Compare Bank & Credit Union Rates
Best savings rates in Massachusetts
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 196–210 results in Massachusetts
- First Responders Credit UnionReal Estate Suspense Share AccountSavings · $5 min
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are compounded and credited monthly and paid on any amount on deposit. Membership eligibility required.
Offer: Listed under Secondary Share Accounts.
0.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000with conditions
Requirements
Product: Only one Service+ Savings account may be established under a primary member social security number. Must maintain qualifying direct deposit (electronic transfer of funds from outside sources, online/mobile check deposits, or P2P payments like Zelle totaling at least $500 in a calendar month) into a checking account under the same membership profile, maintain par value share in primary savings, and have no charged-off share or loan accounts. Without qualifying direct deposit, the entire balance receives 0.25% APY / 0.250% dividend rate.
Offer: Standard rate applied to entire balance without qualifying direct deposit into checking.
Qualified rate · 0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 23, 2026
Rate checked
More details - Marblehead BankMoney Market AccountsMoney Market Accounts · $10 min · 0.25%–2.00% by balance
Bank · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Variable rate compounded monthly; rates may change after account is opened; fees could reduce earnings.
Offer: Tier $0.01 – $9,999.99
0.25% interest rate · Compounded monthly · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.25% $50,000 – $75,000 0.35% $75,000 – $100,000 0.50% $100,000 – $250,000 1.25% $250,000 – $500,000 1.50% $500,000 – $1,000,000 1.75% $1,000,000 and up 2.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: All members must maintain $25.00 in their primary share account. Dividends are paid to share accounts monthly.
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Compounded and credited monthly. Monthly maintenance fee imposed if average daily balance falls below $2,500 any day of cycle. Maximum of 6 transfers/electronic payments per monthly statement cycle.
Offer: Min balance to earn interest is $50.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.10% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.40% $100,000 – $250,000 0.40% $250,000 – $1,000,000 0.40% $1,000,000 – $3,000,000 0.40% $3,000,000 and up 0.30% Rate checked
More details - Harvard Federal Credit UnionMoney MarketMoney Market · $1,500 min · 0.10%–0.65% by balance
Credit union · 6 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 - Mechanics Cooperative BankPremier Choice SavingsSavings · $10 min · 0.00%–3.00% by balance
Bank · 9 branches
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Must be linked to/maintain a Premier Choice Checking account ($25 min to open; $5,000 min balance to avoid $27 monthly service fee). $5.00 monthly service fee waived if $200 daily balance is maintained.
Offer: Requires Premier Choice Checking account. Monthly fee waived with $200.00 daily balance.
Qualified rate · 0.00% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Premier Choice Savings Balance APY Up to $100 0.00% $100 – $10,000 0.10% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.70% $50,000 – $100,000 1.25% $100,000 and up 3.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Requires a minimum balance of $10.00 (one share) to maintain credit union membership. Dividends compounded monthly.
Offer: Dividends compounded monthly; requires minimum balance of $10.00.
0.25% interest rate · Compounded monthly · Effective Sep 8, 2025
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary account for all members; membership requires maintaining a regular share account with a balance of $5.00. Statements mailed quarterly.
Offer: Rates are variable and subject to change. Dividends are paid on the last day of each month and calculated using daily balance. A $25.00 minimum balance must be maintained to accrue interest. Fees may reduce earnings.
0.25% interest rate · Effective Oct 16, 2025
Rate checked
More details - Attleboro FCUMoney Market AccountMoney Market Account · $2,500 min · 0.25%–1.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Requires proof of new or existing membership and unexpired government-issued photo ID. Card access is not available to this account. Minimum deposit or withdrawal amount is $100.00. Interest is compounded and credited monthly.
Offer: Tier 1 balance tier. Minimum balance of $2,500.00 is required to maintain account and earn APY. Interest compounded and paid monthly.
0.25% interest rate · Effective Dec 1, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 0.25% $25,000 – $50,000Tier 2 balance tier. 0.50% $50,000 – $75,000Tier 3 balance tier. 1.00% $75,000 and upTier 4 balance tier. 1.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Avoid the $1 monthly service charge by maintaining a $10 minimum balance. Fee waiver available for customers 18 or under or 65 or older.
Offer: A minimum balance of $10.00 is required to open and avoid a $1 monthly service charge.
0.25% interest rate · $1 monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Available exclusively to NESC Credit Union members. Rate may change after account opening. Funds earn dividends from the first business day of deposit, compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly posting.
Offer: Minimum deposit/balance is listed as N/A. Assumes funds including dividends remain on deposit for 365 days.
0.25% interest rate · Compounded daily
Rate checked
More details - Saint Michaels Federal Credit UnionMMSA (Money Market Shares)MMSA (Money Market Shares) · $2,500 min · 0.05%–0.25% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Dividends credited monthly. Balances below $2,500.00 earn .05%.
Offer: Balances below $2,500.00 earn .05%.
0.05% interest rate
Rate by balance
Rate by balance for MMSA (Money Market Shares) Balance APY Up to $2,500 0.05%* $2,500 and upYour amount 0.25% Rate checked
More details - Taunton Federal Credit UnionMoney Market AccountsMoney Market Accounts · 0.20%–0.80% by balance
Credit union · 7 branches
0.20%APY$20 a year on $10,000Requirements
Product: Membership is established by opening a $5 share/savings account and is available to anyone who lives, works, worships or attends school in Bristol County, Plymouth County & Barnstable County in Massachusetts; Bristol, Kent, Newport and Providence counties in Rhode Island; and the Rhode Island towns of Charlestown, Exeter, Hopkinton, Narragansett, New Shoreham, North Kingstown, Richmond and South Kingstown. If the average daily balance falls below the minimum balance required within any Tier, the rate given will be the rate then in effect for the current balance in the account. Fees may reduce earnings.
Offer: Tier I. If average daily balance falls below minimum balance required within any Tier, the rate given will be the rate then in effect for current balance. Fees may reduce earnings.
0.20% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $25,000Your amount 0.20% $25,000 – $50,000Tier II. 0.30% $50,000 – $100,000Tier III. 0.50% $100,000 – $250,000Tier IV. 0.80% Over $250,000 0.80% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Massachusetts
620 accounts at 196 banks and credit unions · checked Oct 22
- Typical
- 0.10%
- Top 10% from
- 2.41%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.10%
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Massachusetts
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 14 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches