Compare Bank & Credit Union Rates
Best savings rates in Lowell, 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 Lowell, 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 - Salem Five BankGold Star Money Market Special OfferGold Star Money Market Special Offer · $10 min
Bank · 1 branch
3.30%APY$330 a year on $10,000intro rateRequirements
Product: Special offer available for funds not currently on deposit at Salem Five. Maximum deposit amount is $1,000,000 per account and one account per customer. Only residents of the following communities qualify: Amesbury, Ipswich, Newbury, Newburyport, Salisbury, Georgetown, and Rowley. Variable rates.
Promotional rate · 3.25% interest rate
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 - 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 - Washington Savings BankHigh Yield Online Money MarketHigh Yield Online Money Market · $10 min
Bank · 1 branch
2.83%APY$283 a year on $10,000Requirements
Product: $10 minimum to open, $500,000 max deposit, no check writing ability
Offer: $10 minimum to open, $500,000 max deposit, no check writing ability
2.75% interest rate · Balance cap $500,000
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 - Lowell Municipal Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Tiered rate structure. Dividends paid monthly. $2,500 minimum deposit required.
Offer: Dividend rate 2.00%. Dividends paid and compounded monthly.
2.00% interest rate · Compounded monthly · Effective Sep 13, 2023
Rate checked
More details - Align Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.25%–1.70% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Requires $2,500 minimum opening deposit. Minimum withdrawal amount is $250. Membership eligibility requirements must be met. No monthly maintenance fees.
Offer: Minimum balance to earn APY is $25. Minimum daily balance of $25.00 required each day to obtain disclosed APY. Minimum withdrawal amount $250.
0.25% interest rate · No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.25% $2,500 – $10,000 0.85% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.15% $50,000 – $100,000 1.35% $100,000 – $250,000 1.50% $250,000 and up 1.70% Rate checked
More details - Align Credit Union18-65 Money Market Account18-65 Money Market Account · $1 min · 0.25%–1.70% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Members must open the 18-65 Savings account and must maintain a credit union membership with a $5 deposit balance. You must notify the credit union of your eligibility. Minimum opening balance of $1. Minimum withdrawal amount of $250. Free basic checks. No monthly maintenance fees.
Offer: Minimum balance to earn APY is $25. Minimum withdrawal amount $250. Must open 18-65 Savings account, maintain $5 deposit balance for membership, and notify credit union of eligibility.
0.25% interest rate · No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for 18-65 Money Market Account Balance APY Up to $2,500 0.25% $2,500 – $10,000 0.85% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.15% $50,000 – $100,000 1.35% $100,000 – $250,000 1.50% $250,000 and up 1.70% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Personal accounts only. Monthly maintenance fee is waived if balance stays at or above $500 each day of the monthly cycle, if the account owner is under age 26, if enrolled in Debit Card Round Up with at least one qualifying credit posted during the cycle, or for the first month for new account openings.
Offer: Minimum balance of $10 to open and obtain APY. Variable interest rate compounded monthly, credited monthly, and calculated using the daily balance method. Rate may change after account opening.
1.00% interest rate · Compounded monthly
Rate checked
More details - Mills42 Federal Credit UnionSuper SaverSavings · $2,500 min · 0.50%–1.10% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Minimum daily balance required to avoid a service fee. Dividends compounded and credited monthly based on average daily balance. Member eligibility is required.
Offer: Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate.
0.50% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Super Saver Balance APY $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 0.65% $25,000 – $49,999 0.80% $50,000 – $99,999 0.95% $100,000 and up 1.10% Rate checked
More details - Jeanne D'Arc Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.50%–0.65% by balance
Credit union · 2 branches
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 - Salem Five BankClassic Five Money MarketClassic Five Money Market · $10 min · 0.10%–2.40% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Monthly maintenance fee waived for the first month for new account openings, or if balance is at least $500, or if enrolled in Debit Card Round Up Program with at least one Debit Card Round Up credit post per monthly cycle. Offer available for funds not currently on deposit. Maximum deposit limit $1,000,000 per account and one account per customer. Personal accounts only. Variable rates.
0.10% interest rate
Rate by balance
Rate by balance for Classic Five Money Market Balance APY Up to $5,000 0.10% $5,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 1.00% $50,000 – $75,000 2.40% $75,000 – $100,000 2.40% $100,000 and up 2.40% 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
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 Lowell, MA
55 accounts at 16 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.10%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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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