New Hampshire Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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New Hampshire savings account rates range from 1.50% to 10.00% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for New Hampshire include Service Federal Credit UnionService Federal Credit Union14 Colby Ct, Bedford, NH 03110A-4.9 ★Texas Ratio: 16.25%Real return: +7.20%APY minus 2.8% CPI (February 2026) Deployed Warrior Savings Account at 10.00% APY, Jeanne D Arc Credit UnionJeanne D Arc Credit Union102 Spit Brook Rd, Nashua, NH 03062 2711A+5.0 ★Texas Ratio: 2.58%Real return: +5.20%APY minus 2.8% CPI (February 2026) Senior Statement Savings at 8.00% APY, DCU Digital Federal Credit UnionDCU Digital Federal Credit Union379 Amherst St, Nashua, NH 03063 1226A5.0 ★Texas Ratio: 10.34%Real return: +2.20%APY minus 2.8% CPI (February 2026) Primary Savings at 5.00% APY, Together Credit UnionTogether Credit Union3 Mound Ct Ste 3A, Merrimack, NH 03054 4412A+5.0 ★Texas Ratio: 4.25%Real return: +2.20%APY minus 2.8% CPI (February 2026) Accelerate It Savings at 5.00% APY, and Holy Rosary Credit Union Rochester, NHHoly Rosary Credit Union Rochester, NH133 Brock St, Rochester, NH 03867A+5.0 ★Texas Ratio: 3.17%Real return: +2.20%APY minus 2.8% CPI (February 2026) Kids Savings at 5.00% APY.
Use the tables below to compare savings rates across New Hampshire side-by-side. New Hampshire savings rates currently reach as high as 10.00% APY from Service Federal Credit Union at 14 Colby Ct, Bedford, NH 03110. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in New Hampshire and the surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Savings Rates in New Hampshire
Qualifications Required: Direct deposit of net pay into Service CU account; serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided; eCommunications is required; Tier: Tier 1. Balance: $0.00. *Warriors deployed in combat zones may deposit up to $10,000 into a Service CU Deployed Warrior Savings Account which earns 10% APY (Annual Percentage Yield) up to $10,000.00. If actual daily balance exceeds $10,000, the remaining balance will receive variable APY of 10%-0.10%. Rates are variable and subject to change; accurate as of 09/08/2026. Service member must be serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided. Direct deposit of net pay is required into members Service CU account. No minimum balance is required to open the Deployed Warrior Savings Account; $5 deposit is required to open a Primary Savings Account. Monthly deposits into a Deployed Warriors Savings Account cannot exceed the amount of your monthly net military pay; however, deposits into the Deployed Warrior Savings Account may be direct deposit, an allotment, or a transfer of funds from a Service CU account. Withdrawals are not permitted from a Deployed Warrior Savings Account. If a withdrawal is made from the Deployed Warrior Savings Account before the redeployment date plus 120 days, the funds in the Deployed Warrior Savings Account will be transferred to the Primary Savings Account, and the Deployed Warrior Savings Account will be closed. The Deployed Warrior Savings Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. eCommunications is required.
Primary savings account; Qualifying balance up to $500.00; 0.05% dividend rate on balance above $500.00; Dividend rates effective as of November 1, 2024
Primary savings account; Qualifying balance up to $500.00; 0.05% dividend rate on balance above $500.00; Dividend rates effective as of November 1, 2024
On Balances Up To $1000.00
Balance: $0.00 - $500
Balance: $100.00 - $5,000.99 earns APY 5.00%; Balances $5,001.00 and above earn APY 0.20%; Requires open checking account under same membership number; Must be 22 or older; One per Social Security or Taxpayer Identification Number; Minimum Balance/Average Daily Balance: $5/$100
Balance: $5-1,000; Minimum Required to Earn APY: $5
6-Month Boost for New Customers. After 6 months, this boost will expire and your rate will revert to our standard variable APY (currently 3.80%).
Balance: $.01 - $999.99
$0-$20,000; Open Online
The APY for the GoalGetter Savings Account is 4.00% for balances up to $20,000. For total balances above $20,000, the rate is blended; the first $20,000 will earn 4.00% APY and the remaining balance will earn 0.05% APY. For example, if your GoalGetter Savings account had a daily balance of $25,000, you would earn 4.00% APY for that day on $20,000 and 0.05% APY on the remaining $5,000. Limit one account per tax reporting owner. Needham Bank Flex Checking Account required. Personal accounts only.
