MonitorBankRates
☰
Home › Checking Accounts › Massachusetts Checking › Worcester, Massachusetts iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| 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 Worcester, Massachusetts include Workers Federal Credit UnionWorkers Federal Credit Union301 Grove St Ste 1, Worcester, MA 01605A5.0 ★Texas Ratio: 9.04% Advantage High Interest Checking at 4.50% APY, Webster First Federal Credit UnionWebster First Federal Credit Union271 Greenwood St, Worcester, MA 01607A+5.0 ★Texas Ratio: 2.22% First Rate Checking at 4.00% APY, Webster Five Cents Savings BankWebster Five Cents Savings Bank266 Chandler St, Worcester, MA 01602A+5.0 ★Texas Ratio: 1.57% IOLTA Checking Account at 2.89% APY, Country Bank for SavingsCountry Bank for Savings278 Park Ave, Worcester, MA 01609A5.0 ★Texas Ratio: 7.70% CHECKING ACCOUNTS at 0.75% APY, and UMassFive College Federal Credit UnionUMassFive College Federal Credit Union5 Lake Ave N Rm S1 820, Worcester, MA 01605 2319A5.0 ★Texas Ratio: 7.35% Co-op Advantage Checking at 0.50% APY. Checking account rates as of April 11, 2026 according to verified data from MonitorBankRates.

Worcester has 9 local institutions in our database, with checking rates as high as 4.50% APY from Workers Federal Credit Union at 301 Grove St Ste 1, Worcester, MA, 01605. 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 Worcester, Massachusetts. Checking Account Rates Last Updated and Verified: April 11, 2026

Compare Checking Account Rates Today in Worcester, 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%
301 Grove St Ste 1
Worcester, MA 01605
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

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
271 Greenwood St
Worcester, MA 01607
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

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
266 Chandler St
Worcester, MA 01602
IOLTA Checking Account
2.89%
$10
View
▼
Rate2.81%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
278 Park Ave
Worcester, MA 01609
CHECKING ACCOUNTS
0.75%
$10
View
▼
Rate0.75%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $20,000.00

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
266 Chandler St
Worcester, MA 01602
Amplify Checking
0.50%
$10
View
▼
Rate0.49%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
5 Lake Ave N Rm S1 820
Worcester, MA 01605 2319
Co-op Advantage Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Now with uChoose Rewards.

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
947 W Boylston St
Worcester, MA 01606 1275
Veteran 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

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
947 W Boylston St
Worcester, MA 01606 1275
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

Hometown Bank Oxford, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1001 Millbury St
Worcester, MA 01607
Get More Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Hometown Bank Oxford, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1001 Millbury St
Worcester, MA 01607
Get More Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
117 Stafford St Ste B
Worcester, MA 01603 1478
Optimum Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
301 Grove St Ste 1
Worcester, MA 01605
Advantage High Interest Checking
0.05%
$5
View
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
117 Stafford St Ste B
Worcester, MA 01603 1478
N.O.W and Optimum Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Hometown Bank Oxford, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1001 Millbury St
Worcester, MA 01607
Go Further Relationship Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Hometown Bank Oxford, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1001 Millbury St
Worcester, MA 01607
Get More Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
70 W Boylston St
Worcester, MA 01606
Premier Checking
0.02%
$25
View
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
271 Greenwood St
Worcester, MA 01607
Teen Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
301 Grove St Ste 1
Worcester, MA 01605
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 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

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%
301 Grove St Ste 1
Worcester, MA 01605
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

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
271 Greenwood St
Worcester, MA 01607
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

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
266 Chandler St
Worcester, MA 01602
IOLTA Checking Account
2.89%
$10
View
▼
Rate2.81%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
5 Lake Ave N Rm S1 820
Worcester, MA 01605 2319
Co-op Advantage Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Now with uChoose Rewards.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
301 Grove St Ste 1
Worcester, MA 01605
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

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

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)

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

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.

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.

Pittsfield Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
INTEREST CHECKING Promotional Rate (First 90 Days)
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Balances Up to $10,000; Promotional Rate (First 90 Days)

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
947 W Boylston St
Worcester, MA 01606 1275
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

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

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%
301 Grove St Ste 1
Worcester, MA 01605
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
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
271 Greenwood St
Worcester, MA 01607
Teen Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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.

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Student Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 8, 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.

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
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
520 W Boylston St
Worcester, MA 01606 2026
Premier Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
947 W Boylston St
Worcester, MA 01606 1275
Business CheckingPlus
0.05%
$0
View
▼
Rate0.05%
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
0.65%
$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.

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.

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.

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.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Interest Business Checking
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedApr 11, 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.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Interest Business Checking
0.10%
$10
View
▼
Rate0.10%
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
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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.

Worcester, MA Checking Rate Trends

Compare local Worcester, 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
1.016%
▼ 1.573 vs 7 days ago

Massachusetts high-yield checking rates fell 1.573 points over the past 7 days to 1.016% APY.

Free Checking — MA Avg
0.431%
Unchanged vs 7 days ago

Massachusetts free checking rates currently average 0.431% APY.

As of Apr 13, 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 Worcester, 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 Worcester, 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 Worcester, Massachusetts earn interest?

Most traditional local checking accounts in Worcester, 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 Worcester, Massachusetts FDIC insured?

Yes. Legitimate banks with branches in Worcester, 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 Worcester, Massachusetts

Based on our current data, some of the highest checking account APYs available to residents of Worcester, Massachusetts include:
  • Workers Federal Credit Union
    Advantage High Interest Checking — 4.50% APY
  • Webster First Federal Credit Union
    First Rate Checking — 4.00% APY
  • Webster Five Cents Savings Bank
    IOLTA Checking Account — 2.89% APY
  • Country Bank for Savings
    CHECKING ACCOUNTS — 0.75% APY
  • UMassFive College Federal Credit Union
    Co-op Advantage Checking — 0.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Worcester, Massachusetts. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 11, 2026

Worcester, Massachusetts Rates & Resources

$
Worcester, Massachusetts CD Rates
$
Worcester, Massachusetts Savings Rates
$
Worcester, Massachusetts Money Market Rates
$
Worcester, Massachusetts Mortgage Rates
$
Worcester, Massachusetts Auto Loan Rates
$
Worcester, Massachusetts Personal Loan Rates