Dover, New Hampshire Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Dover, New Hampshire and the surrounding area include Holy Rosary Credit Union Rochester, NHHoly Rosary Credit Union Rochester, NH490 Central Ave, Dover, NH 03820A+5.0 ★Texas Ratio: 1.04%Real return: +2.20%APY minus 2.8% CPI (February 2026) Kids Savings at 5.00% APY, Profile BankProfile Bank538 Central Ave, Dover, NH 03820A+5.0 ★Texas Ratio: 0.11%Real return: -1.54%APY minus 2.8% CPI (February 2026) Health Savings Account at 1.26% APY, Lighthouse Credit UnionLighthouse Credit Union9 Members Way, Dover, NH 03820A+5.0 ★Texas Ratio: 2.64%Real return: -1.80%APY minus 2.8% CPI (February 2026) Lighthouse Premium Savings at 1.00% APY, Newburyport BankNewburyport Bank836 Central Ave, Dover, NH 03820A-4.9 ★Texas Ratio: 16.86%Real return: -2.65%APY minus 2.8% CPI (February 2026) Statement Savings at 0.15% APY, and Kennebunk Savings BankKennebunk Savings Bank701 Central Ave, Dover, NH 03820A+5.0 ★Texas Ratio: 0.98%Real return: -2.70%APY minus 2.8% CPI (February 2026) Harbor Savings at 0.10% APY.
Dover has 25 local institutions in our database, with savings rates as high as 5.00% APY from Holy Rosary Credit Union Rochester, NH at 490 Central Ave, Dover, NH 03820. Use the table below to compare all available offers, including options from institutions serving the broader New Hampshire area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Dover, New Hampshire and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Dover, New Hampshire & Surrounding Communities
Balance: $5-1,000
Balance: $5-$1,000
Balance: $0.00-$500.00
Balance: $10,000 - $10,000
Balance: $2,500 - $2,500
The Annual Percentage Yield (APY) is 0.15% as of 09/20/2026. Fees may reduce earnings.
Balance: $100,000.00 and above
Balance: $0 - $5
Balance: $50,000.00-$99,999.99
Balance: $25,000.00-$49,999.99
Balance: $1,000+
Balance: $1,000+
Balance: $0.01-$9,999.99
Balance: All Balances
Balance: All balances
Qualifications Required: Direct deposit of net pay is required into members Service CU account.; 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.
APY=Annual Percentage Yield. 8.00% APY will be paid on the balance in your account up to the first $500.00. A dividend rate of 0.05% will be paid on the remaining balance in your account that exceeds $500.00 with a $500.01 balance earning a 8.00% APY and a $1,000.00 balance earning a 4.193% APY, as examples. Requires a $5.00 minimum balance to open the account. Fees could reduce earnings. All new Jeanne D'Arc Credit Union members will have one of their consumer savings accounts (except retirement statement savings) automatically designated as their primary savings account to receive these special terms. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. The M3TM Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of November 1, 2024. All rates are subject to change, after account opening, without notice.
APY=Annual Percentage Yield. 8.00% APY will be paid on the balance in your account up to the first $500.00. A dividend rate of 0.05% will be paid on the remaining balance in your account that exceeds $500.00 with a $500.01 balance earning a 8.00% APY and a $1,000.00 balance earning a 4.193% APY, as examples. Requires a $5.00 minimum balance to open the account. Fees could reduce earnings. All new Jeanne D'Arc Credit Union members will have one of their consumer savings accounts (except retirement statement savings) automatically designated as their primary savings account to receive these special terms. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. The M3TM Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of November 1, 2024. All rates are subject to change, after account opening, without notice.
On Balances Up To $1000.00
Balance: $0.00 - $500
Accelerate It Savings2: APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. You must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
APY 4.07%
$0-$20,000
Balance: $0.00 - $20,000.00; 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. Limit one account per tax reporting owner. Needham Bank Flex Checking Account required. Personal accounts only.
Balance: $500,000.01 and above
Qualifications Required: 1 direct deposit or ACH credit totaling at least $1,500 during each monthly statement cycle; maintain an existing or open a St. Mary's Bank checking account (minimum $10 to open); Balances of $0.01 - $100,000.00 earn 3.65% APY. Limit one High Yield Savings Account per member.
Balances up to $4,999.99; Balance: $0.01 - $4,999.99
Balance: $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
1
Balance: $100,000.01 - $250,000.00
Balance: $250,000+
1
APY 3.05%
Balance: $250,000+
Balance: $50,000.00 or more; Fees could reduce earnings. Account rate is variable and is subject to change at any time. Rates and Annual Percentage Yields effective 9/1/26
Balance: $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.
APY 3.00%
Earn & Learn Savings3: APY dividend of 2.96% is earned on balances $5.00- $2,500.00. Balances over $2,500.00 and above will receive APY of 0.20%. Rate offers accurate as of 02/13/2026. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
High Yield Savings; Balance: $50,000 and above; APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Rates subject to change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. Fees may reduce earnings.
APY 2.75%
Balance: $0.01 - $24,999.99
Balance: $50,000.01 - $100,000.00
Balance: $100,000 or more
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.
Dover, NH Savings Rate Trends
Compare local Dover, NH 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 0.110 points over the past 7 days to 1.968% APY, up from 1.858%.
New Hampshire standard savings rates rose 0.013 points over the past 7 days to 0.814% APY, up from 0.801%.
Dover, 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 2026–2027.
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 1.968% 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 60–90 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 Dover, New Hampshire.
Savings Account Earnings in Dover, 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 (1.968% APY) | Monthly Earnings | Standard Savings (0.814% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.41 / year | $8.20 | $40.68 / year | $3.39 |
| $10,000 | $196.82 / year | $16.40 | $81.36 / year | $6.78 |
| $25,000 | $492.05 / year | $41.00 | $203.40 / year | $16.95 |
| $50,000 | $984.10 / year | $82.01 | $406.80 / year | $33.90 |
| 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: Dover, New Hampshire savings rate averages as of September 22, 2026. | ||||
About Our Dover, New Hampshire Savings Rate Database
MonitorBankRates found 6 institutions with branches in Dover (4 banks, 2 credit unions), plus 16 additional state-chartered and national online institutions available to Dover residents. 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 (1–5), 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: Holy Rosary Credit Union Rochester, NH offers a savings account at 5.00% APY. Use the rate table above to compare all current offers in Dover, New Hampshire.
How to Find the Best Savings Rates in Dover, New Hampshire
What to compare when shopping for a savings account in Dover, New Hampshire
To find the best savings APYs in Dover, New Hampshire, start with credit unions and online-only banks: Dover, New Hampshire has 10 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 1.968% but top local institutions are offering as high as 5.00%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Dover, New Hampshire high-yield savings rates currently average 1.968% APY, far above a typical checking account.
- Short-term savings goals (6–24 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 Dover, New Hampshire institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 22 institutions in Dover, New Hampshire report savings 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 → Dover, New Hampshire CD rates
- You want check-writing flexibility → Dover, New Hampshire money market rates
- You need daily transaction access → Dover, New Hampshire checking rates
Dover, New Hampshire Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
16.8% of residents are 65 or older, below the national average of 17.3%. At today’s NH high-yield savings average of 1.968%, saving 10% of the local median salary ($5,395/year) would earn an additional $106 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Dover, New Hampshire Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Dover, New Hampshire.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NH Avg APY | 1.968% | 0.814% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $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 Dover, New Hampshire averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Dover, New Hampshire
At NH’s top rate of 5.00% from Holy Rosary Credit Union Rochester, NH, 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 Dover, New Hampshire earner is roughly $13,500. At 1.968% APY, saving $1,120/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 1.968% 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 Dover, New Hampshire earner makes $53,955/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.968% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.968% APY grows to roughly $36,918 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 Dover, 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 Dover, 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 Dover, 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 Dover, New Hampshire
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Dover, New Hampshire safe?
How often do savings rates change in Dover, 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 Dover, New Hampshire?
How do I open a savings account in Dover, New Hampshire?
Best Savings Rates in Dover, New Hampshire
- Holy Rosary Credit Union Rochester, NH
Kids Savings: 5.00% APY - Profile Bank
Health Savings Account: 1.26% APY - Lighthouse Credit Union
Lighthouse Premium Savings: 1.00% APY - Newburyport Bank
Statement Savings: 0.15% APY - Kennebunk Savings Bank
Harbor Savings: 0.10% APY
Dover, New Hampshire Rates & Resources
