Best Money Market Rates in Worcester, Massachusetts - June 2026
Brian McKay
Brian McKay
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Current Worcester, Massachusetts and the surrounding area money market deposit account rates include Citizens BankCitizens Bank541a Lincoln St, Worcester, MA 01605A5.0 ★Texas Ratio: 8.28% 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: 8.74% Money Market Savings at 3.50% APY, Webster First Federal Credit UnionWebster First Federal Credit Union271 Greenwood St, Worcester, MA 01607A+5.0 ★Texas Ratio: 2.16% Money Market Plus at 3.50% APY, Millbury Federal Credit UnionMillbury Federal Credit Union117 Stafford St Ste B, Worcester, MA 01603 1478A+5.0 ★Texas Ratio: 3.36% Business Money Market Savings Special at 2.75% APY, and Cornerstone Bank Spencer, MACornerstone Bank Spencer, MA70 W Boylston St, Worcester, MA 01606A+5.0 ★Texas Ratio: 5.59% Premier Money Market at 2.75% APY. Money market rates as of June 16, 2026 according to verified data from MonitorBankRates.
Worcester has 12 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 541a Lincoln St, Worcester, MA 01605. 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 Worcester, Massachusetts and surrounding area. Last Updated and Verified: June 16, 2026
Compare the Best Money Market Rates Today in Worcester, Massachusetts & the Surrounding Area
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
Invest in your future with up to 3.50% APY.1 Saving should be effortless. With a Money Market account, it is.
Tiered Rate: $500,000.00 or more 2.75% APY, $350,000 - $499,999.99 2.50% APY, $150,000 - $349,999.99 1.50% APY, $50,000 - $149,999.99 1.25% APY, $10,000 - $49,999.99 0.50% APY, $1,000 - $9,999.99 0.25% APY
Balance tier: $250,000+
Balance tier: $0 - $249,999
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
Minimum Daily Balance for Stated APY: $25,000-$99,999.99
Minimum Daily Balance for Stated APY: $50-$9,999.99
Minimum Daily Balance for Stated APY: $50-$9,999.99
Minimum Daily Balance to Earn APY: $1,000,000+
Minimum Daily Balance to Earn APY: $100,000 - $999,999.99
Minimum Daily Balance to Earn APY: $50,000 - $99,999.99
Standard rates. Must have a Citizens Private Client® Checking account.
Minimum Daily Balance to Earn APY: $25,000 - $49,999.99
Minimum Daily Balance to Earn APY: $0.01 - $24,999.99
Fees may reduce earnings.
Tiered Rate: $5,000.00 or more 0.10% APY, $0.01 - $4,999.99 0.05% APY
APY applies to balances of $25,000 and above
APY applies to balances of $25,000 and above
APY applies to balances of $10-$24,999.99
Earn 0.05% Annual Percentage Yield (APY) on balances of $50.00 and over. Available for business accounts only. You must deposit $5.00 to open this account and maintain an average daily balance of $50.00 to earn the dividend rate. There is no minimum balance to maintain. Dividend will be compounded and credited to your account every month. The dividend period is monthly. Rates effective as of 7/1/24 and are subject to change without notice. Daily Balance Computation Method: We use the daily balance method to calculate the dividend on your account. This method applies a daily periodic rate to the balance in your account each day and is credited to your account monthly on the last day of the cycle. Accrual of Interest on Non-Cash Items: Dividend begins to accrue on the business day you deposit non-cash items, such as checks, to your account. Transaction Limitations: During any calendar month, you may not make more than 6 (six) withdrawals. If you do, you may be subject to a transaction fee. Fees may reduce earnings.
Fees may reduce earnings.
APY applies to balances of $10,000-$24,999.99
APY applies to balances of $10-$9,999.99
APY applies to balances of $25,000 and above
APY applies to balances of $25,000 and above
Standard rates. Must have a Citizens Quest® Checking account.
APY applies to balances of $10,000-$24,999.99
APY applies to balances of $10,000-$24,999.99
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
APY applies to balances of $10-$9,999.99
APY applies to balances of $10-$9,999.99
Balances $25,000-$10,000,000
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.
Get up to 3.25% APY plus a 0.75% APY boost for 6 months on balances of $25,000 to $10 million.
Balances $25,000-$10,000,000
Balances $25,000-$10,000,000
Balances $25,000-$10,000,000
Premier Checking required to open the Premier Money Market.
Compounding: Daily; Open Online
A rate of return that earns.
Available to Premium Checking customers. No monthly maintenance fees. Easy online access and flexibility to move funds when needed. Ideal for short-term savings or emergency funds.
$15,000+
Rates are subject to change at any time.
Premier Checking required to open the Premier Money Market.
Premier Checking required to open the Premier Money Market.
3x more Lifetime Earnings Direct FCU : 2.20% APY * Massachusetts Avg: 0.63% APY *
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 fell 0.022 points over the past 7 days to 3.488% APY.
Massachusetts standard MMA rates fell 0.022 points over the past 7 days to 0.443% APY.
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?
Best Money Market Rates in Worcester, Massachusetts
- 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 - Millbury Federal Credit Union
Business Money Market Savings Special — 2.75% APY - Cornerstone Bank Spencer, MA
Premier Money Market — 2.75% APY
Worcester, Massachusetts Rates & Resources
