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 76–90 results in Massachusetts
- 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 - Lowell Municipal Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Tiered rate structure. Dividends paid monthly. $2,500 minimum deposit required.
Offer: Dividend rate 2.00%. Dividends paid and compounded monthly.
2.00% interest rate · Compounded monthly · Effective Sep 13, 2023
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 · 27 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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must have an Incredible Interest Checking account to open and hold the account. Account may not be used for commercial purposes. Qualifications each monthly cycle: at least 15 debit card POS transactions post and settle, receive monthly statement electronically, and receive at least one direct deposit or ACH debit. Interest and ATM reimbursements from Incredible Interest Checking automatically transfer each cycle.
Offer: Qualifying rate on balances up to $100,000.00 when Incredible Interest Checking qualifications are met. Minimum to earn dividend is $3.00.
Qualified rate · 1.98% interest rate · Balance cap $100,000 · Effective Jul 31, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Personal account use only. Platinum customers have combined average balances of $250,000+; Gold and Platinum program is free and qualifications reviewed annually.
Offer: Below $1,000,000.01 balance to earn APY
Qualified rate · 1.98% interest rate · Balance cap $1,000,000
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 - Stoneham Municipal Employees Federal Credit UnionMoney Market AccountMoney Market Account · $100 min · 0.05%–2.25% by balance
Credit union · 4 branches
1.90%APY$190 a year on $10,000Requirements
Product: Tiered rate account. Dividend rate and APY apply to Average Daily Balance of the account for the month. Rates subject to change without notice.
Offer: Minimum balance required for dividends: $100.00
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $100 and up 0.05% Over $2,000Your amount 1.90% Over $20,000 2.05% Over $75,000 2.25% Rate checked
More details - Cambridge Savings BankRelationship High-Yield Money MarketRelationship High-Yield Money Market · $10 min · 1.50%–3.10% by balance
Bank · 19 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 - 1.75%APY$175 a year on $10,000
Requirements
Product: Available to all new customers and for existing customers with NEW money of $10,000. Personal accounts only. Fees could reduce earnings.
Offer: Available to all new customers and for existing customers with NEW money of $10,000.
0.05% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Milestone Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amount 1.75% 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 - 1.66%APY$166 a year on $10,000
Requirements
Product: Requires a $100 minimum deposit to open and a $2,000 minimum balance to earn stated dividend rate/yield. All Money Market accounts are allotted 6 fee-free withdrawals and transfers per month; a $10 fee is charged for each transaction beyond that limit. Minimum withdrawal amount is $250. Membership requires payment of one $5 share in a primary share account.
Offer: Tier 1 balance tier. $100 minimum opening deposit; minimum balance of $2,000 to earn stated APY. Maximum 6 withdrawals or transfers per month.
1.65% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,000 and upYour amount 1.66% $25,000 and upTier 2 balance tier. $100 minimum opening deposit. 1.92% $75,000 and upTier 3 balance tier. $100 minimum opening deposit. 2.17% $125,000 and upTier 4 balance tier. $100 minimum opening deposit. 2.43% Rate checked
More details - 1.51%APY$151 a year on $10,000
Requirements
Offer: Rate index is 30 Day Avg SOFR minus 60% 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.
1.50% interest rate · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - 1.51%APY$151 a year on $10,000
Requirements
Product: Earn interest on balances over $10. Can be used as overdraft protection. Available to consumer and business customers.
Offer: Interest earned on balances over $10.
1.50% interest rate · No monthly fee
Rate by balance
Rate by balance for Prime Money Market Balance APY Up to $50,000Your amount 1.51%* $50,000 – $100,000 2.02%* $100,000 – $250,000 2.53%* $250,000 – $500,000 3.05%* Over $500,000 3.56%* Rate checked
More details - Cambridge Savings BankRelationship High-Yield Money MarketRelationship High-Yield Money Market · $10 min · 1.25%–2.85% by balance
Bank · 19 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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