Best Money Market Rates in Watertown, Massachusetts (MA) - April 2026
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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.
Current Watertown, Massachusetts and the surrounding area money market rates include Athol Savings BankAthol Savings BankA5.0 ★Texas Ratio: 7.51% Xtreme Business Money Market at 4.25% APY, Citizens BankCitizens Bank631 Mount Auburn St, Watertown, MA 02472A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Community Credit Union Of LynnCommunity Credit Union Of LynnA-5.0 ★Texas Ratio: 14.06% Community High Yield Money Market Account at 3.75% APY, Liberty Bay Credit UnionLiberty Bay Credit UnionA+5.0 ★Texas Ratio: 2.15% High Yield Money Market at 3.75% APY, and Wrentham Co-operative BankWrentham Co-operative BankA+5.0 ★Texas Ratio: 0.00% Premier Money Market at 3.70% APY. Money market rates as of April 6, 2026 according to verified data from MonitorBankRates.
Watertown has 2 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 631 Mount Auburn St, Watertown, MA 02472. 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 Watertown, Massachusetts and surrounding area. Last Updated and Verified: April 6, 2026
Compare the Best Money Market Rates Today in Watertown, Massachusetts & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
631 Mount Auburn St, Watertown, MA 02472
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
631 Mount Auburn St, Watertown, MA 02472
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Money Market
3.25%
$50,000
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 3, 2026
Details
Athol Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Xtreme Business Money Market
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Variable Rate
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★ Texas Ratio: 14.06%
Community High Yield Money Market Account
3.75%
$10,000
▼
Rate3.69%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
Earn 3.75% Annual Percentage Yield for new money only.
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
High Yield Money Market
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Business Money Market
3.75%
$5
▼
Rate3.68%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Premier Money Market
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Non-Profit Money Market
3.61%
$10
▼
Rate3.50%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
High Yield Money Market & iYield Money Market Account
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Open Online
Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Super Saver Money Market
3.50%
$250
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
$50,000+
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Money Market Plus
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
High Yield Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$15,000+
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Platinum Money Market
3.49%
$20,000
▼
Rate3.44%
Min Deposit$20,000
Min Balance—
UpdatedApr 3, 2026
Details
Rate3.45%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
$50,000.00+
Millbury National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Platinum Money Market**
3.34%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rate Index: 30 Day Avg SOFR* minus 10% of the 30 Day Avg SOFR rate index
Millbury National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Platinum Money Market
3.34%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rate Index: 30 Day Avg SOFR* minus 10% of the 30 Day Avg SOFR rate index
Cape Ann Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Lighthouse Business Money Market Account
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
UKRAINIAN SELFRELIANCE NEW ENGLAND
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market Accounts
3.29%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Beverly Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Money Market Plus
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Sapphire Money Market
3.25%
$2,000,000
▼
Rate3.20%
Min Deposit$2,000,000
Min Balance—
UpdatedApr 3, 2026
Details
Balances $2,000,000-$4,000,000 (plus interest paid)
Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Business Sapphire Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 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
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Canton Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.05%
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Canton Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.05%
Premium & IRA Premium Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
High Yield Money Market & iYield Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Open Online
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 18.63%
High Yield Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
New Money Only
Everett Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
IRA Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Business Money Market Special
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
tcb The Cooperative Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.39%
TCB Premier Money MarketEffective 04-01-2026
3.15%
$2,500
▼
Rate3.11%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
High Yield Online Money Market
3.09%
$10
▼
Rate3.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Business Money Market Account
3.09%
$10
▼
Rate3.00%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details
Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Advantage Money Market Account
3.09%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Bluestone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Business Platinum Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Note: Earn this high rate when you open a Business Platinum Money Market with money that is not already held in a Bluestone Bank account.
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Level Up Money Market
3.05%
$20,000
▼
Rate3.00%
Min Deposit$20,000
Min Balance—
UpdatedApr 4, 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
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Premier Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Canton Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.05%
Business Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Canton Co-operative Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.05%
Premium & IRA Premium Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rate2.99%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Gold Money Market
3.00%
$250,000
▼
Rate2.96%
Min Deposit$250,000
Min Balance—
UpdatedApr 3, 2026
Details
Balances $250,000 and above
OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
High Yield Money Market & iYield Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Open Online
Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Business Gold Money Market
3.00%
$250,000
▼
Rate2.96%
Min Deposit$250,000
Min Balance—
UpdatedApr 3, 2026
Details
plus interest paid
Beverly Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Money Market
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Premier Money Market
3.00%
$1,000
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Business Money Market
3.00%
$5
▼
Rate2.96%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
VIP Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Money Market Special
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Dedham Institution for Savings
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Premium Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Bank of Easton
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Advantage Money Market Account
2.99%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Business Money Market Special
2.80%
$0
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market
2.79%
$2,500
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details
(High Yield: New Money Special)
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
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Level Up Money Market
2.79%
$20,000
▼
Rate2.75%
Min Deposit$20,000
Min Balance—
UpdatedApr 4, 2026
Details
Balance of $500,000.01-$1,000,000.00
North Easton SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Main Street Money Market
2.78%
$500
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500 minimum to open. Rates are variable and may change after account opening. Fees may reduce earnings.
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
Ultra Money Market Special -Personal and Business
2.75%
$0
▼
Rate2.68%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OneLocal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
High Yield Money Market & iYield Money Market Account
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Open Online
Village Bank Auburndale, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Village Money Market Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Everett Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
*** Everett Elite Money Market
2.75%
$2,500
▼
Rate2.72%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Business Money Market Savings Special
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Money Market Account
2.75%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market (High Yield: New Money Special)
2.53%
$2,500
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market
2.53%
$2,500
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details
(High Yield: New Money Special)
Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Westport Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Money Market Account
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Money Market Account
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Beverly Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Liberty Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Business Money Market
2.50%
$5
▼
Rate2.47%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Worcester Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
VIP Money Market
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Westport Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Money Market Account
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Money Market Account
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Naveo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Premier Money Market Tier 3
2.01%
$2,500
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 24, 2026
Details
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Money Market Account
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Westport Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Money Market Account
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Money market / Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Business Money Market Savings Special
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Money Market
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Over $200,000
Southbridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
AllCom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
Premium Money Market Account
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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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 Watertown, 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.
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.
Watertown, MA Money Market Rate Trends
Compare local Watertown, 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.
High-Yield MMA — MA Avg
0.931%
▼ 0.004 vs 7 days ago
Massachusetts high-yield MMA rates fell 0.004 points over the past 7 days to 0.931% APY.
Standard MMA — MA Avg
1.045%
▲ 0.208 vs 7 days ago
Massachusetts standard MMA rates rose 0.208 points over the past 7 days to 1.045% APY.
As of Apr 8, 2026 • Rate data sourced from 8,500+ monitored institutions
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Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Watertown, 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 Watertown, 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 Watertown, Massachusetts
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings 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 Watertown, 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 Watertown, 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.
Best Money Market Rates in Watertown, Massachusetts
Here are some of the highest money market account APYs currently available in Watertown, Massachusetts and the surrounding area:
- Athol Savings Bank
Xtreme Business Money Market — 4.25% APY - Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Community Credit Union Of Lynn
Community High Yield Money Market Account — 3.75% APY - Liberty Bay Credit Union
High Yield 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 Watertown, Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 6, 2026
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