Best Banks & Checking Accounts in Lowell, Massachusetts - June 2026
Brian McKay
Brian McKay
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The best checking rates for Lowell, Massachusetts include Workers Federal Credit UnionWorkers Federal Credit Union1201 Bridge St, Lowell, MA 01850A5.0 ★Texas Ratio: 8.41% Advantage High Interest Checking at 4.50% APY, Washington Savings Bank Lowell, MAWashington Savings Bank Lowell, MA30 Middlesex St, Lowell, MA 01852A+5.0 ★Texas Ratio: 4.14% Elite Checking at 2.00% APY, Align Credit UnionAlign Credit Union87 Hale St, Lowell, MA 01851A5.0 ★Texas Ratio: 10.60% Student Checking at 0.10% APY, Eastern Bank Boston, MAEastern Bank Boston, MA50 Central St, Lowell, MA 01852A+5.0 ★Texas Ratio: 2.03% Premier Checking at 0.01% APY, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking at 8.00% APY. Checking account rates as of June 16, 2026 according to verified data from MonitorBankRates.
Lowell has 4 local institutions in our database, with checking rates as high as 4.50% APY from Workers Federal Credit Union at 1201 Bridge St, Lowell, MA, 01850. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Lowell, Massachusetts. Checking Account Rates Last Updated and Verified: June 16, 2026
Compare Checking Account Rates Today in Lowell, Massachusetts & the Surrounding Area
Lowell Checking Account Rates
Lowell, MA 01850
Minimum to Open Online: $5
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
Qualifying balance up to $10,000.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
Qualifying balance over $20,000.00
Lowell, MA 01851
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01850
Minimum to Open Online: $5
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
All balances if qualifications are not met
Lowell, MA 01852
No additional details provided.
Lowell, MA 01850
No additional details provided.
Level 2 on balances up to $15000
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.
Level 1 on balances up to $15000
Qualifying balance up to $15,000.00
Qualifications Required: If qualifications are met; Qualifying balance up to $10,000.00; If qualifications are met
Lowell High Yield Checking Rates
Lowell, MA 01850
Minimum to Open Online: $5
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
Qualifying balance up to $10,000.00
Lowell, MA 01852
Qualifying balance over $20,000.00
Lowell, MA 01850
Minimum to Open Online: $5
Lowell, MA 01852
All balances if qualifications are not met
Level 2 on balances up to $15000
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.
Qualifying balance up to $15,000.00
Level 1 on balances up to $15000
4.00% to 0.01% APY
Qualifications Required: If qualifications are met; Qualifying balance up to $10,000.00; If qualifications are met
Tiered rate; Rate: .01% on balances $0.00-$1,000.00
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Balance: 0 - $25,000
Qualifications Required: 1.95% rate; 2.00% APY; If qualifications are met.
Lowell Rewards Checking Rates
Lowell, MA 01852
Qualifying balance up to $10,000.00
Lowell, MA 01852
Qualifying balance over $20,000.00
Lowell, MA 01852
All balances if qualifications are not met
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.
4.00% to 0.01% APY
Qualifying balance up to $15,000.00
Qualifications Required: If qualifications are met; Qualifying balance up to $10,000.00; If qualifications are met
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.
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.
On balances up to $25,000
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.
Tiered balance; Balance Tier: $10,000+
Base Rate
Lowell Free Checking Rates
Lowell, MA 01850
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Lowell Student Checking Rates
Lowell, MA 01851
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Lowell Business Checking Rates
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01852
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
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.
No additional details provided.
No additional details provided.
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.
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.
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.
No additional details provided.
Compounded Monthly
No additional details provided.
No additional details provided.
Lowell, MA Checking Rate Trends
Compare local Lowell, MA 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 Lowell, 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 Lowell, 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 Lowell, 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 Lowell, Massachusetts earn interest?
Are banks in Lowell, Massachusetts FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Lowell, Massachusetts
- Workers Federal Credit Union
Advantage High Interest Checking — 4.50% APY - Washington Savings Bank Lowell, MA
Elite Checking — 2.00% APY - Align Credit Union
Student Checking — 0.10% APY - Eastern Bank Boston, MA
Premier Checking — 0.01% APY - Baxter Credit Union
PowerPlusTM Checking — 8.00% APY
Lowell, Massachusetts Rates & Resources
