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 Cambridge, MA
- 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 - 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 · 2 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 - 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 - MIT Federal Credit UnionHigh Yield Money MarketHigh Yield Money Market · $500 min · 0.05%–3.25% by balance
Credit union · 2 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 - 3.00%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 - 2.50%APY$250 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: Non-qualifying balances only, or qualifying balance amounts over $250,000 (earning 2.50% APY, resulting in a blended APY between 2.50% and 5.00%). If Qualifying Criteria are not met, the entire balance will earn 2.50% APY the following month.
Qualified rate · 2.50% interest rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - Cambridge Savings BankRelationship High-Yield Money MarketRelationship High-Yield Money Market · $10 min · 1.50%–3.10% by balance
Bank · 4 branches
1.75%APY$175 a year on $10,000with conditionsRequirements
Product: Monthly maintenance service charge of $10 is waived with $1,000 average monthly balance. Non-CSB ATM surcharge reimbursement up to $12/month. Interest is not paid on account balances below $10. Variable rate tiered account.
Offer: With Performance Plus Checking. Monthly maintenance service charge of $10 is waived with $1,000 average monthly balance.
Qualified rate · 1.48% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Relationship High-Yield Money Market Balance APY Up to $10,000 1.50% $10,000 – $50,000Your amount 1.75% $50,000 – $250,000 2.20% $250,000 – $1,000,000 2.80% $1,000,000 and up 3.10% Rate checked
More details - Cambridge Savings BankRelationship High-Yield Money MarketRelationship High-Yield Money Market · $10 min · 1.25%–2.85% by balance
Bank · 4 branches
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Monthly maintenance service charge of $10 is waived with $1,000 average monthly balance. Non-CSB ATM surcharge reimbursement up to $12/month. Interest is not paid on account balances below $10. Variable rate tiered account.
Offer: Without Performance Plus Checking. Monthly maintenance service charge of $10 is waived with $1,000 average monthly balance.
Qualified rate · 1.24% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Relationship High-Yield Money Market Balance APY Up to $10,000 1.25% $10,000 – $50,000Your amount 1.50% $50,000 – $250,000 1.95% $250,000 – $1,000,000 2.55% $1,000,000 and up 2.85% Rate checked
More details - Hanscom Federal Credit UnionYour Way SavingsSavings · $25 min · 0.20%–2.25% by balance
Credit union · 1 branch
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 - Transportation Federal Credit UnionMomentum SavingsSavings · 0.50%–1.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
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: Applies to balances $100,000 and under when linked rewards checking meets monthly qualifications (15 debit card purchases, 1 direct deposit/ACH debit or credit transaction, and eStatements).
Qualified rate · 1.00% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Momentum Savings Balance APY Up to $100,000Your amount 1.00% Over $100,000 0.50% Rate checked
More details - Transportation Federal Credit UnionMoney Market Share AccountMoney Market Share Account · $2,500 min · 0.75%–1.15% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Requires a $2,500 minimum deposit to open and maintain; balances falling below $2,500 may be transferred to Share Savings. Dividends are compounded and paid monthly using the daily balance method. Up to 3 minimum $500 withdrawals permitted.
Offer: Dividends calculated using the daily balance method, compounded and paid monthly. Minimum balance of $2,500 required to earn APY.
0.75% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for Money Market Share Account Balance APY $2,500 – $9,999 0.75% $10,000 – $19,999Your amountMinimum balance required to earn APY. 1.00% $20,000 – $49,999Minimum balance required to earn APY. 1.10% $50,000 and upMinimum balance required to earn APY. 1.15% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Client must agree to receive eStatements as a condition of the Account. Up to six (6) pre-authorized, automatic or telephone transfers allowed from your savings account during a statement month. Leader Bank reserves the right to discontinue without notice.
Offer: $10 minimum account balance to open accounts and earn APY. Client must agree to receive eStatements as a condition of the Account.
0.75% interest rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - Webster First Federal Credit UnionMoney Market PlusMoney Market Plus · $1,000 min · 0.50%–3.50% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Available in Central and Eastern Massachusetts. Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member to open. Qualifying criteria: have a Webster First checking account, at least 1 direct deposit into checking account per month, and at least 5 debit card transactions from checking account per month. No monthly maintenance fees.
Offer: Requires Webster First checking account, at least 1 direct deposit per month into checking, and at least 5 debit card transactions per month from checking.
Qualified rate · 0.50% interest rate · No monthly fee · Effective May 18, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $1,000 0.50% $1,000 – $25,000Your amount 0.75% $25,000 – $50,000 1.26% $50,000 – $100,000 1.77% $100,000 – $250,000 3.00% $250,000 – $500,000 3.25% $500,000 and up 3.50% Rate checked
More details - Naveo Credit UnionPremier Money MarketPremier Money Market · $2,500 min · 0.50%–3.50% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership eligibility requirements must be met. Variable rate account. Minimum balance to earn interest is $2,500. Interest rate tier earned is based on daily balance.
Offer: Tier 1: Daily balance of $2,500-$49,999.99.
0.50% interest rate · No monthly fee
Rate by balance
Rate by balance for Premier Money Market Balance APY $2,500 – $50,000Your amount 0.50% $50,000 – $125,000 1.00% $125,000 – $300,000 2.00% $300,000 and up 3.50% 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 Cambridge, MA
57 accounts at 17 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.70%
- Banks, typical
- 0.05%
- 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