Rockland Trust Company savings account, CD and money market rates
Rockland Trust Company advertises 0.01% APY on its Free Savings account. That is 0.36 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #2775 of 2786 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2709. The advertised rate has not changed in the 6 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
Estimate your earnings·What Rockland Trust Company actually pays
Rockland Trust Company at a glance
| Savings | |
|---|---|
| Top savings APY | 0.01% · Free Savings |
| Minimum to open | $10 · Free Savings |
| Against the national average | 0.36 percentage points below the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.15% · 18 months · Select 18-Month CD |
| Minimum to open | $1,000 · 18 months CD |
| Money market | |
| Top money market APY | Up to 1.00% · Rockland Complete Money Market · needs at least $50,000 · checking account required |
| Minimum to open | $250 · Rockland Complete Money Market |
| Against the national average | 0.37 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 9712 · Rockland, MA |
|---|---|
| Website | www.rocklandtrust.com |
| Branches | 151 branches in MA, NH |
| Availability | Available in MA, NH |
Rockland Trust Company savings, CD and money market rates
How the rate applies
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Rockland Trust Company CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 4 months | 3.50% | $1,000 | 4-Month CD |
| 5 months | 2.75% | $1,000 | 5-Month CD |
| 6 months | 2.75% | $1,000 | 6-Month CD |
| 7 months | 3.75% | $1,000 | Select 7-Month CD |
| 8 months | 2.50% | $1,000 | 8-Month CD |
| 9 months | 3.75% | $1,000 | 9-Month CD |
| 10 months | 2.50% | $1,000 | 10-Month CD |
| 12 months | 4.00% | $1,000 | Select 12-Month CD |
| 13 months | 3.25% | $1,000 | 13-Month CD |
| 18 months | 4.15% | $1,000 | Select 18-Month CD |
| 24 months | 2.00% | $1,000 | 2-Year CD |
| 60 months | 2.00% | $1,000 | 5-Year CD |
Interactive Tool
Calculate Savings for Rockland Trust Company
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$3.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,003.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Rockland Trust Company pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Rockland Trust Company paid a higher average rate on savings and money market deposits than 34% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Rockland Trust Company, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Free Savings | 0.01% | $10 | $0 | None | not stated | not stated | One rate | |
| Rockland Complete Money Market | 1.00% | $250 | $0 | None | not stated | Checking account · direct deposit not stated | Tiered | |
| Fine print: If the Rockland Complete Checking account is closed, this account is changed to the bank's standard Money Market Savings account, at that account's rates and fees. | ||||||||
| Money Market Savings | 0.55% | $25 | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 4-Month CD | 4 months | 3.50% | $1,000 | not stated | not stated |
| 5-Month CD | 5 months | 2.75% | $1,000 | not stated | not stated |
| 6-Month CD | 6 months | 2.75% | $1,000 | not stated | not stated |
| Select 7-Month CD | 7 months | 3.75% | $1,000 | not stated | not stated |
| 8-Month CD | 8 months | 2.50% | $1,000 | not stated | not stated |
| 9-Month CD | 9 months | 3.75% | $1,000 | not stated | not stated |
| 10-Month CD | 10 months | 2.50% | $1,000 | not stated | not stated |
| Select 12-Month CD | 12 months | 4.00% | $1,000 | not stated | not stated |
| 13-Month CD | 13 months | 3.25% | $1,000 | not stated | not stated |
| Select 18-Month CD | 18 months | 4.15% | $1,000 | not stated | not stated |
| 2-Year CD | 24 months | 2.00% | $1,000 | not stated | not stated |
| 5-Year CD | 60 months | 2.00% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in MA, NH |
|---|---|
| Footprint | 151 branches in MA, NH |
| Eligibility | not stated |
How Rockland Trust Company behaves over time
Every observation of the advertised Free Savings rate in the last 12 months was 0.01% (observed through Oct 7, 2026). The series includes promotional tiers where one applied.
Rockland Trust Company has not changed its advertised savings rate in the 6 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
- Free Savings
- The same as 30 days ago.
- 18 months CD
- Up 1.65 percentage points from 7 days ago.
- Rockland Complete Money Market
- The same as 30 days ago.
- Rate last changed
- Oct 10, 2026(effective date)
$10,000 at the 0.01% APY Rockland Trust Company advertises on Free Savings grows to $10,001 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,672 does today. See how the federal funds rate shapes savings rates.
Rockland Trust Company CD rates over time
Who is Rockland Trust Company?
| Headquarters | Rockland, MA |
|---|---|
| Founded | 1907 |
| Scale | $25.0B assets · $20.5B deposits, $14.7B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 9712 |
| Charter state | Massachusetts · one of 91 insured banks chartered there (Q2 2026, FDIC) |
| Size | 86th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
Financial detail is in What Rockland Trust Company pays on deposits above.
Common questions about Rockland Trust Company
Is Rockland Trust Company FDIC insured?
Yes. Rockland Trust Company is FDIC insured under certificate 9712, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Rockland Trust Company?
Rockland Trust Company requires a minimum deposit of $10 to open its Free Savings account, as observed on Oct 7, 2026. Check the bank's current terms before you open an account.
Does Rockland Trust Company have branches?
Yes. Rockland Trust Company operates 151 branches according to FDIC branch records, in addition to its website and mobile apps.
Rockland Trust Company against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Rockland Trust Company | 0.01% | 1.04% | $10 | 151 branches in MA, NH |
| American Bank and Trust Company, National Association | 0.01% | 2.05% | $25 | 8 branches in IA, IL |
| BMO Bank | 0.01% | 1.61% | $25 | 987 branches across 23 states |
| Chase Bank | 0.01% | 0.85% | $0 | 5,401 branches across 49 states |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Rockland Trust Company's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Massachusetts, nearest to Rockland Trust Company in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Massachusetts.