Compare Savings Rates in Massachusetts – March 2026Current Massachusetts Savings Rates and MMA RatesFor those in Massachusetts, Service Federal Credit Union lists a Deployed Warrior Savings at 10.00%. Current rates from Jeanne D Arc Credit Union include a Savings Account at 8.00% APY. Lowell Firefighters Credit Union is offering a Savings Club for Kids in Massachusetts with an APY of 8.00%. TEWKSBURY is offering a Primary Membership Savings in Massachusetts with an APY of 5.00%. Find the best savings and money market rates in Massachusetts today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in MA, comparing APYs is the best way to maximize your interest earnings. The following rates reflect recent market quotes and representative offers available to Massachusetts depositors. Actual savings rates may vary by financial institution and market conditions.
Last Updated and Verified: March 5, 2026
Savings Rates in Massachusetts and Area
Rates shown are recent market averages and representative quotes. Actual rates may vary.
Last Updated and Verified: March 5, 2026
Best Massachusetts and Area Savings Rates & Money Market RatesBank / Credit Union
Product
APY
Min Deposit
Service Federal Credit Union Falmouth, MA
Deployed Warrior Savings
10.00%
$0
▼
Rate 10.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Jeanne D Arc Credit Union Westford, NH
Savings Account
8.00%
$0
▼
Rate 8.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Lowell Firefighters Credit Union Lowell, MA
Savings Club for Kids
8.00%
$0
▼
Rate 8.00%
Min Deposit $0
Last Updated 03/05/2026
Details
TEWKSBURY Tewksbury, MA
Primary Membership Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
up to $500.00*
Service Federal Credit Union Falmouth, MA
Primary Savings Account
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Minimum Daily Balance $0.00 - $500
Cape Cod Five Cents Savings Bank Wellfleet, MA
SaveUp Companion Savings*
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Dedham Institution for Savings Westwood, MA
Start Up Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
MASS INSTITUTE OF TECH Lexington, MA
Starter Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Earns 5.00% - 0.05% APY on remaining balance above $2,000.00
Leader Bank Cambridge, MA
Zeugma Plus Savings
4.75%
$0
▼
Rate 4.75%
Min Deposit $0
Last Updated 03/05/2026
Details
Qualifying balances of $250,000 or less only
Liberty Bay Credit Union Scituate, MA
Business Money Market
4.25%
$5
▼
Rate 4.25%
Min Deposit $5
Last Updated 03/05/2026
Details
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here. Methodology & Data SourcesDirect-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Massachusetts directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy. Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Massachusetts. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in MA. Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.
Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Massachusetts.
It is always advisable to check with the specific financial institution's official website for the most current offers and terms.
Last Updated and Verified: March 5, 2026
How to Find the Best Savings Account in Massachusetts
Frequently Asked Questions for Massachusetts
What are the current savings rates in Massachusetts and the surrounding area ▼
Below is a list of current savings and money market rates available for Massachusetts. We track lenders daily to provide the most up-to-date APY and term information.
Lender / Product APY Min Dep Service Federal Credit Union
Deployed Warrior Savings
10.00%
$0
Jeanne D Arc Credit Union
Savings Account
8.00%
$0
Lowell Firefighters Credit Union
Savings Club for Kids
8.00%
$0
TEWKSBURY
Primary Membership Savings
5.00%
$0
Service Federal Credit Union
Primary Savings Account
5.00%
$0
Lender / Product APY Min Dep Cape Cod Five Cents Savings Bank
SaveUp Companion Savings*
5.00%
$0
Dedham Institution for Savings
Start Up Savings
5.00%
$0
MASS INSTITUTE OF TECH
Starter Savings
5.00%
$0
Leader Bank
Zeugma Plus Savings
4.75%
$0
Liberty Bay Credit Union
Business Money Market
4.25%
$5
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account? ▼
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe? ▼
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime? ▼
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change? ▼
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.
