Compare Bank & Credit Union Rates
Best savings rates in Andover, MA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Andover, MA
- First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
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.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Reading Cooperative BankCash Booster Money MarketCash Booster Money Market · $100 min · 0.00%–3.00% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. $10.00 minimum balance to open stated in overview ($100.00 in rate schedule).
Offer: Minimum balance to earn APY: Bal.<$10.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle.
0.00% interest rate · $12 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Cash Booster Money Market Balance APY Up to $10 0.00% Up to $2,500 0.05% $2,500 – $10,000 3.00% $10,000 – $25,000Your amount 3.00% $25,000 – $50,000 3.00% $50,000 – $100,000 3.00% $100,000 and upMinimum balance to earn APY: Bal. $100,000 and More. 3.00% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: 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.
Offer: Available only in conjunction with a TSB 365 Checking account or any CD.
Qualified rate · 2.96% interest rate · Effective Sep 30, 2026
Rate checked
More details - Rockland TrustRockland Complete Money MarketRockland Complete Money Market · $250 min · 0.10%–1.00% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Variable interest rates; may change after the account is opened. Fees may reduce your earnings. The APY for each balance tier in your Rockland Trust Complete Money Market Savings Account will apply to the entire balance.
Offer: Compounded monthly. Variable interest rate. APY applies to entire balance.
0.10% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Rockland Complete Money Market Balance APY Up to $5,000 0.10% $5,000 – $25,000Your amount 0.30% $25,000 – $50,000 0.55% $50,000 – $1,000,000 1.00% $1,000,000 and up 1.00% Rate checked
More details - Rockland TrustMoney Market SavingsMoney Market Savings · $25 min · 0.05%–0.55% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Variable interest rates; may change after the account is opened. $8 monthly maintenance fee waived if you maintain a $2,500 daily balance. The APY for each balance tier applies to the entire balance.
Offer: Compounded monthly. Variable interest rate. $8 monthly fee waived with $2,500 daily balance. APY applies to entire balance.
0.05% interest rate · Compounded monthly · $8 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.50% $50,000 – $1,000,000 0.55% $1,000,000 and up 0.55% Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: 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.
Offer: Tier 1 rate. Monthly fee of $15.00 is waived with a minimum daily balance of $2,500.
0.03% interest rate · $15 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $2,500 0.03% $2,500 and upYour amountTier 2 rate. 0.10% Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: 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.
Offer: Monthly fee of $1.00 is waived with a minimum daily balance of $250. No interest accrued on days balance is below $10.00.
0.08% interest rate · $1 monthly fee · Effective Sep 30, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate checked
More details - Reading Cooperative BankMoney Market Deposit AccountsMoney Market Deposit Accounts · $10 min · 0.05%–0.10% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Minimum daily balance of $10 to earn annual percentage yield.
Offer: Minimum daily balance of >$9.99 and <$2,500.00 to earn APY.
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Deposit Accounts Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 and up 0.10% Rate checked
More details - The Savings BankConsumer Money MarketConsumer Money Market · $2,500 min · 0.01%–1.01% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: 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.
Offer: Tier 1. Fee waived if daily balance of $2,500 is maintained.
0.01% interest rate · $15 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Consumer Money Market Balance APY Up to $2,500 0.01% $2,500 – $10,000Tier 2. 0.03% $10,000 – $25,000Your amountTier 3. 0.05% $25,000 – $50,000Tier 4. 0.10% $50,000 – $100,000Tier 5. 0.15% $100,000 – $250,000Tier 6. 0.30% $250,000 – $500,000Tier 7. 0.50% $500,000 – $1,000,000Tier 8. 0.75% $1,000,000 and upTier 9. 1.01% Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
Offer: Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Citizens Private Client® Money Market Balance APY Up to $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $49,999 3.50% $50,000 – $99,999 3.50% $100,000 – $249,999 3.50% $250,000 – $499,999 3.50% $500,000 – $999,999 3.50% $1,000,000 – $2,999,999 3.50% $3,000,000 and up 3.50% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: $5 monthly fee waived by maintaining $300 daily balance, linking TD Beyond/Complete/Relationship Checking account, or for account holders age 18 or under / 62 or older. Standard APY applies to all tiers.
Offer: Standard APY for all tiers
$5 monthly fee
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Andover, MA
27 accounts at 9 banks and credit unions · checked Oct 5–22
- Typical
- 0.03%
- Top 10% from
- 3.00%
- Banks, typical
- 0.03%
- Credit unions, typical
- 1.51%
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Boston, MA-NH metro
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Ranked across their CDs, savings, auto loans and credit cards. How scores work
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