Fitchburg, Massachusetts Money Market Rates - October 2026
Brian McKay
Brian McKay
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Fitchburg, Massachusetts money market account rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Fitchburg, Massachusetts and the surrounding area money market deposit account rates include Workers Federal Credit UnionWorkers Federal Credit Union815 Main St, Fitchburg, MA 01420A+5.0 ★Texas Ratio: 5.99%Real return: +1.05%APY minus 2.8% CPI (February 2026) Signature Money Market Checking at 3.85% APY, DCU Digital Federal Credit UnionDCU Digital Federal Credit Union350 John Fitch Hwy, Fitchburg, MA 01420A5.0 ★Texas Ratio: 10.34%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Savings at 3.50% APY, Webster First Federal Credit UnionWebster First Federal Credit Union65 North St, Fitchburg, MA 01420 4327A+5.0 ★Texas Ratio: 1.75%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Plus at 3.50% APY, Rockland TrustRockland Trust420 John Fitch Hwy, Fitchburg, MA 01420A+5.0 ★Texas Ratio: 2.64%Real return: -1.80%APY minus 2.8% CPI (February 2026) Rockland Complete Money Market at 1.00% APY, and All One Credit UnionAll One Credit Union140 Arnhow Farm Rd, Fitchburg, MA 01420 1369A+5.0 ★Texas Ratio: 2.11%Real return: -2.05%APY minus 2.8% CPI (February 2026) Incredible Interest Money Market Account at 0.75% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Fitchburg has 7 local institutions in our database, with money market rates as high as 3.85% APY from Workers Federal Credit Union at 815 Main St, Fitchburg, MA 01420. Use the table below to compare all available offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Fitchburg, Massachusetts and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Fitchburg, Massachusetts & the Surrounding Area
Balance: $15,000 and Above
- Sep 21, 20263.85%▲ from 3.59%
- Sep 14, 20263.59%first recorded
Monthly Fee $0.00
Balance: $500,000.00
Balance: $50,000.00 or more
Balance: $250,000-$499,999.99
Balance: $10,000.01 - $50,000
Balance: $100,000-$249,999.99
Balance: $10,000.00-$49,999.99
Balance: $50,000.00 - $99,999.99
Balance: $1,000,000.01 and over
Balance: $50.00-$9,999.99
Balance: $25,000.00 - $49,999.99
Balance: $1,000,000 and over; Compounded: Monthly
Balance: $1,000.00 - $24,999.99
Balance: $12.00 - $250,000.00; Balances up to $250,000.00 receive an APY of 0.75%; Must maintain a minimum available balance of $25,000.00 to avoid a monthly service charge fee of $30.00; E-statements are a requirement of the account
Balance: $1,000,000.00 and over; Compounded: Monthly; Variable interest rates; may change after the account is opened
Balance: $25,000.00 - $49,999.99; Compounded: Monthly
Balance: $25,000.00 - $49,999.99; Compounded: Monthly; Variable interest rates; may change after the account is opened
Balance: $0.00 - $999.99
Balance: $5,000.00 - $24,999.99; Compounded: Monthly
Balance: $50,000.00 or more; Minimum to Earn Dividend: $50,000.00; Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $5.00; Membership requirements apply
Balance: $250,000.01 and over; Balances over $250,000.00 receive an APY of 0.25% on the portion of the balance over $250,000.00; Must maintain a minimum available balance of $25,000.00 to avoid a monthly service charge fee of $30.00; E-statements are a requirement of the account
Balance: $10,000.00 - $24,999.99; Compounded: Monthly; Variable interest rates; may change after the account is opened
Balance: $500,000.00
Balance: $61.00 - $49,999.99; Minimum to Earn Dividend: $61.00; Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $5.00; Membership requirements apply
Balance: $0.01 - $4,999.99; Compounded: Monthly
Balance: $25,000 - $49,999.99
- Oct 13, 20260.10%▲ from 0.05%
- Sep 18, 20260.05%first recorded
Balance: $5.00 - $999.99
Balance: $25,000 and above
Balance: $25,000 and above
Balance: $10-$24,999.99
Balance: $0.01 - $9,999.99; Compounded: Monthly; Variable interest rates; may change after the account is opened
Balance: $10,000-$24,999.99
Balance: $50 - $9,999.99
Balance: $0-$14,999.99
Balance: $10-$9,999.99
Balance: $25,000 and above
Balance: $25,000 and above
Balance: $10,000-$24,999.99
Balance: $10,000-$24,999.99
Balance: $10-$9,999.99
Balance: $10-$9,999.99
Minimum deposit of $500 required to open the account. Must maintain the minimum balance each day that is required in each tier to obtain the disclosed Annual Percentage Yield. Rate is variable and can change after the account is opened. Rates effective 8/18/2022. Balance: $0.00 - $24,999.99
- Oct 11, 20265.00%▲ from 0.15%
- Sep 19, 20260.15%first recorded
No minimum deposit to open; minimum balance to earn APY is $0.01; no monthly fees or penalties; unlimited transactions; APY valid as of 10/10/2026
Balances over $1,000,000 will not earn interest. Rate may change after account is opened. Fees may reduce earnings.
