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Best Banks & Checking Accounts in Lynnfield, Massachusetts - March 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for Lynnfield, Massachusetts include Bank5 ConnectBank5 Connect50 Salem St, Lynnfield, MA 01940A+5.0 ★Texas Ratio: 1.34% Checking at 2.00% APY, Savings Bank Wakefield, MASavings Bank Wakefield, MA584 Main St, Lynnfield, MA 01940A+5.0 ★Texas Ratio: 2.32% Wealth Checking at 0.50% APY, River Works Credit UnionRiver Works Credit Union24 Broadway, Lynnfield, MA 01940A5.0 ★Texas Ratio: 7.57% Preferred Checking at 0.10% APY, Everett Co-operative BankEverett Co-operative Bank771 Salem St, Lynnfield, MA 01940A+5.0 ★Texas Ratio: 0.90% Everett Elite Checking at 0.05% APY, and Eastern Bank Boston, MAEastern Bank Boston, MA45 Salem St, Lynnfield, MA 01940A+5.0 ★Texas Ratio: 2.03% Premier Checking at 0.01% APY.

Looking for the best checking accounts in Lynnfield, 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 Lynnfield, Massachusetts, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Lynnfield, Massachusetts. Checking Account Rates Last Updated and Verified: March 21, 2026

Lynnfield, MA Checking Rate Trends

Compare local Lynnfield, 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.

View Full Massachusetts Checking Trends →
High-Yield Checking — MA Avg
0.525%
▲ 0.388 from last week

Massachusetts high-yield checking rates rose 0.388 points this week to 0.525% APY, up from 0.138% last week.

Rewards Checking — MA Avg
1.972%
▲ 0.528 from last week

Massachusetts rewards checking rates rose 0.528 points this week to 1.972% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Lynnfield, Massachusetts & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
50 Salem St
Lynnfield, MA 01940
Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
50 Salem St
Lynnfield, MA 01940
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Wealth Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Exclusively for First Financial Trust clients

River Works Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
24 Broadway
Lynnfield, MA 01940
Preferred Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Premium Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Premium Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Wealth Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Exclusively for First Financial Trust clients

Everett Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
771 Salem St
Lynnfield, MA 01940
Everett Elite Checking
0.05%
$10
View
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

River Works Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
24 Broadway
Lynnfield, MA 01940
Preferred Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Interest Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Premium Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
TSB 365 Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
45 Salem St
Lynnfield, MA 01940
Premier Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

River Works Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
24 Broadway
Lynnfield, MA 01940
Traditional Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

River Works Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
24 Broadway
Lynnfield, MA 01940
Preferred Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Everett Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
771 Salem St
Lynnfield, MA 01940
Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way
Marlborough, MA 01752
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
46 Lizotte Dr
Marlborough, MA 01752 3061
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
50 Salem St
Lynnfield, MA 01940
Connect Checking
2.00%
$10
View
▼
Rate1.98%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
50 Salem St
Lynnfield, MA 01940
Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Premium Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Premium Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Interest Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
584 Main St
Lynnfield, MA 01940
Premium Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way
Marlborough, MA 01752
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
46 Lizotte Dr
Marlborough, MA 01752 3061
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St
Fitchburg, MA 01420
Advantage High Interest Checking
4.50%
$5
View
▼
Rate4.41%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Millbury National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
18 Main St
Millbury, MA 01527
Platinum Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
160 Main St
Gloucester, MA 01930
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St
Fitchburg, MA 01420
Advantage Cash Back Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required: eStatement enrollment; one direct deposit or ACH withdrawal; 15 debit card transactions; Qualifying balance up to $300.00

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St
Newburyport, MA 01950
Rewards Checking Account
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way
Marlborough, MA 01752
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
300 Granite St Fl 3
Braintree, MA 02184 3909
Premier Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $1,000.00

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
150 West St
Pittsfield, MA 01201
IOLTA Checking
3.24%
$0
View
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
136 Thompson Rd
Webster, MA 01570
IOLTA Checking Account
2.89%
$10
View
▼
Rate2.81%
Min Deposit$10
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St
Rockland, MA 02370
IOLTA Checking Account
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
St Marys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
46 Lizotte Dr
Marlborough, MA 01752 3061
Kasasa Cash Checking
5.25%
$0
View
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

BankGloucester
Institution Rating:
B+4.7 ★ Texas Ratio: 19.12%
160 Main St
Gloucester, MA 01930
Elite Reward Checking
4.06%
$10
View
▼
Rate4.00%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Newburyport Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
63 State St
Newburyport, MA 01950
Rewards Checking Account
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St
Fitchburg, MA 01420
Advantage Cash Back Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required: eStatement enrollment; one direct deposit or ACH withdrawal; 15 debit card transactions; Qualifying balance up to $300.00

Country Bank for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
155 West St
Ware, MA 01082
Kasasa Cash Back Checking
2.00%
$10
View
▼
Rate2.00%
Min Deposit$10
Min Balance—
UpdatedMar 18, 2026
Details