Promotional rate and APY on new accounts opened and funded with qualifying new money deposits. APY is accurate as of the last dividend declaration date. Lighthouse Premium Savings is a tiered-rate account; however, the promotional dividend rate and APY currently apply to all balance tiers. Dividend rates and APYs are variable and may change at any time after account opening, including by balance tier. Dividend rates and APYs may vary based on account balance. Existing Lighthouse Premium Savings account holders must open a new Lighthouse Premium Savings account with qualifying new money to participate. "New money" means funds originating from a source outside Lighthouse Credit Union ("Lighthouse") that were received by Lighthouse within the 30 days immediately preceding their deposit into the Premium Savings Account. Funds may qualify as new money regardless of the Lighthouse deposit account in which they were initially deposited, provided the funds were received by Lighthouse from an external source within that 30-day period. Deposits or transfers from another Lighthouse account, deposit product, loan, or credit card do not qualify as new money unless the funds were originally deposited to Lighthouse from an external source within that 30-day period. Dividends, fee rebates, fee refunds, and fee waivers credited by Lighthouse do not qualify as new money. Additional new money deposits may be made to the Lighthouse Premium Savings account through March 31, 2027. Beginning April 1, 2027, deposits may continue to be made to the Lighthouse Premium Savings account without restriction as to the source of funds, including both new money and funds already held at Lighthouse. There is no minimum opening deposit or minimum balance required to earn the stated APY, and there is no maximum balance limit. Fees may reduce earnings. This offer may be withdrawn or modified at any time. Membership eligibility is required. Must be or become a member of Lighthouse by maintaining at least $5 in a Lighthouse Savings account. See account disclosures and Schedule of Fees for additional terms and conditions. Deposited funds are subject to our standard funds availability policy. See your Ability to Withdraw Funds disclosure for details. Mobile check deposit is only available to members over 16 years old. Deposits are subject to our discretion. Standard Funds Availability policy applies. Please see the Mobile Deposit Disclosure and Agreement for details. Donation made by Lighthouse Federal Credit Union to the Lighthouse Foundation based on the average balance held in the Lighthouse Premium Savings account. Donation is not made on behalf of the member and will not result in any tax implications for the member.
Standard variable APY. This is the rate after the 6-month boost expires.
- Oct 6, 20263.80%▼ from 4.15%
- Sep 27, 20264.15%first recorded
Balance: $500,000.01 and over
Qualifications Required; Balance: $0.01 - $100,000.00; Limit one High Yield Savings Account per member; Qualifying direct deposit of at least $1,500 each monthly statement cycle; Base savings rate 0.05% APY if qualifications not met
Balance: Balances up to $4,999.99*
For balances of $50,000 and above. Annual Percentage Yield (APY) as of 6/25/2025. The rate and APY on these Variable Rate Accounts are subject to change at any time without notice. Fees may reduce earnings.
Balance: $0.01-$4,999.99
Balance: $500,000+; 1
- Oct 3, 20263.35%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $500,000+; 1
- Oct 3, 20263.35%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $.01 and up
- Oct 8, 20263.25%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Balance: $100,000.01 - $250,000.00
Balance: $250,000 - $499,999; 1
- Oct 3, 20263.15%▲ from 3.05%
- Sep 27, 20263.05%first recorded
Balance: $250,000 - $499,999; 1
- Oct 3, 20263.15%▲ from 3.05%
- Sep 27, 20263.05%first recorded
Balance: $250,000+
Balance: $250,000+
Balance: $50,000.00 or more; Account rate is variable and is subject to change at any time. Rates and Annual Percentage Yields effective 9/15/26
$25,000.00 - $49,999.99 balance. Annual Percentage Yield (APY) as of 6/25/2025. The rate and APY on these Variable Rate Accounts are subject to change at any time without notice. Fees may reduce earnings.
Balance: $100,000.00
Earn and Learn available to members up through age 18; APY dividend of 2.96% on balances $5.00-$2,500.00; Balances over $2,500.00 earn APY 0.20%; Minimum Balance/Average Daily Balance: $5/$5
High Yield Savings; Balance: $50,000 and above
2.80% APY for balances of $0.01 - $4,999.99; 2.80% APY for balances of $5,000 or more.
Balance: $25,000.00 - $99,999.99
Balance: $2,500-$249,999
Balance: $0.01 - $25,000.00
Balance: $100,000.00 to $249,999.99
$10,000.00 - $24,999.99 balance. Annual Percentage Yield (APY) as of 6/25/2025. The rate and APY on these Variable Rate Accounts are subject to change at any time without notice. Fees may reduce earnings.
Balance: $50,000.01 - $100,000.00
Balance: $100,000 or more
APY = Annual Percentage Yield. Rate is accurate as of the date of publication and is subject to change at any time without notice. Dividends are calculated using the daily balance method, compounded daily, and paid monthly. Fees or withdrawals may reduce earnings. Membership eligibility applies. Terms and conditions may apply.
