Quincy, Massachusetts Best Checking Accounts & Rates October 2026
Brian McKay
Brian McKay
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Quincy, Massachusetts checking account rates range from 0.01% to 8.00% APY, verified by MonitorBankRates as of October 13, 2026. The best checking rates for Quincy, Massachusetts include BrightBridge Credit UnionBrightBridge Credit Union213 Independence Ave, Quincy, MA 02169A+5.0 ★Texas Ratio: 5.49% Kasasa Cash (High Interest Checking) at 2.00% APY, TruNorth BankTruNorth Bank15 Beach St, Quincy, MA 02170A+5.0 ★Texas Ratio: 2.91% Get More Checking at 0.20% APY, Taupa Lithuanian Federal Credit UnionTaupa Lithuanian Federal Credit Union100 Hillside Ave, Quincy, MA 02170 3204C4.0 ★Texas Ratio: 27.61% Checking accounts at 0.20% APY, Bank of CantonBank of Canton60 Mayor Thomas J Mcgrath Hwy, Quincy, MA 02169A+5.0 ★Texas Ratio: 4.22% Business Free Checking with Interest at 0.05% APY, and Mass Bay Credit UnionMass Bay Credit Union1250 Hancock St, Quincy, MA 02169A5.0 ★Texas Ratio: 6.39% NOW Checking at 0.03% APY. Checking account rates as of October 13, 2026 according to verified data from MonitorBankRates.
Quincy has 8 local institutions in our database, with checking rates as high as 2.00% APY from BrightBridge Credit Union at 213 Independence Ave, Quincy, MA, 02169. Use the tabs below to compare all available checking account types. Rates are continually updated, so we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Quincy, Massachusetts. Checking Account Rates Last Updated and Verified: October 13, 2026
Compare Checking Account Rates Today in Quincy, Massachusetts & the Surrounding Area
Quincy Checking Account Rates
Quincy, MA 02169
Balance: Up to but not exceeding $10,000; Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; be enrolled to receive e-statements; APY* 2.00% - 0.20%; (if qualifications are not met) Interest Rate 0.02%; APY* 0.02%
Quincy, MA 02170
Balance: $1,000,000+
Quincy, MA 02170 3204
Balance: $5,000
Quincy, MA 02170
Balance: $100,000-$999,999.99
Quincy, MA 02170
Balance: $25,000-$49,999.99
Quincy, MA 02170 3204
Balance: $500 minimum balance
Quincy, MA 02170
Balance: $0.01-$24,999.99
Quincy, MA 02170
Balance: $0.01-$14,999.99
Quincy, MA 02169
Balance: $1,000 - $1,999; Fees may reduce earnings. Rates are variable and subject to change after account opening.
Quincy, MA 02169
Balance: Over $5,000
Quincy, MA 02169
No additional details provided.
Quincy, MA 02169
Balance: 1,500.00 or more
Quincy, MA 02169
Balance: $0 - $4,999.99
Quincy, MA 02170
No additional details provided.
Quincy, MA 02169
Balance: 0.01
Quincy, MA 02169
Balance: 0.01
Quincy, MA 02169
Balance: .01-1,499.99
Quincy, MA 02169
Compounded: Monthly
Quincy, MA 02169
No additional details provided.
balances up to $15,000; Qualifications Required: Qualifications Required; Level 2 on balances up to $15,000; Balance: $0.01 - $15,000.00; Introductory APY; Introductory Dividend Rate
- Oct 10, 20268.00%▲ from 1.00%
- Sep 27, 20261.00%first recorded
Qualifications Required: 1 Direct Deposit, ACH Payment, or ACH Credit Transaction(s); at least 12 debit card purchases; eStatement enrollment; APY on daily balances up to and including $10,000.00; daily balances over $10,000.00 earn 0.25% APY and a dividend rate of 0.25% on the portion of the daily balance over $10,000.00, resulting in a range from 5.25% to 0.70% APY depending on the account's daily balance. If qualifications are not met, the entire daily balance will earn 0.05% APY.
