Highest Money Market Rates in Massachusetts
81 Massachusetts-specific accounts
Top Massachusetts Rate:4.00% APYFDIC or NCUA Insured
The Massachusetts market
Massachusetts accounts
81
Institutions
47
Top Massachusetts APY
4.00% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
81 money market accounts are open only to Massachusetts residents, from 47 institutions. The highest advertised APY among them is 4.00%.
The highest nationally available rate is 4.00% APY, the same as the Massachusetts leader.
43 of the 81 Massachusetts money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Massachusetts-Specific Money Market Accounts
Money market accounts specifically available to Massachusetts residents.
| Institution | Product / Term | APY |
|---|---|---|
| Salem Five Cents Savings Bank | Club Five Money Marketneeds at least $100,000 · needs a linked account at the bank | Up to4.00% |
| North Easton Savings Bank | Signature Money Marketneeds a linked account at the bank and at least $250,000.01 · 2.00% without the linked account | Up to3.75% |
| Wrentham Co-operative Bank | Premier Money Marketneeds at least $250,000 | 3.70% |
| Needham Bank | Premium Money Marketneeds at least $50,000 · needs a linked account at the bank | Up to3.50% |
| Needham Bank | Super Saver Money Marketneeds at least $50,000 · needs a linked account at the bank | Up to3.50% |
| Eagle Bank | Platinum Money Market | 3.49% |
| Millbury National Bank | Platinum Money Market | 3.42% |
| Savers Co-operative Bank | Ultra Money Market Specialneeds at least $500,000 · needs a linked account at the bank | Up to3.25% |
| The Cooperative Bank | TCB Premier Money Marketneeds at least $100,000 | Up to3.15% |
| Bank of Easton | Advantage Money Market Accountneeds at least $250,000 · needs a linked account at the bank | Up to3.09% |
| Bay State Savings Bank | Revolution Money Marketneeds at least $1,000,000 | Up to3.00% |
| Bluestone Bank | Personal Tiered Money Marketneeds at least $125,000 | Up to3.00% |
| Dedham Institution for Savings | Premium Money Market Accountneeds at least $10 · promotional rate | Up to3.00% |
| Liberty Bank | Money Market Specialneeds at least $250,000 | Up to3.00% |
| Reading Co-operative Bank | Cash Booster Account | 3.00% |
| Washington Savings Bank | High Yield Online Money Market | 2.83% |
| North Easton Savings Bank | Main Street Money Market Specialneeds at least $250,000.01 | Up to2.78% |
| The Village Bank | Village Money Market Accountneeds at least $500,000 | Up to2.75% |
| The National Grand Bank of Marblehead | Money Market Deposit Accountneeds at least $1,000,000 | Up to2.50% |
| Millbury National Bank | Gold Money Market | 2.47% |
| Salem Five Cents Savings Bank | Classic Five Money Marketneeds at least $50,000 | Up to2.40% |
| Salem Five Cents Savings Bank | Gold Star Money Marketneeds at least $50,000 | Up to2.40% |
| Salem Five Cents Savings Bank | Retirement Money Marketneeds at least $10,000 | 2.40% |
| Winchester Co-operative Bank | Money Market Deposit Account | 2.30% |
| Cape Ann Savings Bank | Lighthouse Personal Money Market Accountneeds at least $1,000,000 | 2.27% |
| Cape Ann Savings Bank | Money Market Accountneeds at least $250,000 | Up to2.02% |
| BankGloucester | Premier Plus Money Marketneeds at least $250,000 | Up to2.00% |
| Marblehead Bank | Money Marketneeds at least $1,000,000 | Up to2.00% |
| Seamen's Bank | Money Marketneeds at least $50,000 | Up to2.00% |
| South Shore Bank | High-Yield Money Marketneeds at least $100,000 | Up to2.00% |
| Greenfield Co-operative Bank | Locally Grown Money Marketneeds at least $100,000 | Up to1.61% |
| UniBank for Savings | Tiered Rate Money Market Accountneeds at least $100,000 | Up to1.60% |
| Millbury National Bank | Everyday Money Market | 1.51% |
| Walpole Co-operative Bank | Money Market Accountneeds at least $50,000 | Up to1.50% |
| Bay State Savings Bank | Consumer Tiered Money Marketneeds at least $250,000 | Up to1.40% |
| Northern Bank & Trust Company | Northern Money Market Premier Accountneeds at least $250,000 | 1.40% |
| Pentucket Bank | Money Marketneeds at least $500,000 | Up to1.31% |
| MountainOne Bank | VISTA Personal Money Marketneeds at least $100,000 | Up to1.25% |
| MountainOne Bank | Pinnacle Money Marketneeds at least $100,000 | Up to1.15% |
| The Savings Bank | Consumer Money Marketneeds at least $1,000,000 | Up to1.01% |
| Dean Co-operative Bank | Premium Money Marketneeds at least $500,000 | Up to1.00% |
| Methuen Co-operative Bank | Money Marketneeds at least $2,000,000 | Up to1.00% |
| Rockland Trust Company | Rockland Complete Money Marketneeds at least $50,000 · needs a linked account at the bank | Up to1.00% |
| Rockland Trust Company | Money Market Savingsneeds at least $50,000 | Up to0.55% |
| Dedham Institution for Savings | Preferred Money Market Accountneeds at least $10 · promotional rate | Up to0.50% |
| Florence Bank | Performance Money Market Accountneeds at least $100,000 · needs a linked account at the bank | Up to0.40% |
| Middlesex Federal Savings, F.A. | Personal Money Marketbalances of $50,000 to $2,999,999.99 only | Up to0.40% |
| Savers Co-operative Bank | Tiered Money Market Accountneeds at least $500,000 | Up to0.35% |
| The Bank of Canton | Personal Money Marketneeds at least $100,000 | Up to0.35% |
| TruNorth Bank | Get More Tiered Money Marketneeds at least $1,000,000 | Up to0.30% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Massachusetts.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |