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 511–525 results in Massachusetts
- 0.05%APY$5 a year on $10,000
0.05% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - The Savings BankConsumer Money MarketConsumer Money Market · $2,500 min · 0.01%–1.01% by balance
Bank · 8 branches
0.05%APY$5 a year on $10,000Requirements
Product: No interest is accrued on any day that the balance is less than $10.00. Monthly Service Fee of $15.00 is waived if a daily balance of $2,500 is maintained.
Offer: Tier 1. Fee waived if daily balance of $2,500 is maintained.
0.01% interest rate · $15 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Consumer Money Market Balance APY Up to $2,500 0.01% $2,500 – $10,000Tier 2. 0.03% $10,000 – $25,000Your amountTier 3. 0.05% $25,000 – $50,000Tier 4. 0.10% $50,000 – $100,000Tier 5. 0.15% $100,000 – $250,000Tier 6. 0.30% $250,000 – $500,000Tier 7. 0.50% $500,000 – $1,000,000Tier 8. 0.75% $1,000,000 and upTier 9. 1.01% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Low minimum balance ($5). No monthly fees.
Offer: Minimum opening balance required to earn APY is $5. No monthly fees.
0.05% interest rate · No monthly fee · Effective Jan 6, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Notify bank if 65 years of age or older, or 18 years of age or younger; may be eligible for a waiver or reduction of certain account fees or charges.
Offer: Variable rate account; interest rate and APY may change at any time after account is opened.
No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000intro rate
Requirements
Offer: Variable rate account; interest rate and APY may change at any time after account is opened.
Promotional rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $10 daily balance required to obtain APY. $2,500 minimum deposit to open. $10 monthly service charge waived if daily balance at least $2,500.
Offer: Tier 1: $10-$24,999.99 balance.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.05% $25,000 – $50,000 0.10% $50,000 – $100,000 0.10% $100,000 and up 0.15% Rate checked
More details - Lowell Five BankPremier Money MarketPremier Money Market · $10 min · 0.05%–0.50% by balance
Bank · 13 branches
0.05%APY$5 a year on $10,000Requirements
Product: Account rate is variable and is subject to change at any time. Entire balance earns interest rate and APY for the selected tier. Up to six withdrawals per month via ATM, checks, or debit card transactions. Minimum balance of $2,500.00 is required to avoid $5.00 monthly fee.
Offer: Minimum balance of $2,500.00 is required to avoid $5.00 monthly fee. Entire balance earns interest rate and APY for the selected tier.
$5 monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $100,000Your amount 0.05% $100,000 – $250,000 0.15% $250,000 – $500,000 0.25% $500,000 – $750,000 0.35% $750,000 and up 0.50% Rate checked
More details - First Citizens BankMoney Market AccountMoney Market Account · $500 min · 0.05%–0.15% by balance
Bank · 5 branches
0.05%APY$5 a year on $10,000Requirements
Product: Interest rates for money market savings accounts may vary depending on your area.
Offer: Maintain a $1,000 daily balance to avoid a $10 maintenance fee.
$10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.05% $1,000 – $9,999 0.05% $10,000 – $24,999Your amount 0.05% $25,000 – $49,999 0.07% $50,000 – $99,999 0.07% $100,000 – $499,999 0.10% $500,000 and up 0.15% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
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: Earned on all balances if monthly qualifications on linked checking account are not met.
Qualified rate · 0.05% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Variable rate account where interest rate and APY may change at any time. Fees may reduce earnings. Convenient passbook to track your savings. ATM/Debit Card available for 24-hour access.
Offer: Minimum balance to earn the stated APY is $10.00. Variable rate account; interest rate and APY may change at any time. Fees may reduce earnings.
0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Variable rate account where interest rate and APY may change at any time. Fees may reduce earnings. Easy-to-read statement once a month. ATM/Debit Card available for 24-hour access.
Offer: Minimum balance to earn the stated APY is $10.00. Variable rate account; interest rate and APY may change at any time. Fees may reduce earnings.
0.05% interest rate
Rate checked
More details - Worcester Credit UnionVIP Money MarketVIP Money Market · $1 min · 0.05%–3.00% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Must have a Worcester Credit Union checking account and receive at least one direct deposit of $500 or greater monthly. If not met for two consecutive dividend periods, account converts to regular Money Market.
Qualified rate · 0.05% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for VIP Money Market Balance APY Up to $15,000Your amount 0.05% $15,000 – $50,000 1.25% $50,000 – $100,000 1.75% $100,000 – $250,000 2.25% $250,000 – $500,000 3.00% $500,000 and up 0.05% Rate checked
More details - Worcester Credit UnionMoney Market AccountMoney Market Account · $1 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Maintain a $2,000 minimum balance to waive the $5 monthly service charge. $1.00 minimum deposit to open.
Offer: Maintain a $2,000 minimum balance to waive the $5 monthly service charge.
0.05% interest rate · $5 monthly fee · Effective Sep 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $20,000Your amount 0.05% $20,000 – $50,000 0.05% $50,000 – $100,000 0.10% $100,000 and up 0.10% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes membership with Worcester Credit Union with a $5 share.
Offer: Earns competitive dividends on entire balance; minimum balance of $5 membership share.
0.05% interest rate · No monthly fee · Effective Sep 16, 2026
Rate checked
More details - Polish National Credit UnionPerks Savings AccountSavings · $25 min · 0.05%–1.00% by balance
Credit union · 8 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Must have a PNCU Perks Checking account to obtain disclosed rates; if not, interest is calculated using the Statement Savings account rate. Only one Perks Savings account allowed per Tax ID. Tiered interest rates apply. Interest compounds daily and credits monthly. Minimum opening deposit is $25.00. Membership required. Fees may reduce earnings.
Offer: Requires PNCU Perks Checking account. Minimum daily balance of $10.00 required each day to obtain APY. Dividend/interest rate is 0.98%.
Qualified rate · 0.98% interest rate · Effective Dec 8, 2025
Rate by balance
Rate by balance for Perks Savings Account Balance APY Up to $1,000 1.00% $1,000 – $2,000Dividend/interest rate is 0.49%. Disclosed APY is a blended range of 1.00% - 0.75%. 0.49%* $2,000 – $3,000Dividend/interest rate is 0.25%. Disclosed APY is a blended range of 0.75% - 0.58%. 0.25%* Over $3,000Your amountDividend/interest rate is 0.05% (stated as 0.10% on p14). Disclosed APY is a blended range of 0.58% - 0.05% (0.58%-0.10% on p14). 0.05%* 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
620 accounts at 196 banks and credit unions · checked Oct 22–24
- 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