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

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Brian McKay Brian McKay
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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 12, 2026

Current Needham, Massachusetts and the surrounding area money market deposit account rates include Eastern Bank Boston, MAEastern Bank Boston, MA865 Central Ave, Needham, MA 02492A+5.0 ★Texas Ratio: 2.03% Money Market Plus at 4.00% APY, Citizens BankCitizens Bank968 Highland Ave, Needham, MA 02494A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Needham BankNeedham Bank1063 Great Plain Ave, Needham, MA 02492A+5.0 ★Texas Ratio: 3.75% Premium Money Market at 3.50% APY, Dedham Institution for SavingsDedham Institution for Savings1077 Great Plain Ave, Needham, MA 02492A5.0 ★Texas Ratio: 6.25% Premium Money Market Account at 3.00% APY, and Direct Federal Credit UnionDirect Federal Credit Union50 Cabot St, Needham, MA 02494A+5.0 ★Texas Ratio: 2.76% money market at 2.20% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Needham has 6 local institutions in our database, with money market rates as high as 4.00% APY from Eastern Bank Boston, MA at 865 Central Ave, Needham, MA 02492. Use the table below to compare all available offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Needham, Massachusetts and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Needham, Massachusetts & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
865 Central Ave, Needham, MA 02492
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%
968 Highland Ave, Needham, MA 02494
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%
968 Highland Ave, Needham, MA 02494
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

Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1063 Great Plain Ave, Needham, MA 02492
Premium 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%
1063 Great Plain Ave, Needham, MA 02492
Super Saver Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
865 Central Ave, Needham, MA 02492
Money Market Plus
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Standard APY

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
1077 Great Plain Ave, Needham, MA 02492
Premium Money Market Account
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Direct Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
50 Cabot St, Needham, MA 02494
money market
2.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
865 Central Ave, Needham, MA 02492
Featured Premier Money Market
2.17%
$0
View
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
865 Central Ave, Needham, MA 02492
Featured Premier Money Market
1.21%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
865 Central Ave, Needham, MA 02492
Money Market Plus
0.74%
$0
View
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Boosted 6 Month APY

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
1077 Great Plain Ave, Needham, MA 02492
Preferred Money Market Account
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
968 Highland Ave, Needham, MA 02494
Citizens Private Client® Money Market
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Premier Money Market
0.09%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Premier Money Market
0.07%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Plus Money Market
0.07%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
1077 Great Plain Ave, Needham, MA 02492
Premium Money Market Account
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Plus Money Market
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
1077 Great Plain Ave, Needham, MA 02492
Money Market Account
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
1077 Great Plain Ave, Needham, MA 02492
Preferred Money Market Account
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Plus Money Market
0.04%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Primary Money Market
0.04%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Retirement Money Market (IRA)
0.04%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
968 Highland Ave, Needham, MA 02494
Citizens Quest® Money Market
0.03%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Primary Money Market
0.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Retirement Money Market (IRA)
0.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
865 Central Ave, Needham, MA 02492
Featured Premier Money Market
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
968 Highland Ave, Needham, MA 02494
Personal Money Market
0.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
865 Central Ave, Needham, MA 02492
Premier Money Market
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
865 Central Ave, Needham, MA 02492
Money Market Plus
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Standard APY

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Primary Money Market
0.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
129 Chestnut St, Needham, MA 02492
Retirement Money Market (IRA)
0.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Eastern Bank
Institution Rating:
A+5.0 ★
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%
Money Market Plus
4.00%
$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%
Premier Money Market
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

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

BankProv
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
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%
High Yield Money Market & iYield Money Market Account
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Open Online

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

Naveo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Premier Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000+

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Money Market Plus
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Accounts
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
3.29%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

up to

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Money Market Plus
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
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)

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

OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
High Yield Money Market & iYield Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Open Online

Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
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%
High Yield Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

New Money Only

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
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%
Business Premier Leader Money MarketSpecial
3.19%
$0
View
▼
Rate3.14%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
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%
Level Up Money Market
3.05%
$20,000
View
▼
Rate3.00%
Min Deposit$20,000
Min Balance—
UpdatedMay 5, 2026
Details

Balance of $1,000,000.01 or More

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

Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
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%
Connect Money Market
3.03%
$100
View
▼
Rate2.99%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
High Yield Money Market & iYield Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Open Online

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
MyPremium Money Market Tier 5
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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%
MyPremium Money Market Tier 4
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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%
MyPremium Money Market Tier 3
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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.

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Money Market Plus
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market (High Yield: New Money Special)
2.79%
$2,500
View
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Business Money Market Savings Special
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
MyPremium Money Market Tier 1
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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%
MyPremium Money Market Tier 2
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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.

First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market (High Yield: New Money Special)
2.53%
$2,500
View
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
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%
Money Market Accounts
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Southbridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

As High as

Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Money Market
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Over $200,000

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Business Money Market Savings Special
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Money market / Savings
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Money Market Plus
1.77%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Workers Money Market
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.04%
Workers Money Market Checking
1.75%
$1,000
View
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Money Market
1.75%
$100,000
View
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Super Money Market
1.75%
$100,000
View
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Money Market Account
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

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

Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
Business Money Market Account
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Money Market Account
1.70%
$100,000
View
▼
Rate1.69%
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 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 Needham, 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.

Needham, MA Money Market Rate Trends

Compare local Needham, 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.

View Full Massachusetts MMA Trends →
High-Yield MMA — MA Avg
3.521%
▲ 0.007 vs 7 days ago

Massachusetts high-yield MMA rates rose 0.007 points over the past 7 days to 3.521% APY.

Standard MMA — MA Avg
0.444%
▲ 0.004 vs 7 days ago

Massachusetts standard MMA rates rose 0.004 points over the past 7 days to 0.444% APY.

As of May 13, 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 Needham, 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 Needham, 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 Needham, 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 Needham, 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 Needham, 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 Needham, 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 Needham, 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 Needham, Massachusetts

Here are some of the highest money market account APYs currently available in Needham, Massachusetts and the surrounding area:
  • Eastern Bank Boston, MA
    Money Market Plus — 4.00% APY
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
  • Needham Bank
    Premium Money Market — 3.50% APY
  • Dedham Institution for Savings
    Premium Money Market Account — 3.00% APY
  • Direct Federal Credit Union
    money market — 2.20% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Needham, Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

Needham, Massachusetts Rates & Resources

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