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Massachusetts Savings Rate Trends

Belchertown, Massachusetts (MA) Savings Rates - March 2026

The best savings rates for Belchertown, Massachusetts and the surrounding area include North Brookfield SBNorth Brookfield SB4 Daniel Shays Hwy, Belchertown, MA 01007A+5.0 ★Texas Ratio: 1.70% High Five Savings at 3.41% APY, Country Bank for SavingsCountry Bank for Savings21 N Main St, Belchertown, MA 01007A5.0 ★Texas Ratio: 7.70% Savings at 2.02% APY, Alden Credit UnionAlden Credit Union175 State St, Belchertown, MA 01007 9033A5.0 ★Texas Ratio: 9.29% IRA Savings at 0.05% APY, Florence BankFlorence Bank20 George Hannum Rd, Belchertown, MA 01007A+5.0 ★Texas Ratio: 4.08% Client Escrow Savings at 0.05% APY, and Service Federal Credit UnionService Federal Credit Union199 Worcester Ct, Falmouth, MA 02540A5.0 ★Texas Ratio: 11.03% Deployed Warrior Savings at 10.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Belchertown, Massachusetts, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Belchertown, Massachusetts (MA) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Belchertown, Massachusetts and the surrounding area. Last Updated and Verified: March 28, 2026

Compare the Best Savings Rates in Belchertown, Massachusetts & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
High Five Savings
3.41%
$0
Rate3.35%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $500.00

Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
21 N Main St, Belchertown, MA 01007
Savings
2.02%
$10
Rate2.00%
Min Deposit$10
Min Balance
UpdatedMar 25, 2026
Details

Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
21 N Main St, Belchertown, MA 01007
Savings Accounts
0.75%
$10
Rate0.75%
Min Deposit$10
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $100,000.00

Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
21 N Main St, Belchertown, MA 01007
Savings
0.10%
$10
Rate0.10%
Min Deposit$10
Min Balance
UpdatedMar 25, 2026
Details

Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
21 N Main St, Belchertown, MA 01007
Statement Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
Life Goals Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
175 State St, Belchertown, MA 01007 9033
IRA Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
Statement Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
Municipal Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
Vacation Club Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
IRA Regular Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
Holiday Club Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
20 George Hannum Rd, Belchertown, MA 01007
Client Escrow Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Alden Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
175 State St, Belchertown, MA 01007 9033
Statement Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Florence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
20 George Hannum Rd, Belchertown, MA 01007
Statement Savings
0.05%
$10
Rate0.05%
Min Deposit$10
Min Balance
UpdatedMar 26, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
18/65 Statement Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
4 Daniel Shays Hwy, Belchertown, MA 01007
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA 02540
Deployed Warrior Savings
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Savings Club for Kids
8.00%
$0
Rate8.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
581 Merrimack St, Lowell, MA 01854 3908
Savings Account
8.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1500 Iyannough Rd, Hyannis, MA 02601
SaveUp Companion Savings*
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $9,999.99

Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
Start Up Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $1,000.00

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
70 Westview St, Lexington, MA 02421 3142
Starter Savings
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $2,000.00

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
199 Worcester Ct, Falmouth, MA 02540
Primary Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
141 Massachusetts Ave, Arlington, MA 02474
Zeugma Plus Savings
4.75%
$0
Rate4.65%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balances of $250,000 or less only

MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
Mo Premium Savings
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA 02090
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
282 Providence Hwy, Westwood, MA 02090
High Dividend Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
LevelUp Savings account
4.00%
$250
Rate0.00%
Min Deposit$250
Min Balance
UpdatedMar 27, 2026
Details

LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period.

Lee Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
75 Park St, Lee, MA 01238
EMPOWER Rewards Savings
4.00%
$10
Rate0.00%
Min Deposit$10
Min Balance
UpdatedMar 27, 2026
Details

Qualifications Required: Have at least 30 debit card purchases post and settle your account; Have at least 1 direct deposit or automatic payment (ACH) post and settle; Be enrolled in and agree to receive eStatements; Qualifying balance up to $25,000.00; Links to [EMPOWER Rewards Checking](https://www.leebank.com/personal/personal-checking/empower-rewards-checking.html)

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
LevelUp Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Earn 10x the National Average2

BankProv
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5 Market St, Amesbury, MA 01913
Goal Getter Savings
4.00%
$10
Rate0.00%
Min Deposit$10
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000

Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
5 Market St, Amesbury, MA 01913
GoalGetter Savings
4.00%
$10
Rate3.93%
Min Deposit$10
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $10,000.00

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
Jumbo Savings
3.65%
$25,000
Rate3.59%
Min Deposit$25,000
Min Balance
UpdatedMar 25, 2026
Details

Liberty Bank Middletown, CT
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
94 Shaker Road, East Longmeadow, MA 01028
Relationship High Yield Savings
3.60%
$0
Rate3.54%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

bump up for PayBackSM or Quarter Back® customers

Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
50 Cabot St, Needham, MA 02494
High-Yield Savings
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

NEW MONEY ONLY

Liberty Bay Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 Granite St Fl 3, Braintree, MA 02184 3909
High Yield Savings
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

High Yield Savings5

Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
93 State St, Newburyport, MA 01950
Gold Online Savings (plus interest paid)
3.50%
$100,000
Rate3.44%
Min Deposit$100,000
Min Balance
UpdatedMar 27, 2026
Details

Balances $100,000 -$500,000

Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
55 Elm St, Dedham, MA 02026
High Yield Savings
3.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

South Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
1530 Main St, South Weymouth, MA 02190
High-Yield Savings
3.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
50 Cabot St, Needham, MA 02494
High-Yield Savings
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Rockland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
241 Union St, Rockland, MA 02370
RockFed High Yield Savings
3.10%
$0
Rate3.05%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

IC Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
300 Bemis Rd, Fitchburg, MA 01420
High-Yield Savings
3.04%
$0
Rate2.99%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Available to consumers only. New money is welcome but not required.

Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Advantage Savings
3.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Membership account; No monthly service charge

Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Advantage Savings Account
3.00%
$5
Rate2.96%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
Business Money Market Savings Special
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

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.

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.

Belchertown, MA Savings Rate Trends

Compare local Belchertown, MA savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Massachusetts Savings Trends →
High-Yield Savings — MA Avg
1.589%
▼ 1.480 from last week

Massachusetts high-yield savings rates fell 1.480 points this week to 1.589% APY, down from 3.069% last week.

Standard Savings — MA Avg
0.368%
▲ 0.283 from last week

Massachusetts standard savings rates rose 0.283 points this week to 0.368% APY, up from 0.086% last week.

As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Belchertown, 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 savings 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 Belchertown, Massachusetts. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Savings Accounts in Belchertown, Massachusetts

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Massachusetts, help your money grow faster through a higher APY.

Are savings accounts in Belchertown, 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 savings rates change in Belchertown, Massachusetts?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Belchertown, Massachusetts may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Belchertown, Massachusetts?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Belchertown, Massachusetts offer in-person customer service, which some customers prefer.

How do I open a savings account in Belchertown, Massachusetts?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Belchertown, Massachusetts

Here are recent savings rates observed in Belchertown, Massachusetts and the surrounding area:
  • North Brookfield SB
    High Five Savings — 3.41% APY
  • Country Bank for Savings
    Savings — 2.02% APY
  • Alden Credit Union
    IRA Savings — 0.05% APY
  • Florence Bank
    Client Escrow Savings — 0.05% APY
  • Service Federal Credit Union
    Deployed Warrior Savings — 10.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Belchertown, Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026