Boston, Massachusetts (MA) Savings Rates - March 2026
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Editorial Disclosure
The savings 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.
The best savings rates for Boston, Massachusetts and the surrounding area include Leader BankLeader Bank48 Northern Ave, Boston, MA 02210A+5.0 ★Texas Ratio: 0.18% Zeugma Plus Savings at 4.75% APY, LendingClubLendingClub1 Harbor St, Boston, MA 02210A5.0 ★Texas Ratio: 6.13% LevelUp Savings at 4.00% APY, PNC BankPNC Bank729 Boylston St Unit 1, Boston, MA 02116A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Hanscom Federal Credit UnionHanscom Federal Credit Union495 Summer St, Boston, MA 02210A+5.0 ★Texas Ratio: 3.74% Your Way Savings at 2.25% APY, and Rockland TrustRockland Trust1196 River St, Boston, MA 02136A+5.0 ★Texas Ratio: 1.37% Money Market Savings at 0.55% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Boston, Massachusetts, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Boston, Massachusetts (MA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Boston, Massachusetts and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in Boston, Massachusetts & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
48 Northern Ave, Boston, MA 02210
Zeugma Plus Savings
4.75%
$0
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balances of $250,000 or less only
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
LevelUp Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Earn 10x the National Average2
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
LevelUp Savings account
4.00%
$250
▼
Rate0.00%
Min Deposit$250
Min Balance—
UpdatedMar 27, 2026
Details
LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period.
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
729 Boylston St Unit 1, Boston, MA 02116
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
LevelUp Savings account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Standard Rate
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
48 Northern Ave, Boston, MA 02210
Zeugma Plus Savings
2.50%
$0
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balances over $250,000
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
2.25%
$0
▼
Rate2.21%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
1.75%
$0
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
48 Northern Ave, Boston, MA 02210
Leader Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Money Market Savings
0.55%
$25
▼
Rate0.55%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Complete Business Money Market Savings
0.55%
$25
▼
Rate0.55%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
IRA Shares
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
922 Commonwealth Ave, Boston, MA 02215 1204
Prosperity Builder Savings Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Earn 0.50% Annual Percentage Yield (APY) on balances up to $5,000.00; Regular APY: 0.10%
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Money Market Savings
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Complete Business Money Market Savings
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Complete Business Money Market Savings
0.45%
$25
▼
Rate0.45%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY E-Gold Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY Youth Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY Plus Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY E-Gold Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Complete Business Money Market Savings
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Your Way Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY E-Gold Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
City of Boston Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
CITY HALL, BOSTON, MA 02201
IRA & Roth IRA Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
OneUnited Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Money Market Savings
0.20%
$25
▼
Rate0.20%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
185 Devonshire St, Boston, MA 02110
UNITY Choice Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
Regular Shares
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Alpha Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1 Deaconess Rd, Boston, MA 02215
Share Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Interest paid monthly
City of Boston Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
CITY HALL, BOSTON, MA 02201
Main Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
Secondary Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
495 Summer St, Boston, MA 02210
IRA Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 27, 2026
Details
Minimum to Open $1.00
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
125 High St, Boston, MA 02110
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
621 Washington St, Boston, MA 02111
Statement Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
621 Washington St, Boston, MA 02111
Student Savings
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
25 Court St, Boston, MA 02108
Statement Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Complete Business Money Market Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1196 River St, Boston, MA 02136
Money Market Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1 Center Plz, Boston, MA 02108
Open Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Commonwealth Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
25 Court St, Boston, MA 02108
Passbook Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
25 DORCHESTER AVE, BOSTON, MA 02205
Primary Share Account
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
25 DORCHESTER AVE, BOSTON, MA 02205
Secondary Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
2 Avenue DE Lafayette, Boston, MA 02111 1750
Share Draft (Checking) Low Balance
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Alpha Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1 Deaconess Rd, Boston, MA 02215
Share Draft Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA 02540
Deployed Warrior Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
581 Merrimack St, Lowell, MA 01854 3908
Savings Account
8.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Savings Club for Kids
8.00%
$0
▼
Rate8.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Boston, MA Savings Rate Trends
Compare local Boston, MA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — MA Avg
1.622%
▼ 1.478 from last week
Massachusetts high-yield savings rates fell 1.478 points this week to 1.622% APY, down from 3.100% last week.
Standard Savings — MA Avg
0.253%
▲ 0.172 from last week
Massachusetts standard savings rates rose 0.172 points this week to 0.253% APY, up from 0.082% last week.
As of Mar 30, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Boston, 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 savings 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 Boston, Massachusetts. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Boston, Massachusetts
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Massachusetts, help your money grow faster through a higher APY.
Are savings accounts in Boston, Massachusetts safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Massachusetts up to $250,000 per depositor, per institution.
How often do savings rates change in Boston, Massachusetts?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Massachusetts rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Boston, Massachusetts may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Boston, Massachusetts?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Boston, Massachusetts offer in-person customer service, which some customers prefer.
How do I open a savings account in Boston, Massachusetts?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Boston, Massachusetts
Here are recent savings rates observed in Boston, Massachusetts and the surrounding area:
- Leader Bank
Zeugma Plus Savings — 4.75% APY - LendingClub
LevelUp Savings — 4.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Hanscom Federal Credit Union
Your Way Savings — 2.25% APY - Rockland Trust
Money Market Savings — 0.55% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Boston, Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
