Best Money Market Rates in Watertown, Massachusetts - July 2026
Brian McKay
Brian McKay
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Current Watertown, Massachusetts and the surrounding area money market deposit account rates include Eastern Bank Boston, MAEastern Bank Boston, MA1 Church St, Watertown, MA 02472A+5.0 ★Texas Ratio: 2.03% Money Market at 4.00% APY, Citizens BankCitizens Bank631 Mount Auburn St, Watertown, MA 02472A5.0 ★Texas Ratio: 8.28% Citizens Private Client Money Market at 3.50% APY, Eastern BankEastern BankA+5.0 ★ Money Market Plus at 4.00% APY, Wrentham Co-operative BankWrentham Co-operative BankA+5.0 ★Texas Ratio: 0.00% Premier Money Market at 3.70% APY, and Rockland Federal Credit UnionRockland Federal Credit UnionA+5.0 ★Texas Ratio: 3.27% Money Market at 3.55% APY. Money market rates as of July 11, 2026 according to verified data from MonitorBankRates.
Watertown has 2 local institutions in our database, with money market rates as high as 4.00% APY from Eastern Bank Boston, MA at 1 Church 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: July 11, 2026
Compare the Best Money Market Rates Today in Watertown, Massachusetts & the Surrounding Area
Boost Your Savings up to 4.00% Annual Percentage Yield with a Money Market. Get up to 3.25% APY plus a 0.75% APY boost for 6 months on balances of $25,000 to $10 million.
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Boosted 6 Month APY: 4.00%, Boosted 6 Month Interest Rate: 3.93%
Standard rates; Must have a Citizens Private Client® Checking account.
Standard rates; Requires a Citizens Quest® Checking account.
Standard rates; Monthly maintenance fees $0 or $10; Keep a minimum daily balance of at least $2,500 to waive the fee.
Boost Your Savings up to 4.00% Annual Percentage Yield with a Money Market. Get up to 3.25% APY plus a 0.75% APY boost for 6 months on balances of $25,000 to $10 million when you open a Money Market Plus.
Compounding: Daily; Open Online
Premier Checking required to open the Premier Money Market.
Available to Premium Checking customers when linked with a Premium Checking Account. No monthly maintenance fees. Easy online access and flexibility to move funds when needed.
Qualifying balance $1,000,000+
APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
As Low As
Compounding: Daily; Open Online
New Money Only: Yes
Premier Checking required to open the Premier Money Market.
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.
Compounding: Daily; Open Online
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.
Balances $250,000-$1,000,000 (plus interest paid)
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.
Equal to or greater than $250,000.01
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.
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.
Premier Checking required to open the Premier Money Market.
Minimum Daily Balance for Stated APY: $100,000 or more
Minimum Daily Balance for Stated APY: $100,000 or more
Minimum Daily Balance for Stated APY: $25,000-$99,999.99
APY* - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. The minimum balance to avoid a service fee is $2,500.00. Fees may reduce earnings. Rates subject to change daily and may change after the account is opened. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
Qualifying balance from $250,000.00 - $999,999.99
Minimum Daily Balance for Stated APY: $25,000-$99,999.99
Premier Checking required to open the Premier Money Market.
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.
Massachusetts high-yield MMA rates currently average 3.487% APY.
Massachusetts standard MMA rates rose 0.006 points over the past 7 days to 0.440% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Watertown, 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 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)?
Are Money Market accounts in Watertown, Massachusetts safe?
How often do MMA rates change in Watertown, Massachusetts?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Watertown, Massachusetts?
Best Money Market Rates in Watertown, Massachusetts
- Eastern Bank Boston, MA
Money Market — 4.00% APY - Citizens Bank
Citizens Private Client Money Market — 3.50% APY - Eastern Bank
Money Market Plus — 4.00% APY - Wrentham Co-operative Bank
Premier Money Market — 3.70% APY - Rockland Federal Credit Union
Money Market — 3.55% APY
Watertown, Massachusetts Rates & Resources