- Oct 10, 20265.25%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $0.00 - $15,000.00
Balance: $0-$15,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $24,999.99
- Oct 7, 20265.00%▲ from 4.50%
- Sep 19, 20264.50%first recorded
Balance: $0.01 - $500.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0-$15,000.00
- Oct 9, 20264.50%▲ from 3.00%
- Sep 26, 20263.00%first recorded
Balance: Below $25,000.01
Balance: Below $25,000.01
Qualifications Required: FIFTEEN (15) Debit Card purchases post and clear; ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Balance: $0.01-$25,000.00; Variable rate, may change after account is opened. Advertised annual percentage yield (APY) valid as of 8/3/2026. Fees may reduce earnings. Limited time offer. For full terms & conditions, visit: BankGloucester.com/disclosures.
Qualifications Required; Balance: $0.01 up to $10,000; Rate applies to balances up to $10,000.
Qualifications Required: If qualifications are met; Balance: $0.01 up to $10,000; On balances $0.01 up to $10,000 If qualifications are met
Introductory APY; Introductory Dividend Rate
- Oct 10, 20264.00%▲ from 1.00%
- Sep 18, 20261.00%first recorded
balances up to $15,000; Qualifications Required: Qualifications Required; Level 1 on balances up to $15,000; Balance: $0.01 - $15,000.00; Introductory APY; Introductory Dividend Rate
- Oct 10, 20264.00%▲ from 1.00%
- Sep 22, 20261.00%first recorded
Balance to $1,000
No additional details provided.
Qualifications Required; Balance: $0.00 - $10,000.00; Minimum to earn dividend: $1.60; Minimum deposit of $5.00 required to open the account; Balances up to $10,000.00 receive an APY of 3.50% if qualifications are met; Account may not be used for commercial purposes; Fees may reduce earnings; Membership requirements apply
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $10,000.00
Dividends compounded/credited monthly
- Oct 10, 20263.04%▼ from 3.38%
- Sep 27, 20263.38%first recorded
Balances Up to $25,000; Balance: Balances Up to $25,000
Qualifications Required; Balance: $0.01 up to $10,000
Quincy High Yield Checking Rates
Quincy, MA 02169
Balance: Up to but not exceeding $10,000; Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; be enrolled to receive e-statements; APY* 2.00% - 0.20%; (if qualifications are not met) Interest Rate 0.02%; APY* 0.02%
Quincy, MA 02169
Balance: Over $5,000
Quincy, MA 02169
Balance: 1,500.00 or more
Quincy, MA 02169
Balance: $0 - $4,999.99
Quincy, MA 02169
Balance: 0.01
Quincy, MA 02169
Balance: 0.01
Quincy, MA 02169
Balance: .01-1,499.99
Quincy, MA 02169
Compounded: Monthly
balances up to $15,000; Qualifications Required: Qualifications Required; Level 2 on balances up to $15,000; Balance: $0.01 - $15,000.00; Introductory APY; Introductory Dividend Rate
- Oct 10, 20268.00%▲ from 1.00%
- Sep 27, 20261.00%first recorded
Qualifications Required: 1 Direct Deposit, ACH Payment, or ACH Credit Transaction(s); at least 12 debit card purchases; eStatement enrollment; APY on daily balances up to and including $10,000.00; daily balances over $10,000.00 earn 0.25% APY and a dividend rate of 0.25% on the portion of the daily balance over $10,000.00, resulting in a range from 5.25% to 0.70% APY depending on the account's daily balance. If qualifications are not met, the entire daily balance will earn 0.05% APY.
- Oct 10, 20265.25%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $0.00 - $15,000.00
Balance: $0-$15,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $24,999.99
- Oct 7, 20265.00%▲ from 4.50%
- Sep 19, 20264.50%first recorded
Balance: $0.01 - $500.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0-$15,000.00
- Oct 9, 20264.50%▲ from 3.00%
- Sep 26, 20263.00%first recorded
Balance: Below $25,000.01
Balance: Below $25,000.01
Qualifications Required: FIFTEEN (15) Debit Card purchases post and clear; ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Balance: $0.01-$25,000.00; Variable rate, may change after account is opened. Advertised annual percentage yield (APY) valid as of 8/3/2026. Fees may reduce earnings. Limited time offer. For full terms & conditions, visit: BankGloucester.com/disclosures.
Qualifications Required; Balance: $0.01 up to $10,000; Rate applies to balances up to $10,000.
