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Best Money Market Rates in Massachusetts (MA) - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 | Last Updated: May 5, 2026

Current Massachusetts money market deposit account rates include Eastern BankEastern BankMAA+5.0 ★ Money Market Plus at 4.00% APY, HarborOne BankHarborOne Bank68 Legion Pkwy, Brockton, MA 02301A+5.0 ★Texas Ratio: 3.37% Money Market Plus at 4.00% APY, Eastern Bank Boston, MAEastern Bank Boston, MA1336 Massachusetts Ave, Cambridge, MA 02138A+5.0 ★Texas Ratio: 2.03% Money Market Plus at 4.00% APY, Citizens BankCitizens Bank147 Main St, Gloucester, MA 01930A5.0 ★Texas Ratio: 8.28% Citizens Quest® Money Market at 3.75% APY, and Wrentham Co-operative BankWrentham Co-operative Bank102 South St, Wrentham, MA 02093A+5.0 ★Texas Ratio: 0.00% Premier Money Market at 3.70% APY. Money market rates as of May 5, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Massachusetts side-by-side. Massachusetts money market rates currently reach as high as 4.00% APY from Eastern Bank at MA. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Massachusetts and surrounding area. Last Updated and Verified: May 5, 2026

Compare the Best Money Market Rates Today in Massachusetts

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Eastern Bank
Institution Rating:
A+5.0 ★
MA
Money Market Plus
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

HarborOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.37%
68 Legion Pkwy, Brockton, MA 02301
Money Market Plus
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1336 Massachusetts Ave, Cambridge, MA 02138
Money Market Plus
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Boosted 6 Month APY

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
147 Main St, Gloucester, MA 01930
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
147 Main St, Gloucester, MA 01930
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
Premier Money Market
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
1 Andrew St, Lynn, MA 01901 1101
Community High Yield Money Market Account
3.65%
$10,000
View
▼
Rate3.59%
Min Deposit$10,000
Min Balance—
UpdatedApr 8, 2026
Details

Community High Yield Money Market for consumer and business accounts. Earn 3.75% Annual Percentage Yield for new money only. Minimum balance of $10,000 to open.

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
Money Market
3.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Monthly compounding

BankProv
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5 Market St, Amesbury, MA 01913
Premium Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
High Yield Money Market & iYield Money Market Account
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Open Online

Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
Super Saver Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
Premium Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.98%
100 Powdermill Rd, Acton, MA 01720
Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
Money Market Plus
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

BankProv
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5 Market St, Amesbury, MA 01913
Super Saver Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$15,000+

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
Non-Profit Money Market
3.34%
$10
View
▼
Rate3.25%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
103 N Elm St, Westfield, MA 01085
Money Market
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

up to

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
103 N Elm St, Westfield, MA 01085
Money Market Accounts
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
Sapphire Money Market
3.25%
$2,000,000
View
▼
Rate3.20%
Min Deposit$2,000,000
Min Balance—
UpdatedMay 5, 2026
Details

Balances $2,000,000-$4,000,000 (plus interest paid)

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1336 Massachusetts Ave, Cambridge, MA 02138
Money Market Plus
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Standard APY

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
Business Sapphire Money Market
3.25%
$2,000,000
View
▼
Rate3.20%
Min Deposit$2,000,000
Min Balance—
UpdatedMay 5, 2026
Details

Balances $2,000,000-$4,000,000 (plus interest paid)

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
70 Westview St, Lexington, MA 02421 3142
High Yield Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

New Money Only

OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
High Yield Money Market & iYield Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Open Online

Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
Ultra Money Market Special -Personal and Business
3.25%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
Business Money Market Special
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

North Easton SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
Business Premier Leader Money MarketSpecial
3.19%
$0
View
▼
Rate3.14%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
Money Market
3.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Monthly compounding

Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
275 Washington St, North Easton, MA 02356
Advantage Money Market Account
3.09%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA 01535
Level Up Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $1,000,000.01

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
Business Money Market Special
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
IRA Money Market
3.04%
$10
View
▼
Rate3.00%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
102 South St, Wrentham, MA 02093
Premier Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
Connect Money Market
3.03%
$100
View
▼
Rate2.99%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
MyPremium Money Market Tier 4
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
MyPremium Money Market Tier 5
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
Gold Money Market
3.00%
$250,000
View
▼
Rate2.96%
Min Deposit$250,000
Min Balance—
UpdatedMay 5, 2026
Details

Balances $250,000 and above

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
MyPremium Money Market Tier 3
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
Money Market Special
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
Business Gold Money Market
3.00%
$250,000
View
▼
Rate2.96%
Min Deposit$250,000
Min Balance—
UpdatedMay 5, 2026
Details

plus interest paid

OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
High Yield Money Market & iYield Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Open Online

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
Premium Money Market Account
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
275 Washington St, North Easton, MA 02356
Advantage Money Market Account
2.99%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
121 Main St, Yarmouth Port, MA 02675
Premier Money Market
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
Business Money Market Account
2.83%
$10
View
▼
Rate2.75%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
High Yield Online Money Market
2.83%
$10
View
▼
Rate2.75%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
Business Money Market Special
2.80%
$0
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
Money Market (High Yield: New Money Special)
2.79%
$2,500
View
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
9 Gilbert St, North Brookfield, MA 01535
Level Up Money Market
2.79%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Qualifying balance up to $1,000,000.00

North Easton SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
Main Street Money MarketSpecial
2.78%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
IRA Money Market
2.78%
$10
View
▼
Rate2.75%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
Business Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Monthly compounding

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
MyPremium Money Market Tier 1
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
Money Market Special
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Winchester Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
19 Church St, Winchester, MA 01890
Business Money Market
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
11 Central St, Norwood, MA 02062
High Yield Money Market & iYield Money Market Account
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Open Online

Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
270 Main St, Southbridge, MA 01550
Ultra Money Market Special -Personal and Business
2.75%
$0
View
▼
Rate2.68%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
136 Thompson Rd, Webster, MA 01570
Amplify Money Market
2.75%
$10
View
▼
Rate2.68%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
253 Main St, Southbridge, MA 01550
Premier Money Market
2.75%
$1,000
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 2026
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
MyPremium Money Market Tier 2
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.

Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
121 Main St, Yarmouth Port, MA 02675
Nonprofit Money Market
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
121 Main St, Yarmouth Port, MA 02675
Premier Money Market
2.59%
$0
View
▼
Rate2.56%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
Business Money Market Special
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
Business Money Market
2.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Monthly compounding

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
IRA Money Market
2.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Monthly compounding

North Easton SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
20 Eastman St, South Easton, MA 02375
Main Street Money MarketSpecial
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
IRA Money Market
2.53%
$10
View
▼
Rate2.50%
Min Deposit$10
Min Balance—
UpdatedMay 3, 2026
Details

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
100 SWIFT ST, EAST BOSTON, MA 02128 1864
Money Market (High Yield: New Money Special)
2.53%
$2,500
View
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 19, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA 02540
Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
103 N Elm St, Westfield, MA 01085
Money Market Accounts
2.27%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
Money Market
2.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Monthly compounding

AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
Premium Money Market Account
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
Money Market
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
IRA Money Market
1.95%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Monthly compounding

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
103 N Elm St, Westfield, MA 01085
Money Market Accounts
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
Business Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Workers Money Market Checking
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Minimum to Open: $1,000

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Workers Money Market
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA 02540
Business Money Market
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA 02540
Money Market Account
1.70%
$100,000
View
▼
Rate1.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 2026
Details

Alltrust Credit Union
Institution Rating:
D3.5 ★ Texas Ratio: 33.38%
123 Alden Rd, Fairhaven, MA 02719
Business Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Southcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
101 Page St, New Bedford, MA 02740
Tiered Savings/Money Market Accounts
1.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Workers Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Workers Money Market Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Minimum to Open: $1,000

AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
Premium Money Market Account
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA 02169 6714
Money Market Deposit Accounts Tier 4
1.50%
$100,000
View
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA 02169 6714
Money Market Tier 4
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
36 Park Ave, Worcester, MA 01609
Premium Money Market Account
1.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
40 Pine St, Stoneham, MA 02180 2048
Money Market Account
1.40%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
IRA Money Market
1.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Monthly compounding

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Workers Money Market
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Workers Money Market Checking
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Minimum to Open: $1,000

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Money Market Account
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Massachusetts and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Massachusetts Money Market Rate Trends

Compare local Massachusetts money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Massachusetts MMA Trends →
High-Yield MMA — MA Avg
3.508%
▲ 0.145 vs 7 days ago

Massachusetts high-yield MMA rates rose 0.145 points over the past 7 days to 3.508% APY.

Standard MMA — MA Avg
0.459%
▼ 0.163 vs 7 days ago

Massachusetts standard MMA rates fell 0.163 points over the past 7 days to 0.459% APY.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Massachusetts directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Massachusetts. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Massachusetts

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Massachusetts.

Are Money Market accounts in Massachusetts safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Massachusetts up to $250,000 per depositor, per institution.

How often do MMA rates change in Massachusetts?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Massachusetts rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Massachusetts?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Massachusetts require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Massachusetts

Here are some of the highest money market account APYs currently available in Massachusetts:
  • Eastern Bank
    Money Market Plus — 4.00% APY
  • HarborOne Bank
    Money Market Plus — 4.00% APY
  • Eastern Bank Boston, MA
    Money Market Plus — 4.00% APY
  • Citizens Bank
    Citizens Quest® Money Market — 3.75% APY
  • Wrentham Co-operative Bank
    Premier Money Market — 3.70% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 5, 2026

Massachusetts Rates & Resources

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