Balance: $25,000-$10,000,000
Balance: $200,000.00 or more; dividends compounded and credited quarterly
Balance: $249,999.01 - $9,999,999.00
Balance: $2,499,999.01 - $9,999,999
Balance: $25,000-$10,000,000
Balance: $250,000.00 and above; Average Daily Balance
Balance: $250,000.00 and above
Balance: $250,000 - higher; Compounding: Monthly
Rhode Island rates; requires Citizens Private Client Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Private Client Checking; includes unlimited rebates on ATM fees charged by other banks; rates apply to new accounts and are variable
Rhode Island rates; requires Citizens Quest Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
$50,000.00+; Balance: $50,000+
$50,000+; Balance: $50,000+
Balance: $.01 - $4,999.99; Minimum Daily Balance to Waive Monthly Service Charge: N/A; Monthly Service Charge: $50.00
Balance: $1,000,000+; Compounding: Daily
Balance: $500,000 - $999,999.99; Premier Checking required to open the Premier Money Market
Balance: $100,000.00 and over; Rates are variable and subject to change after account opening.
Balance: $99,999.01 - $249,999
Featured homepage rate: Earn up to 3.50% APY
Intro rate; Balance: $15,000+
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $100,000.00 - $199,999.99; dividends compounded and credited quarterly
Balance: $20,000 and over
Balance: $100,000 and over; Dividends compounded monthly; Requires $2,500 minimum daily balance to obtain disclosed APY
Rate Index: 30 Day Avg SOFR* minus 10% of the 30 Day Avg SOFR rate index
- Oct 3, 20263.42%▲ from 3.33%
- Sep 19, 20263.33%first recorded
Rate Index: 30 Day Avg SOFR* minus 10% of the 30 Day Avg SOFR rate index
Balance: $1,000,000+
Balance: $1,000,000+; Minimum balance to avoid service fee: $2,500.00; APY assumes funds remain on deposit for 365 days
Balance: Equal to or greater than $1,500,000.00
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $500,000 and up
$25,000.00+; Balance: $25,000.00-$49,999.99
Balance: $500,000 +
To receive the 3.25% APY a balance of $500,000 or greater needs to be maintained. If the promotional money market daily balance falls below the $50,000 minimum deposit requirement during the monthly statement cycle, the interest rate will default to the current money market rate established by Savers Bank. As of October 30, 2024 the default rate is 1.00% APY. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. The Ultra Money Market requires a Savers Bank checking account to receive the advertised promotional money market rate. All Money Market rate tiers are effective as of October 30, 2024 and are subject to change without notice.
Balance: $300,000.00 to $999,999.99
Balance: $300,000.00 to $999,999.99
Balance: $500,000 - $999,999; Compounding: Daily
Balance: $25,000-$10,000,000
Balance: $100,000 - $249,999.99; Premier Checking required to open the Premier Money Market
Balance: $10,000.00 and over
Balance: $10,000.00 and over; New Money Only: Yes; Open account
Balance: $25,000.00 and over; Requires Beacon Bank checking account with ownership relationship; Minimum balance to earn APY $10 after initial deposit; Balance cannot exceed $5,000,000; Variable rate
Balance: $1,000,000+
Balance: $50,000 to $99,999.99; Dividends compounded monthly; Requires $2,500 minimum daily balance to obtain disclosed APY
Balance: $100,000 and above
Balance: >= $1,000,000
- Oct 2, 20263.10%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Balance: $75,000 - $249,999; Compounding: Monthly
Balance: $250,000.00
Balance: $10 +
Balance: $10.00 - $24,999.99; Requires Beacon Bank checking account with ownership relationship; Minimum balance to earn APY $10 after initial deposit; Balance cannot exceed $5,000,000; Variable rate
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $100,000.00 to $249,999.99; Average Daily Balance
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Fitchburg, MA Money Market Rate Trends
Compare local Fitchburg, MA money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Massachusetts high-yield MMA rates rose 0.040 points over the past 7 days to 3.084% APY.
