Highest Club Savings Account Rates in Massachusetts
22 Massachusetts-specific products
The Massachusetts market
Massachusetts accounts
22
Institutions
17
Top Massachusetts APY
3.00% APY
FDIC national average
0.37%
As of Sep 2026
22 club savings accounts are open only to Massachusetts residents, from 17 institutions. The highest advertised APY among them is 3.00%.
4 of the 22 Massachusetts club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Massachusetts-Specific Club Savings Accounts
Club Savings accounts specifically available to Massachusetts residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #2 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #3 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #4 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #5 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #6 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #7 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #8 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #9 | Show Details | +$7per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #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 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #13 | Show Details | +$5per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #14 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #15 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #16 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #17 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #18 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #19 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #20 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #21 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #22 | Show Details | +$1per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $10 |
Reading Co-operative Bank
Online Christmas Savings
What to Watch
The balance is disbursed every October by check or internal transfer. Transfers out of the account, to another account or to a third party, are not permitted; only transfers in are.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 26620) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Winchester Co-operative Bank
Club Savings Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27238) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Stoughton Co-operative Bank
Christmas Club
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: 26513) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Stoughton Co-operative Bank
Vacation Club
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: 26513) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Cape Ann Savings Bank
Christmas Club Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90203) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Methuen Co-operative Bank
Club Accounts
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 26512) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Bank of Canton
Holiday Club
What to Watch
The balance is paid out by check in early October each year, and interest is credited once a year at maturity. Any withdrawal before maturity closes the account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90175) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Washington Savings Bank
Christmas Club
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: 90229) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Dean Co-operative Bank
Club Savings
What to Watch
Each October the balance is transferred to a checking account or mailed as a check.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27269) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
TruNorth Bank
Club Accounts
What to Watch
Partial withdrawals are not allowed. In April or October the entire balance and its interest are paid out, either by check or by transfer to another account of your choice.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90188) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bankhometown
Club Savings
What to Watch
Partial withdrawals are not allowed. In April or October the entire balance, including interest, is mailed to you by check or transferred to another account of your choice.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 26523) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bluestone Bank
Holiday Club
What to Watch
The balance is paid out by check at maturity in October, and the account renews for another year unless it is cancelled in writing. Closing the account early, or withdrawing part of it before maturity, forfeits the accrued interest and costs a $10.00 fee.
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: 90169) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Charles River Bank
Holiday Account
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $2 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 26602) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Coastal Heritage Bank
Seasonal Fall Savings
What to Watch
The accumulated savings are sent to you, or transferred to an account you choose, in October.
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: 26591) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Coastal Heritage Bank
Seasonal Spring Savings
What to Watch
The accumulated savings are sent to you, or transferred to an account you choose, in April.
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: 26591) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Florence Bank
Club Account
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: 23293) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Middlesex Federal Savings, F.A.
Club Account
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: 28368) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
North Brookfield Savings Bank
Holiday Club 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
North Brookfield Savings Bank
Vacation Club 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
Washington Savings Bank
Vacation Club
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: 90229) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Savings Bank
Holiday Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90291) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Reading Co-operative Bank
Online Vacation Savings
What to Watch
Needs a $25 monthly transfer from an RCB checking or statement savings account to earn the stated APY. Pays out in 4 to 12 months. An early withdrawal or two missed transfers in a row can close it.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 26620) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |