Compare Bank & Credit Union Rates
Best savings rates in Waltham, 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 Waltham, 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 - East Cambridge Savings BankEast Cambridge Money MarketEast Cambridge Money Market · $25 min
Bank · 1 branch
3.50%APY$350 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: Monthly qualifications met (25 Point-of-Sale transactions, 1 External Withdrawal posted and settled to linked East Cambridge Checking account during the month, and eStatements on account). Includes ATM rebates up to $20.00 for foreign bank ATM surcharges (capped at $5.00 per individual charge) and up to $10.00 in ECSB Foreign ATM charges.
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Oct 4, 2026
Rate checked
More details - 3.35%APY$335 a year on $10,000
Requirements
Product: Personal deposits of Massachusetts residents only. Must be opened with new funds not currently on deposit with East Cambridge Savings Bank, and future deposits must be from outside funds. One account per household. Variable rate account; rates may change after account opening. Deposit accounts fully insured by FDIC and DIF.
Offer: Daily balances up to and including $1,000,000.00 earn 3.35% APY. Must be opened with new funds; Massachusetts residents only; one account per household.
Balance cap $1,000,000 · No monthly fee · Effective Oct 4, 2026
Rate checked
More details - BrightBridge Credit UnionBridgeBuilder High Yield Savings AccountSavings · $5,000 min
Credit union · 1 branch
3.30%APY$330 a year on $10,000intro rateRequirements
Product: Available for new accounts with funds not currently held on deposit in a BrightBridge Credit Union account. No monthly maintenance fee.
Offer: Available for funds not currently on deposit with BrightBridge Credit Union.
Promotional rate · 3.25% interest rate · No monthly fee · Effective Oct 5, 2026
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 - 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 - BrightBridge Credit UnionHigh Yield SavingsSavings · $10,000 min · 2.00%–2.85% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: No monthly maintenance fee. Minimum opening balance is $10,000. Rates subject to change after opening.
1.98% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $50,000Your amount 2.00% $50,000 and up 2.85% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Higher rates earn when linked checking account meets monthly qualifications: 12 POS debit card purchases, at least 1 automatic payment/direct deposit/bill pay, and enrollment in e-statements.
Offer: Applies to average daily balances up to $25,000 when linked Kasasa checking account qualification requirements are met.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Oct 5, 2026
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 - BrightBridge Credit UnionMoney Market AccountsMoney Market Accounts · $25 min · 0.25%–3.40% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Balance determines rate tier. Minimum $2,500 required to avoid a service fee. Rates subject to change daily.
Offer: Tier 1: $0.00-$2,499.99.
0.25% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $2,500 0.25% $2,500 – $25,000Your amount 0.25% $25,000 – $50,000 0.50% $50,000 – $100,000 0.75% $100,000 – $250,000 1.00% $250,000 – $1,000,000 1.50% $1,000,000 and up 3.40% Rate checked
More details - The Village BankVillage Money Market AccountVillage Money Market Account · $20 min · 0.25%–2.75% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Rates may change after account is opened. A penalty may be assessed for early withdrawals. Accounts are subject to approval.
Offer: Minimum balance to obtain APY is $0.
0.25% interest rate · No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Village Money Market Account Balance APY Up to $25,000Your amount 0.25% $25,000 – $75,000 0.75% $75,000 – $150,000 1.00% $150,000 – $500,000 1.50% $500,000 and up 2.75% 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Assumes dividends remain on deposit for 365 days. Rates subject to change daily and may change after the account is opened.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Assumes dividends remain on deposit for 365 days. Rates subject to change daily and may change after the account is opened.
0.10% interest rate · Effective Oct 5, 2026
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 Waltham, MA
39 accounts at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 3.22%
- 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