Best Local Bank Savings and Money Market Rates in Marlborough, Massachusetts, MA June 18, 2025

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If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

Marlborough, MA - June 18, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Washington Savings Bank Washington Savings Bank Branch	50.00% 10.00%	$25,000 $10	Learn More Add Review
Rate History: 0.10% → 50.00%
Millbury National Bank Millbury National Bank Branch	5.45% 4.06% 2.69%	$502 $501 $500	Learn More Add Review
Rate History: 1.00% → 5.46% → 5.45%
Citibank, National Association Wellesley Center Branch	4.35% 0.20%	$0 $1	Learn More
Promotional rate for 3 months up to $11,000. Requires $25,000 in new deposits within 10 days of registration. After 3 month promotional period, rate reverts to between 0.03% and 0.12%. Rate History: 5.00% → 4.75% → 5.00% → 4.50% → 4.35%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (22)
Northern Bank & Trust Company Littleton Branch	4.25% 0.35%	$0 $25	Learn More Add Review
Rate History: 4.25% → 0.10% → 4.25% → 0.10% → 4.25%
Mutualone Bank Lincoln Street Branch	4.07% 0.40%	$20,000 $500	Learn More
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Fidelity Co-operative Bank Princeton Branch	4.00% 1.00% 0.30% 0.25%	$0 $1 $25 $10	Learn More
burtlaman@verizon.net \| Jun 13, 2016 I'm interested in your special sav send info Read More Reviews (1)
Needham Bank Ashland Branch	4.00% 0.15%	$50,000 $25,000	Learn More
Rate History: 4.35% → 4.00%
Shawn \| Feb 14, 2022 I had a personal checking account and a business account. All went well until I sent a polite letter pointing out that it is improper, and not good practice, to make online passwords expire. Why should ... Read More Reviews (2)
Wrentham Co-operative Bank South Street Branch	4.00%	$250,000	Learn More Add Review
Certain conditions apply. Rate History: 1.00% → 4.50% → 4.00%
Beal Bank Usa Boston Branch	3.75%	$500	Learn More
Rate History: 4.25% → 3.75%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Salem Five Cents Savings Bank Sudbury Branch	3.70% 0.10%	$50,000 $0	Learn More
Rate History: 0.01% → 3.70%
DMuessig \| Jan 8, 2018 Another bad bank! Did a hard pull just to open a checking account with no overdraft and denied me. Never even bothered to send a letter or e-mail. Now I have another inquiry on my credit report for nothin... Read More Reviews (2)
Citizens Bank, National Association Worcester Stop And Shop Branch	3.70%	$0	Learn More
Rate History: 4.50% → 4.15% → 3.90% → 3.70%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
Td Bank, National Association Auburn Branch	3.70% 2.25%	$100,000 $50,000	Learn More
Rate History: 4.00% → 3.70%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Bay State Savings Bank Mill Street Branch	3.50% 1.75% 1.25% 0.60% 0.40% 0.20%	$500 $250,000 $125,000 $25,000 $1 $0	Learn More Add Review
Rate History: 0.20% → 3.50%
Beal Bank Usa Boston Branch	3.50%	$25,000	Learn More
Rate History: 4.00% → 3.50%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Northern Bank & Trust Company Littleton Branch	3.50% 3.35% 3.25% 0.20% 0.15% 0.10% 0.05%	$250,001 $100,000 $50,001 $250,000 $50,000 $2,500 $0	Learn More Add Review
Rate History: 1.00% → 3.50%
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	3.50% 0.20%	$100,001 $10	Learn More Add Review
Rate History: 1.00% → 0.10% → 3.50%
Onelocal Bank Norwood Co-Operative Bank Branch	3.25% 3.00%	$250,000 $100,000	Learn More Add Review
Rate History: 3.75% → 3.25%
Country Bank For Savings 1084 Main Street Branch	3.04% 0.35%	$2,000,000 $100,000	Learn More Add Review
Rate History: 1.00% → 3.04%
Dedham Institution For Savings Dedham Institution For Savings Branch	3.00% 0.50% 0.05%	$100,000 $10,000 $0	Learn More Add Review
Avidia Bank Leominster Branch	3.00%	$0	Learn More
Rate History: 1.00% → 4.08% → 3.87% → 3.30% → 3.00%
sur \| Aug 16, 2019 Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More Reviews (1)
The Village Bank Wayland Branch	3.00% 1.50% 1.00% 0.75% 0.25%	$500,000 $150,000 $75,000 $25,000 $0	Learn More
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
Citizens Bank, National Association Worcester Stop And Shop Branch	3.00% 2.75%	$250,000 $25,000	Learn More
Rate History: 1.00% → 3.00%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
Capital One, National Association	2.50%	$1	Learn More
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (16)
Bristol County Savings Bank Franklin Branch	2.48% 1.21% 0.46%	$250,000 $100,000 $50,000	Learn More Add Review
Rate History: 2.52% → 2.51% → 2.50% → 2.49% → 2.48%
Eagle Bank Lexington Center Branch	2.20% 1.75% 0.05%	$1,000,000 $250,000 $250	Learn More Add Review
Rate History: 3.00% → 3.05% → 2.95% → 2.45% → 2.20%
Millbury National Bank Millbury National Bank Branch	2.00% 0.05%	$0 $10	Learn More Add Review
Rate History: 1.00% → 1.26% → 2.00%
Middlesex Savings Bank Home/Phone Banking Branch Informatio	1.65% 1.50%	$100,000 $50,000	Learn More
Rate History: 1.00% → 1.65%
Stephen Clinton \| Jan 9, 2021 Used to be a good bank!! Taking money out of my account for something I did not purchase. This is the second time they did this. They do it on Fridays knowing that no one from the Fraud Department isn't th... Read More Reviews (1)
Rockland Trust Company Milford Branch	1.50% 0.90%	$1,000,000 $25,000	Learn More
Sanshir \| Sep 14, 2023 Used them my whole life! Great little bank! Read More Reviews (3)
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	1.50%	$50,000	Learn More Add Review
Middlesex Savings Bank Home/Phone Banking Branch Informatio	1.45%	$10	Learn More
Stephen Clinton \| Jan 9, 2021 Used to be a good bank!! Taking money out of my account for something I did not purchase. This is the second time they did this. They do it on Fridays knowing that no one from the Fraud Department isn't th... Read More Reviews (1)
Unibank For Savings Willows Branch	1.25% 0.75% 0.35% 0.10%	$100,000 $50,000 $2,500 $10	Learn More Add Review
Rate History: 1.00% → 1.25%
Dean Co-operative Bank Mendon Branch	1.00% 0.12% 0.07%	$500,000 $50,000 $5,000	Learn More Add Review
Leader Bank, National Association Burlington Branch	1.00%	$10	Learn More Add Review
Stonehambank, A Co-operative Bank Billerica Branch	1.00%	$11	Learn More Add Review
The Lowell Five Cent Savings Bank Pepperell Branch	0.50% 0.35% 0.25% 0.15% 0.05%	$750,000 $500,000 $250,000 $100,000 $0	Learn More Add Review
Rate History: 1.00% → 0.50%
Rollstone Bank & Trust Fitchgate Branch	0.40% 0.20%	$60,000 $30,000	Learn More Add Review
Savers Co-operative Bank Auburn Branch	0.35% 0.20% 0.15% 0.10%	$500,000 $150,000 $50,000 $10	Learn More Add Review
Rate History: 0.35% → 3.50% → 0.35% → 3.50% → 0.35%
Rollstone Bank & Trust Fitchgate Branch	0.35%	$60,000	Learn More Add Review
The Bank Of Canton Auburn Loan Production Office Branch	0.35% 0.25% 0.10% 0.05%	$100,000 $50,000 $10 $10	Learn More Add Review
Mutualone Bank Lincoln Street Branch	0.30% 0.20%	$200,000 $10,000	Learn More
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Bay State Savings Bank Mill Street Branch	0.25% 0.15% 0.05%	$1 $25,000 $0	Learn More Add Review
Cornerstone Bank Leiceister Branch	0.25%	$10,000	Learn More Add Review
Charles River Bank Charles River Bank Branch	0.25% 0.20% 0.15% 0.10%	$10 $50,000 $15,000 $10	Learn More Add Review
Eagle Bank Lexington Center Branch	0.25% 0.10%	$500,000 $100	Learn More Add Review
Rate History: 1.00% → 0.25% → 0.30% → 0.25%
First National Bank In Frankfort	0.20%	$0	Learn More Add Review
Rockland Trust Company Milford Branch	0.20% 0.05%	$10,000 $0	Learn More
Sanshir \| Sep 14, 2023 Used them my whole life! Great little bank! Read More Reviews (3)
Eagle Bank Lexington Center Branch	0.20%	$2,500	Learn More Add Review
Rate History: 0.25% → 0.20%
Webster Five Cents Savings Bank Oxford Branch	0.20% 0.05%	$10 $10	Learn More Add Review
Rate History: 1.00% → 0.20%
Cornerstone Bank Leiceister Branch	0.20%	$2,500	Learn More Add Review
Stonehambank, A Co-operative Bank Billerica Branch	0.20% 0.15% 0.10% 0.05%	$250,000 $100,000 $25,000 $10	Learn More Add Review
Rate History: 1.00% → 0.20%
Wrentham Co-operative Bank South Street Branch	0.20%	$2,500	Learn More Add Review
Certain conditions apply.
