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 16–30 results in Boston, MA-NH metro
- Salem Five BankGold Star Money Market Special OfferGold Star Money Market Special Offer · $10 min
Bank · 33 branches
3.30%APY$330 a year on $10,000intro rateRequirements
Product: Special offer available for funds not currently on deposit at Salem Five. Maximum deposit amount is $1,000,000 per account and one account per customer. Only residents of the following communities qualify: Amesbury, Ipswich, Newbury, Newburyport, Salisbury, Georgetown, and Rowley. Variable rates.
Promotional rate · 3.25% interest rate
Rate checked
More details - Direct Federal Credit UnionHigh-Yield SavingsSavings · $0 min · 0.00%–3.50% by balance
Credit union · 1 branch
3.30%APY$330 a year on $10,000with conditionsRequirements
Product: New money only (no internal transfers from an existing Direct Federal Credit Union account). Minimum daily balance of $5,000 required to earn stated APY. APY assumes account is paired with an active Direct Advantage Checking; without Direct Advantage Checking, APY is 0.10% lower. Rates are variable.
Offer: If the daily balance falls below $5,000 on any day during the month, no dividends are paid for that dividend period.
Qualified rate · 0.00% interest rate · No monthly fee · Effective Feb 4, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $5,000 0.00% $5,000 – $50,000Your amountAssumes paired with an active Direct Advantage Checking account; without it APY is 0.10% lower. New money only. 3.30% $50,000 and upAssumes paired with an active Direct Advantage Checking account; without it APY is 0.10% lower. New money only. 3.50% Rate checked
More details - 3.25%APY$325 a year on $10,000with conditions
Requirements
Product: Available only for consumers and for new funds to the Bank. Maximum of 6 fee-free withdrawals or debits per monthly statement period; $3 fee per withdrawal or debit thereafter.
Offer: Requires at least two (2) Automated Clearing House (ACH) credits of $250.00 or more each per qualifying period. Maximum of 6 withdrawals or debits per monthly statement period; $3 fee per withdrawal or debit over 6.
Qualified rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - MIT Federal Credit UnionHigh Yield Money MarketHigh Yield Money Market · $500 min · 0.05%–3.25% by balance
Credit union · 4 branches
3.25%APY$325 a year on $10,000intro rateRequirements
Product: No monthly maintenance fees. Rates are variable and may change anytime after account opening. Interest is compounded daily and paid monthly.
Offer: New money only (funds not currently on deposit at MIT Federal Credit Union). Minimum daily balance of $500.00 to earn stated rate.
Promotional rate · 0.05% interest rate · Compounded daily · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY $500 and up 0.05% $10,000 and upYour amount 3.25% Rate checked
More details - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Requires having a Beacon Bank checking account with an ownership relationship. Variable premium interest rate. Fees may reduce earnings.
Offer: Variable premium interest rate subject to change without notice. Requires an ownership relationship on a Beacon Bank checking account.
Qualified rate · Effective Sep 18, 2026
Rate checked
More details - IC Credit UnionHigh-Yield SavingsSavings · $10,000 min · 0.05%–3.04% by balance
Credit union · 1 branch
3.04%APY$304 a year on $10,000Requirements
Product: Available to consumers only. New money is welcome but not required. No monthly maintenance fees. Dividends labeled as Interest on Statement and Online Banking. Fees may reduce earnings. Variable share account rate subject to change.
Offer: $10,000 minimum balance required to open and earn advertised APY. Available to consumers only. New money is welcome but not required.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $10,000 0.05% $10,000 – $1,000,000Your amount 3.04% Over $1,000,000 3.04% Rate checked
More details - First Tech Federal Credit UnionFirst Tech Rewards SavingsSavings · $25 min
Credit union · 13 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must be paired/opened with an Advantage High Interest or Advantage Cash Back checking account. Workers Federal Credit Union membership required ($5 minimum balance). No recurring monthly maintenance charges or fees to open or close account. Limit of one Advantage checking account per social security number.
Offer: Qualifying rate earned when linked Advantage Checking qualifications are met during Monthly Qualification Cycle (at least 1 Direct Deposit/ACH credit or debit, at least 15 debit card purchases, and eStatements enrollment). Applies to daily balances up to $100,000.
Qualified rate · 2.96% interest rate · Balance cap $100,000 · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - Reading Cooperative BankCash Booster Money MarketCash Booster Money Market · $100 min · 0.00%–3.00% by balance
Bank · 13 branches
3.00%APY$300 a year on $10,000Requirements
Product: Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. $10.00 minimum balance to open stated in overview ($100.00 in rate schedule).
Offer: Minimum balance to earn APY: Bal.<$10.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle.
0.00% interest rate · $12 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Cash Booster Money Market Balance APY Up to $10 0.00% Up to $2,500 0.05% $2,500 – $10,000 3.00% $10,000 – $25,000Your amount 3.00% $25,000 – $50,000 3.00% $50,000 – $100,000 3.00% $100,000 and upMinimum balance to earn APY: Bal. $100,000 and More. 3.00% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: A savings account requires a $5.00 minimum balance to open and must remain on deposit to maintain membership status. Rates are variable and may change anytime after account opening. No monthly maintenance fees.
Offer: Minimum daily balance required to earn APY is $500.00.
2.96% interest rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires an eLife Checking or Student Life Checking account to open and maintain. Only 1 eLife Savings account is allowed per tax reporting owner.
Offer: Must maintain a minimum balance of $0.01 in the account each day to obtain APY. Interest compounded and credited monthly. Requires an eLife Checking or Student Life Checking account.
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Applies to new personal or business savings accounts opened with new-to-the-bank funds. A checking account must be opened with the savings account. Promotional rate expires on 12/31/2026 with the account converting to current rate and tier structure. A minimum balance of $1.00 must be maintained in the account each day to earn interest.
Offer: Earn this on the entire balance. Requires new-to-the-bank funds and opening a checking account. Promotional rate expires on 12/31/2026.
Qualified rate · 1.98% interest rate
Rate by balance
Rate by balance for Savings Deposit Special Balance APY Up to $4,999 2.00% $5,000 – $99,999Your amount 3.00% $100,000 – $499,999 3.45% $500,000 and up 3.75% Rate checked
More details - Needham BankPremium Money MarketPremium Money Market · $250 min · 3.00%–3.50% by balance
Bank · 19 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Personal accounts only. Pair with Premium Checking for tier rates; accounts without Premium Checking earn 0.05% APY regardless of balance. No monthly maintenance fees. $250 minimum opening deposit.
Offer: Requires linked Premium Checking Account.
Qualified rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $25,000Your amount 3.00% $25,000 – $50,000 3.25% $50,000 and up 3.50% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Can be opened in conjunction with a Certificate of Deposit (CD) or a TSB 365 Checking account. Deposits and withdrawals can be made at any time. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings.
Offer: Available only in conjunction with a TSB 365 Checking account or any CD.
Qualified rate · 2.96% interest rate · Effective Sep 30, 2026
Rate checked
More details - Washington Savings BankHigh Yield Online Money MarketHigh Yield Online Money Market · $10 min
Bank · 2 branches
2.83%APY$283 a year on $10,000Requirements
Product: $10 minimum to open, $500,000 max deposit, no check writing ability
Offer: $10 minimum to open, $500,000 max deposit, no check writing ability
2.75% interest rate · Balance cap $500,000
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