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 Springfield, MA metro
- 3.60%APY$360 a year on $10,000with conditions
Requirements
Product: Available in conjunction with Perks Checking or Relationship Rewards Checking. Monthly maintenance fee is $0. Must deposit $10 to open. Daily balance of $10.00 required to earn APY. Inactivity fee of $10 charged after 1 year of inactivity and every 90 days thereafter on balances under $1,000.
Offer: Paired with Relationship Rewards Checking. Preferred rate of 3.40% added to base rate of 0.10%, resulting in 3.50% interest rate and 3.60% APY. Requires active Relationship Rewards Checking account.
Qualified rate · 3.50% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - Polish National Credit UnionHigh Yield Savings AccountSavings · $10,000 min
Credit union · 6 branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Limited-time offer. Requires membership. New money only (funds currently held at the credit union cannot be used). Available for individuals only; IRA accounts are not eligible. Minimum $10,000 opening deposit to earn the advertised rate. Minimum daily balance of $10.00 required each day to obtain the advertised APY. Interest compounds daily. Rates subject to change after opening. Fees may reduce earnings.
Offer: New money only. Minimum opening balance and minimum balance to earn advertised rate is $10,000. Minimum daily balance of $10.00 required to obtain advertised APY. Qualifying interest/dividend rate is 3.39%. Interest compounds daily. Not eligible for IRAs.
Promotional rate · 3.39% interest rate · Effective Mar 9, 2026
Rate checked
More details - 3.35%APY$335 a year on $10,000with conditions
Requirements
Product: Accounts must be associated with a CD. Rate may change after account opening. Fees could reduce earnings on the account.
Offer: Accounts must be associated with a CD. Rate may change after account opening. Fees could reduce earnings on the account.
Qualified rate · 3.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$330 a year on $10,000intro rate
Requirements
Product: Liquid high-yield savings account special. Minimum $10,000 in new money to open. Maintain minimum daily balance of $10.00 to obtain advertised APY. Not open to Municipalities or Businesses. Monthly fee $0. Inactivity fee of $10 charged after 1 year of inactivity and every 90 days thereafter on balances under $1,000.
Offer: Requires minimum of $10,000 in new money (funds not currently on deposit with Country Bank) to open. Maintain minimum daily balance of $10.00 to obtain APY.
Promotional rate · 3.25% interest rate · No monthly fee · Effective Jun 1, 2026
Rate checked
More details - BrightBridge Credit UnionBridgeBuilder High Yield Savings AccountSavings · $5,000 min
Credit union · 3 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 - 3.25%APY$325 a year on $10,000
Requirements
Product: Must be opened in a banking center; requires new money not already on deposit with PeoplesBank
Offer: Requires minimum opening deposit of $10,000 in new money; minimum balance to earn APY is $10 after initial deposit
No monthly fee · Effective Feb 19, 2026
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 - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Account owner or co-owner must have a consumer checking or NOW account with Florence Bank.
Offer: Base Rate paid when checking balance qualification is not met.
Qualified rate · 0.05% interest rate · Effective May 13, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Over $0 0.05% $10 and upYour amountQualifying rate paid if the owner's and co-owner's cumulative checking account balances are at least $5,000 each day during the statement cycle. 3.20% Rate checked
More details - 3.04%APY$304 a year on $10,000
Requirements
Product: Online exclusive account with a $500 minimum opening deposit.
Offer: For accounts enrolled in eDelivery of statements.
3.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - Greater Springfield Credit UnionKasasa SaverSavings · $0 min · 0.50%–2.53% by balance
Credit union · 2 branches
2.53%APY$253 a year on $10,000with conditionsRequirements
Product: Must be linked to a free Kasasa checking account (Kasasa Cash or Kasasa Cash Back). No maintenance fees or minimum balance. Interest and ATM fee refunds credited on the first business day of the next cycle.
Offer: When linked checking account qualifies in a month (e.g. 12 debit card purchases, 1 direct deposit/ACH, enroll in eStatements).
Qualified rate · No monthly fee · Effective Jul 1, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 2.53% $50,000 and upTotal range 2.53% to 0.50% APY. 0.50% Rate checked
More details - 2.02%APY$202 a year on $10,000with conditions
Requirements
Product: Available only as part of Mortgage Bonus Bundle program requiring an approved Country Bank residential owner-occupied mortgage, a new or existing Country Bank Checking account, and a Home Savings account. Requires $10.00 deposit to open and $10.00 daily balance to earn disclosed APY.
Offer: Bump rate. Requires qualifying activities within monthly statement cycle: set up and maintain Automatic Loan Payment to Mortgage from Country Bank Checking, receive Direct Deposit into Checking, and sign up for eStatements on Checking and Home Savings.
Qualified rate · 2.00% interest rate
Rate checked
More details - Liberty BankMoney Market SpecialMoney Market Special · $25 min · 2.00%–3.00% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Minimum to open is $25. Minimum daily balance to earn APY is $0.01. If the account owner is under the age of 18, the account must be a joint with a parent or guardian. Avoid $2 monthly paper statement fee with eStatements (account holders age 65 or over are exempt). Rate is variable and subject to change at any time. Must visit a branch to open.
1.98% interest rate · Effective Jan 5, 2026
Rate by balance
Rate by balance for Money Market Special Balance APY Up to $50,000Your amount 2.00% $50,000 – $100,000 2.25% $100,000 – $250,000 2.75% $250,000 and up 3.00% Rate checked
More details - BrightBridge Credit UnionHigh Yield SavingsSavings · $10,000 min · 2.00%–2.85% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000Requirements
Product: No monthly maintenance fee. Minimum opening balance is $10,000. Rates subject to change after opening.
1.98% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $50,000Your amount 2.00% $50,000 and up 2.85% Rate checked
More details - MASSMUTUALMoney Market PlusMoney Market Plus · $2,000 min · 1.92%–2.68% by balance
Credit union · 1 branch
1.92%APY$192 a year on $10,000Requirements
Product: Requires a $100 minimum opening deposit and a $2,000 minimum balance to earn dividends. Stated dividend rate applies to the entire account balance once a balance range is met. Limited to no more than 6 transfers and withdrawals per month. Membership requires maintaining 1 share ($5 par value) in a Primary Share account.
Offer: Tier 1: applies to entire balance for balances from $2,000.00 to $24,999.99. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month.
1.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $2,000 – $25,000Your amount 1.92% $25,000 – $75,000 2.17% $75,000 – $125,000 2.43% $125,000 and up 2.68% Rate checked
More details - New Valley Bank & TrustAPEX Money MarketAPEX Money Market · $10 min · 1.75%–2.75% by balance
Bank · 3 branches
1.75%APY$175 a year on $10,000with conditionsRequirements
Product: Monarch Checking account with an active debit card required. Minimum opening deposit of $10. E-statements required to avoid a $3.00 paper statement fee. Tiered account where stated APY for each tier applies to the entire account balance. Interest compounded daily and credited monthly.
Offer: Must maintain minimum daily balance to earn stated APY. Monarch Checking account with active debit card required.
Qualified rate · 1.73% interest rate · Compounded daily · No monthly fee · Effective Oct 31, 2025
Rate by balance
Rate by balance for APEX Money Market Balance APY Up to $100,000Your amount 1.75% $100,000 – $500,000 2.25% $500,000 and up 2.75% 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 Springfield, MA metro
90 accounts at 26 banks and credit unions · checked Oct 15–22
- Typical
- 0.05%
- Top 10% from
- 2.58%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Springfield, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMassFiveCredit union · 1 branch
- MASSMUTUALCredit union · 1 branch
- BrightBridge Credit UnionCredit union · 3 branches