Falmouth, Massachusetts Money Market Rates for October 2026
Brian McKay
Brian McKay
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Falmouth, Massachusetts money market account rates range from 0.05% to 4.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Falmouth, Massachusetts and the surrounding area money market deposit account rates include Eastern BankEastern Bank815 Main St, Falmouth, MA 02540A+5.0 ★Texas Ratio: 2.61%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 30, 2026 Money Market Plus - Boosted 6 Month at 4.00% APY, Citizens BankCitizens Bank50 Davis Straits, Falmouth, MA 02540A+5.0 ★Texas Ratio: 5.44%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 31, 2026 Citizens Private Client Money Market at 3.50% APY, Cape Cod Co-operative BankCape Cod Co-operative Bank238 Worcester Ct, Falmouth, MA 02540A5.0 ★Texas Ratio: 8.54%Real return: -0.85%APY minus 3.7% CPIRate verified Oct 31, 2026 Premier Money Market at 2.85% APY, Service Federal Credit UnionService Federal Credit Union199 Worcester Ct, Falmouth, MA 02540A-4.9 ★Texas Ratio: 16.25%Real return: -1.20%APY minus 3.7% CPIRate verified Oct 31, 2026 Business Money Market at 2.50% APY, and Marthas Vineyard BankMarthas Vineyard Bank2 Water St, Falmouth, MA 02543A+5.0 ★Texas Ratio: 0.66%Real return: -2.19%APY minus 3.7% CPIRate verified Oct 27, 2026 Business Sweep Money Market at 1.51% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Falmouth has 8 local institutions in our database, with money market rates as high as 4.00% APY from Eastern Bank at 815 Main St, Falmouth, MA 02540. Use the table below to compare all available offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Falmouth, Massachusetts and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Falmouth, Massachusetts & the Surrounding Area
Balance: $25,000-$10,000,000; Blended 12 Month APY: 3.62%
Preferred rates; Must have a Citizens Private Client Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Private Client Checking; Rhode Island rates
Preferred rates; Must have a Citizens Quest Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Quest Checking; Rhode Island rates
- Oct 31, 20263.50%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $25,000-$10,000,000; Blended 12 Month APY: 3.62%
Balance: $500,000 - 999,999.99
Balance: $250,000 - 499,999.99
Balance: $250,000 - 499,999.99
Call To Get Started; Balance: $100,000.00 - $249,999.99
- Oct 7, 20262.50%▲ from 1.70%
- Sep 18, 20261.70%first recorded
Balance: $100,000.00 minimum daily balance; Tier 3
- Oct 7, 20262.50%▲ from 1.70%
- Sep 18, 20261.70%first recorded
Balance: $25,000 - 99,999.99
Balance: $1,000,000 & up
Balance: $0 - 24,999.99
Balance: $100,000 - 249,999
Balance: $25,000 - 99,999.99
Balance: $500,000 - 999,999.99
Balance: $250,000+; Method of Compounding: Monthly
Balance: $250,000 - 499,999.99
Balance: $100,000.00 and above
Balance: $100,000 - 249,999.99
Balance: $250,000 - $499,999.99; Avoid monthly maintenance fees: $2,500 minimum daily balance
Balance: $1,000,000 and over; Minimum balance to avoid monthly maintenance fees: $2,500
Balance: $1,000,000 and over; Minimum Daily Balance to Avoid Monthly Maintenance Fees: $2,500
Balance: $500,000 - $999,999.99; Minimum balance to avoid monthly maintenance fees: $2,500
Balance: $500,000 - $999,999.99; Minimum Daily Balance to Avoid Monthly Maintenance Fees: $2,500
Balance: $250,000 - $499,999.99; Minimum balance to avoid monthly maintenance fees: $2,500