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

Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St
Lynn, MA 01901 1101
Kasasa Cash Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Adams Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7 Main St
Lenox, MA 01240
Cashback Checking
1.00%
$50
View
▼
Rate1.00%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Earn 1.00% cashback on debit card purchases8 when qualifications are met

IC Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.06%
300 Bemis Rd
Fitchburg, MA 01420
Reward Checking
0.50%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Interest Rewards Checking
0.20%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Up to $15 refunded monthly when qualified*

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Interest Rewards Checking
0.15%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
55 Elm St
Dedham, MA 02026
Check Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Interest Rewards Checking
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St
Fall River, MA 02724 2935
Rewards Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Everett Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
771 Salem St
Lynnfield, MA 01940
Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Canton Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.05%
671 Washington St
Canton, MA 02021
50+ Free Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
740 County St
Somerset, MA 02726
FREE Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
300 Granite St Fl 3
Braintree, MA 02184 3909
Basic Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St
Fall River, MA 02724 2935
Veterans Free Checking
0.05%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Bluestone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
756 Orchard St
Raynham, MA 02767
Free Checking for Seniors
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Monson Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
146 Main St
Monson, MA 01057
Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 21, 2026
Details

All balances

NCB North Cambridge Coopertive Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2360 Massachusetts Ave
Cambridge, MA 02140
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
342 Broadway
Somerville, MA 02145
SmartChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
342 Broadway
Somerville, MA 02145
StudentChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd
Pittsfield, MA 01201
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave
Quincy, MA 02169 6714
Totally Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

New England Teamsters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1 Wall St Ste 402
Burlington, MA 01803
Free Checking (78)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Luso American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
37 Tremont St
Peabody, MA 01960
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Fall River Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
333 Milliken Blvd
Fall River, MA 02721
Freedom Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St
Fitchburg, MA 01420
Free Checking with eStatements
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Leader Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
141 Massachusetts Ave
Arlington, MA 02474
Student Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St
Lowell, MA 01851
Student Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Somerset Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
740 County St
Somerset, MA 02726
TeenCents CheckingSM
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

StonehamBank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
80 Montvale Ave
Stoneham, MA 02180
Optimum Student Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
271 Greenwood St
Worcester, MA 01607
Teen Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Winter Hill Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
342 Broadway
Somerville, MA 02145
StudentChoice Free Checking
0.00%
$10
View
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
5 Cheshire Rd
Pittsfield, MA 01201
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

St Annes Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
286 Oliver St
Fall River, MA 02724 2935
Student Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
150 West St
Pittsfield, MA 01201
High Yield Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
150 West St
Pittsfield, MA 01201
High Yield Business Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
150 West St
Pittsfield, MA 01201
High Yield Business Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $49,999.00

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
199 Worcester Ct
Falmouth, MA 02540
BusinessPlus Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
199 Worcester Ct
Falmouth, MA 02540
BusinessPlus Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
High Yield Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way
Marlborough, MA 01752
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Cape Ann Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
109 Main St
Gloucester, MA 01930
Business Sole Proprietor / Non-Profit Organization Classic Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
93 State St
Newburyport, MA 01950
Simple Business NOW Checking
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
High Yield Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St
Rockland, MA 02370
Business Plus Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
136 Thompson Rd
Webster, MA 01570
GrowChecking for Business Account
0.20%
$10
View
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Business Rewards Checking
0.20%
$10
View
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $10,000.00

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Interest Business Checking
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St
Lowell, MA 01851
Commercial Checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Middlesex Federal Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1 College Ave
Somerville, MA 02144
Easy Interest Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Methuen Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
243 Broadway
Methuen, MA 01844
Commercial Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

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).

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St
Lowell, MA 01852
Interest Business Checking
0.10%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.23%
468 COUNTY ST
NEW BEDFORD, MA 02740
High Yield Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Canton Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.05%
671 Washington St
Canton, MA 02021
Business Interest Checking
0.07%
$0
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Daily balance of $1,500.00 required to avoid a $6.00 monthly service charge

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Lynnfield, 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 Lynnfield, 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 Lynnfield, Massachusetts earn interest?

Most traditional local checking accounts in Lynnfield, Massachusetts earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Lynnfield, Massachusetts FDIC insured?

Yes. Legitimate banks with branches in Lynnfield, Massachusetts are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Lynnfield, Massachusetts

Based on our current data, some of the highest checking account APYs available to residents of Lynnfield, Massachusetts include:
  • Bank5 Connect
    Checking — 2.00% APY
  • Savings Bank Wakefield, MA
    Wealth Checking — 0.50% APY
  • River Works Credit Union
    Preferred Checking — 0.10% APY
  • Everett Co-operative Bank
    Everett Elite Checking — 0.05% APY
  • Eastern Bank Boston, MA
    Premier Checking — 0.01% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lynnfield, Massachusetts. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

Lynnfield, Massachusetts Rates & Resources

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