Worcester, Massachusetts Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Worcester, Massachusetts money market account rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Worcester, Massachusetts and the surrounding area money market deposit account rates include CENTRAL ONECENTRAL ONE123 Summer St Ste 510, Worcester, MA 01608 1216A+5.0 ★Texas Ratio: 5.45%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY, Workers Federal Credit UnionWorkers Federal Credit Union301 Grove St Ste 1, Worcester, MA 01605A+5.0 ★Texas Ratio: 5.99%Real return: +1.05%APY minus 2.8% CPI (February 2026) Signature Money Market Checking at 3.85% APY, Citizens BankCitizens Bank541a Lincoln St, Worcester, MA 01605A+5.0 ★Texas Ratio: 5.44%Real return: +0.70%APY minus 2.8% CPI (February 2026) Citizens Private Client Money Market at 3.50% APY, DCU Digital Federal Credit UnionDCU Digital Federal Credit Union129 Gold Star Blvd, Worcester, MA 01606A5.0 ★Texas Ratio: 10.34%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Savings at 3.50% APY, and Webster First Federal Credit UnionWebster First Federal Credit Union271 Greenwood St, Worcester, MA 01607A+5.0 ★Texas Ratio: 1.75%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Plus at 3.50% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Worcester has 19 local institutions in our database, with money market rates as high as 4.00% APY from CENTRAL ONE at 123 Summer St Ste 510, Worcester, MA 01608 1216. 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 Worcester, Massachusetts and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Worcester, Massachusetts & the Surrounding Area
Balance: $200,000.00 +
Balance: $15,000 and Above
- Sep 21, 20263.85%▲ from 3.59%
- Sep 14, 20263.59%first recorded
Preferred rates; New money is required to qualify for preferred rates.
Preferred rates; New money required to qualify for preferred rates.
Balance: $500,000.00
Balance: $100,000.00 - $199,999.99
Balance: $1,000,000+
Balance: $1,000,000+; 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.
Balance: $50,000.00 or more
Balance: $250,000-$499,999.99
Requires a Beacon Bank checking account with an ownership relationship. Balance cannot exceed $5,000,000. Interest rate paid on the entire balance.
- Oct 2, 20263.20%▲ from 3.05%
- Sep 28, 20263.05%first recorded
Requires a Beacon Bank checking account with an ownership relationship. Balance cannot exceed $5,000,000. Interest rate paid on the entire balance.
Balance: $1million and above
Balance: $10,000.01 - $50,000
Balance: $100,000-$249,999.99
Balance: $50,000.00 - $99,999.99
Balance: $250,000+
Balance: $500,000.00 and over
Balance: $10,000.00-$49,999.99
Balance: $0 - $249,999.99
Balance: $0 - $249,999.99
Balance: >= $1,000,000; Business accounts only
Balance: $250,000.00 - $499,999.99
Maximum of three (3) withdrawals per month.
Balance: $0.00 - $49,999.99
Balance: $50,000.00 - $99,999.99
Balance: $500,000 - $999,999.99; Business accounts only
Balance: $100,000.00 - $or more
Balance: $100,000 - $499,999.99; Business accounts only
Balance: $1,000,000.01 and over
Maximum of three (3) withdrawals per month.
Balance: $250,000 - $999,999.99
Balance: $250,000-$999,999.99; 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.
Maximum of three (3) withdrawals per month.
Balance: $50.00-$9,999.99
Balance: $25,000.00 - $49,999.99
Balance: $50,000 - $99,999.99; Business accounts only
Maximum of three (3) withdrawals per month.
Balance: $50,000.00 - $99,999.99
Balance: $10,000.00 - $49,999.99
Balance: $0.01 - $9999.99
Balance: $0 - $49,999; Business accounts only
Balance: $1,000,000 and over
Balance: $25.00 - $49,999.99
Balance: $2,000 and above; Up to 6 withdrawals per month.
Maximum of six (6) withdrawals per month.
Balance: $100,000 - $249,999.99
Balance: $100,000-$249,999.99; 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.
Balance: $1,000.00 - $24,999.99
Balance: $12.00 - $250,000.00; Balances up to $250,000.00 receive an APY of 0.75%; Must maintain a minimum available balance of $25,000.00 to avoid a monthly service charge fee of $30.00; E-statements are a requirement of the account
Balance: $50,000 - $99,999.99
Balance: $50,000-$99,999.99; 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.
Balance: $1,000,000 and over
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $0.00 - $999.99
Balance: $25,000 - $49,999.99
Balance: $25,000-$49,999.99; 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.
Balance: $100,000.00 and above
Balance: $5,000.00 - $24,999.99
Balance: $1,000,000+
Balance: $50,000.00 or more; Minimum to Earn Dividend: $50,000.00; Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $5.00; Membership requirements apply
Balance: $100,000 - $999,999.99
Balance: $50,000 - $99,999.99
Balance: $1,000.00-$49,999.99
Balance: $250,000.01 and over; Balances over $250,000.00 receive an APY of 0.25% on the portion of the balance over $250,000.00; Must maintain a minimum available balance of $25,000.00 to avoid a monthly service charge fee of $30.00; E-statements are a requirement of the account
Balance: $0.00 - $2,499.99
Balance: $0.00-$2,499.99; 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.