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	0.20%	$0	Learn More Add Review
Brookline Bank Wellesley Hills Branch	0.15%	$25,000	Learn More
Bill Quinn \| Feb 21, 2015 Interesting. Is there an approximate Texas ratio for a bank at which other banks may become very interested in an acquisition. Read More Reviews (1)
Cambridge Savings Bank Acton Branch	0.15%	$10,000	Learn More
rand \| Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More Reviews (2)
Clinton Savings Bank West Boylston Branch	0.15% 0.10% 0.05%	$100,000 $25,000 $10	Learn More Add Review
Milford Federal Bank Whitinsville Branch	0.15%	$25,000	Learn More
cfcbjm \| Nov 5, 2020 Appalling customer service! Don't answer the phone, a simple credit line takes days & a mountain of paperwork - absolutely not worth the trouble! Read More Reviews (1)
Northeast Community Bank Framingham Branch Office Branch	0.15%	$2,500	Learn More Add Review
Brookline Bank Wellesley Hills Branch	0.10%	$10,000	Learn More
Bill Quinn \| Feb 21, 2015 Interesting. Is there an approximate Texas ratio for a bank at which other banks may become very interested in an acquisition. Read More Reviews (1)
Reading Co-operative Bank Burlington Office Branch	0.10% 0.05%	$100,000 $1	Learn More Add Review
Cambridge Savings Bank Acton Branch	0.10%	$2,500	Learn More
rand \| Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More Reviews (2)
Country Bank For Savings 1084 Main Street Branch	0.10%	$10	Learn More Add Review
Avidia Bank Leominster Branch	0.10% 0.03%	$0 $1	Learn More
Rate History: 0.75% → 0.01% → 0.30% → 0.20% → 0.10%
sur \| Aug 16, 2019 Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More Reviews (1)
Milford Federal Bank Whitinsville Branch	0.10%	$10,000	Learn More
cfcbjm \| Nov 5, 2020 Appalling customer service! Don't answer the phone, a simple credit line takes days & a mountain of paperwork - absolutely not worth the trouble! Read More Reviews (1)
Watertown Savings Bank Lexington Branch	0.10%	$2,500	Learn More
Denyse DuBrucq \| Jan 1, 2016 I very much prefer banking here. Everyone is so friendly and know who is calling by voice. Your help getting me through this year where I did as much as possible to launch my business, CryoRain Inc., is ... Read More Reviews (1)
Onelocal Bank Norwood Co-Operative Bank Branch	0.10%	$25,000	Learn More Add Review
The Village Bank Wayland Branch	0.05% 0.01%	$0 $2	Learn More
Rate History: 1.00% → 0.05%
Andrea \| Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More Reviews (1)
Bristol County Savings Bank Franklin Branch	0.05%	$0	Learn More Add Review
Brookline Bank Wellesley Hills Branch	0.05%	$2,500	Learn More
Bill Quinn \| Feb 21, 2015 Interesting. Is there an approximate Texas ratio for a bank at which other banks may become very interested in an acquisition. Read More Reviews (1)
Eastern Bank Westford Branch	0.05%	$10,000	Learn More
marcus \| Nov 1, 2021 worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks Read More Reviews (1)
Cambridge Savings Bank Acton Branch	0.05%	$2,500	Learn More
rand \| Apr 18, 2016 No 2% 12 month CD unless IRA. Misleading at best. Read More Reviews (2)
Cornerstone Bank Leiceister Branch	0.05%	$2,500	Learn More Add Review
Main Street Bank Lunenburg Branch	0.05%	$2,500	Learn More Add Review
Milford Federal Bank Whitinsville Branch	0.05%	$2,500	Learn More
cfcbjm \| Nov 5, 2020 Appalling customer service! Don't answer the phone, a simple credit line takes days & a mountain of paperwork - absolutely not worth the trouble! Read More Reviews (1)
Enterprise Bank And Trust Company Fitchburg Branch	0.05%	$10,000	Learn More Add Review
Watertown Savings Bank Lexington Branch	0.05%	$2,500	Learn More
Denyse DuBrucq \| Jan 1, 2016 I very much prefer banking here. Everyone is so friendly and know who is calling by voice. Your help getting me through this year where I did as much as possible to launch my business, CryoRain Inc., is ... Read More Reviews (1)
Washington Savings Bank Washington Savings Bank Branch	0.05%	$50	Learn More Add Review
Needham Bank Ashland Branch	0.05%	$10	Learn More