Qualifications Required: If qualifications are met; Balance: $0.01 up to $10,000; On balances $0.01 up to $10,000 If qualifications are met
Introductory APY; Introductory Dividend Rate
- Oct 10, 20264.00%▲ from 1.00%
- Sep 18, 20261.00%first recorded
balances up to $15,000; Qualifications Required: Qualifications Required; Level 1 on balances up to $15,000; Balance: $0.01 - $15,000.00; Introductory APY; Introductory Dividend Rate
- Oct 10, 20264.00%▲ from 1.00%
- Sep 22, 20261.00%first recorded
Balance to $1,000
No additional details provided.
Qualifications Required; Balance: $0.00 - $10,000.00; Minimum to earn dividend: $1.60; Minimum deposit of $5.00 required to open the account; Balances up to $10,000.00 receive an APY of 3.50% if qualifications are met; Account may not be used for commercial purposes; Fees may reduce earnings; Membership requirements apply
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $10,000.00
Dividends compounded/credited monthly
- Oct 10, 20263.04%▼ from 3.38%
- Sep 27, 20263.38%first recorded
Balances Up to $25,000; Balance: Balances Up to $25,000
Qualifications Required; Balance: $0.01 up to $10,000
Qualifications Required: If qualifications are met; Balance: $0.01 up to $10,000; On balances $0.01 up to $10,000 If qualifications are met
Balance: $0.00-$1,000.00
Balance: $500.01 - $10,000.00
Qualifying balance up to $10,000.00
Qualifications Required; Qualifying balance up to $10,000.00
Balance: $0 - $50,000
Balances Up to $10,000; Balance: Balances Up to $10,000
Balance: .01 - $10,000.00
Qualifications Required: 12 posted and settled Debit Card purchases; Be enrolled in eStatements; 1 direct deposit or 1 bill payment (electronic) or automatic payment (ACH) post and settle; Balances from $10.00 up to $25,000 earn 1.95% interest rate (2.00% Annual Percentage Yield (APY)); If qualifications are not met, balances of $10 or more earn an interest rate and APY of 0.05%, and the account does not receive ATM surcharge rebates or Savers Bank card activity charges for that period.
Balance: $20,000+; Open Online (Opens in new tab)
No additional details provided.
Quincy Rewards Checking Rates
Quincy, MA 02169
Balance: Up to but not exceeding $10,000; Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; be enrolled to receive e-statements; APY* 2.00% - 0.20%; (if qualifications are not met) Interest Rate 0.02%; APY* 0.02%
Qualifications Required: 1 Direct Deposit, ACH Payment, or ACH Credit Transaction(s); at least 12 debit card purchases; eStatement enrollment; APY on daily balances up to and including $10,000.00; daily balances over $10,000.00 earn 0.25% APY and a dividend rate of 0.25% on the portion of the daily balance over $10,000.00, resulting in a range from 5.25% to 0.70% APY depending on the account's daily balance. If qualifications are not met, the entire daily balance will earn 0.05% APY.
- Oct 10, 20265.25%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $0.00 - $15,000.00
Balance: $0-$15,000.00
Balance: Below $25,000.01
Qualifications Required: FIFTEEN (15) Debit Card purchases post and clear; ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Balance: $0.01-$25,000.00; Variable rate, may change after account is opened. Advertised annual percentage yield (APY) valid as of 8/3/2026. Fees may reduce earnings. Limited time offer. For full terms & conditions, visit: BankGloucester.com/disclosures.
Qualifications Required: If qualifications are met; Balance: $0.01 up to $10,000; On balances $0.01 up to $10,000 If qualifications are met
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $10,000.00
Qualifications Required: If qualifications are met; Balance: $0.01 up to $10,000; On balances $0.01 up to $10,000 If qualifications are met
Qualifying balance up to $10,000.00
Balance: .01 - $10,000.00
Qualifications Required; Balance: $0.01-$25,000.00
Qualifications Required; Balance: $0.00 - $10,000.00; APY 2.00% (1.98% if linked to Kasasa Saver); Rates effective Tuesday, October 13, 2026
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000
Qualifications Required: 12 debit card point of sales purchases that post and settle your account; one automatic payment, direct deposit, or online bill payment post and settle your account; enrolled to receive e-statements; Qualifying balance up to $10,000.00; Rate: 0.20% on balances above $10,000; Rate: 0.02% if qualifications are not met
- Sep 22, 20262.00%▲ from 0.02%
- Sep 14, 20260.02%first recorded
Qualifications Required; The Annual Percentage Yield (APY) is 1.26% as of 10/07/2026. 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. To be eligible for the interest rates and APYs, and receive up to $20.00 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements; direct deposits totaling $100.00 or more posted and cleared; and 10 debit card transactions posted and cleared. Rates may change after the account is opened. Fees may reduce earnings.