Balance: $10,000.00 - $24,999.99
Balance: $0.01 to $999,999
Balance: $50,000 - $99,999.99
Balance: $25,000 - $49,999.99
Balance: $10,000 - $49,999.99
Balance: $500,000.00
Balance: $61.00 - $49,999.99; Minimum to Earn Dividend: $61.00; Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $5.00; Membership requirements apply
Balance: $0.01 - $4,999.99
Balance: $0.01 - $24,999.99
Balance: $1,000 - $9,999.99
Balance: $25,000 and above
Balance: $25,000 and above
Balance: $10-$24,999.99
Balance: $0.01- $9,999.99
Balance: $10,000-$24,999.99
Balance: $10.00 - $999.99
Balance: $10-$9,999.99
Balance: $25,000 and above
Balance: $25,000 and above
Standard rates; New money required to qualify for preferred rates.
Balance: $0 - $2,499
Balance: $10,000-$24,999.99
Balance: $10,000-$24,999.99
Balance: $10-$9,999.99
Balance: $10-$9,999.99
Minimum deposit of $500 required to open the account. Must maintain the minimum balance each day that is required in each tier to obtain the disclosed Annual Percentage Yield. Rate is variable and can change after the account is opened. Rates effective 8/18/2022. Balance: $0.00 - $24,999.99
- Oct 11, 20265.00%▲ from 0.15%
- Sep 19, 20260.15%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.
Worcester, MA Money Market Rate Trends
Compare local Worcester, 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 rose 0.040 points over the past 7 days to 3.084% APY.
Massachusetts standard MMA rates fell 0.006 points over the past 7 days to 0.524% APY.
Worcester, 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 3.084% 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 Worcester, Massachusetts.
Money Market Account Earnings in Worcester, 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 (3.084% APY) | Monthly Earnings | Standard MMA (0.524% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $308.43 / year | $25.70 | $52.39 / year | $4.37 |
| $25,000 | $771.07 / year | $64.26 | $130.98 / year | $10.92 |
| $50,000 | $1,542.15 / year | $128.51 | $261.95 / year | $21.83 |
| $100,000 | $3,084.30 / year | $257.03 | $523.90 / year | $43.66 |
| 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: Worcester, Massachusetts money market rate averages as of October 14, 2026. | ||||
About Our Worcester, Massachusetts Money Market Rate Database
MonitorBankRates found 19 institutions with branches in Worcester (9 banks, 10 credit unions), plus 26 additional state-chartered and national online institutions available to Worcester 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: CENTRAL ONE offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Worcester, Massachusetts.
How to Find the Best Money Market Rates in Worcester, Massachusetts
What to compare when shopping for a money market account in Worcester, Massachusetts
To find the best money market APYs in Worcester, Massachusetts, start with credit unions and online-only banks: Worcester, Massachusetts has 21 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 3.084% 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. Worcester, Massachusetts high-yield money market rates currently average 3.084% 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 Worcester, Massachusetts institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 45 institutions in Worcester, Massachusetts report money market rates to our database.
- 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 Worcester, Massachusetts CD rates
- You don’t need check writing and want a lower minimum Worcester, Massachusetts savings rates
- You need daily transaction access Worcester, Massachusetts checking rates
Worcester, Massachusetts Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
13.3% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.5% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s MA high-yield money market average of 3.084%, saving 10% of the local median salary ($4,106/year) would earn an additional $127 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Worcester, Massachusetts Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Worcester, Massachusetts.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MA Avg APY | 3.084% | View Savings Rates | 0.524%(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 Worcester, Massachusetts averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Worcester, 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 Worcester, 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 Worcester, Massachusetts
At MA’s top money market rate of 4.00% from CENTRAL ONE, 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 Worcester, Massachusetts earner is roughly $10,300. At 3.084% APY in a money market account, saving $860/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 3.084% 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 Worcester, Massachusetts earner makes $41,065/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.084% APY.
Retirement PlannerA $25,000 money market balance earning 3.084% APY grows to roughly $45,898 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 Worcester, 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 Worcester, 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 Worcester, 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 Worcester, Massachusetts
What is a Money Market Account (MMA)?
Are Money Market accounts in Worcester, Massachusetts safe?
How often do MMA rates change in Worcester, Massachusetts?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Worcester, 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 Worcester, Massachusetts for money market accounts?
Best Money Market Rates in Worcester, Massachusetts
- CENTRAL ONE
Business Money Market: 4.00% APY - Workers Federal Credit Union
Signature Money Market Checking: 3.85% APY - Citizens Bank
Citizens Private Client Money Market: 3.50% APY - DCU Digital Federal Credit Union
Money Market Savings: 3.50% APY - Webster First Federal Credit Union
Money Market Plus: 3.50% APY
Worcester, Massachusetts Rates & Resources