Shawn \| Feb 14, 2022 I had a personal checking account and a business account. All went well until I sent a polite letter pointing out that it is improper, and not good practice, to make online passwords expire. Why should ... Read More Reviews (2)
Wrentham Co-operative Bank South Street Branch	0.05%	$10	Learn More Add Review
Bank Of America, National Association Bank Of America, National Association Branch	0.04%	$2,500	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (11)
Eastern Bank Westford Branch	0.02%	$2,500	Learn More
marcus \| Nov 1, 2021 worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks Read More Reviews (1)
Clinton Savings Bank West Boylston Branch	0.02%	$10	Learn More Add Review
Enterprise Bank And Trust Company Fitchburg Branch	0.02%	$2,500	Learn More Add Review
Reading Co-operative Bank Burlington Office Branch	0.01%	$1	Learn More Add Review
Rockland Trust Company Milford Branch	0.01%	$0	Learn More
Sanshir \| Sep 14, 2023 Used them my whole life! Great little bank! Read More Reviews (3)
Salem Five Cents Savings Bank Sudbury Branch	0.01%	$10	Learn More
DMuessig \| Jan 8, 2018 Another bad bank! Did a hard pull just to open a checking account with no overdraft and denied me. Never even bothered to send a letter or e-mail. Now I have another inquiry on my credit report for nothin... Read More Reviews (2)

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

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Branches Info around Marlborough, MA - June 18, 2025

Branch	Street	City	State
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
Millbury National Bank Millbury National Bank Branch	18 Main Street	Millbury	MA
Citibank, National Association Wellesley Center Branch	84 Central Street	Wellesley	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
Millbury National Bank Millbury National Bank Branch	18 Main Street	Millbury	MA
Fidelity Co-operative Bank Princeton Branch	206 Worcester Road	Princeton	MA
Needham Bank Ashland Branch	41 Front Street	Ashland	MA
Wrentham Co-operative Bank South Street Branch	1005 South Street	Wrentham	MA
Beal Bank USA Boston Branch	161 Linden Street, Ssuite 105	Wellesley	MA
Salem Five Cents Savings Bank Sudbury Branch	19 Concord Road	Sudbury	MA
Citizens Worcester Stop And Shop Branch	940 West Boylston Street	Worcester	MA
TD Bank, National Association Auburn Branch	614 Southbridge Street	Auburn	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
Beal Bank USA Boston Branch	161 Linden Street, Ssuite 105	Wellesley	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
Country Bank for Savings 1084 Main Street Branch	1084 Main Street	Leicester	MA
Dedham Institution for Savings Dedham Institution For Savings Branch	74 Main Street	Medway	MA
Avidia Bank Leominster Branch	470 Lancaster Street	Leominster	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
Citizens Worcester Stop And Shop Branch	940 West Boylston Street	Worcester	MA
Citizens Worcester Stop And Shop Branch	940 West Boylston Street	Worcester	MA
Millbury National Bank Millbury National Bank Branch	18 Main Street	Millbury	MA
Bristol County Savings Bank Franklin Branch	365 West Central Street	Franklin	MA
TD Bank, National Association Auburn Branch	614 Southbridge Street	Auburn	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Millbury National Bank Millbury National Bank Branch	18 Main Street	Millbury	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Middlesex Savings Bank Home/Phone Banking Branch Informatio	120 Flanders Rd	Westborough	MA
Middlesex Savings Bank Home/Phone Banking Branch Informatio	120 Flanders Rd	Westborough	MA
Rockland Trust Company Milford Branch	221 Main Street	Milford	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	982 Main Street	Walpole	MA
Middlesex Savings Bank Home/Phone Banking Branch Informatio	120 Flanders Rd	Westborough	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
UniBank for Savings Willows Branch	101 Barry Road	Worcester	MA
Bristol County Savings Bank Franklin Branch	365 West Central Street	Franklin	MA
