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 106–120 results in Massachusetts
- 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must have a linked Kasasa Cash or Kasasa Cash Back checking account. Limit of one account per SSN. Membership restrictions apply.
Offer: When linked Kasasa Cash or Kasasa Cash Back checking qualifications are met (at least 12 debit card purchases, log into online banking once per cycle, receive eStatements).
Qualified rate · 0.99% interest rate · Balance cap $100,000 · No monthly fee · Effective Oct 5, 2026
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 - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must be linked to a free Kasasa Cash Back checking account (or Kasasa Cash checking account). Rewards earned automatically post/transfer to Kasasa Saver. Limit of 2 Kasasa Saver with Cash Back per tax identification number. Personal accounts only. Requires a one-time dividend-earning deposit of $5 in a prime savings account. Free online banking, mobile banking, eStatements, and debit/ATM card available with no annual fee. No monthly service fee. $5 minimum deposit to open.
Offer: When qualifications are met on linked Kasasa Cash Back/Cash account.
Qualified rate · 1.00% interest rate · Balance cap $25,000 · No monthly fee
Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must be linked to a free Kasasa Cash checking account. Limit of 2 Kasasa Saver with Cash per tax identification number. Personal accounts only. Requires a one-time dividend-earning deposit of $5 in a prime savings account. Free online banking, mobile banking, eStatements, and debit/ATM card available with no annual fee. No monthly service fee. $5 minimum deposit to open.
Offer: When qualifications are met on linked Kasasa Cash account (at least 1 direct deposit or automatic payment ACH, at least 12 debit card transactions post and settle, and enrollment in online banking and eStatements).
Qualified rate · 1.00% interest rate · Balance cap $25,000 · No monthly fee
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Variable rate account. Rate may change after account is opened.
Offer: Variable rate account. Rate may change after account is opened. Minimum daily balance to obtain APY is $10.00.
1.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000intro rate
Requirements
Product: Variable rate account. Rate may change after account is opened.
Offer: Variable rate account. Rate may change after account is opened. Minimum daily balance to obtain APY is $10.00.
Promotional rate · 1.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Align Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.25%–1.70% by balance
Credit union · 5 branches
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 · 5 branches
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 - Tremont Credit UnionFree Kasasa SaverSavings · $25 min · 0.40%–1.00% by balance
Credit union · 4 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking. Limit 1 account per SSN/ITIN. Requires Tremont CU Regular Savings Account open and maintained with at least $5 balance.
Offer: Qualifications met on linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 1 Direct Deposit, ACH Credit, or ACH Payment transaction; at least 12 debit card purchases; enrolled in and receive e-statements.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Sep 30, 2024
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $25,000Your amount 1.00% $25,000 and upQualifications met on linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle. 0.40% Rate checked
More details - South Shore BankHigh-Yield Money MarketHigh-Yield Money Market · $10 min · 0.01%–2.00% by balance
Bank · 13 branches
1.00%APY$100 a year on $10,000Requirements
Product: $10 minimum deposit to open. Tiered interest rates based on balance. Certain products are available to open online; products not available online can be opened in branches.
Offer: Minimum daily balance to earn APY is $0 - < $2,500.
Effective Oct 5, 2026
Rate by balance
Rate by balance for High-Yield Money Market Balance APY Up to $2,500 0.01% $2,500 – $25,000Your amount 1.00% $25,000 – $50,000 1.75% $50,000 – $100,000 1.75% $100,000 – $1,000,000 2.00% $1,000,000 and up 2.00% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Make the most of of your Elite Reward Checking Account by pairing it with an Elite Companion Savings Account. No minimum balance and no monthly service charges.
Offer: Compounds Monthly. Must have a BankGloucester Elite Reward Checking account to open. Rates may change after the account is opened. Fees could reduce earnings.
Qualified rate · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - UniBankTiered Rate Money Market AccountTiered Rate Money Market Account · $10 min · 0.10%–1.60% by balance
Bank · 15 branches
1.00%APY$100 a year on $10,000Requirements
Product: Personal accounts only.
0.10% interest rate
Rate by balance
Rate by balance for Tiered Rate Money Market Account Balance APY Up to $2,500 0.10% $2,500 – $50,000Your amount 1.00% $50,000 – $100,000 1.25% $100,000 and up 1.60% Rate checked
More details - Transportation Federal Credit UnionMomentum SavingsSavings · 0.50%–1.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Tiered interest-bearing reward savings account. Must be linked to an Xcelerate High-Yield Checking or Xcelerate CashBack Checking account. Limited to one account per membership. No minimum balance requirement to open or maintain. Dividends credited and compounded monthly.
Offer: Applies to balances $100,000 and under when linked rewards checking meets monthly qualifications (15 debit card purchases, 1 direct deposit/ACH debit or credit transaction, and eStatements).
Qualified rate · 1.00% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Momentum Savings Balance APY Up to $100,000Your amount 1.00% Over $100,000 0.50% Rate checked
More details - Transportation Federal Credit UnionMoney Market Share AccountMoney Market Share Account · $2,500 min · 0.75%–1.15% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Requires a $2,500 minimum deposit to open and maintain; balances falling below $2,500 may be transferred to Share Savings. Dividends are compounded and paid monthly using the daily balance method. Up to 3 minimum $500 withdrawals permitted.
Offer: Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance of $2,500 required to earn APY.
0.75% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for Money Market Share Account Balance APY $2,500 – $9,999 0.75% $10,000 – $19,999Your amountMinimum balance required to earn APY. 1.00% $20,000 – $49,999Minimum balance required to earn APY. 1.10% $50,000 and upMinimum balance required to earn APY. 1.15% 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
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 Massachusetts
619 accounts at 196 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.48%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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