Qualifications Required: 1.00% interest on balances up to $1500 when qualifications are met; Earn 1.00% interest on balances up to $1500 when qualifications are met; ATM fee reimbursements up to monthly limits; Digital banking with bill pay and mobile deposit
No additional details provided.
Qualifications Required: If qualifications are met; Balance: over $10,000; On amount of balance over $10,000 If qualifications are met
Qualifications Required: If qualifications are met; Balance: On amount of balance over $10,000 If qualifications are met
Qualifications Required: 12 debit card purchases; e-statements; direct deposits; one ACH transaction per statement cycle; Balance: up to and including $15,000.00; balances of $15,000.01 and over earn .25% APY; non-qualifying APY 0.05%; ATM fees refunded up to $15 per statement cycle when qualifying requirements are met; personal accounts only; includes Veteran's Visa Debit Card
- Oct 13, 20260.50%▲ from 0.05%
- Sep 24, 20260.05%first recorded
Qualifying balance up to $25,000.00; Qualifications Required; Fees may reduce earnings on the account
Balance: Over $10,000.00
- Sep 18, 20260.35%▲ from 0.02%
- Sep 14, 20260.02%first recorded
No additional details provided.
On balances up to $25,000
Published APY range: 0.25% - 4.07%. Balance: $25,000.01 and above
On balances over $10,000
- Sep 21, 20260.25%▼ from 4.00%
- Sep 17, 20264.00%▲ from 0.25%
- Sep 14, 20260.25%first recorded
Balance: $5,000.01 or more; Minimum to earn dividend: $5,000.01; Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $10.00
Balance: $61.00 - $5,000.00; Minimum to earn dividend: $61.00; Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $10.00
EMPOWER REWARDS Checking w/EMPOWER REWARDS Savings; APYs accurate as of 10/08/2026. Rates may change after account is opened. Reward Information: When your EMPOWER REWARDS account qualifications are met during a Monthly Qualification Cycle, checking account balances $0.01 up to $10,000.00 receive an APY (Annual Percentage Yield) of 4.00%, and balances over $10,000.00 earn 0.50% interest rate on the portion of balances over $10,000.00, resulting in a range from 4.00% - 0.50% APY depending on the account's balance and (2) savings account balances $0.01 up to $25,000.00 in EMPOWER REWARDS Savings receive an APY of 4.00%; and balances over $25,000.00 in EMPOWER REWARDS Savings earn 0.50% interest rate on portion of balance over $25,000.00, resulting in 4.00% - 0.50% APY depending on the balance. If qualifications for EMPOWER REWARDS Checking are not met, all balances in EMPOWER REWARDS Checking and Savings earn 0.05% APY and ATM fees are not refunded. When qualifications are met, interest and ATM fee reimbursements will be credited to your EMPOWER REWARDS checking account on the last day of the statement cycle and will automatically sweep into the attached savings account. EMPOWER REWARDS Checking must be opened in tandem with EMPOWER REWARDS Savings.
Balance: On entire balance If qualifications not met
Assumes a principal balance of $35,000.00. APY earned depends on the actual principal balance.
Balance: .01 and over
0.05% APY if qualifications aren't met. ATM withdrawal fee refunds up to $25 monthly.
Qualifications not met
Balance Tier: $10,000+
All balances if qualifications not met
- Oct 10, 20260.05%▼ from 2.00%
- Sep 22, 20262.00%▲ from 0.05%
- Sep 18, 20260.05%first recorded
Qualifications Not Met
Base Rate
Quincy Free Checking Rates
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $24,999.99
- Oct 7, 20265.00%▲ from 4.50%
- Sep 19, 20264.50%first recorded
Balance: $0.01 - $500.00
Qualifications Required; Balance: $0.00 - $10,000.00; Minimum to earn dividend: $1.60; Minimum deposit of $5.00 required to open the account; Balances up to $10,000.00 receive an APY of 3.50% if qualifications are met; Account may not be used for commercial purposes; Fees may reduce earnings; Membership requirements apply
Balance: $500.01 - $10,000.00
No additional details provided.
0.05% APY if qualifications aren't met. ATM withdrawal fee refunds up to $25 monthly.
Balance: $25,000 and over
No additional details provided.
No additional details provided.
Balance: $20.00+
No additional details provided.
Balance: All balances if qualifications not met
Balance: $10,000.01 and over
Quincy Student Checking Rates
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Balance: $0.00
Quincy Business Checking Rates
Quincy, MA 02169
Balance: $1,000 - $1,999; Fees may reduce earnings. Rates are variable and subject to change after account opening.
No additional details provided.
Balance: $100,000.01 - $125,000.00; Interest rate paid on the daily balance of the next $100,000.01 to $125,000.00
Balance: $100,000.00 +
Balance: $75,000.01 - $100,000.00; Interest rate paid on the daily balance of the next $75,000.01 to $100,000.00
Balance: $50,000.00 - $99,999.99
Balance: $50,000.01 - $75,000.00; Interest rate paid on the daily balance of the next $50,000.01 to $75,000.00
Balance: $0-$25,000; Qualifying balance up to $25,000.00
- Oct 13, 20260.50%▲ from 0.03%
- Oct 5, 20260.03%first recorded
Balance: $25,000.00
Balance: $10,000.00
Balance: $25,000.00 - $49,999.99
Balance: $75,000 or more
Balance: $25,000.01 - $50,000.00; Interest rate paid on the daily balance of the next $25,000.01 to $50,000.00
No additional details provided.
No additional details provided.
Balance: $100,000 and over; $5.00 Membership Account Required
No additional details provided.
Balance: $50,000 - $99,999.99; $5.00 Membership Account Required
Balance: $50,000 or more but less than $75,000
Balance: $5.00 - higher; Compounding: Monthly
Monthly maintenance charge $0.
Balance: $10,000 - $24,999.99; $5.00 Membership Account Required
No additional details provided.
No additional details provided.
Balance: $10,000 or more but less than $50,000
No additional details provided.
No additional details provided.
Published APY range: 0.03% - 0.04%. Balance: $50,000.01 - $100,000
Balance: $100 - $24,999.99
Balance: $100 - $24,999.99
No additional details provided.
Checking product for 501 (C) 3 organizations
No additional details provided.
No additional details provided.
Balance: $0.01 or more but less than $10,000
No additional details provided.
No additional details provided.
Rates effective as of June 3, 2021
Balance: $1,000+
Balance: $0.01 - $10,000
Quincy, MA Checking Rate Trends
Compare local Quincy, 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 0.024 points over the past 7 days to 0.875% APY.
Massachusetts free checking rates rose 0.044 points over the past 7 days to 0.238% APY.
Quincy, MA Checking Rate Forecast, Next 12 Months
Checking APYs move with Federal Reserve policy. Our model projects the likely path of high-yield and free checking averages from the current Massachusetts figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit institutions typically pass policy-rate changes through to checking APYs within 60 to 90 days. Reward and high-yield checking adjust faster than standard accounts.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Your Balance Earns at MA Checking Averages
Annual interest earnings at current Massachusetts average APYs. Advertised high-yield rates typically require qualifying monthly activity, and most accounts cap the balance that earns the top rate. The calculator below models your exact balance against a cap.
| Balance | High-Yield Checking (0.875% APY) | Monthly Earnings | Free Checking (0.238% APY) | Monthly Earnings |
|---|---|---|---|---|
| $2,500 | $21.87 / year | $1.82 | $5.95 / year | $0.50 |
| $5,000 | $43.75 / year | $3.65 | $11.90 / year | $0.99 |
| $10,000 | $87.49 / year | $7.29 | $23.79 / year | $1.98 |
| $25,000 | $218.73 / year | $18.23 | $59.48 / year | $4.96 |
| Earnings estimates assume the full balance earns the average APY with qualifying requirements met every month. Actual earnings depend on the account’s rate cap, base rate, and whether requirements are met. The top offers above pay well over these averages. Source: Massachusetts checking rate averages as of October 13, 2026. | ||||
Available in Quincy, Massachusetts
About Our Quincy, Massachusetts Checking Rate Database
MonitorBankRates tracks checking account rates from 25 banks and 31 credit unions offering checking accounts to Quincy, Massachusetts residents, spanning high-yield, rewards, free, student, and business checking from community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: BrightBridge Credit Union offers a checking account at 2.00% APY with a minimum deposit of $25. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.
