Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Boston, MA-NH metro
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Promotional APYs apply to accounts opened between 9/21/26and 11/30/26 and are guaranteed through 12/31/26; thereafter, APYs may change. To open a new Zeugma Plus relationship, no owner can own or have owned a Leader Bank deposit account within the past 12 months and must deposit at least $1,000 in new funds from outside Leader Bank. Each Zeugma Plus account requires a $10 initial minimum balance, but the minimum aggregate initial balance across both accounts must be at least $1,000. Limit one Zeugma Plus Checking and one Zeugma Plus Savings account per household. Additional terms and conditions may apply.
Offer: Qualifying balances of $250,000 or less only. Accounts meeting the Qualifying Criteria will earn 5.00% APY on savings balances up to $250,000 the following month. To earn promotional APY, fulfill 3 requirements for Zeugma Plus Checking each month: (a) receive at least $1,000 in direct deposits, (b) enroll in eStatements, and (c) complete at least three posted and cleared electronic debit transactions (excluding exempt transactions).
Qualified rate · 4.89% interest rate · Balance cap $250,000 · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Available exclusively to Kasasa Cash or Kasasa Cash Back checking account holders. Requires $10.00 to $25.00 minimum opening deposit. No monthly maintenance fees. Qualifications require at least 12 debit card purchases, enrollment in e-Statements, and online banking log-on per monthly qualification cycle.
Offer: When Kasasa Cash Back account qualifications are met. Daily balances up to $50,000 earn dividend rate of 4.889% (5.00% APY).
Qualified rate · 4.89% interest rate · No monthly fee · Effective Dec 1, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 5.00% $50,000 and upWhen qualifications met during Monthly Qualification Cycle. 1.00% Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Available exclusively to Kasasa Cash or Kasasa Cash Back checking account holders. Requires $10.00 to $25.00 minimum opening deposit. No monthly maintenance fees. Qualifications require at least 12 debit card purchases, enrollment in e-Statements, and online banking log-on per monthly qualification cycle.
Offer: When qualifications met during Monthly Qualification Cycle. Rate on balances up to $50,000.
Qualified rate · Balance cap $50,000 · No monthly fee
Rate checked
More details - 3.85%APY$385 a year on $10,000intro rate
Requirements
Product: Must qualify for and establish membership with Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. No monthly fee. Donation made by Lighthouse Federal Credit Union to the Lighthouse Foundation based on the average balance held in the Lighthouse Premium Savings account.
Offer: New Money Promotion Special Rate. Available on new Lighthouse Premium Savings accounts opened and funded with qualifying new money deposits originating from outside Lighthouse within the prior 30 days. Promotional rate currently applies to all balance tiers. Additional new money deposits permitted through March 31, 2027. Effective as of September 30, 2026.
Promotional rate · 3.78% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000with conditions
Requirements
Product: Available for new checking customers only (no existing or prior personal checking accounts with StonehamBank within previous 12 months). Requires opening companion Optimum Bundle Checking and maintaining monthly requirements: $500+ direct deposit, 5+ debit card POS transactions, and e-statement enrollment.
Offer: Must maintain monthly requirements in companion Optimum Bundle Checking: receive monthly direct deposit of $500+, initiate 5+ POS debit card transactions, and enroll in e-statements. $10 minimum balance required to open and earn stated APY.
Qualified rate · Effective May 1, 2026
Rate checked
More details - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 13 branches
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
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More details - 3.50%APY$350 a year on $10,000intro rate
Requirements
Product: Available to new consumer deposit customers only (not having a consumer deposit account relationship with Avidia Bank for at least the past 6 months). Opening online is available to New England residents. Requires new money. The rate will not drop below 2.50% APY (2.47% rate) anytime before July 4, 2027 for accounts maintaining the daily minimum balance of $5,000. Daily balances of $4,999.99 and below will earn 1.00% APY (1.00% rate). After July 4, 2027, the account will revert to the then current High Yield Savings rate.
Offer: Daily balances of $4,999.99 and below will earn 1.00% APY (1.00% rate). Must be new money.
Promotional rate · 1.00% interest rate · No monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for America 250 Savings Balance APY Up to $5,000 1.00% $5,000 and upYour amount 3.50% Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Requires an attached Smart Rewards Checking account. Limit of one Smart Rewards Savings account per member. No monthly maintenance fees and no minimum balance required.
Offer: Applies to balances up to and including $25,000 when Smart Rewards Checking monthly qualifications (12 debit card purchases posted/settled, access online/mobile banking at least once, e-statements) are met.
Qualified rate · 3.45% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - East Cambridge Savings BankEast Cambridge Money MarketEast Cambridge Money Market · $25 min
Bank · 11 branches
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 - Liberty Bay Credit UnionHigh Yield SavingsSavings · $10,000 min · 0.10%–3.50% by balance
Credit union · 4 branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: No maintenance fees; funds are fully liquid. Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay. Variable rate account; rates can change after the account is opened. Dividends are compounded daily and paid monthly.
Offer: Variable rate account; rates can change after the account is opened. Dividends are compounded daily and paid monthly. Minimum opening deposit is $10,000 of new money.
Promotional rate · 0.10% interest rate · Compounded daily · No monthly fee · Effective Jun 17, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $9,999 0.10% $9,999 – $9,999,999Your amount 3.50% Rate checked
More details - 3.40%APY$340 a year on $10,000
Requirements
Product: True variable rate; dividends calculated and compounded daily, credited monthly on the last calendar day of each month. Minimum balance of $500 is required to earn dividends. No monthly maintenance fees or withdrawal fees.
Offer: $500.00 minimum balance required to earn dividends. Rate may change daily. Term DD/DW.
3.34% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.40%APY$340 a year on $10,000
Requirements
Product: Must be opened with a minimum of $10,000 in new funds not already on deposit with South Shore Bank. Maximum deposit amount of $2,500,000 per household. Note states not accepting new accounts of this type in footnote.
Offer: For balances under $10,000, interest rate of 0.01% with an APY of 0.01% will be paid on the entire balance.
0.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $10,000 0.01% $10,000 – $2,500,000Your amount3.40% APY as of 12/18/2025. 3.40% $2,500,000 and up 0.01% 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 - 3.30%APY$330 a year on $10,000with conditions
Requirements
Product: Personal accounts only; must receive an eStatement and be an active Arise Financial checking account user (45 days prior to the dividend period you must: have recurring direct deposit of $100 or more into checking, make 3+ debit card purchases, or pay 3+ bills online).
Offer: Must receive an eStatement and be an active checking account user (45 days prior to the dividend period: recurring direct deposit of $100+, 3+ debit card purchases, or 3+ bills paid online).
Qualified rate · 3.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - BrightBridge Credit UnionBridgeBuilder High Yield Savings AccountSavings · $5,000 min
Credit union · 23 branches
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
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 Boston, MA-NH metro
450 accounts at 149 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.31%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.10%
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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