Best Banks & Checking Accounts in Lowell, Massachusetts - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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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: 9.04% 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: 11.20% Student Checking* at 0.10% APY, Lowell Five BankLowell Five Bank1095 Westford St, Lowell, MA 01851A+5.0 ★Texas Ratio: 1.76% Premier Checking at 0.05% APY, and Eastern Bank Boston, MAEastern Bank Boston, MA50 Central St, Lowell, MA 01852A+5.0 ★Texas Ratio: 2.03% Premier Checking at 0.01% APY.
Looking for the best checking accounts in Lowell, Massachusetts? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Lowell, Massachusetts, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in Lowell, Massachusetts. Checking Account Rates Last Updated and Verified: March 21, 2026
Lowell, MA Checking Rate Trends
Compare local Lowell, MA checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Massachusetts high-yield checking rates rose 0.388 points this week to 0.525% APY, up from 0.138% last week.
Massachusetts rewards checking rates rose 0.528 points this week to 1.972% APY, up from 1.444% last week.
Compare Checking Account Rates Today in Lowell, Massachusetts & the Surrounding Area
Lowell, MA 01850
No additional details provided.
Lowell, MA 01850
Qualifications Required: eStatement enrollment; one direct deposit or ACH withdrawal; 15 debit card transactions; Qualifying balance up to $300.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
Qualifications Required; Up to $15 refunded monthly when qualified*
Lowell, MA 01852
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01850
If requirements are not met
Lowell, MA 01851
*Fees could reduce earnings. Account rate is variable and is subject to change at any time. Rates effective 3/9/26.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01850
No additional details provided.
Lowell, MA 01851
No additional details provided.
Marlborough, MA 01752
Qualifying balance up to $15000
Marlborough, MA 01752 3061
Qualifications Required; Qualifying balance up to $10,000.00
Millbury, MA 01527
Qualifying balance up to $25,000.01
Gloucester, MA 01930
Qualifications Required; Qualifying balance up to $25,000.00
Newburyport, MA 01950
Qualifying balance up to $15,000.00
Marlborough, MA 01752
Qualifying balance up to $15000
Braintree, MA 02184 3909
Qualifying balance up to $1,000.00
Lowell, MA 01850
No additional details provided.
Lowell, MA 01850
Qualifications Required: eStatement enrollment; one direct deposit or ACH withdrawal; 15 debit card transactions; Qualifying balance up to $300.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
Qualifications Required; Up to $15 refunded monthly when qualified*
Lowell, MA 01852
No additional details provided.
Lowell, MA 01850
If requirements are not met
Lowell, MA 01852
No additional details provided.
Marlborough, MA 01752
Qualifying balance up to $15000
Marlborough, MA 01752 3061
Qualifications Required; Qualifying balance up to $10,000.00
Millbury, MA 01527
Qualifying balance up to $25,000.01
Gloucester, MA 01930
Qualifications Required; Qualifying balance up to $25,000.00
Newburyport, MA 01950
Qualifying balance up to $15,000.00
Marlborough, MA 01752
Qualifying balance up to $15000
Braintree, MA 02184 3909
Qualifying balance up to $1,000.00
Pittsfield, MA 01201
No additional details provided.
Webster, MA 01570
No additional details provided.
Rockland, MA 02370
No additional details provided.
Milford, MA 01757
$1,500 minimum balance to waive $15 monthly fee.
EAST BOSTON, MA 02128 1864
No additional details provided.
Springfield, MA 01144
Qualifying balance up to $50,000.00
Lowell, MA 01850
Qualifications Required: eStatement enrollment; one direct deposit or ACH withdrawal; 15 debit card transactions; Qualifying balance up to $300.00
Lowell, MA 01852
Qualifications Required; Up to $15 refunded monthly when qualified*
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Marlborough, MA 01752 3061
Qualifications Required; Qualifying balance up to $10,000.00
Gloucester, MA 01930
Qualifications Required; Qualifying balance up to $25,000.00
Newburyport, MA 01950
Qualifying balance up to $15,000.00
Ware, MA 01082
Qualifications Required: 12 debit card purchases post and settle; one direct deposit or one automatic ACH transaction post and settle; eStatements; 10% off at the Team Store at Polar Park; 2,500 WooSox Rewards Points with proof of card
Lynn, MA 01901 1101
Qualifications Required; Qualifying balance up to $20,000.00
Lenox, MA 01240
Qualifications Required; Earn 1.00% cashback on debit card purchases8 when qualifications are met
Fitchburg, MA 01420
Qualifications Required; Qualifying balance up to $15,000.00
Dedham, MA 02026
No additional details provided.
Fall River, MA 02724 2935
No additional details provided.
Lowell, MA 01850
No additional details provided.
Canton, MA 02021
No additional details provided.
Somerset, MA 02726
No additional details provided.
Braintree, MA 02184 3909
No additional details provided.
Fall River, MA 02724 2935
No additional details provided.
Raynham, MA 02767
No additional details provided.
Monson, MA 01057
All balances
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.
Everett, MA 02149
No additional details provided.
Quincy, MA 02169 6714
No additional details provided.
Burlington, MA 01803
No additional details provided.
Peabody, MA 01960
No additional details provided.
Fall River, MA 02721
No additional details provided.
Lowell, MA 01851
No additional details provided.
Arlington, MA 02474
No additional details provided.
Somerset, MA 02726
No additional details provided.
Stoneham, MA 02180
No additional details provided.
Worcester, MA 01607
No additional details provided.
Somerville, MA 02145
No additional details provided.
Pittsfield, MA 01201
No additional details provided.
Fall River, MA 02724 2935
No additional details provided.
Lowell, MA 01852
Qualifying balance up to $10,000.00
Lowell, MA 01852
No additional details provided.
Lowell, MA 01851
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Pittsfield, MA 01201
No additional details provided.
Pittsfield, MA 01201
No additional details provided.
Falmouth, MA 02540
No additional details provided.
Pittsfield, MA 01201
Qualifying balance up to $49,999.00
Falmouth, MA 02540
No additional details provided.
NEW BEDFORD, MA 02740
No additional details provided.
Marlborough, MA 01752
No additional details provided.
Newburyport, MA 01950
No additional details provided.
Gloucester, MA 01930
No additional details provided.
Webster, MA 01570
No additional details provided.
Rockland, MA 02370
No additional details provided.
NEW BEDFORD, MA 02740
No additional details provided.
NEW BEDFORD, MA 02740
No additional details provided.
Methuen, MA 01844
Earnings credit - at an annual earnings rate of 0.10% of your average collected balance (up to the total amount of your monthly service charge assessed).
Somerville, MA 02144
No additional details provided.
Methodology & Data Sources
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 pulling this data straight 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 - Lowell Five Bank
Premier Checking — 0.05% APY - Eastern Bank Boston, MA
Premier Checking — 0.01% APY
