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 16–30 results in Cambridge, MA
- Hanscom Federal Credit UnionPremier Money MarketPremier Money Market · $2,000 min · 0.50%–3.50% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Premier Checking required to open.
Offer: Premier Checking required to open.
Qualified rate · 0.50% interest rate · No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $25,000Your amount 0.50% $25,000 – $50,000 1.50% $50,000 – $100,000 2.50% $100,000 – $250,000 3.25% $250,000 – $500,000 3.25% $500,000 – $1,000,000 3.50% $1,000,000 and up 3.50% Rate checked
More details - Harvard Federal Credit UnionMoney MarketMoney Market · $1,500 min · 0.10%–0.65% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Tiered interest rates that increase with balance. Up to six electronic transfers allowed per month. Minimum $10.00 to earn APY. Not accessible through an ATM machine.
Offer: Minimum to earn APY is $10.00. Rate applies to balances < $1,500.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,500 0.10% $1,500 – $5,000 0.15% $5,000 – $25,000Your amountRate applies to balances $5k – < $25k. 0.25% $25,000 – $50,000Rate applies to balances $25k – < $50k. 0.25% $50,000 – $100,000Rate applies to balances $50k – < $100k. 0.45% $100,000 – $250,000Rate applies to balances $100k – < $250k. 0.55% $250,000 and upRate applies to balances over $250k. 0.65% Rate checked
More details - MIT Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.10%–0.40% by balance
Credit union · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: No monthly maintenance fees. Rates are variable and may change anytime after account opening. Interest is compounded daily and paid monthly. Rate varies by account balance.
Offer: Minimum daily balance of $1,000.00 to earn stated rate.
0.10% interest rate · Compounded daily · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 and up 0.10% $10,000 and upYour amount 0.20% $50,000 and up 0.25% $100,000 and up 0.30% $250,000 and up 0.35% $500,000 and up 0.40% Rate checked
More details - North Cambridge Co-Operative BankTiered Rate Money MarketTiered Rate Money Market · $10,000 min · 0.03%–0.20% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Maintenance Service Charge waived when daily balance is over $500. If daily balance is $10 or more but less than $2,500, the interest rate paid will be that of NOW Account. Minimum balance to open is $10,000.00. Seven days notice of intent to withdraw funds may be required.
Offer: Balance $10.00 but less than $2,500.00 earns NOW Account rate. APY is based on interest compounding monthly. Rates may change after the account is opened. Must maintain minimum daily balance to obtain stated APY.
0.03% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Tiered Rate Money Market Balance APY Up to $2,500 0.03% $2,500 – $10,000 0.10% $10,000 and upYour amount 0.20% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Waive monthly fee with $250 avg. monthly balance OR if you've notified us that you're 18 or younger or 65 or older.
Offer: Minimum opening deposit of $1. The minimum balance to earn the APY is $10. Fees may reduce earnings.
0.15% interest rate · $5 monthly fee
Rate checked
More details - Webster First Federal Credit UnionMoney MarketMoney Market · $5 min · 0.10%–0.15% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Available in Central and Eastern Massachusetts. Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member to open. No monthly maintenance fees.
0.10% interest rate · No monthly fee · Effective May 18, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.10% $1,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.15% $50,000 – $100,000 0.15% $100,000 – $250,000 0.15% $250,000 – $500,000 0.15% $500,000 and up 0.15% 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 statements to track transactions; iBanking & ATM accessible.
0.10% interest rate · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Rates are variable. Dividend period is monthly.
0.10% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Rates are variable. Dividend period is monthly.
0.10% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Represents ownership share in the Credit Union. No monthly maintenance fee with at least one other Harvard FCU loan or deposit account, or a $500 balance; otherwise a $2.50 monthly fee applies.
Offer: Monthly fee waived with at least one other Harvard FCU loan or deposit account, or average monthly balance over $500. Minimum daily balance of $10.00 required to earn APY.
0.10% interest rate · $2.50 monthly fee · Effective Oct 1, 2026
Rate checked
More details - North Cambridge Co-Operative BankMoney Market Deposit AccountMoney Market Deposit Account · $2,500 min · 0.03%–0.10% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Maintenance Service Charge waived when daily balance is over $500. If daily balance is $10 or more but less than $2,500, the interest rate paid will be that of NOW Account. Minimum balance to open is $2,500.00. Seven days notice of intent to withdraw funds may be required.
Offer: Balance $10.00 but less than $2,500.00 earns NOW Account rate. APY is based on interest compounding monthly. Rates may change after the account is opened. Must maintain minimum daily balance to obtain stated APY.
0.03% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Deposit Account Balance APY Up to $2,500 0.03% $2,500 and upYour amount 0.10% Rate checked
More details - East Cambridge Savings BankEast Cambridge Statement SavingsSavings · $10 min · 0.00%–0.10% by balance
Bank · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Maintain a $10 average monthly balance to waive the $1 monthly maintenance fee. Eligible to link to a checking account for overdraft protection. Variable rate account; interest rates may change after account opening.
Offer: Maintain a $10 average monthly balance to waive the $1 monthly maintenance fee.
$1 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for East Cambridge Statement Savings Balance APY Up to $10 0.00% $10 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
Offer: Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.
Compounded daily · Balance cap $1,000,000 · No 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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