claimed as a dependent. No setup or transaction fees, no monthly or annual maintenance fees. Complimentary debit Mastercard. Tax-free growth and withdrawals for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Requires high-deductible health plan (HDHP) enrollment. No minimum balance to open, no setup or transaction fees, no monthly or annual maintenance fees. | 0.05% | — | Requires high-deductible health plan (HDHP) enrollment. No minimum balance to open, no setup or transaction fees, no monthly or annual maintenance fees. |
| $5,000 – $25,000Requires high-deductible health plan (HDHP) enrollment. No minimum balance to open, no setup or transaction fees, no monthly or annual maintenance fees. | 0.10% | $10 | Requires high-deductible health plan (HDHP) enrollment. No minimum balance to open, no setup or transaction fees, no monthly or annual maintenance fees. |
| $25,000 and upRequires high-deductible health plan (HDHP) enrollment. No minimum balance to open, no setup or transaction fees, no monthly or annual maintenance fees. | 0.15% | — | Requires high-deductible health plan (HDHP) enrollment. No minimum balance to open, no setup or transaction fees, no monthly or annual maintenance fees. |
Sources (2)
All captured Oct 22, 2026
Build Your Own Club
0.05%APY
Choose your own maturity date and savings goal. Withdrawals throughout the year are not permitted with this account. Can use direct deposit. Variable interest rate. Must open in branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Withdrawals throughout the year are not permitted with this account. Interest is compounded continuously and credited monthly. Earns variable interest rate.Over $0 | 0.05% | $5 | Withdrawals throughout the year are not permitted with this account. Interest is compounded continuously and credited monthly. Earns variable interest rate. |
Sources (2)
All captured Oct 22, 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.