How to Find the Best Checking Rates in Quincy, Massachusetts
What to compare when shopping for an interest-bearing checking account in Quincy, Massachusetts
To find the best checking APYs in Quincy, Massachusetts, start with credit unions and online-only banks: Quincy, Massachusetts has 31 credit unions in our database, and they dominate the high-yield and rewards checking market because they have lower overhead than traditional branch networks and use high rates to win your primary banking relationship.
Read the qualifying requirements before you’re drawn in by the headline rate. Most high-yield checking accounts require 10 to 15 debit card transactions per month, a direct deposit or ACH transfer, and e-statements. Miss them in a given month and you earn a near-zero base rate instead. Also check the balance cap: the advertised APY usually applies only up to $10,000 to $25,000. The current MA high-yield checking average is 0.875% but top institutions serving Quincy, Massachusetts are offering as high as 2.00%, so shopping around pays off.
Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement, worth checking if an institution has branches or in-network ATMs near you in Quincy, Massachusetts.
When High-Yield Checking Makes Sense
- You already use a debit card regularly: the transaction requirements cost you nothing extra
- Your everyday balance sits under the account’s rate cap, so your whole balance earns the top APY
- You want your spending money earning savings-level interest instead of 0%
- You prefer banking locally: 56 institutions serving Quincy, Massachusetts report checking rates to our database
Consider an Alternative If…
- Your balance is well above the rate cap: Quincy, Massachusetts savings rates or money market rates for the excess
- You won’t reliably meet the monthly activity requirements: a no-strings high-yield savings account earns more
- You have money you won’t touch for a set period: Quincy, Massachusetts CD rates lock in a guaranteed return
Quincy, Massachusetts Financial Snapshot
Local demographics and economic context for account holders. Source: U.S. Census Bureau
At today’s MA high-yield checking average of 0.875%, keeping 10% of the local median salary ($5,796) in a high-yield checking account would earn $51 annually, money a 0% traditional checking account leaves on the table. The top offers above pay even more.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
High-Yield Checking vs. Other Quincy, Massachusetts Options
How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in Quincy, Massachusetts.
| Feature | High-Yield Checking | Free Checking | High-Yield Savings | Money Market |
|---|---|---|---|---|
| Current MA Avg APY | 0.875% | 0.238% | View Savings Rates | View MMA Rates |
| Monthly Activity Required | ✗ Usually yes (debit + direct deposit) | ✓ None | ✓ None | ✓ None |
| Balance Cap on Top Rate | Common ($10K, $25K) | Little or no interest paid | ✓ Rarely | Tiered: higher balances earn more |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Checks & Debit Card | ✓ Unlimited | ✓ Unlimited | ✗ No | ✓ Limited per month |
| Best For | Everyday spending money that also earns | Simple no-fee banking, modest balances | Emergency fund, larger balances | Larger balances wanting some check access |
APY data reflects Massachusetts averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Quincy, Massachusetts Checking Account Interest Calculator
See what an interest-bearing checking account earns on your everyday balance. Most high-yield accounts only pay the advertised APY up to a balance cap. Enter the cap to see the real number, or leave it at 0 for uncapped accounts. Click any current Quincy, Massachusetts rate on the right to apply it. Interest compounds monthly.
Assumes monthly compounding, qualifying requirements met every cycle, and that balances above the cap earn 0%. Checking rates are variable and can change at any time. Estimates are for informational purposes only.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Quincy, 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 Quincy, 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 Quincy, 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 Quincy, Massachusetts earn interest?
Are banks in Quincy, Massachusetts FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
What do I need to do to qualify for a high-yield checking rate in Quincy, Massachusetts?
Is there a limit on how much of my balance earns the top rate?
How do I open a checking account in Quincy, Massachusetts?
Best Checking Rates in Quincy, Massachusetts
- BrightBridge Credit Union
Kasasa Cash (High Interest Checking): 2.00% APY - TruNorth Bank
Get More Checking: 0.20% APY - Taupa Lithuanian Federal Credit Union
Checking accounts: 0.20% APY - Bank of Canton
Business Free Checking with Interest: 0.05% APY - Mass Bay Credit Union
NOW Checking: 0.03% APY
Quincy, Massachusetts Rates & Resources