Cities in MassachusettsAbington
Accord
Acton
Acushnet
Adams
Agawam
Allston
Amesbury
Amherst
Andover
Arlington
Arlington Heights
Ashburnham
Ashby
Ashfield
Ashland
Ashley Falls
Assonet
Athol
Attleboro
Attleboro Falls
Auburn
Auburndale
Avon
Ayer
Babson Park
Baldwinville
Barnstable
Barnstable Town
Barre
Becket
Bedford
Belchertown
Bellingham
Belmont
Berkley
Berkshire
Berlin
Bernardston
Beverly
Billerica
Blackstone
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Boston
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Boxford
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Brighton
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Buckland
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Byfield
Cambridge
Canton
Carlisle
Carver
Cataumet
Centerville
Charlemont
Charlestown
Charlton
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Charlton Depot
Chartley
Chatham
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Cherry Valley
Cheshire
Chester
Chesterfield
Chestnut Hill
Chicopee
Chilmark
Clinton
Cohasset
Colrain
Concord
Conway
Cotuit
Cummaquid
Cummington
Cuttyhunk
Dalton
Danvers
Dartmouth
Dedham
Deerfield
Dennis
Dennis Port
Dighton
Douglas
Dover
Dracut
Drury
Dudley
Dunstable
Duxbury
East Bridgewater
East Brookfield
East Dennis
East Falmouth
East Freetown
East Longmeadow
East Mansfield
East Orleans
East Otis
East Princeton
East Sandwich
East Taunton
East Templeton
East Walpole
East Wareham
Eastham
Easthampton
Easton
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Elmwood
Erving
Essex
Everett
Fairhaven
Fall River
Falmouth
Fayville
Feeding Hills
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Fitchburg
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Forestdale
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Foxborough
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Franklin
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Grafton
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Greenfield
Groton
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Hanover
Hanson
Hardwick
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Harwich
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Hathorne
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Heath
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Holden
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Hull
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Ipswich
Jamaica Plain
Jefferson
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Lee
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Leicester
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Lenox Dale
Leominster
Leverett
Lexington
Lincoln
Linwood
Littleton
Longmeadow
Lowell
Ludlow
Lunenburg
Lynn
Lynnfield
Malden
Manchaug
Manchester
Manomet
Mansfield
Marblehead
Marion
Marlborough
Marshfield
Marshfield Hills
Marstons Mills
Mashpee
Mattapan
Mattapoisett
Maynard
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Medford
Medway
Melrose
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Millbury
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Newton Upper Falls
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Palmer
Paxton
Peabody
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Princeton
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Quincy
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Raynham Center
Reading
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Rehoboth
Revere
Richmond
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Rochester
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Rockport
Roslindale
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Rowley
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Scituate
Seekonk
Sharon
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Sheffield
Shelburne Falls
Sheldonville
Sherborn
Shirley
Shrewsbury
Shutesbury
Siasconset
Silver Beach
Somerset
Somerville
South Barre
South Carver
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South Deerfield
South Dennis
South Easton
South Egremont
South Grafton
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South Hamilton
South Harwich
South Lancaster
South Lee
South Orleans
South Walpole
South Wellfleet
South Yarmouth
Southampton
Southborough
Southbridge
Southfield
Southwick
Spencer
Springfield
Sterling
Still River
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Stoneham
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Stow
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Sudbury
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Taunton
Templeton
Tewksbury
Thorndike
Three Rivers
Tolland
Topsfield
Townsend
Truro
Turners Falls
Tyngsboro
Tyringham
Upton
Uxbridge
Village Of Nagog Woods
Vineyard Haven
Waban
Wakefield
Wales
Walpole
Waltham
Ware
Wareham
Warren
Warwick
Watertown
Waverley
Wayland
Webster
Wellesley
Wellesley Hills
Wellfleet
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Wendell Depot
Wenham
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Whately
Wheelwright
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Wilmington
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Winchendon Springs
Winchester
Windsor
Winthrop
Woburn
Woods Hole
Woodville
Worcester
Woronoco
Worthington
Wrentham
Yarmouth Port
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