Best savings rates in Massachusetts

Requirements

Product: Promotional APYs apply to accounts opened between 9/21/26and 11/30/26 and are guaranteed through 12/31/26; thereafter, APYs may change. To open a new Zeugma Plus relationship, no owner can own or have owned a Leader Bank deposit account within the past 12 months and must deposit at least $1,000 in new funds from outside Leader Bank. Each Zeugma Plus account requires a $10 initial minimum balance, but the minimum aggregate initial balance across both accounts must be at least $1,000. Limit one Zeugma Plus Checking and one Zeugma Plus Savings account per household. Additional terms and conditions may apply.

Offer: Qualifying balances of $250,000 or less only. Accounts meeting the Qualifying Criteria will earn 5.00% APY on savings balances up to $250,000 the following month. To earn promotional APY, fulfill 3 requirements for Zeugma Plus Checking each month: (a) receive at least $1,000 in direct deposits, (b) enroll in eStatements, and (c) complete at least three posted and cleared electronic debit transactions (excluding exempt transactions).

Requirements

Product: Available exclusively to Kasasa Cash or Kasasa Cash Back checking account holders. Requires $10.00 to $25.00 minimum opening deposit. No monthly maintenance fees. Qualifications require at least 12 debit card purchases, enrollment in e-Statements, and online banking log-on per monthly qualification cycle.

Offer: When Kasasa Cash Back account qualifications are met. Daily balances up to $50,000 earn dividend rate of 4.889% (5.00% APY).

Requirements

Product: Offered online only. New money and new members only. Variable rate account; rates may change after account opening. Interest is paid for each day funds remain on deposit.

Offer: As high as 4.95% APY. Requires $2,500.00 minimum daily balance to earn APY and minimum deposit. Available online only to new members and with new money.

Requirements

Product: Must have a linked Kasasa Cash, Kasasa Cash Back, or Kasasa Eats checking account. Requires meeting checking qualification criteria during each Monthly Qualification Cycle (12 debit card purchases, 1 direct deposit or ACH credit, and enrollment in e-statements). Limit 1 account per tax identification number. Not for commercial purposes.

Offer: Applies to average daily balances up to $100,000 when linked Kasasa checking qualifications are met.

Requirements

Product: Available exclusively to Kasasa Cash or Kasasa Cash Back checking account holders. Requires $10.00 to $25.00 minimum opening deposit. No monthly maintenance fees. Qualifications require at least 12 debit card purchases, enrollment in e-Statements, and online banking log-on per monthly qualification cycle.

Offer: When qualifications met during Monthly Qualification Cycle. Rate on balances up to $50,000.

Requirements

Product: Must be opened in tandem/linked with EMPOWER Rewards Checking. Limit 1 rewards checking account per SSN per household. To qualify for higher rate tiers, must meet monthly qualification cycle requirements in checking: at least 30 debit card purchases post and settle, at least 1 ACH or direct deposit post and settle, and enrolled in eStatements.

Offer: Applies to entire balance if monthly qualifications are not met.

Requirements

Product: Account can only be opened online; in-person branch transactions are not allowed. Opening deposit must be funded with new money only (cannot be transferred from existing CSB account). Monthly maintenance service charge of $3.00 is waived if enrolled in eStatements.

Offer: Must maintain a minimum daily balance of $10.00 each day of the monthly statement cycle to obtain APY. Monthly service charge of $3.00 is waived with eStatements. Compounded daily and credited monthly.

Requirements

Product: 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.

Offer: 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.

Requirements

Product: Available in conjunction with Perks Checking or Relationship Rewards Checking. Monthly maintenance fee is $0. Must deposit $10 to open. Daily balance of $10.00 required to earn APY. Inactivity fee of $10 charged after 1 year of inactivity and every 90 days thereafter on balances under $1,000.

Offer: Paired with Relationship Rewards Checking. Preferred rate of 3.40% added to base rate of 0.10%, resulting in 3.50% interest rate and 3.60% APY. Requires active Relationship Rewards Checking account.

Requirements

Product: Deposit must be new money. Requires minimum monthly balance of $5,000.00. Tax reported owner (TRO) must have a Pittsfield Cooperative Bank checking account with direct deposit and $25,000 total combined Co-op Bank balance across accounts.

Offer: Revert APY applied if monthly account qualifications are not met.

Requirements

Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.

Requirements

Product: Available to new consumer deposit customers only (not having a consumer deposit account relationship with Avidia Bank for at least the past 6 months). Opening online is available to New England residents. Requires new money. The rate will not drop below 2.50% APY (2.47% rate) anytime before July 4, 2027 for accounts maintaining the daily minimum balance of $5,000. Daily balances of $4,999.99 and below will earn 1.00% APY (1.00% rate). After July 4, 2027, the account will revert to the then current High Yield Savings rate.

Offer: Daily balances of $4,999.99 and below will earn 1.00% APY (1.00% rate). Must be new money.

Requirements

Product: Requires an attached Smart Rewards Checking account. Limit of one Smart Rewards Savings account per member. No monthly maintenance fees and no minimum balance required.

Offer: Applies to balances up to and including $25,000 when Smart Rewards Checking monthly qualifications (12 debit card purchases posted/settled, access online/mobile banking at least once, e-statements) are met.

Requirements

Product: Must be linked with East Cambridge Checking to earn bonus rate. Exclusively for East Cambridge Checking customers. Personal deposits of Massachusetts residents only. No monthly maintenance fees. $25.00 minimum deposit required to open account.

Offer: Monthly qualifications met (25 Point-of-Sale transactions, 1 External Withdrawal posted and settled to linked East Cambridge Checking account during the month, and eStatements on account). Includes ATM rebates up to $20.00 for foreign bank ATM surcharges (capped at $5.00 per individual charge) and up to $10.00 in ECSB Foreign ATM charges.

Requirements

Product: Limited-time offer. Requires membership. New money only (funds currently held at the credit union cannot be used). Available for individuals only; IRA accounts are not eligible. Minimum $10,000 opening deposit to earn the advertised rate. Minimum daily balance of $10.00 required each day to obtain the advertised APY. Interest compounds daily. Rates subject to change after opening. Fees may reduce earnings.

Offer: New money only. Minimum opening balance and minimum balance to earn advertised rate is $10,000. Minimum daily balance of $10.00 required to obtain advertised APY. Qualifying interest/dividend rate is 3.39%. Interest compounds daily. Not eligible for IRAs.