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 Worcester, MA
- 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 - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 3 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
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 · 1 branch
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 - 3.20%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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
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 - Worcester Police Department Federal Credit UnionPremium Yield AccountPremium Yield Account · $2,500 min
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Two free withdrawals or transfers per month; $10 fee for each additional withdrawal or transfer. Requires a $2,500 balance to earn dividends.
Offer: Requires a $2,500 balance to earn dividends. Dividends do not accrue on days when ending balance is below $2,500. Two free withdrawals per month, $10 per additional withdrawal/transfer out.
Rate checked
More details - Worcester Police Department Federal Credit UnionPremium Yield AccountSavings · $2,500 min
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Requires a $2,500 balance to earn dividends. Dividends do not accrue on days when the ending balance is below $2,500. Two free withdrawals/transfers per calendar month ($10 charge for each additional).
Offer: Requires a $2,500 balance to earn dividends. Two free withdrawals per month ($10 fee per additional withdrawal/transfer).
Effective Apr 17, 2025
Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Personal accounts only. Must be opened with a minimum of $5,000 in new funds not already on deposit with Fidelity Bank. Monthly maintenance fee of $5 is waived by maintaining a minimum $5,000 daily balance.
Offer: Requires minimum $5,000 opening deposit in new funds not already on deposit with Fidelity Bank. Minimum daily balance of $10 to earn stated APY. $5 monthly fee waived with minimum $5,000 daily balance.
$5 monthly fee · Effective Sep 29, 2026
Rate checked
More details - All One Credit UnionTop Tier Money Market AccountTop Tier Money Market Account · $1,000 min · 2.50%–3.00% by balance
Credit union · 3 branches
2.50%APY$250 a year on $10,000Requirements
Product: Consumer accounts only. Membership requirements apply. Minimum deposit of $1,000.00 required to open.
Offer: Minimum deposit of $1,000.00 required to open the account. Minimum $1,000.00 to earn dividend.
2.47% interest rate · Effective Jul 31, 2026
Rate by balance
Rate by balance for Top Tier Money Market Account Balance APY $1,000 – $100,000Your amount 2.50% $100,000 – $250,000Minimum $100,000.01 to earn dividend. 2.75% $250,000 – $500,000Minimum $250,000.01 to earn dividend. 2.75% Over $500,000Minimum $500,000.01 to earn dividend. 3.00% Rate checked
More details - Webster FiveAmplify Money MarketAmplify Money Market · $10 min · 2.25%–2.75% by balance
Bank · 2 branches
2.25%APY$225 a year on $10,000with conditionsRequirements
Product: Pair with Amplify Checking to earn even higher rates.
Qualified rate · 2.20% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Amplify Money Market Balance APY Up to $250,000Your amount 2.25% $250,000 and up 2.75% Rate checked
More details - Workers Credit UnionPlanIt+ Savings AccountSavings · $0 min · 2.10%–3.50% by balance
Credit union · 1 branch
2.10%APY$210 a year on $10,000with conditionsRequirements
Product: For members with a minimum of $100,000 aggregate in qualifying deposit accounts. Must have an active PlanIt+ Checking account as tax reported owner. Workers Federal Credit Union membership required ($5 minimum balance). Higher APYs are earned monthly based on the balance in the account disclosed for each dividend tier.
Offer: Must have a PlanIt+ Checking account. Tier 1 rate applies to daily balances $0.00-$49,999.99.
Qualified rate · 2.08% interest rate
Rate by balance
Rate by balance for PlanIt+ Savings Account Balance APY Up to $50,000Your amount 2.10% $50,000 – $100,000 2.10% $100,000 – $250,000 3.15% $250,000 and up 3.50% Rate checked
More details - 2.10%APY$210 a year on $10,000
Requirements
Product: Workers Federal Credit Union membership required; minimum balance to open membership account is $5. No monthly service charge.
Offer: Must maintain a minimum daily balance of $5 each day to obtain the disclosed APY.
2.08% interest rate · No monthly fee · Effective Oct 15, 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 Worcester, MA
95 accounts at 27 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.90%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.10%
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Worcester, MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- GFA FCUCredit union · 4 branches
- UMassFiveCredit union · 1 branch