Best Money Market Rates in Watertown, Massachusetts (MA) - May 2026
Content reviewed by
Brian McKay
i
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Brian McKay
Brian McKay
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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 deposit account rates include Eastern Bank Boston, MAEastern Bank Boston, MA1 Church St, Watertown, MA 02472A+5.0 ★Texas Ratio: 2.03% Money Market Plus at 4.00% APY, Citizens BankCitizens Bank631 Mount Auburn St, Watertown, MA 02472A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Eastern BankEastern BankA+5.0 ★ Money Market Plus at 4.00% APY, HarborOne BankHarborOne BankA+5.0 ★Texas Ratio: 3.37% Money Market at 4.00% APY, and Savers Co-operative BankSavers Co-operative BankA+5.0 ★Texas Ratio: 4.61% Ultra Business Money Market at 4.00% APY. Money market rates as of May 23, 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: May 23, 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
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Money Market Plus
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Boosted 6 Month APY
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—
UpdatedMay 21, 2026
Details
Qualifying balance up to $1,000.00
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—
UpdatedMay 21, 2026
Details
Qualifying balance up to $1,000.00
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Money Market Plus
3.62%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Blended 12 Month APY
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Money Market Plus
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Standard APY
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Featured Premier Money Market
2.17%
$250,000
▼
Rate2.15%
Min Deposit$250,000
Min Balance—
UpdatedMay 21, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Featured Premier Money Market
1.21%
$100,000
▼
Rate1.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Money Market Plus
0.74%
$0
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Boosted 6 Month APY
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Money Market Plus
0.37%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Blended 12 Month APY
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Premier Money Market
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Money Market Plus
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Standard APY
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1 Church St, Watertown, MA 02472
Featured Premier Money Market
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMay 21, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
631 Mount Auburn St, Watertown, MA 02472
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $25,000.00
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $25,000.00
Savers Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.61%
Ultra Business Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifications Required
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—
UpdatedMay 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$15,000+
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Premier Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Money Market Plus
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Naveo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Premier Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Needham Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Super Saver Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Accounts
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Non-Profit Money Market
3.34%
$10
▼
Rate3.25%
Min Deposit$10
Min Balance—
UpdatedMay 21, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Money Market
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
up to
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Money Market Accounts
3.29%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 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—
UpdatedMay 21, 2026
Details
Balances $2,000,000-$4,000,000 (plus interest paid)
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Money Market Plus
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 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—
UpdatedMay 21, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Premier Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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—
UpdatedMay 21, 2026
Details
Balances $2,000,000-$4,000,000 (plus interest paid)
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★ Texas Ratio: 7.09%
High Yield Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
New Money Only
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—
UpdatedMay 21, 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—
UpdatedMay 17, 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—
UpdatedMay 17, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Level Up Money Market
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
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—
UpdatedMay 17, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
IRA Money Market
3.04%
$10
▼
Rate3.00%
Min Deposit$10
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 17, 2026
Details
Rate2.99%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
MyPremium Money Market Tier 4
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
MyPremium Money Market Tier 5
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
MyPremium Money Market Tier 3
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 17, 2026
Details
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Institution for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Business Gold Money Market (plus interest paid)
3.00%
$250,000
▼
Rate2.96%
Min Deposit$250,000
Min Balance—
UpdatedMay 21, 2026
Details
Balances $250,000-$1,000,000
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—
UpdatedMay 21, 2026
Details
Balances $250,000 and above
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—
UpdatedMay 21, 2026
Details
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—
UpdatedMay 21, 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—
UpdatedMay 17, 2026
Details
Cape Cod Co-operative Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Premier Money Market
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
High Yield Online Money Market
2.83%
$10
▼
Rate2.75%
Min Deposit$10
Min Balance—
UpdatedMay 21, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Business Money Market Account
2.83%
$10
▼
Rate2.75%
Min Deposit$10
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 17, 2026
Details
North Brookfield SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Level Up Money Market
2.79%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Money Market (High Yield: New Money Special)
2.79%
$2,500
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
North Easton SB
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Main Street Money MarketSpecial
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
IRA Money Market
2.78%
$10
▼
Rate2.75%
Min Deposit$10
Min Balance—
UpdatedMay 21, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
Business Money Market Savings Special
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
MyPremium Money Market Tier 1
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
MyPremium Money Market Tier 2
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Cornerstone Bank Spencer, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Premier Money Market
2.75%
$1,000
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Amplify Money Market
2.75%
$10
▼
Rate2.68%
Min Deposit$10
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
First Priority Credit Union Boston, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Money Market (High Yield: New Money Special)
2.53%
$2,500
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Premier Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Money Market Accounts
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Money Market
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Over $200,000
Taupa Lithuanian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Money market / Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Millbury Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
Business Money Market Savings Special
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
as High as
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
Money Market Plus
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Money Market Accounts
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
Workers Money Market Checking
1.75%
$1,000
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.41%
Workers Money Market
1.75%
$1,000
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Super Money Market
1.75%
$100,000
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Business Money Market
1.75%
$100,000
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
Money Market Account
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
Business Money Market
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
Money Market Account
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
18/65 Money Market Account
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
Business Money Market Account
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Super Money Market
1.50%
$50,000
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Business Money Market
1.50%
$50,000
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
BrightBridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Money Market Tier 4
1.50%
$100,000
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Quincy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
Money Market Deposit Accounts Tier 4
1.50%
$100,000
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
Money Market Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.60%
Business Money Market Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Southbridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Money Market
1.50%
$50,000
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
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MonitorBankRates
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
3.516%
▲ 0.014 vs 7 days ago
Massachusetts high-yield MMA rates rose 0.014 points over the past 7 days to 3.516% APY.
Standard MMA — MA Avg
0.489%
▲ 0.064 vs 7 days ago
Massachusetts standard MMA rates rose 0.064 points over the past 7 days to 0.489% APY.
As of May 24, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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)?
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 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.
How much do I need to deposit to open a money market account in Watertown, 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 Watertown, 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 Watertown, Massachusetts
Here are some of the highest money market account APYs currently available in Watertown, 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 - Eastern Bank
Money Market Plus — 4.00% APY - HarborOne Bank
Money Market — 4.00% APY - Savers Co-operative Bank
Ultra Business Money Market — 4.00% 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: May 23, 2026
Watertown, Massachusetts Rates & Resources
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