Highest Business Savings Account Rates in Massachusetts
15 Massachusetts-specific products
The Massachusetts market
Massachusetts accounts
15
Institutions
10
Top Massachusetts APY
3.25% APY
Nationally: 3.90% APY
FDIC national average
0.37%
As of Sep 2026
15 business savings accounts are open only to Massachusetts residents, from 10 institutions. The highest advertised APY among them is 3.25%.
The highest nationally available rate is 3.90% APY, 65 basis points above the Massachusetts leader.
5 of the 15 Massachusetts business savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Massachusetts-Specific Business Savings Accounts
Business Savings accounts specifically available to Massachusetts residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Millbury National Bank Business Saver Up to3.25%APY On balances up to $100,000 · 0.40% above Observed: Oct 7, 2026 Show Details | +$325per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredRequires Linked Account Features No MinimumsIn-Person Access | N/A | |
| #2 | The Camden National Bank Business High-Yield Savings Account Up to3.00%APY Needs at least $250,000 Observed: Oct 7, 2026 Show Details | +$200per yearEffective: 2.00% | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $100 | |
| #3 | Institution for Savings in Newburyport and Its Vicinity Business Titanium Savings Up to0.50%APY Needs at least $10,000 No min. balance for APY Observed: Oct 13, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredRequires High Minimum Features In-Person Access | $10,000 | |
| #4 | Institution for Savings in Newburyport and Its Vicinity Business Statement Savings 0.25%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #5 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #6 | Monson Savings Bank Business Statement Savings Up to0.30%APY Needs at least $100,000 Min. balance: $10 Observed: Oct 7, 2026 Show Details | +$15per yearEffective: 0.15% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #7 | Show Details | +$15per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #8 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #9 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #10 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #11 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #12 | The Camden National Bank Business Savings Account Up to0.05%APY Needs at least $100,000 Observed: Oct 7, 2026 Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #13 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 |
Millbury National Bank
Business Saver
On balances up to $100,000 · 0.40% above
What to Watch
The top rate covers up to $100,000 in a cycle with 10 debit card purchases, 1 ACH payment and e-statements on a linked Everyday Business Cash Back or Plus account. Other cycles earn the base rate.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2616) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Camden National Bank
Business High-Yield Savings Account
Needs at least $250,000
What to Watch
Needs a Camden National Bank business checking account while this account is open. Deposits must be new money, not transfers from other accounts at the bank. Public fund accounts are excluded.
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4255) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Institution for Savings in Newburyport and Its Vicinity
Business Titanium Savings
Needs at least $10,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $10,000 |
| Min. Balance | $0.01 |
| Maintenance Fee | A minimum balance of $10,000 is required to open and avoid a $10 monthly service charge. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90250) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Institution for Savings in Newburyport and Its Vicinity
Business Statement Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $0.01 |
| Maintenance Fee | A minimum balance of $1000 is required to open and avoid a $10 monthly service charge. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90250) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Marblehead Bank
Business Statement Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90234) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Monson Savings Bank
Business Statement Savings
Needs at least $100,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90245) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
OneUnited Bank
UNITY Choice Savings
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 23966) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Bank of Canton
Business Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90175) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
North Brookfield Savings Bank
Business Savings
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| Min. Deposit | $10 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90258) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
North Brookfield Savings Bank
Municipal Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90258) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Wrentham Co-operative Bank
Business Savings
What to Watch
To open an account you must reside in Bristol County or Norfolk County, Massachusetts, or in the town of Cumberland, Rhode Island.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 26576) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Camden National Bank
Business Savings Account
Needs at least $100,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4255) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Bank of America
Business Advantage Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Nationally Available Business Savings Accounts
The 8 highest-rate business savings accounts available nationwide, including in Massachusetts.
| Institution | Product / Term | APY |
|---|---|---|
| Prime Alliance Bank | Business Savings Accountneeds at least $200,000 | Up to3.90% |
| Climate First Bank | Super Savings | 3.56% |
| Axos Bank | Business Premium Savings | 3.50% |
| Capital One | Business Savings Account | 3.50% |
| Live Oak Bank | Business Savings | 2.75% |
| TAB Bank | Business Savings | 0.25% |
| Chase Bank | Chase Business Total Savingsneeds a linked account at the bank | 0.01% |
| Chase Bank | Chase Business Premier Savingsneeds a linked account at the bank | 0.01% |