Osterville, Massachusetts Money Market Rates - October 2026
Brian McKay
Brian McKay
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Osterville, Massachusetts money market account rates from banks and credit unions serving Massachusetts range from 2.53% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Osterville, Massachusetts and the surrounding area money market deposit account rates include Clinton Savings BankClinton Savings BankA-5.0 ★Texas Ratio: 15.56%Real return: +2.20%APY minus 2.8% CPI (February 2026) Tiered Money Market Account at 5.00% APY, Zynlo BankZynlo BankA+5.0 ★Texas Ratio: 5.27%Real return: +1.25%APY minus 2.8% CPI (February 2026) Money Market Account at 4.05% APY, CENTRAL ONECENTRAL ONEA+5.0 ★Texas Ratio: 5.45%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY, Eastern BankEastern BankA+5.0 ★Texas Ratio: 2.61%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Plus at 4.00% APY, and Workers Federal Credit UnionWorkers Federal Credit UnionA+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. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Osterville is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Massachusetts area are available to Osterville residents, with money market rates as high as 5.00% APY from Clinton Savings Bank. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Osterville, Massachusetts and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Osterville, Massachusetts & the Surrounding Area
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
Balance: $25,000-$10,000,000
Balance: $200,000.00 or more; dividends compounded and credited quarterly
Balance: $15,000 and Above
- Sep 21, 20263.85%▲ from 3.59%
- Sep 14, 20263.59%first recorded
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
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: $500,000.00
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: $50,000.00 or more
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
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: $250,000-$499,999.99
Balance: $10,000.00 and over; New Money Only: Yes; Open account
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: $75,000 - $249,999; Compounding: Monthly
Balance: $250,000.00
Balance: $10 +
Balance: $100,000.00 to $299,999.99
- Oct 11, 20263.05%▲ from 3.04%
- Sep 19, 20263.04%first recorded
Balance: $100,000.00 to $299,999.99
- Oct 11, 20263.05%▲ from 3.04%
- Sep 24, 20263.04%first recorded
Balance: $250,000 - $999,999.99
Business Platinum Money Market (Daily balances from $10.00 to $24,999.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.) Note: Earn this high rate when you open a Business Platinum Money Market with money that is not already held in a Bluestone Bank account.
Balance: $1,000,000.01 or More
Balance: $100,000 or more
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 - $2,000,0000
Balance: $1million and above
Balance: $250,000+
Balance: $125,000.00 or Greater
Balance: $250,000 - $499,999; Compounding: Daily
Balance: $100,000.00 to $249,999.99; Average Daily Balance
Balance: $100,000.00 to $249,999.99
Balance: $50,000.00 - $99,999.99; Rates are variable and subject to change after account opening.
Balance: $10,000.01 - $50,000
Balance: $100,000-$249,999.99
Balance: $99,999.01 - $249,999.00
Balance: $500,000 - $999,999.99; Tier 3
Balance: $50,000.00 - $99,999.99; dividends compounded and credited quarterly
Balance: $50,000 - $249,999.99
Balance: $25,000 to $49,999.99; Dividends compounded monthly; Requires $2,500 minimum daily balance to obtain disclosed APY
Balance: $10 or more
Balance: $10 +
Balance: $50,000 - $249,999.99
Balance: $500,000.01-$1,000,000.00
New Money Special; Balance: $500,000.00 minimum to earn dividend
Balance: $50,000 - $99,999.99
Balance: $500,000 + above
This is a tiered account. Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Interest is compounded daily and credited monthly. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. Business checking account is required. E-statements required to avoid a $3.00 paper statement fee. Monthly maintenance charge $0.
Balance: $150,000 - $499,999.99
Balance: $500,000.01 and above
Balance: $100,000-$249,999.99
Balance: $250,000+
Balance: $500,000 and up
Balance: $500,000 and up
Balance: $100,000 - $249,999; Compounding: Daily
Balance: $250,000 - higher; Compounding: Monthly
Balance: $500,000.00 and over
Balance: $100,000.00 and over; $5.00 Membership Account Required
Balance: $50,000 - $249,999.99; Tier 1
Balance: $10,000 to $24,999.99; Dividends compounded monthly; Requires $2,500 minimum daily balance to obtain disclosed APY
Balance: Min. Balance $125,000; $100 minimum deposit to open; Minimum deposit as stated above to earn stated dividend rate/yield
- Oct 5, 20262.68%▲ from 2.43%
- Sep 14, 20262.43%first recorded
Balance: $100,000.00 and above
Balance: $100,000 - $249,999; Compounding: Monthly
Balance: $250,000 - higher; Compounding: Monthly
Balance: $25,000.00 - $99,999.99
Balance: $25,000.00 - $99,999.99
New Money Special; Balance: $200,000.00 minimum to earn dividend
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.
Osterville, MA Money Market Rate Trends
Compare local Osterville, 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.
Osterville, 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 Osterville, Massachusetts.
Money Market Account Earnings in Osterville, 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: Osterville, Massachusetts money market rate averages as of October 14, 2026. | ||||
Available in Osterville, Massachusetts Area
About Our Osterville, Massachusetts Money Market Rate Database
MonitorBankRates tracks money market rate offers from 53 banks and credit unions available to Osterville, Massachusetts residents via statewide and national offers. No branch locations physically in Osterville are currently in our database, but all listed offers are open to Osterville depositors. 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: Clinton Savings Bank offers a money market account at 5.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Osterville, Massachusetts.
How to Find the Best Money Market Rates in Osterville, Massachusetts
What to compare when shopping for a money market account in Osterville, Massachusetts
To find the best money market APYs in Osterville, Massachusetts, start with credit unions and online-only banks: Osterville, Massachusetts has 24 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 5.00%, 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. Osterville, 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 Osterville, Massachusetts institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 53 institutions in Osterville, 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 Osterville, Massachusetts CD rates
- You don’t need check writing and want a lower minimum Osterville, Massachusetts savings rates
- You need daily transaction access Osterville, Massachusetts checking rates
Massachusetts Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MA high-yield money market average of 3.084%, saving 10% of the local median salary ($5,723/year) would earn an additional $177 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Osterville, Massachusetts Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Osterville, 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 Osterville, 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.
Osterville, 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 Osterville, 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 Osterville, Massachusetts
At MA’s top money market rate of 5.00% from Clinton Savings Bank, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Osterville, Massachusetts earner is roughly $14,300. At 3.084% APY in a money market account, saving $1,190/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 Osterville, Massachusetts earner makes $57,232/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 Osterville, 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 Osterville, 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 Osterville, 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 Osterville, Massachusetts
What is a Money Market Account (MMA)?
Are Money Market accounts in Osterville, Massachusetts safe?
How often do MMA rates change in Osterville, Massachusetts?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Osterville, 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 Osterville, Massachusetts for money market accounts?
Best Money Market Rates in Osterville, Massachusetts
- Clinton Savings Bank
Tiered Money Market Account: 5.00% APY - Zynlo Bank
Money Market Account: 4.05% APY - CENTRAL ONE
Business Money Market: 4.00% APY - Eastern Bank
Money Market Plus: 4.00% APY - Workers Federal Credit Union
Signature Money Market Checking: 3.85% APY
Osterville, Massachusetts Rates & Resources