Massachusetts standard MMA rates fell 0.006 points over the past 7 days to 0.524% APY.
Fitchburg, Massachusetts Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current MA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current MA high-yield money market average of 3.084% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Fitchburg, Massachusetts.
Money Market Account Earnings in Fitchburg, Massachusetts
Annual interest earnings at current MA average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.084% APY) | Monthly Earnings | Standard MMA (0.524% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $308.43 / year | $25.70 | $52.39 / year | $4.37 |
| $25,000 | $771.07 / year | $64.26 | $130.98 / year | $10.92 |
| $50,000 | $1,542.15 / year | $128.51 | $261.95 / year | $21.83 |
| $100,000 | $3,084.30 / year | $257.03 | $523.90 / year | $43.66 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Fitchburg, Massachusetts money market rate averages as of October 14, 2026. | ||||
About Our Fitchburg, Massachusetts Money Market Rate Database
MonitorBankRates found 7 institutions with branches in Fitchburg (2 banks, 5 credit unions), plus 48 additional state-chartered and national online institutions available to Fitchburg residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Workers Federal Credit Union offers a money market account at 3.85% APY. Use the rate table above to compare all current offers in Fitchburg, Massachusetts.
How to Find the Best Money Market Rates in Fitchburg, Massachusetts
What to compare when shopping for a money market account in Fitchburg, Massachusetts
To find the best money market APYs in Fitchburg, Massachusetts, start with credit unions and online-only banks: Fitchburg, Massachusetts has 23 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current MA high-yield money market average is 3.084% but top local institutions are offering as high as 3.85%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Fitchburg, Massachusetts high-yield money market rates currently average 3.084% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Fitchburg, Massachusetts institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 55 institutions in Fitchburg, Massachusetts report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Fitchburg, Massachusetts CD rates
- You don’t need check writing and want a lower minimum Fitchburg, Massachusetts savings rates
- You need daily transaction access Fitchburg, Massachusetts checking rates
Fitchburg, Massachusetts Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
14.3% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.7% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s MA high-yield money market average of 3.084%, saving 10% of the local median salary ($4,187/year) would earn an additional $129 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Fitchburg, Massachusetts Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Fitchburg, Massachusetts.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MA Avg APY | 3.084% | View Savings Rates | 0.524%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Fitchburg, Massachusetts averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Fitchburg, Massachusetts Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Fitchburg, Massachusetts rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Fitchburg, Massachusetts
At MA’s top money market rate of 3.85% from Workers Federal Credit Union, a $10,000 deposit earns $385 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Fitchburg, Massachusetts earner is roughly $10,500. At 3.084% APY in a money market account, saving $870/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountMassachusetts’s high-yield money market average is 3.084% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Fitchburg, Massachusetts earner makes $41,871/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.084% APY.
Retirement PlannerA $25,000 money market balance earning 3.084% APY grows to roughly $45,898 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fitchburg, Massachusetts money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Fitchburg, Massachusetts directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Fitchburg, Massachusetts. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Fitchburg, Massachusetts
What is a Money Market Account (MMA)?
Are Money Market accounts in Fitchburg, Massachusetts safe?
How often do MMA rates change in Fitchburg, Massachusetts?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Fitchburg, Massachusetts?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Fitchburg, Massachusetts for money market accounts?
Best Money Market Rates in Fitchburg, Massachusetts
- Workers Federal Credit Union
Signature Money Market Checking: 3.85% APY - DCU Digital Federal Credit Union
Money Market Savings: 3.50% APY - Webster First Federal Credit Union
Money Market Plus: 3.50% APY - Rockland Trust
Rockland Complete Money Market: 1.00% APY - All One Credit Union
Incredible Interest Money Market Account: 0.75% APY
Fitchburg, Massachusetts Rates & Resources
