Compare Bank & Credit Union Rates
Best savings rates in Cambridge, MA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Cambridge, MA
- 0.10%APY$10 a year on $10,000
Requirements
Product: Must maintain $5 minimum balance. A $2.00 monthly account maintenance fee applies beginning 2 years after account opening, but is waived if maintaining a $250 combined daily balance in shares and checking, having a loan or VISA, or if under 22 years of age. Excess share withdrawals over 3 per month incur a $5.00 fee (exempt if maintaining a $2,000 Share Savings balance). Dividends compounded and paid monthly.
0.10% interest rate · $2 monthly fee · Effective Aug 17, 2026
Rate checked
More details - Transportation Federal Credit UnionSpecial Purpose Savings AccountSavings · $5 min
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Save toward vacation, special event, taxes or other specific goals. Dividends paid monthly. Withdrawal restrictions apply. $5 suggested opening deposit; $5 minimum balance required to earn APY.
0.10% interest rate · Effective Aug 17, 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 - 0.05%APY$5 a year on $10,000
Requirements
Product: A savings account requires a $5.00 minimum balance to open and must remain on deposit to maintain membership status. Rates are variable and may change anytime after account opening. No monthly maintenance fees.
Offer: Minimum daily balance to earn APY is $100.00.
0.05% interest rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - MIT Federal Credit UnionStarter SavingsSavings · $5 min · 0.05%–5.00% by balance
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: A savings account requires a $5.00 minimum balance to open and must remain on deposit to maintain membership status. No monthly maintenance fees. Rates are variable and may change anytime after account opening.
Offer: Applies up to and including the first $2,000.00.
4.88% interest rate · No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Starter Savings Balance APY Up to $2,000 5.00% $2,000 and upYour amountSchedule states blended APY range of 5.00% - 0.05%. 0.05%* Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
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: Base rate earned on entire daily balance when Smart Rewards Checking monthly qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: We reserve the right to require seven days notice of intent to withdraw funds from Statement Savings Accounts.
Offer: Annual Percentage Yield (APY) is based on interest compounding monthly. Rates are subject to change without notice. The rates may change after the account is opened. $10.00 minimum balance to open and obtain the stated APY. Minimum daily balance to receive interest: $10.00. No monthly maintenance fees.
0.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: We reserve the right to require seven days notice of intent to withdraw funds from Passbook Savings Accounts.
Offer: Annual Percentage Yield (APY) is based on interest compounding monthly. Rates are subject to change without notice. The rates may change after the account is opened. $10.00 minimum balance to open and obtain the stated APY. Minimum daily balance to receive interest: $10.00. No monthly maintenance fees.
0.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - First Citizens BankMoney Market AccountMoney Market Account · $500 min · 0.05%–0.15% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Interest rates for money market savings accounts may vary depending on your area.
Offer: Maintain a $1,000 daily balance to avoid a $10 maintenance fee.
$10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.05% $1,000 – $9,999 0.05% $10,000 – $24,999Your amount 0.05% $25,000 – $49,999 0.07% $50,000 – $99,999 0.07% $100,000 – $499,999 0.10% $500,000 and up 0.15% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Tiered interest-bearing reward savings account. Must be linked to an Xcelerate High-Yield Checking or Xcelerate CashBack Checking account. Limited to one account per membership. No minimum balance requirement to open or maintain. Dividends credited and compounded monthly.
Offer: Earned on all balances if monthly qualifications on linked checking account are not met.
Qualified rate · 0.05% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. Membership qualifying primary share account.
Offer: Compounds daily. No monthly maintenance fee.
0.05% interest rate · No monthly fee · Effective May 18, 2026
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 - East Cambridge Savings BankEast Cambridge Money MarketEast Cambridge Money Market · $25 min
Bank · 2 branches
0.03%APY$3 a year on $10,000with conditionsRequirements
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: Entire balance if monthly qualifications not met.
Qualified rate · 0.03% interest rate · No monthly fee · Effective Oct 4, 2026
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 4 branches
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 Cambridge, MA
57 accounts at 17 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.70%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Boston, MA-NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 13 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches