Worcester, Massachusetts (MA) Savings Rates - March 2026
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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 Worcester, Massachusetts and the surrounding area include IC Federal Credit UnionIC Federal Credit Union947 W Boylston St, Worcester, MA 01606 1275A-5.0 ★Texas Ratio: 15.06% High-Yield Savings at 3.04% APY, Workers Federal Credit UnionWorkers Federal Credit Union301 Grove St Ste 1, Worcester, MA 01605A5.0 ★Texas Ratio: 9.04% Advantage Savings at 3.00% APY, Fidelity Co-operative BankFidelity Co-operative Bank465 Shrewsbury St, Worcester, MA 01604A+5.0 ★Texas Ratio: 1.53% Retirement Premier Savings (IRA) at 3.00% APY, Country Bank for SavingsCountry Bank for Savings278 Park Ave, Worcester, MA 01609A5.0 ★Texas Ratio: 7.70% Savings at 2.02% APY, and Middlesex Savings BankMiddlesex Savings Bank286 Grove Street, Worcester, MA 01605A+5.0 ★Texas Ratio: 0.61% Business Savings Accounts at 1.50% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Worcester, 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 Worcester, Massachusetts (MA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Worcester, Massachusetts and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Worcester, Massachusetts & Surrounding Communities
Source: Verified Savings 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
High-Yield Savings
3.04%
$0
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Available to consumers only. New money is welcome but not required.
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 Grove St Ste 1, Worcester, MA 01605
Advantage Savings
3.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Membership account; No monthly service charge
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 Grove St Ste 1, Worcester, MA 01605
Advantage Savings Account
3.00%
$5
▼
Rate2.96%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
465 Shrewsbury St, Worcester, MA 01604
Retirement Premier Savings (IRA)
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
465 Shrewsbury St, Worcester, MA 01604
Premier Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 Grove St Ste 1, Worcester, MA 01605
Accelerate Savings
2.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Membership account; No monthly service charge
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
278 Park Ave, Worcester, MA 01609
Savings
2.02%
$10
▼
Rate2.00%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
286 Grove Street, Worcester, MA 01605
Business Savings Accounts
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 20, 2026
Details
Middlesex Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
286 Grove Street, Worcester, MA 01605
Business Savings Accounts
1.45%
$1
▼
Rate1.44%
Min Deposit$1
Min Balance—
UpdatedMar 20, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
465 Shrewsbury St, Worcester, MA 01604
Growth Savings
0.95%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
GrowSavings for Business Account
0.92%
$10
▼
Rate0.90%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
278 Park Ave, Worcester, MA 01609
Savings Accounts
0.75%
$10
▼
Rate0.75%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $100,000.00
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
GrowSavings for Business Account
0.61%
$10
▼
Rate0.60%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Complete Business Money Market Savings
0.55%
$25
▼
Rate0.55%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Money Market Savings
0.55%
$25
▼
Rate0.55%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
117 Stafford St Ste B, Worcester, MA 01603 1478
Retirement Savings^
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Complete Business Money Market Savings
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Money Market Savings
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Complete Business Money Market Savings
0.45%
$25
▼
Rate0.45%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
PartnerSavings Account
0.41%
$10
▼
Rate0.40%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
PartnerSavings Account
0.36%
$10
▼
Rate0.35%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Complete Business Money Market Savings
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
PartnerSavings Account
0.25%
$10
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
465 Shrewsbury St, Worcester, MA 01604
Retirement Savings (IRA)
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Money Market Savings
0.20%
$25
▼
Rate0.20%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
PartnerSavings Account
0.20%
$10
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
GrowSavings for Business Account
0.15%
$10
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
805 W Boylston St, Worcester, MA 01606 3032
Shares and Clubs
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 Grove St Ste 1, Worcester, MA 01605
Club Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
947 W Boylston St, Worcester, MA 01606 1275
Just 4 Kids Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
to earn the advertised APY
Worcester Fire Dept Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
34 GLENNIE ST, WORCESTER, MA 01605
Regular Savings Rate
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
278 Park Ave, Worcester, MA 01609
Statement Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
278 Park Ave, Worcester, MA 01609
Savings
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
GrowSavings for Business Account
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
266 Chandler St, Worcester, MA 01602
GoSavings for Business Account
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Hometown Bank Oxford, MA
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1001 Millbury St, Worcester, MA 01607
Get Real Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Hometown Bank Oxford, MA
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1001 Millbury St, Worcester, MA 01607
Club Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA 01606 2026
Primary Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
520 W Boylston St, Worcester, MA 01606 2026
IRA Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 Grove St Ste 1, Worcester, MA 01605
Share Savings
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Membership account
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
301 Grove St Ste 1, Worcester, MA 01605
IRA Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Worcester Police Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
805 W Boylston St, Worcester, MA 01606 3032
Shares and Clubs
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
First Rate Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
117 Stafford St Ste B, Worcester, MA 01603 1478
Student Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
117 Stafford St Ste B, Worcester, MA 01603 1478
Statement Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
947 W Boylston St, Worcester, MA 01606 1275
Veterans Suite Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$50.00 to earn the advertised APY.
IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
947 W Boylston St, Worcester, MA 01606 1275
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$50.00 to earn the advertised APY.
IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
947 W Boylston St, Worcester, MA 01606 1275
IRA Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$50.00 to earn the advertised APY.
IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
947 W Boylston St, Worcester, MA 01606 1275
High-Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Available to consumers only. New money is welcome but not required.
IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
947 W Boylston St, Worcester, MA 01606 1275
Christmas Club Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$50.00 to earn the advertised APY
IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
947 W Boylston St, Worcester, MA 01606 1275
Business Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Complete Business Money Market Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
301 Grove St, Worcester, MA 01605
Money Market Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
UMassFive College Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
5 Lake Ave N Rm S1 820, Worcester, MA 01605 2319
IRA Savings Account
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
IRA Share Account
0.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
Share Savings
0.02%
$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 20, 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 20, 2026
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA 02540
Primary Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
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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.
Worcester, MA Savings Rate Trends
Compare local Worcester, 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
1.589%
▼ 1.511 from last week
Massachusetts high-yield savings rates fell 1.511 points this week to 1.589% APY, down from 3.100% last week.
Standard Savings — MA Avg
0.361%
▲ 0.284 from last week
Massachusetts standard savings rates rose 0.284 points this week to 0.361% APY, up from 0.077% last week.
As of Mar 26, 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 Worcester, 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 Worcester, 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 Worcester, 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 Worcester, 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 Worcester, 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 Worcester, 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 Worcester, Massachusetts?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Worcester, Massachusetts offer in-person customer service, which some customers prefer.
How do I open a savings account in Worcester, 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 Worcester, Massachusetts
Here are recent savings rates observed in Worcester, Massachusetts and the surrounding area:
- IC Federal Credit Union
High-Yield Savings — 3.04% APY - Workers Federal Credit Union
Advantage Savings — 3.00% APY - Fidelity Co-operative Bank
Retirement Premier Savings (IRA) — 3.00% APY - Country Bank for Savings
Savings — 2.02% APY - Middlesex Savings Bank
Business Savings Accounts — 1.50% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Worcester, Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
