Bank · FDIC insured
Winchester Savings Bank Savings Rates
Winchester Savings Bank’s best savings rate is 2.65% APY on $10,000, with its Special Money Market. Rates checked October 15, 2026.
How Winchester Savings Bank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Winchester Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Winchester Savings Bank
2.65%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $265
Special 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
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Winchester Savings Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0002.65%
- $100,000 balance$100,0002.65%
- QualifiedQualified2.65%
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 Winchester 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.
Special Money Market
2.65%APY
Unlimited transfers. $2,500 minimum balance needed to avoid $10 monthly maintenance service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$2,500 minimum balance needed to avoid monthly maintenance service charge.$10 and up | 2.65% | $265 | $2,500 minimum balance needed to avoid monthly maintenance service charge. |
Sources (3)
- winchestersavings.com/personal/banking/savings
- winchestersavings.com/rates/deposit
- winchestersavings.com/forms-disclosures
All captured Oct 15, 2026
High Yield Savings
0.50%APY
$3 monthly maintenance service charge waived with a minimum balance of $250.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$3 monthly maintenance service charge waived with a minimum balance of $250. Fees may reduce earnings. | 0.50% | $50 | $3 monthly maintenance service charge waived with a minimum balance of $250. Fees may reduce earnings. |
| $25,000 and up$3 monthly maintenance service charge waived with a minimum balance of $250. Fees may reduce earnings. | 2.65% | — | $3 monthly maintenance service charge waived with a minimum balance of $250. Fees may reduce earnings. |
| $1,000,000 and up$3 monthly maintenance service charge waived with a minimum balance of $250. Fees may reduce earnings. | 2.65% | — | $3 monthly maintenance service charge waived with a minimum balance of $250. Fees may reduce earnings. |
Sources (2)
All captured Oct 15, 2026
Money Market Account
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.20% | $20 |
| $50,000 and up | 1.25% | — |
| $250,000 and up | 1.50% | — |
| $500,000 and up | 1.50% | — |
Sources (1)
- winchestersavings.com/rates/deposit · captured Oct 15, 2026
Statement Savings
0.10%APY
No monthly maintenance service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upNo monthly maintenance service charge. Fees may reduce earnings. | 0.10% | $10 | No monthly maintenance service charge. Fees may reduce earnings. |
| $50,000 and upNo monthly maintenance service charge. Fees may reduce earnings. | 0.20% | — | No monthly maintenance service charge. Fees may reduce earnings. |
| $250,000 and upNo monthly maintenance service charge. Fees may reduce earnings. | 0.30% | — | No monthly maintenance service charge. Fees may reduce earnings. |
| $500,000 and upNo monthly maintenance service charge. Fees may reduce earnings. | 0.50% | — | No monthly maintenance service charge. Fees may reduce earnings. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Variable Rate Retirement
2.65%APY
Retirement account. Fees/charges could reduce earnings on these accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upFees/charges could reduce earnings on these accounts.$10 and up | 2.65% | $265 | Fees/charges could reduce earnings on these accounts. |
Sources (1)
- winchestersavings.com/rates/deposit · captured Oct 15, 2026
Club Account
0.10%APY
Funds are transferred to your WSB deposit account in October of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upFunds are transferred to your WSB deposit account in October of each year. Fees may reduce earnings.$10 and up | 0.10% | $10 | Funds are transferred to your WSB deposit account in October of each year. Fees may reduce earnings. |
Sources (2)
All captured Oct 15, 2026
Closed to new customers
Passbook Savings
0.10%APY
Available for existing accounts only.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upExisting accounts only. Fees may reduce earnings.$10 and up | 0.10% | $10 | Existing accounts only. Fees may reduce earnings. |
Sources (1)
- winchestersavings.com/rates/deposit · captured Oct 15, 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.