Best Checking Accounts & Rates in Massachusetts - June 2026
Brian McKay
Brian McKay
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The best checking rates for Massachusetts include Baxter Credit UnionBaxter Credit Union100 Boston Scientific Way, Marlborough, MA 01752A5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking at 8.00% APY, Workers Federal Credit UnionWorkers Federal Credit Union815 Main St, Fitchburg, MA 01420A5.0 ★Texas Ratio: 8.41% Advantage High Interest Checking at 4.50% APY, BankGloucesterBankGloucester160 Main St, Gloucester, MA 01930B+4.7 ★Texas Ratio: 19.12% Elite Reward Checking at 4.06% APY, Lee BankLee Bank75 Park St, Lee, MA 01238A+5.0 ★Texas Ratio: 4.10% EMPOWER Rewards Checking at 4.00% APY, and Pentucket BankPentucket Bank1 Merrimack St, Haverhill, MA 01830A+5.0 ★Texas Ratio: 0.68% Rewards Checking at 4.00% APY. Checking account rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Massachusetts side-by-side. Massachusetts checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 100 Boston Scientific Way, Marlborough, MA, 01752. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Massachusetts. Checking Account Rates Last Updated and Verified: June 16, 2026
Compare Checking Account Rates Today in Massachusetts
Massachusetts Checking Account Rates
Marlborough, MA 01752
Level 2 on balances up to $15000
Fitchburg, MA 01420
Minimum to Open Online: $5
Gloucester, MA 01930
Qualifications Required: FIFTEEN (15) Debit Card purchases post and clear; ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Variable rate, may change after account is opened. For balances over $25,000.00 APY may vary between 4.06%-0.25%. Fees may reduce earnings. Limited time offer. For full terms & conditions, visit: BankGloucester.com/disclosures.
Lee, MA 01238
Qualifications Required: If qualifications are met; Qualifying balance up to $10,000.00; If qualifications are met
Marlborough, MA 01752
Level 1 on balances up to $15000
Haverhill, MA 01830
Qualifying balance up to $15,000.00
Newburyport, MA 01950
4.00% to 0.01% APY
Worcester, MA 01607
Tiered rate; Rate: .01% on balances $0.00-$1,000.00
Rockland, MA 02370
No additional details provided.
EAST BOSTON, MA 02128 1864
No additional details provided.
Florence, MA 01062
No additional details provided.
North Brookfield, MA 01535
No additional details provided.
Lowell, MA 01852
No additional details provided.
South Easton, MA 02375
No additional details provided.
Southbridge, MA 01550
Qualifications Required: 1.95% rate; 2.00% APY; If qualifications are met.
New Bedford, MA 02740
No additional details provided.
Milton, MA 02186
Balance: 0 - $25,000
Athol, MA 01331 1825
Balance: 0 to $25,000
Fitchburg, MA 01420
Qualifications Required; The Annual Percentage Yield (APY) is 1.26% as of 05/13/2026. Balances up to and including $15,000.00 will earn an APY of 1.26%. Balances in excess of $15,000.00 will earn an APY of 1.26% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. Rate is subject to change. Fees may reduce earnings.
Milton, MA 02186
Rate varies by balance. 1.00% - 0.40% for $25,000+.
Massachusetts High Yield Checking Rates
Marlborough, MA 01752
Level 2 on balances up to $15000
Fitchburg, MA 01420
Minimum to Open Online: $5
Gloucester, MA 01930
Qualifications Required: FIFTEEN (15) Debit Card purchases post and clear; ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Variable rate, may change after account is opened. For balances over $25,000.00 APY may vary between 4.06%-0.25%. Fees may reduce earnings. Limited time offer. For full terms & conditions, visit: BankGloucester.com/disclosures.
Lee, MA 01238
Qualifications Required: If qualifications are met; Qualifying balance up to $10,000.00; If qualifications are met
Marlborough, MA 01752
Level 1 on balances up to $15000
Haverhill, MA 01830
Qualifying balance up to $15,000.00
Newburyport, MA 01950
4.00% to 0.01% APY
Worcester, MA 01607
Tiered rate; Rate: .01% on balances $0.00-$1,000.00
Rockland, MA 02370
No additional details provided.
EAST BOSTON, MA 02128 1864
No additional details provided.
North Brookfield, MA 01535
No additional details provided.
Florence, MA 01062
No additional details provided.
South Easton, MA 02375
No additional details provided.
Southbridge, MA 01550
Qualifications Required: 1.95% rate; 2.00% APY; If qualifications are met.
Milton, MA 02186
Balance: 0 - $25,000
Lowell, MA 01852
No additional details provided.
New Bedford, MA 02740
No additional details provided.
