Best Money Market Rates in Needham, Massachusetts - June 2026
Brian McKay
Brian McKay
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Current Needham, Massachusetts and the surrounding area money market deposit account rates include Eastern Bank Boston, MAEastern Bank Boston, MA865 Central Ave, Needham, MA 02492A+5.0 ★Texas Ratio: 2.03% Money Market at 4.00% APY, Citizens BankCitizens Bank968 Highland Ave, Needham, MA 02494A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, Needham BankNeedham Bank1063 Great Plain Ave, Needham, MA 02492A+5.0 ★Texas Ratio: 3.75% Premium Money Market at 3.50% APY, Dedham Institution for SavingsDedham Institution for Savings1077 Great Plain Ave, Needham, MA 02492A5.0 ★Texas Ratio: 6.25% Premium Money Market Account at 3.00% APY, and Direct Federal Credit UnionDirect Federal Credit Union50 Cabot St, Needham, MA 02494A+5.0 ★Texas Ratio: 2.62% money market at 2.20% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
Needham has 6 local institutions in our database, with money market rates as high as 4.00% APY from Eastern Bank Boston, MA at 865 Central Ave, Needham, MA 02492. Use the table below to compare all available offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Needham, Massachusetts and surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Money Market Rates Today in Needham, Massachusetts & the Surrounding Area
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
Available to Premium Checking customers. No monthly maintenance fees. Easy online access and flexibility to move funds when needed. Ideal for short-term savings or emergency funds.
A rate of return that earns.
3x more Lifetime Earnings Direct FCU : 2.20% APY * Massachusetts Avg: 0.64% APY
Standard rates. Must have a Citizens Private Client® Checking account.
APY applies to balances of $25,000 and above
APY applies to balances of $10-$24,999.99
APY applies to balances of $25,000 and above
APY applies to balances of $10,000-$24,999.99
APY applies to balances of $25,000 and above
APY applies to balances of $25,000 and above
APY applies to balances of $10-$9,999.99
Standard rates. Must have a Citizens Quest® Checking account.
APY applies to balances of $10,000-$24,999.99
APY applies to balances of $10,000-$24,999.99
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
APY applies to balances of $10-$9,999.99
APY applies to balances of $10-$9,999.99
Balances $25,000-$10,000,000
Get up to 3.25% APY plus a 0.75% APY boost for 6 months on balances of $25,000 to $10 million when you open a Money Market Plus.
Get up to 3.25% APY plus a 0.75% APY boost for 6 months on balances of $25,000 to $10 million.
Balances $25,000-$10,000,000
Invest in your future with up to 3.50% APY.1 Saving should be effortless. With a Money Market account, it is.
Compounding: Daily; Open Online
$15,000+
Balances $25,000-$10,000,000
Compounding: Daily; Open Online
Minimum Daily Balance for Stated APY: $100,000 or more
Minimum Daily Balance for Stated APY: $100,000 or more
Tier 3
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.
Needham, MA Money Market Rate Trends
Compare local Needham, 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 fell 0.001 points over the past 7 days to 3.487% APY.
Massachusetts standard MMA rates fell 0.011 points over the past 7 days to 0.432% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Needham, 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 Needham, 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 Needham, 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 Needham, Massachusetts
What is a Money Market Account (MMA)?
Are Money Market accounts in Needham, Massachusetts safe?
How often do MMA rates change in Needham, Massachusetts?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Needham, Massachusetts?
Best Money Market Rates in Needham, Massachusetts
- Eastern Bank Boston, MA
Money Market — 4.00% APY - Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - Needham Bank
Premium Money Market — 3.50% APY - Dedham Institution for Savings
Premium Money Market Account — 3.00% APY - Direct Federal Credit Union
money market — 2.20% APY
Needham, Massachusetts Rates & Resources
