Best Banks & Checking Accounts in Lowell, Massachusetts - June 2026
Brian McKay
Brian McKay
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The best checking rates for Lowell, Massachusetts include Workers Federal Credit UnionWorkers Federal Credit Union1201 Bridge St, Lowell, MA 01850A5.0 ★Texas Ratio: 8.41% 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: 10.60% Student 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 June 11, 2026 according to verified data from MonitorBankRates.
Lowell has 6 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: June 11, 2026
Compare Checking Account Rates Today in Lowell, Massachusetts & the Surrounding Area
Lowell Checking Account Rates
Lowell, MA 01850
Qualifying balance up to $15,000.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Lowell, MA 01852
Qualifications Required: null; Qualifying balance up to $10,000.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01851
Earns .05% Interest*. Fees could reduce earnings. Account rate is variable and is subject to change at any time. $25 Below Minimum Balance Fee. ATM Surcharge Reimbursements up to $50 nationwide (per Statement Cycle).
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
All balances if qualifications are not met
Lowell, MA 01852
Qualifications Required: null; All balances if qualifications are not met
Lowell, MA 01851
No additional details provided.
Lowell, MA 01850
No additional details provided.
Level 2 on balances up to $15000
Qualifying balance up to $10,000.00
Level 1 on balances up to $15000
Qualifying balance up to $15,000.00
Lowell High Yield Checking Rates
Lowell, MA 01850
Qualifying balance up to $15,000.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
All balances if qualifications are not met
Level 2 on balances up to $15000
Qualifying balance up to $10,000.00
Qualifying balance up to $15,000.00
Qualifying balance up to $15,000.00
Level 1 on balances up to $15000
3.00 - 0.02%
No additional details provided.
No additional details provided.
No additional details provided.
Qualifications Required; Qualifying balance up to $10,000.00
Balance: 0 - $25,000
No additional details provided.
No additional details provided.
Qualifying balance up to $25,000.00
Qualifications Required; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Lowell Rewards Checking Rates
Lowell, MA 01852
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
All balances if qualifications are not met
Qualifying balance up to $10,000.00
Qualifying balance up to $15,000.00
Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $10,000.00
Qualifications Required; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Qualifications Required: 12 debit card purchases; e-statements; direct deposit or one ACH transaction per statement cycle; Qualifying balance up to $15,000.00; ATM fees will be refunded up to $15 per statement cycle when qualifying requirements are met.
Qualifications Required: 12 debit card purchases; e-statements; direct deposit or one ACH transaction per statement cycle; Balances of $15,000.01 and over, after qualifying requirements are met, will earn .25% APY; ATM fees will be refunded up to $15 per statement cycle when qualifying requirements are met.
No additional details provided.
Balance $15,000.01+
No additional details provided.
Lowell Free Checking Rates
Lowell, MA 01850
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Lowell Student Checking Rates
Lowell, MA 01851
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Lowell Business Checking Rates
Lowell, MA 01852
Qualifications Required: null; Qualifying balance up to $10,000.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
Qualifications Required: null; All balances if qualifications are not met
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Business CheckingPLUS is $5 and the minimum balance to earn dividend is $50.00. A $12.00 fee will apply if your balance falls below $1500 minimum per month. Fees may reduce earnings.
No additional details provided.
No additional details provided.
Qualifying balance up to $9,999.99
No additional details provided.
No additional details provided.
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.
Massachusetts high-yield checking rates fell 0.032 points over the past 7 days to 1.167% APY.
Massachusetts free checking rates rose 0.033 points over the past 7 days to 0.429% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lowell, Massachusetts checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
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 sourcing this data 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?
Are banks in Lowell, Massachusetts FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Lowell, Massachusetts
- Workers Federal Credit Union
Advantage High Interest Checking — 4.50% APY - Washington Savings Bank Lowell, MA
Elite Checking — 2.00% APY - Align Credit Union
Student Checking — 0.10% APY - Lowell Five Bank
Premier Checking — 0.05% APY - Eastern Bank Boston, MA
Premier Checking — 0.01% APY
Lowell, Massachusetts Rates & Resources
