Compare Bank & Credit Union Rates
Best savings rates in Needham, 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 Needham, MA
- 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 - Direct Federal Credit UnionHigh-Yield SavingsSavings · $0 min · 0.00%–3.50% by balance
Credit union · 1 branch
3.30%APY$330 a year on $10,000with conditionsRequirements
Product: New money only (no internal transfers from an existing Direct Federal Credit Union account). Minimum daily balance of $5,000 required to earn stated APY. APY assumes account is paired with an active Direct Advantage Checking; without Direct Advantage Checking, APY is 0.10% lower. Rates are variable.
Offer: If the daily balance falls below $5,000 on any day during the month, no dividends are paid for that dividend period.
Qualified rate · 0.00% interest rate · No monthly fee · Effective Feb 4, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $5,000 0.00% $5,000 – $50,000Your amountAssumes paired with an active Direct Advantage Checking account; without it APY is 0.10% lower. New money only. 3.30% $50,000 and upAssumes paired with an active Direct Advantage Checking account; without it APY is 0.10% lower. New money only. 3.50% Rate checked
More details - 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 - Needham BankPremium Money MarketPremium Money Market · $250 min · 3.00%–3.50% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Personal accounts only. Pair with Premium Checking for tier rates; accounts without Premium Checking earn 0.05% APY regardless of balance. No monthly maintenance fees. $250 minimum opening deposit.
Offer: Requires linked Premium Checking Account.
Qualified rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $25,000Your amount 3.00% $25,000 – $50,000 3.25% $50,000 and up 3.50% Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Personal accounts only. Must be opened with a minimum of $5,000 in new funds not already on deposit with Fidelity Bank. Monthly maintenance fee of $5 is waived by maintaining a minimum $5,000 daily balance.
Offer: Requires minimum $5,000 opening deposit in new funds not already on deposit with Fidelity Bank. Minimum daily balance of $10 to earn stated APY. $5 monthly fee waived with minimum $5,000 daily balance.
$5 monthly fee · Effective Sep 29, 2026
Rate checked
More details - 1.45%APY$145 a year on $10,000
Requirements
Product: Variable rate account; rates and APYs are subject to change without notice after opening. Interest compounds. Withdrawals require presentation of the passbook.
1.44% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 1.45%APY$145 a year on $10,000intro rate
Requirements
Product: Variable rate account; rates and APYs are subject to change without notice after opening. Interest compounds.
Promotional rate · 1.44% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 1.45%APY$145 a year on $10,000
Requirements
Product: All accounts subject to approval. Four interest rate tier options available.
Offer: All accounts subject to approval. Four interest rate tier options available.
No monthly fee
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 - Dedham SavingsPreferred Money Market AccountPreferred Money Market Account · $10 min · 0.05%–0.50% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000intro rateRequirements
Product: Rate may change after account is opened. Minimum deposit of $10 required to open account. Maximum deposit of $2,000,000. Offer available for funds not currently on deposit at Dedham Savings. Limited time offer.
Offer: Minimum daily balance to earn APY is $10. Offer available for funds not currently on deposit at Dedham Savings. Rate may change after account is opened. Limited time offer.
Promotional rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Preferred Money Market Account Balance APY Up to $9,999 0.05% $10,000 – $20,000,000Your amountMaximum deposit of $2,000,000 in new funds not currently on deposit at Dedham Savings. 0.50% Rate checked
More details - Needham BankSuper Saver Money MarketSuper Saver Money Market · $250 min · 0.50%–3.50% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Personal accounts only. Needham Bank personal checking account required. Available to new customers or existing customers who deposit $10,000 or more in new-to-Needham Bank funds. If qualifications are not met within 60 days of account opening, account may be converted to standard Money Market Account. No monthly maintenance fees. Minimum opening deposit $250.
Offer: Requires Needham Bank personal checking account and new customer status or $10,000+ new-to-bank funds.
Qualified rate · No monthly fee · Effective Jan 29, 2026
Rate by balance
Rate by balance for Super Saver Money Market Balance APY Up to $24,999Your amount 0.50% $25,000 – $49,999 2.00% $50,000 and up 3.50% 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 · 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
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 Needham, MA
47 accounts at 14 banks and credit unions · checked Oct 5–22
- Typical
- 0.05%
- Top 10% from
- 1.97%
- 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