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Best Banks & Checking Accounts in Lowell, Massachusetts - April 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 11, 2026

The best checking rates for Lowell, Massachusetts include Workers Federal Credit UnionWorkers Federal Credit Union1201 Bridge St, Lowell, MA 01850A5.0 ★Texas Ratio: 9.04% Advantage High Interest Checking at 4.50% APY, Washington Savings Bank Lowell, MAWashington Savings Bank Lowell, MA30 Middlesex St, Lowell, MA 01852A+5.0 ★Texas Ratio: 4.14% Elite Checking at 2.00% APY, Align Credit UnionAlign Credit Union87 Hale St, Lowell, MA 01851A5.0 ★Texas Ratio: 11.20% Benefit Checking at 0.10% APY, Lowell Five BankLowell Five Bank1095 Westford St, Lowell, MA 01851A+5.0 ★Texas Ratio: 1.76% Premier Checking at 0.05% APY, and Eastern Bank Boston, MAEastern Bank Boston, MA50 Central St, Lowell, MA 01852A+5.0 ★Texas Ratio: 2.03% Premier Checking at 0.01% APY. Checking account rates as of April 11, 2026 according to verified data from MonitorBankRates.

Lowell has 7 local institutions in our database, with checking rates as high as 4.50% APY from Workers Federal Credit Union at 1201 Bridge St, Lowell, MA, 01850. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Lowell, Massachusetts. Checking Account Rates Last Updated and Verified: April 11, 2026

Compare Checking Account Rates Today in Lowell, Massachusetts & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
1201 Bridge St
Lowell, MA 01850
Advantage High Interest Checking
4.50%
$5
View
▼
Rate4.41%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $15,000.00

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Elite Checking
2.00%
$10
View
▼
Rate1.96%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St
Lowell, MA 01851
Benefit Checking
0.10%
$1
View
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St
Lowell, MA 01851
Student Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
1201 Bridge St
Lowell, MA 01850
Advantage High Interest Checking
0.05%
$5
View
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Lowell Five Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1095 Westford St
Lowell, MA 01851
Premier Checking
0.05%
$10
View
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

*Fees could reduce earnings. Account rate is variable and is subject to change at any time. Rates effective 3/9/26.

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
50 Central St
Lowell, MA 01852
Premier Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Mills42 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
83 Merrimack St
Lowell, MA 01852
TD Bank Beyond Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
642 Chelmsford St
Lowell, MA 01851
Share Drafts (Checking Account)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
1201 Bridge St
Lowell, MA 01850
Free Checking with eStatements
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $15,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
First Rate Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $1,000.00

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
IOLTA Checking
3.24%
$0
View
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Pittsfield Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
RELATIONSHIP CHECKING Promotional Rate (First 90 Days)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Balances Up to $25,000; Promotional Rate (First 90 Days)

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
1201 Bridge St
Lowell, MA 01850
Advantage High Interest Checking
4.50%
$5
View
▼
Rate4.41%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $15,000.00

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Elite Checking
2.00%
$10
View
▼
Rate1.96%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
1201 Bridge St
Lowell, MA 01850
Advantage High Interest Checking
0.05%
$5
View
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
First Rate Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $1,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $15,000.00

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
IOLTA Checking
3.24%
$0
View
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Pittsfield Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
RELATIONSHIP CHECKING Promotional Rate (First 90 Days)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Balances Up to $25,000; Promotional Rate (First 90 Days)

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
IOLTA Checking Account
2.89%
$10
View
▼
Rate2.81%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Priority Checking Account*
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

New Valley Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Monarch Checking
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $50,000.00

Northern Bank & Trust Company
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
IOLTA Interest Checking
2.20%
$0
View
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No monthly fee and no transaction limits on your escrow accounts

North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
IOLTA Checking
2.08%
$0
View
▼
Rate2.06%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Florence Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
IOLTA Checking
2.08%
$100
View
▼
Rate2.06%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
Kasasa Cash Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Pentucket Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
Rewards Checking
4.00%
$10
View
▼
Rate3.92%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $15,000.00

Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
Kasasa Cash Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

RBT Rollstone B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
Rewards Checking
1.26%
$10
View
▼
Rate1.25%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
Reward Checking
0.50%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Florence Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
Rewards Checking
0.25%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Check Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Rewards Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
1201 Bridge St
Lowell, MA 01850
Free Checking with eStatements
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Veterans Free Checking
0.05%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
FREE Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Monson Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
SmartChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
StudentChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Everett Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Luso American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Totally Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Free Checking (78)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St
Lowell, MA 01851
Student Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Leader Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Student Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
TeenCents CheckingSM
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

StonehamBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Optimum Student Checking
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Teen Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
StudentChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Student Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Interest Business Checking
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Interest Business Checking
0.10%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
High Yield Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
High Yield Business Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
High Yield Business Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
BusinessPlus Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
BusinessPlus Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Cape Ann Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Business Sole Proprietor / Non-Profit Organization Classic Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Simple Business NOW Checking
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Middlesex Federal Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Easy Interest Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Marblehead Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Business Interest Checking
0.05%
$10
View
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

OneUnited Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
UNITY Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
High Yield Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $10,000.00

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
Business CheckingPlus
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Lowell, MA Checking Rate Trends

Compare local Lowell, MA checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Massachusetts Checking Trends →
High-Yield Checking — MA Avg
1.061%
▼ 0.935 vs 7 days ago

Massachusetts high-yield checking rates fell 0.935 points over the past 7 days to 1.061% APY.

Free Checking — MA Avg
0.403%
▲ 0.094 vs 7 days ago

Massachusetts free checking rates rose 0.094 points over the past 7 days to 0.403% APY.

As of Apr 11, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Lowell, 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 checking rate displayed on 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 Lowell, Massachusetts. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Lowell, Massachusetts earn interest?

Most traditional local checking accounts in Lowell, Massachusetts earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Lowell, Massachusetts FDIC insured?

Yes. Legitimate banks with branches in Lowell, Massachusetts are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Lowell, Massachusetts

Based on our current data, some of the highest checking account APYs available to residents of Lowell, Massachusetts include:
  • Workers Federal Credit Union
    Advantage High Interest Checking — 4.50% APY
  • Washington Savings Bank Lowell, MA
    Elite Checking — 2.00% APY
  • Align Credit Union
    Benefit Checking — 0.10% APY
  • Lowell Five Bank
    Premier Checking — 0.05% APY
  • Eastern Bank Boston, MA
    Premier Checking — 0.01% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lowell, Massachusetts. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 11, 2026

Lowell, Massachusetts Rates & Resources

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