Fidelity Co-operative Bank Princeton Branch	206 Worcester Road	Princeton	MA
Dean Co-operative Bank Mendon Branch	32 Hastings Street	Mendon	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
Leader Bank, National Association Burlington Branch	50 Mall Rd	Burlington	MA
StonehamBank, A Co-operative Bank Billerica Branch	493 Boston Road	Billerica	MA
Rockland Trust Company Milford Branch	221 Main Street	Milford	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
UniBank for Savings Willows Branch	101 Barry Road	Worcester	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
Dedham Institution for Savings Dedham Institution For Savings Branch	74 Main Street	Medway	MA
The Lowell Five Cent Savings Bank Pepperell Branch	65 Groton Street	Pepperell	MA
Bristol County Savings Bank Franklin Branch	365 West Central Street	Franklin	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
Rollstone Bank & Trust Fitchgate Branch	John Fitch Highway	Fitchburg	MA
Savers Co-operative Bank Auburn Branch	38 Auburn Street	Auburn	MA
Country Bank for Savings 1084 Main Street Branch	1084 Main Street	Leicester	MA
Rollstone Bank & Trust Fitchgate Branch	John Fitch Highway	Fitchburg	MA
UniBank for Savings Willows Branch	101 Barry Road	Worcester	MA
The Bank of Canton Auburn Loan Production Office Branch	850 Southbridge Street	Auburn	MA
The Lowell Five Cent Savings Bank Pepperell Branch	65 Groton Street	Pepperell	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
Fidelity Co-operative Bank Princeton Branch	206 Worcester Road	Princeton	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
Fidelity Co-operative Bank Princeton Branch	206 Worcester Road	Princeton	MA
Cornerstone Bank Leiceister Branch	121 South Main Street	Leicester	MA
Charles River Bank Charles River Bank Branch	1 Hasting St	Mendon	MA
The Bank of Canton Auburn Loan Production Office Branch	850 Southbridge Street	Auburn	MA
The Lowell Five Cent Savings Bank Pepperell Branch	65 Groton Street	Pepperell	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
Rockland Trust Company Milford Branch	221 Main Street	Milford	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Webster Five Cents Savings Bank Oxford Branch	343 Main Street	Oxford	MA
Rollstone Bank & Trust Fitchgate Branch	John Fitch Highway	Fitchburg	MA
Savers Co-operative Bank Auburn Branch	38 Auburn Street	Auburn	MA
Cornerstone Bank Leiceister Branch	121 South Main Street	Leicester	MA
Charles River Bank Charles River Bank Branch	1 Hasting St	Mendon	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
MutualOne Bank Lincoln Street Branch	One Lincoln Street	Framingham	MA
StonehamBank, A Co-operative Bank Billerica Branch	493 Boston Road	Billerica	MA
Wrentham Co-operative Bank South Street Branch	1005 South Street	Wrentham	MA
East Cambridge Savings Bank Wal-Lex Shopping Center Branch	860 Lexington Street	Waltham	MA
Walpole Co-operative Bank Walpole Co-Operative Bank Branch	982 Main Street	Walpole	MA
Citibank, National Association Wellesley Center Branch	84 Central Street	Wellesley	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
Savers Co-operative Bank Auburn Branch	38 Auburn Street	Auburn	MA
Brookline Bank Wellesley Hills Branch	448 Washington St	Wellesley	MA
Cambridge Savings Bank Acton Branch	145 Great Road	Acton	MA
Clinton Savings Bank West Boylston Branch	306 West Boylston Street	West Boylston	MA
Milford Federal Bank Whitinsville Branch	1271 Providence Road	Whitinsville	MA
Charles River Bank Charles River Bank Branch	1 Hasting St	Mendon	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
NorthEast Community Bank Framingham Branch Office Branch	35 Edgell Road	Framingham	MA
Needham Bank Ashland Branch	41 Front Street	Ashland	MA
StonehamBank, A Co-operative Bank Billerica Branch	493 Boston Road	Billerica	MA
The Lowell Five Cent Savings Bank Pepperell Branch	65 Groton Street	Pepperell	MA
Dean Co-operative Bank Mendon Branch	32 Hastings Street	Mendon	MA
Brookline Bank Wellesley Hills Branch	448 Washington St	Wellesley	MA
