Compare Bank & Credit Union Rates
Best savings rates in Chelmsford, 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 Chelmsford, MA
- 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Requires having a Beacon Bank checking account with an ownership relationship. Variable premium interest rate. Fees may reduce earnings.
Offer: Variable premium interest rate subject to change without notice. Requires an ownership relationship on a Beacon Bank checking account.
Qualified rate · Effective Sep 18, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must be paired/opened with an Advantage High Interest or Advantage Cash Back checking account. Workers Federal Credit Union membership required ($5 minimum balance). No recurring monthly maintenance charges or fees to open or close account. Limit of one Advantage checking account per social security number.
Offer: Qualifying rate earned when linked Advantage Checking qualifications are met during Monthly Qualification Cycle (at least 1 Direct Deposit/ACH credit or debit, at least 15 debit card purchases, and eStatements enrollment). Applies to daily balances up to $100,000.
Qualified rate · 2.96% interest rate · Balance cap $100,000 · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - Workers Credit UnionPlanIt+ Savings AccountSavings · $0 min · 2.10%–3.50% by balance
Credit union · 1 branch
2.10%APY$210 a year on $10,000with conditionsRequirements
Product: For members with a minimum of $100,000 aggregate in qualifying deposit accounts. Must have an active PlanIt+ Checking account as tax reported owner. Workers Federal Credit Union membership required ($5 minimum balance). Higher APYs are earned monthly based on the balance in the account disclosed for each dividend tier.
Offer: Must have a PlanIt+ Checking account. Tier 1 rate applies to daily balances $0.00-$49,999.99.
Qualified rate · 2.08% interest rate
Rate by balance
Rate by balance for PlanIt+ Savings Account Balance APY Up to $50,000Your amount 2.10% $50,000 – $100,000 2.10% $100,000 – $250,000 3.15% $250,000 and up 3.50% Rate checked
More details - 2.10%APY$210 a year on $10,000
Requirements
Product: Workers Federal Credit Union membership required; minimum balance to open membership account is $5. No monthly service charge.
Offer: Must maintain a minimum daily balance of $5 each day to obtain the disclosed APY.
2.08% interest rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Offer: Monthly service charge waived with $500.00 minimum balance.
1.24% interest rate · $10 monthly fee · Effective Sep 21, 2026
Rate checked
More details - Jeanne D'Arc Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.50%–0.65% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Requires a $5.00 Membership Account. Requires a $1,000 minimum balance to open and a minimum daily balance of $1,000 each day to obtain the disclosed APY.
Offer: Must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed APY. Requires a $5.00 Membership Account.
0.50% interest rate · No monthly fee · Effective Mar 31, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.55% $25,000 – $50,000 0.55% $50,000 – $100,000 0.60% $100,000 and up 0.65% Rate checked
More details - Rockland TrustRockland Complete Money MarketRockland Complete Money Market · $250 min · 0.10%–1.00% by balance
Bank · 2 branches
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 · 2 branches
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 - 0.05%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 $10,000with conditions
Requirements
Product: Must be paired/opened with an Advantage High Interest or Advantage Cash Back checking account. Workers Federal Credit Union membership required ($5 minimum balance). No recurring monthly maintenance charges or fees to open or close account. Limit of one Advantage checking account per social security number.
Offer: Base rate earned on entire daily balance when linked Advantage Checking qualifications are not met during Monthly Qualification Cycle.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - Workers Credit UnionSignature Money MarketSignature Money Market · $1,000 min · 0.05%–3.85% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Subject to membership eligibility. Workers Federal Credit Union membership required ($5 minimum balance to open membership account). Minimum $1,000 deposit to open. No monthly maintenance fees. Up to six convenient debit transactions/withdrawals/transfers per month. Variable-rate tiered account.
Offer: Tier 1 rate applies to average daily balance from $0.00 through $14,999.99.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Signature Money Market Balance APY Up to $15,000Your amount 0.05% $15,000 and upPrime Rate less 3.22%). 3.85% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Workers Federal Credit Union membership required; minimum balance to open membership account is $5, which will be held until account termination. Open as basic membership account or secondary account.
Offer: Minimum $50 balance to earn APY.
0.05% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Link with a Lowell Five Checking account to cover overdrafts. Fees could reduce earnings. Account rate is variable and is subject to change at any time.
Offer: Variable rate. Link with a Lowell Five Checking account to cover overdrafts. Fees could reduce earnings.
Qualified rate · Effective Sep 15, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Free eStatements ($10/month for paper statements). No early withdrawal penalties. Fees could reduce earnings. Account rate is variable and is subject to change at any time.
Offer: Free eStatements; $10/month fee for paper statements. Variable rate. Fees could reduce earnings.
No monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $50,000Your amount 0.05% $50,000 and up 3.00% 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 Chelmsford, MA
34 accounts at 11 banks and credit unions · checked Oct 5–22
- Typical
- 0.05%
- Top 10% from
- 1.85%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.05%
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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