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 91–105 results in Massachusetts
- 1.50%APY$150 a year on $10,000with conditions
Requirements
Product: Must be paired with Free Kasasa Cash Checking or Free Kasasa Cash Back Checking. Limit 1 account per SSN. To earn qualifying rates, monthly qualification cycle requirements must be met on paired checking account (at least 12 debit card purchases post and settle, at least 1 direct deposit or ACH post and settle, and enrollment in eStatements).
Offer: Applies to entire balance if paired checking qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Any balance 0.05% Up to $25,000Your amount 1.50% Over $25,000 0.50% Rate checked
More details - Freedom Credit UnionPremium Money Market AccountPremium Money Market Account · $5,000 min · 0.00%–3.15% by balance
Credit union · 9 branches
1.45%APY$145 a year on $10,000Requirements
Product: Minimum balance of $5,000 required to open and to earn advertised APY. No monthly maintenance fee.
Offer: Balance tier $0–$4,999.99
0.00% interest rate · No monthly fee · Effective Sep 16, 2026
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $5,000 0.00% $5,000 – $25,000Your amount 1.45% $25,000 – $50,000 1.75% $50,000 – $100,000 2.00% $100,000 – $500,000 2.65% $500,000 – $1,000,000 3.15% $1,000,000 – $1,000,000,000 3.15% 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 - Holyoke Credit UnionSelect Money Market AccountSelect Money Market Account · $10 min · 0.10%–1.97% by balance
Credit union · 3 branches
1.36%APY$136 a year on $10,000Requirements
Product: Tiered-rate account offering higher interest on higher balances. Rate may change after account opening.
Offer: Rate may change after account opening.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Select Money Market Account Balance APY Over $0 0.10% $2,500 and upYour amount 1.36% $25,000 and up 1.66% $75,000 and up 1.97% Rate checked
More details - St. Jean's Credit UnionSuper Money MarketSuper Money Market · $10,000 min · 1.25%–1.75% by balance
Credit union · 5 branches
1.25%APY$125 a year on $10,000Requirements
Product: If the average daily balance for a statement period falls below $2,500, the dividend for that statement period will be calculated using the applicable regular savings rate. If the average daily balance for a statement period falls below $10,000, the dividend for that statement period will be calculated using the applicable regular money market account rate. Limited check writing access.
Offer: Minimum deposit to earn rate is $10,000.
1.24% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Super Money Market Balance APY $10,000 – $50,000Your amount 1.25% $50,000 – $100,000Minimum deposit to earn rate is $50,000. 1.50% $100,000 and upMinimum deposit to earn rate is $100,000. 1.75% Rate checked
More details - Newburyport BankHarbor Money MarketHarbor Money Market · $1,000 min · 0.00%–3.50% by balance
Bank · 6 branches
1.25%APY$125 a year on $10,000Requirements
Product: The minimum balance to open an account is $1,000.00. The minimum to earn stated APY is $1,000. A minimum balance fee of $10 will be imposed every statement cycle if the statement balance on any day of the cycle falls below $1,000. This is a variable rate that is subject to change after the account is opened. OPen at your branch.
Offer: The minimum to earn stated APY is $1,000. A minimum balance fee of $10 will be imposed every statement cycle if the statement balance on any day of the cycle falls below $1,000.
0.00% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Harbor Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.75% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000 2.25% $50,000 – $100,000 2.75% $100,000 – $500,000 3.25% $500,000 – $1,000,000 3.25% $1,000,000 and up 3.50% Rate checked
More details - Southbridge Credit UnionMoney MarketMoney Market · $2,500 min · 0.75%–2.00% by balance
Credit union · 4 branches
1.25%APY$125 a year on $10,000Requirements
Product: The minimum balance required to open and maintain this account is $2,500.00.
0.75% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.75% $2,500 – $10,000 1.00% $10,000 – $50,000Your amount 1.25% $50,000 – $100,000 1.50% $100,000 and up 2.00% Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Offer: Monthly service charge waived with $500.00 minimum balance.
1.24% interest rate · $10 monthly fee · Effective Sep 21, 2026
Rate checked
More details - Hanscom Federal Credit UnionYour Way SavingsSavings · $25 min · 0.20%–2.25% by balance
Credit union · 14 branches
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Your Way Checking required to open Your Way Savings. No monthly service fees or minimum balance. Dividends paid on balances of $0.01 or more. Multi-tiered rate structure with 14 tiers. Balance Boost automatic savings service available to transfer up to $1,500/month to share certificates.
Offer: Your Way Checking required to open Your Way Savings. Monthly dividend period.
Qualified rate · 0.20% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Your Way Savings Balance APY Up to $200 0.20% $200 – $400 0.30% $400 – $750 0.40% $750 – $1,000 0.50% $1,000 – $2,000 0.60% $2,000 – $4,000 0.70% $4,000 – $6,000 0.80% $6,000 – $8,000 0.90% $8,000 – $10,000 1.00% $10,000 – $20,000Your amount 1.25% $20,000 – $30,000 1.50% $30,000 – $50,000 1.75% $50,000 – $100,000 2.00% $100,000 and up 2.25% Rate checked
More details - 1.25%APY$125 a year on $10,000
1.23% interest rate · Effective Sep 25, 2026
Rate checked
More details - Pentucket BankMoney Market AccountMoney Market Account · $10 min · 0.00%–1.31% by balance
Bank · 4 branches
1.16%APY$116 a year on $10,000Requirements
Offer: $10 minimum balance fee waived with $1,000 minimum daily balance; $1,000 minimum daily balance required to obtain APY.
0.00% interest rate · $10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $10,000 1.13% $10,000 – $25,000Your amount 1.16% $25,000 – $50,000 1.16% $50,000 – $100,000 1.21% $100,000 – $500,000 1.21% $500,000 and up 1.31% Rate checked
More details - 1.10%APY$110 a year on $10,000
Requirements
Product: No minimum balance, no monthly fees. Unlimited deposits. Up to 3 free covered withdrawals or transfers per month ($10.00 fee per excess withdrawal/transfer). Variable rate account, rates subject to change.
Offer: Dividends compounded and credited quarterly. Up to 3 covered transactions/transfers per month ($10.00 fee per excess withdrawal/transfer).
1.10% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Central One Federal Credit UnionTiered Money MarketTiered Money Market · $0 min · 1.05%–1.60% by balance
Credit union · 9 branches
1.10%APY$110 a year on $10,000Requirements
Product: Tiered rate account. If balance is within a particular tier, the rate specified for that tier applies to the full balance in the account. No monthly service charge. One free withdrawal/transfer per month ($10.00 fee per excess withdrawal/transfer).
Offer: Tier rate applies to the full balance. Dividends compounded and credited quarterly.
1.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Tiered Money Market Balance APY Up to $10,000 1.05% $10,000 – $50,000Your amount 1.10% $50,000 – $100,000 1.20% $100,000 and up 1.60% 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%
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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