Balance: $250,000 and Over
Balance: $100,000 - $249,999.99
Balance: $100,000 - $249,999; 1
- Oct 3, 20262.25%▲ from 2.15%
- Sep 27, 20262.15%first recorded
Balance: $100,000 - $249,999; 1
- Oct 3, 20262.25%▲ from 2.15%
- Sep 27, 20262.15%first recorded
Balance: $50,000-$99,999.99
Balance: $50,000 - $99,999.99
Balance: $0.00 to $99,999.99
$500.00 - $9,999.99 balance. Annual Percentage Yield (APY) as of 6/25/2025. The rate and APY on these Variable Rate Accounts are subject to change at any time without notice. Fees may reduce earnings.
Balance: $25,000.00
Balance: $25,000-$49,999.99
High Yield Savings; Balance: $0.00 - $49,999.99
Balance: $100 - $49,999.99
Balance: $100,000 or greater
Balance: $5,000.00 - $24,999.99
Begin Savings has no minimum balance to earn dividends. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings.
Accounts have variable rates and may change after the account is opened. Fees could reduce earnings.
Balance: $250,000+; 4th Quarter 2026
Balance: $250,000 and above; Minimum Balance to Earn APY: $250,000
Balance: $250,000 and above
Balance: $25,000.00 and over
Balance: $50,000 - $99,999; 1
- Oct 3, 20261.60%▲ from 1.50%
- Sep 27, 20261.50%first recorded
Balance: $50,000 - $99,999; 1
- Oct 3, 20261.60%▲ from 1.50%
- Sep 27, 20261.50%first recorded
Balance: $25,000.01 and over
Balance: $10,000.00
Balance: $0.01 - $50,000.00
Balance: $150,000-249,999; 4th Quarter 2026
Balance: $100,000-$249,999.99; Minimum Balance to Earn APY: $100,000
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.
New Hampshire Savings Rate Trends
Compare local New Hampshire savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Hampshire high-yield savings rates rose 0.013 points over the past 7 days to 2.180% APY, up from 2.167%.
New Hampshire standard savings rates rose 0.026 points over the past 7 days to 0.569% APY, up from 0.544%.
New Hampshire Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current NH high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 NH high-yield savings average of 2.180% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 New Hampshire.
Savings Account Earnings in New Hampshire
Annual interest earnings at current NH average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.180% APY) | Monthly Earnings | Standard Savings (0.569% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $109.00 / year | $9.08 | $28.47 / year | $2.37 |
| $10,000 | $218.00 / year | $18.17 | $56.94 / year | $4.75 |
| $25,000 | $545.00 / year | $45.42 | $142.35 / year | $11.86 |
| $50,000 | $1,090.00 / year | $90.83 | $284.70 / year | $23.72 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: New Hampshire savings rate averages as of October 13, 2026. | ||||
About Our New Hampshire Savings Rate Database
MonitorBankRates tracks 196 savings rates from 11 banks and 14 credit unions offering savings accounts to New Hampshire residents, including community institutions, regional banks, and national online options. 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: Service Federal Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in New Hampshire.
How to Find the Best Savings Rates in New Hampshire
What to compare when shopping for a savings account in New Hampshire
To find the best savings APYs in New Hampshire, start with credit unions and online-only banks: New Hampshire has 14 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current NH high-yield savings average is 2.180% but top local institutions are offering as high as 10.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. New Hampshire high-yield savings rates currently average 2.180% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at New Hampshire institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 25 institutions in New Hampshire report savings rates to our database.
- You’re among New Hampshire’s 20.1% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 New Hampshire CD rates
- You want check-writing flexibility New Hampshire money market rates
- You need daily transaction access New Hampshire checking rates
New Hampshire Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
20.1% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market; a low unemployment rate of 3.3% reflects a strong local economy with solid savings capacity. At today’s NH high-yield savings average of 2.180%, saving 10% of the local median salary ($5,241/year) would earn an additional $114 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other New Hampshire Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in New Hampshire.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NH Avg APY | 2.180% | 0.569% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects New Hampshire averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for New Hampshire
At NH’s top rate of 10.00% from Service Federal Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median New Hampshire earner is roughly $13,100. At 2.180% APY, saving $1,090/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsNew Hampshire’s high-yield savings average is 2.180% APY, variable and always accessible. 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 New Hampshire earner makes $52,410/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.180% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.180% APY grows to roughly $38,482 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 New Hampshire savings 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 Savings Rate Data: We aggregate savings account rates for New Hampshire 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 New Hampshire. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NH.
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 New Hampshire
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in New Hampshire safe?
How often do savings rates change in New Hampshire?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in New Hampshire?
How do I open a savings account in New Hampshire?
Best Savings Rates in New Hampshire
- Service Federal Credit Union
Deployed Warrior Savings Account: 10.00% APY - Jeanne D Arc Credit Union
Senior Statement Savings: 8.00% APY - DCU Digital Federal Credit Union
Primary Savings: 5.00% APY - Together Credit Union
Accelerate It Savings: 5.00% APY - Holy Rosary Credit Union Rochester, NH
Kids Savings: 5.00% APY
New Hampshire Rates & Resources
Cities in New Hampshire