Reading Co-operative Bank Burlington Office Branch	10 Wall Street	Burlington	MA
Savers Co-operative Bank Auburn Branch	38 Auburn Street	Auburn	MA
Salem Five Cents Savings Bank Sudbury Branch	19 Concord Road	Sudbury	MA
Cambridge Savings Bank Acton Branch	145 Great Road	Acton	MA
Country Bank for Savings 1084 Main Street Branch	1084 Main Street	Leicester	MA
Clinton Savings Bank West Boylston Branch	306 West Boylston Street	West Boylston	MA
UniBank for Savings Willows Branch	101 Barry Road	Worcester	MA
Avidia Bank Leominster Branch	470 Lancaster Street	Leominster	MA
Milford Federal Bank Whitinsville Branch	1271 Providence Road	Whitinsville	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
Watertown Savings Bank Lexington Branch	1075 Waltham Street	Lexington	MA
StonehamBank, A Co-operative Bank Billerica Branch	493 Boston Road	Billerica	MA
The Bank of Canton Auburn Loan Production Office Branch	850 Southbridge Street	Auburn	MA
OneLocal Bank Norwood Co-Operative Bank Branch	11 Central Street	Norwood	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Charles River Bank Charles River Bank Branch	1 Hasting St	Mendon	MA
Dean Co-operative Bank Mendon Branch	32 Hastings Street	Mendon	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA
Bristol County Savings Bank Franklin Branch	365 West Central Street	Franklin	MA
Bay State Savings Bank Mill Street Branch	275 Mill Street	Worcester	MA
Millbury National Bank Millbury National Bank Branch	18 Main Street	Millbury	MA
Reading Co-operative Bank Burlington Office Branch	10 Wall Street	Burlington	MA
Brookline Bank Wellesley Hills Branch	448 Washington St	Wellesley	MA
Eastern Bank Westford Branch	203 Littleton Road	Westford	MA
Rockland Trust Company Milford Branch	221 Main Street	Milford	MA
Dedham Institution for Savings Dedham Institution For Savings Branch	74 Main Street	Medway	MA
Eagle Bank Lexington Center Branch	1768 Massachusetts Avenue	Lexington	MA
Cambridge Savings Bank Acton Branch	145 Great Road	Acton	MA
Webster Five Cents Savings Bank Oxford Branch	343 Main Street	Oxford	MA
Clinton Savings Bank West Boylston Branch	306 West Boylston Street	West Boylston	MA
Cornerstone Bank Leiceister Branch	121 South Main Street	Leicester	MA
Main Street Bank Lunenburg Branch	947 Massachusetts Avenue Branch	Lunenburg	MA
Milford Federal Bank Whitinsville Branch	1271 Providence Road	Whitinsville	MA
Enterprise Bank and Trust Company Fitchburg Branch	420 John Fitch Highway	Fitchburg	MA
Watertown Savings Bank Lexington Branch	1075 Waltham Street	Lexington	MA
Washington Savings Bank Washington Savings Bank Branch	30 Middlesex Street	Lowell	MA
Needham Bank Ashland Branch	41 Front Street	Ashland	MA
StonehamBank, A Co-operative Bank Billerica Branch	493 Boston Road	Billerica	MA
Wrentham Co-operative Bank South Street Branch	1005 South Street	Wrentham	MA
The Lowell Five Cent Savings Bank Pepperell Branch	65 Groton Street	Pepperell	MA
The Bank of Canton Auburn Loan Production Office Branch	850 Southbridge Street	Auburn	MA
Northern Bank & Trust Company Littleton Branch	265 Great Road	Littleton	MA
Bank of America, National Association Bank Of America, National Association Branch	324 Main Street	Oxford	MA
Avidia Bank Leominster Branch	470 Lancaster Street	Leominster	MA
Eastern Bank Westford Branch	203 Littleton Road	Westford	MA
Clinton Savings Bank West Boylston Branch	306 West Boylston Street	West Boylston	MA
Enterprise Bank and Trust Company Fitchburg Branch	420 John Fitch Highway	Fitchburg	MA
Reading Co-operative Bank Burlington Office Branch	10 Wall Street	Burlington	MA
Rockland Trust Company Milford Branch	221 Main Street	Milford	MA
Salem Five Cents Savings Bank Sudbury Branch	19 Concord Road	Sudbury	MA
The Village Bank Wayland Branch	62 Boston Post Road	Wayland	MA

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES

Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

Find a bank with a location convenient to you. Location counts.
Choose a bank with good rates. Rates are important to get continued growth of your capital.
Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.