Balance: $250,000 - $499,999.99; Minimum Daily Balance to Avoid Monthly Maintenance Fees: $2,500
Balance: $25,000 - 99,999.99
Balance: $250,000 - $499,999.99; Avoid monthly maintenance fees: $2,500 minimum daily balance
Balance: $0 - 24,999.99
Balance: $100,000 - $249,999; Method of Compounding: Monthly
Balance: $1,000,000 and over; Compounded: Monthly
Balance: $100,000 - $249,999.99; Avoid monthly maintenance fees: $2,500 minimum daily balance
Balance: $100,000 - $249,999.99; Minimum balance to avoid monthly maintenance fees: $2,500
Balance: $100,000 - $249,999.99; Minimum Daily Balance to Avoid Monthly Maintenance Fees: $2,500
Balance: $10.00 - $99,999.99
Balance: $10-$24,999; Blended 12 Month APY: 0.37%
Balance: $10 - $24,999.99; Avoid monthly maintenance fees: $2,500 minimum daily balance
Balance: $100,000 - $249,999.99; Avoid monthly maintenance fees: $2,500 minimum daily balance
Call To Get Started; Balance: $25,000.00 - $99,999.99
Balance: $25,000.00 minimum daily balance; Tier 2
Balance: $10 - $49,999.99; Minimum balance to avoid monthly maintenance fees: $2,500
Balance: $10 - $49,999.99; Minimum Daily Balance to Avoid Monthly Maintenance Fees: $2,500
Balance: $10 - $24,999.99; Avoid monthly maintenance fees: $2,500 minimum daily balance
Balance: $1,000,000 and over; Compounded: Monthly
Balance: $25,000.00 - $49,999.99; Compounded: Monthly
Call To Get Started; Balance: $2,500.00 - $24,999.99
Balance: $2,500.00 minimum daily balance; Tier 1
Balance: $0 - 24,999.99
Balance: $25,000.00 - $49,999.99; Compounded: Monthly
Balance: $5,000.00 - $24,999.99; Compounded: Monthly
Balance: $100,000.00 and above
Balance: $0 - 14,999.99
Balance: $2,500 or more
Balance: $75,000.00 or more
Balance: $10,000.00 - $24,999.99; Compounded: Monthly
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 or more but less than $75,000.00
Balance: $25,000.00 or more but less than $50,000.00
Balance: $50,000.00 and above
Balance: $0.01 - $4,999.99; Compounded: Monthly
Balance: $10,000.00 or more but less than $25,000.00
Balance: $1.00 or more but less than $10,000.00
Balance: $15,000 and Above; Minimum Monthly Avg Balance
- Sep 21, 20263.85%▲ from 3.59%
- Sep 14, 20263.59%first recorded
Balance: $249,999.01 - $9,999,999.00
Balance: $2,499,999.01 - $9,999,999
Balance: $250,000.00 and above
Balance: $250,000.00 and above
Balance: $500,000.00 or more
Balance: $500,000 - $999,999.99; Premier Checking required to open
Balance: $500,000.00
Balance: $99,999.01 - $249,999
Earn up to 3.50% APY; Featured homepage rate; APY* Annual Percentage Yield
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $100,000 and over; Dividends paid and compounded monthly; 3 free withdrawals per month then $5.00 fee per; $500 minimum withdrawal amount
Balance: $1,000,000+
Balance: $1,000,000+; Minimum balance to avoid service fee is $2,500.00
Balance: $50,000 or more
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $500,000 and up; Dividends compound monthly
Balance: $250,000.00 to $499,999.99
Balance: $100,000 - $249,999.99; Premier Checking required to open
Balance: $10,000.00+
Balance: $250,000-$499,999.99
Balance: $50,000.00 or more
Minimum Daily Balance to Earn: $10,000.00; New Money Only: Yes
Balance: $50,000 to $99,999.99; Dividends paid and compounded monthly; 3 free withdrawals per month then $5.00 fee per; $500 minimum withdrawal amount
Balance: $100,000.00 to $249,999.99
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
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.
