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 Massachusetts
- 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 - 3.42%APY$342 a year on $10,000with conditions
Requirements
Product: Must be part of the Preferred Customer program with a combined average deposit balance of $250,000 or more.
Offer: Must be part of the Preferred Customer program (Platinum customers have a combined average deposit balance of $250,000 or more). Rate index is 30 Day Avg SOFR minus 10% of the 30 Day Avg SOFR rate index. Advertised interest is paid only on balances up to $1,000,000.00; balances over $1,000,000.00 will not earn interest on the portion over $1,000,000.00.
Qualified rate · 3.37% interest rate · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - Adams Community BankHigh Yield Savings (Online Only)Savings · $1,000 min · 0.10%–3.40% by balance
Bank · 10 branches
3.40%APY$340 a year on $10,000Requirements
Product: Online-only account for consumers. Up to 3 external withdrawals per statement cycle free; each additional external withdrawal incurs a $3.00 excess transaction fee.
Offer: Variable daily rate. Page n74 notes APY applies to balances greater than $9.99 but less than $1,000 as of 09/24/2026.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Savings (Online Only) Balance APY $10 and up 0.10% $1,000 and upYour amount 3.40% 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 $10,000with 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 - 3.35%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 $10,000intro 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 - 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 · 27 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 - 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 - 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 - 3.25%APY$325 a year on $10,000
Requirements
Product: Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.00% $10,000 and upYour amount 3.25% 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 Massachusetts
619 accounts at 196 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.48%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.10%
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Massachusetts
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 14 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches