Rochester, New Hampshire Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Rochester, New Hampshire savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Rochester, New Hampshire and the surrounding area include Service Federal Credit UnionService Federal Credit Union90 S Main St, Rochester, NH 03867A-4.9 ★Texas Ratio: 16.25%Real return: +7.20%APY minus 2.8% CPI (February 2026) Deployed Warrior Savings at 10.00% APY, 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, MVSBMVSB21 Farmington Rd, Rochester, NH 03867A+5.0 ★Texas Ratio: 3.52%Real return: +0.60%APY minus 2.8% CPI (February 2026) High Yield Savings at 3.40% APY, Citizens AccessCitizens Access90 N Main St, Rochester, NH 03867A+5.0 ★Texas Ratio: 5.44%Real return: +0.00%APY minus 2.8% CPI (February 2026) Savings account at 2.80% APY, and Profile BankProfile Bank45 Wakefield St, Rochester, NH 03867A+5.0 ★Texas Ratio: 0.11%Real return: -1.54%APY minus 2.8% CPI (February 2026) Health Savings Account at 1.26% APY.
Rochester has 54 local institutions in our database, with savings rates as high as 10.00% APY from Service Federal Credit Union at 90 S Main St, Rochester, NH 03867. 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 Rochester, New Hampshire and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Rochester, New Hampshire & Surrounding Communities
Tier 1; Balance: $0.00 - $10,000.00; for service members deployed in combat zones; contact us to determine eligibility; direct deposit of net pay required; withdrawals not permitted
Balance: $0.00 - $500; Dividends paid on daily balances up to $500; variable APY of 5.00%
Balance: $5-1,000; Minimum Required to Earn APY: $5
Balance: $0.00 - $25,000.00; Tier 1; Relationship APY requires qualifying direct deposit into checking
Balance: $0.01 - $4,999.99; Variable APY, subject to change without notice
Balance: $0.00-$500.00
Balance: $5 minimum; For saving toward purchase of a home; Must be 18 or older; Funds must be on deposit for minimum of 6 months; $25.00 fee for withdrawals not used for HRCU mortgage fees
Effective 10-13-2026; Must be opened at a GSCU branch; In-Branch Only
Balance: $100,000 minimum to earn APY; Effective 10-13-2026
Minimum Required to Earn APY: $100,000; Effective 10-13-2026
Balance: $25,000.00 and over
Call To Get Started; minimum daily balance $50.00
Call To Get Started; minimum daily balance $50.00
Balance: $50 minimum average daily balance required to earn APY; No minimum deposit required to open the account; Dividends calculated on daily balance method and credited on the last day of each month
Balance: $50,000 minimum to earn APY; Effective 10-13-2026
Minimum Required to Earn APY: $50,000; Effective 10-13-2026
Balance: $25,000 minimum to earn APY; Effective 10-13-2026
Minimum Required to Earn APY: $25,000; Effective 10-13-2026
Balance: $10,000.00 - $24,999.99
Balance: $10,000 minimum to earn APY; Effective 10-13-2026
Minimum Required to Earn APY: $10,000; Effective 10-13-2026
Balance: $2,500 minimum to earn APY; Effective 10-13-2026
Minimum Required to Earn APY: $2,500; Effective 10-13-2026
Balance: $2,500.00 - $9,999.99
Balance: $500 minimum to earn APY; Effective 10-13-2026
Effective 10-13-2026; Dividends compounded monthly and credited monthly
Minimum Required to Earn APY: $10; Effective 10-13-2026
Effective 10-13-2026; Dividends compounded monthly and credited monthly; Rate may change after account is opened
Balance: $1,000+; Minimum Required to Earn APY: $1,000+
Effective Date: 10/13/2026
Balance: $0.01 - $499.99
Balance: All Balances
Balance: All balances
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
Qualifying balance up to $1000.00; Monthly Fee $0.00
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
Boosted APY = 3.80% standard variable APY + 0.35% 6-month APY Boost for new customers; boost expires after 6 months and reverts to standard variable APY; open by 11/03/26; limited-time offer, new Openbank customers only
Balance: $.01 - $999.99
Balance: $0-$20,000; Open Online
Standard variable APY; variable-rate account, subject to change at Openbank's discretion without notice; Personal accounts only
- Oct 6, 20263.80%▼ from 4.15%
- Sep 27, 20264.15%first recorded
Balance: $500,000.01 and over
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: $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: $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
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.
Rochester, NH Savings Rate Trends
Compare local Rochester, 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 0.025 points over the past 7 days to 2.177% APY, up from 2.152%.
New Hampshire standard savings rates currently average 0.540% APY based on data from institutions in our monitoring network.
Rochester, 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 2.177% 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 Rochester, New Hampshire.
Savings Account Earnings in Rochester, 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 (2.177% APY) | Monthly Earnings | Standard Savings (0.540% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $108.84 / year | $9.07 | $27.02 / year | $2.25 |
| $10,000 | $217.68 / year | $18.14 | $54.03 / year | $4.50 |
| $25,000 | $544.20 / year | $45.35 | $135.08 / year | $11.26 |
| $50,000 | $1,088.40 / year | $90.70 | $270.15 / year | $22.51 |
| 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: Rochester, New Hampshire savings rate averages as of October 14, 2026. | ||||
About Our Rochester, New Hampshire Savings Rate Database
MonitorBankRates found 8 institutions with branches in Rochester (4 banks, 4 credit unions), plus 11 additional state-chartered and national online institutions available to Rochester 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 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 Rochester, New Hampshire.
How to Find the Best Savings Rates in Rochester, New Hampshire
What to compare when shopping for a savings account in Rochester, New Hampshire
To find the best savings APYs in Rochester, New Hampshire, start with credit unions and online-only banks: Rochester, New Hampshire has 8 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 2.177% 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. Rochester, New Hampshire high-yield savings rates currently average 2.177% 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 Rochester, New Hampshire institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 19 institutions in Rochester, New Hampshire report savings rates to our database.
- You’re among Rochester, New Hampshire’s 19.6% 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 Rochester, New Hampshire CD rates
- You want check-writing flexibility Rochester, New Hampshire money market rates
- You need daily transaction access Rochester, New Hampshire checking rates
Rochester, New Hampshire Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
19.6% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy with solid savings capacity. At today’s NH high-yield savings average of 2.177%, saving 10% of the local median salary ($4,519/year) would earn an additional $98 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Rochester, New Hampshire Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Rochester, New Hampshire.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NH Avg APY | 2.177% | 0.540% | 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 Rochester, New Hampshire 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.
Savings Calculators for Rochester, 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 Rochester, New Hampshire earner is roughly $11,300. At 2.177% APY, saving $940/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 2.177% 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 Rochester, New Hampshire earner makes $45,193/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.177% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.177% APY grows to roughly $38,458 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 Rochester, 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 Rochester, 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 Rochester, 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 Rochester, New Hampshire
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Rochester, New Hampshire safe?
How often do savings rates change in Rochester, 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 Rochester, New Hampshire?
How do I open a savings account in Rochester, New Hampshire?
Best Savings Rates in Rochester, New Hampshire
- Service Federal Credit Union
Deployed Warrior Savings: 10.00% APY - Holy Rosary Credit Union Rochester, NH
Kids Savings: 5.00% APY - MVSB
High Yield Savings: 3.40% APY - Citizens Access
Savings account: 2.80% APY - Profile Bank
Health Savings Account: 1.26% APY
Rochester, New Hampshire Rates & Resources