Athol, MA 01331 1825
Balance: 0 to $25,000
Fitchburg, MA 01420
Qualifications Required; The Annual Percentage Yield (APY) is 1.26% as of 05/13/2026. Balances up to and including $15,000.00 will earn an APY of 1.26%. Balances in excess of $15,000.00 will earn an APY of 1.26% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. Rate is subject to change. Fees may reduce earnings.
Pittsfield, MA 01201
No additional details provided.
Massachusetts Rewards Checking Rates
Gloucester, MA 01930
Qualifications Required: FIFTEEN (15) Debit Card purchases post and clear; ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Variable rate, may change after account is opened. For balances over $25,000.00 APY may vary between 4.06%-0.25%. Fees may reduce earnings. Limited time offer. For full terms & conditions, visit: BankGloucester.com/disclosures.
Newburyport, MA 01950
4.00% to 0.01% APY
Haverhill, MA 01830
Qualifying balance up to $15,000.00
Lee, MA 01238
Qualifications Required: If qualifications are met; Qualifying balance up to $10,000.00; If qualifications are met
Fitchburg, MA 01420
Qualifications Required; The Annual Percentage Yield (APY) is 1.26% as of 05/13/2026. Balances up to and including $15,000.00 will earn an APY of 1.26%. Balances in excess of $15,000.00 will earn an APY of 1.26% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. Rate is subject to change. Fees may reduce earnings.
Fitchburg, MA 01420
Qualifications Required: 12 debit card purchases; e-statements; direct deposit or one ACH transaction per statement cycle; Balances of $15,000.01 and over, after qualifying requirements are met, will earn .25% APY. ATM fees will be refunded up to $15 per statement cycle when qualifying requirements are met. If qualifying requirements are not met, account will earn 0.05% APY and ATM fees will not be refunded.
Florence, MA 01062
On balances up to $25,000
Fitchburg, MA 01420
Qualifications Required: 12 debit card purchases; e-statements; direct deposit or one ACH transaction per statement cycle; Earn 0.50% Annual Percentage Yield (APY) on balances up to and including $15,000 when qualifying requirements are met. ATM fees will be refunded up to $15 per statement cycle when qualifying requirements are met. If qualifying requirements are not met, account will earn 0.05% APY and ATM fees will not be refunded.
Lowell, MA 01852
Qualifying balance up to $10,000.00
Lowell, MA 01852
Qualifying balance over $20,000.00
Dedham, MA 02026
Tiered balance; Balance Tier: $10,000+
Lowell, MA 01852
All balances if qualifications are not met
Florence, MA 01062
Base Rate
Massachusetts Free Checking Rates
Monson, MA 01057
No additional details provided.
Cambridge, MA 02140
No additional details provided.
Somerville, MA 02145
No additional details provided.
Somerville, MA 02145
No additional details provided.
Pittsfield, MA 01201
No additional details provided.
Fitchburg, MA 01420
No additional details provided.
Burlington, MA 01803
No additional details provided.
Massachusetts Student Checking Rates
Arlington, MA 02474
No additional details provided.
Lowell, MA 01851
No additional details provided.
Somerville, MA 02145
No additional details provided.
Pittsfield, MA 01201
No additional details provided.
Massachusetts Business Checking Rates
Newburyport, MA 01950
No additional details provided.
Marlborough, MA 01752
No additional details provided.
Rockland, MA 02370
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
East Boston, MA 02128
No additional details provided.
Ayer, MA 01432
Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01851
No additional details provided.
Marblehead, MA 01945
No additional details provided.
Boston, MA 02110
No additional details provided.
Fitchburg, MA 01420
Business CheckingPLUS is $5 and the minimum balance to earn dividend is $50.00. A $12.00 fee will apply if your balance falls below $1500 minimum per month. Fees may reduce earnings.
Ayer, MA 01432
Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
Ayer, MA 01432
Rate information: The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.
Burlington, MA 01803
No additional details provided.
Compounded Monthly
Lowell, MA 01852
No additional details provided.
Monson, MA 01057
No additional details provided.
Monson, MA 01057
No additional details provided.
Massachusetts Checking Rate Trends
Compare local Massachusetts checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Massachusetts high-yield checking rates fell 0.599 points over the past 7 days to 0.568% APY.
Massachusetts free checking rates fell 0.051 points over the past 7 days to 0.378% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Massachusetts checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Massachusetts directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Massachusetts. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MA.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Massachusetts earn interest?
Are banks in Massachusetts FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Massachusetts
- Baxter Credit Union
PowerPlusTM Checking — 8.00% APY - Workers Federal Credit Union
Advantage High Interest Checking — 4.50% APY - BankGloucester
Elite Reward Checking — 4.06% APY - Lee Bank
EMPOWER Rewards Checking — 4.00% APY - Pentucket Bank
Rewards Checking — 4.00% APY
Checking Account Rates by City in Massachusetts