Falmouth, MA Money Market Rate Trends
Compare local Falmouth, MA 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.
Massachusetts high-yield MMA rates fell 0.002 points over the past 7 days to 3.024% APY.
Massachusetts standard MMA rates fell 0.012 points over the past 7 days to 0.522% APY.
Falmouth, Massachusetts Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current MA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current MA high-yield money market average of 3.024% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
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 rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based 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 in Falmouth, Massachusetts.
Money Market Account Earnings in Falmouth, Massachusetts
Annual interest earnings at current MA average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.024% APY) | Monthly Earnings | Standard MMA (0.522% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $302.35 / year | $25.20 | $52.23 / year | $4.35 |
| $25,000 | $755.88 / year | $62.99 | $130.58 / year | $10.88 |
| $50,000 | $1,511.75 / year | $125.98 | $261.15 / year | $21.76 |
| $100,000 | $3,023.50 / year | $251.96 | $522.30 / year | $43.53 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Falmouth, Massachusetts money market rate averages as of October 31, 2026. | ||||
About Our Falmouth, Massachusetts Money Market Rate Database
MonitorBankRates found 8 institutions with branches in Falmouth (6 banks, 2 credit unions), plus 42 additional state-chartered and national online institutions available to Falmouth residents. 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: Eastern Bank offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Falmouth, Massachusetts.
How to Find the Best Money Market Rates in Falmouth, Massachusetts
What to compare when shopping for a money market account in Falmouth, Massachusetts
To find the best money market APYs in Falmouth, Massachusetts, start with credit unions and online-only banks: Falmouth, Massachusetts has 17 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current MA high-yield money market average is 3.024% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Falmouth, Massachusetts high-yield money market rates currently average 3.024% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Falmouth, Massachusetts institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 50 institutions in Falmouth, Massachusetts report money market rates to our database.
- You’re among Falmouth, Massachusetts’s 46.0% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Falmouth, Massachusetts CD rates
- You don’t need check writing and want a lower minimum Falmouth, Massachusetts savings rates
- You need daily transaction access Falmouth, Massachusetts checking rates
Falmouth, Massachusetts Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
46.0% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; a low unemployment rate of 2.7% reflects a strong local economy with solid savings capacity. At today’s MA high-yield money market average of 3.024%, saving 10% of the local median salary ($5,257/year) would earn an additional $159 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Falmouth, Massachusetts Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Falmouth, Massachusetts.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MA Avg APY | 3.024% | View Savings Rates | 0.522%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Falmouth, Massachusetts averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Falmouth, Massachusetts Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Falmouth, Massachusetts rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Falmouth, Massachusetts
At MA’s top money market rate of 4.00% from Eastern Bank, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Falmouth, Massachusetts earner is roughly $13,100. At 3.024% APY in a money market account, saving $1,100/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountMassachusetts’s high-yield money market average is 3.024% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Falmouth, Massachusetts earner makes $52,576/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.024% APY.
Retirement PlannerA $25,000 money market balance earning 3.024% APY grows to roughly $45,359 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Falmouth, Massachusetts money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Falmouth, 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 Falmouth, 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 Falmouth, Massachusetts
What are money market account rates in Falmouth, Massachusetts today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Falmouth, Massachusetts safe?
How often do MMA rates change in Falmouth, Massachusetts?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Falmouth, Massachusetts?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Falmouth, Massachusetts for money market accounts?
Best Money Market Rates in Falmouth, Massachusetts
- Eastern Bank
Money Market Plus - Boosted 6 Month: 4.00% APY - Citizens Bank
Citizens Private Client Money Market: 3.50% APY - Cape Cod Co-operative Bank
Premier Money Market: 2.85% APY - Service Federal Credit Union
Business Money Market: 2.50% APY - Marthas Vineyard Bank
Business Sweep Money Market: 1.51% APY
Falmouth, Massachusetts Rates & Resources
