Lowell, Massachusetts (MA) Savings Rates - March 2026
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The savings 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.
The best savings rates for Lowell, Massachusetts and the surrounding area include Jeanne D Arc Credit UnionJeanne D Arc Credit Union581 Merrimack St, Lowell, MA 01854 3908A+5.0 ★Texas Ratio: 1.81% Savings Account at 8.00% APY, Lowell Firefighters Credit UnionLowell Firefighters Credit Union642 Chelmsford St, Lowell, MA 01851A+5.0 ★Texas Ratio: 0.00% Savings Club for Kids at 8.00% APY, Workers Federal Credit UnionWorkers Federal Credit Union1201 Bridge St, Lowell, MA 01850A5.0 ★Texas Ratio: 9.04% Advantage Savings Account at 3.00% APY, Lowell Five BankLowell Five Bank1095 Westford St, Lowell, MA 01851A+5.0 ★Texas Ratio: 1.76% High Yield Savings at 3.00% APY, and Align Credit UnionAlign Credit Union87 Hale St, Lowell, MA 01851A5.0 ★Texas Ratio: 11.20% Tiered IRA Savings at 1.70% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Lowell, 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 Lowell, Massachusetts (MA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lowell, Massachusetts and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Lowell, Massachusetts & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
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
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
1201 Bridge St, Lowell, MA 01850
Advantage Savings Account
3.00%
$5
▼
Rate2.96%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
1201 Bridge St, Lowell, MA 01850
Advantage Savings
3.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Membership account; No monthly service charge
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1095 Westford St, Lowell, MA 01851
High Yield Savings
3.00%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 27, 2026
Details
$50,000.00 or more
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
1201 Bridge St, Lowell, MA 01850
Accelerate Savings
2.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Membership account; No monthly service charge
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Tiered IRA Savings
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Tiered IRA Savings
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Tiered IRA Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Tiered IRA Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Tiered IRA Savings
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Tiered IRA Savings
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Tiered IRA Savings
1.15%
$0
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Tiered IRA Savings
1.15%
$0
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Tiered IRA Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Tiered IRA Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Tiered IRA Savings
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Tiered IRA Savings
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Money Market Savings
0.55%
$25
▼
Rate0.55%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Complete Business Money Market Savings
0.55%
$25
▼
Rate0.55%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Complete Business Money Market Savings
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Money Market Savings
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Complete Business Money Market Savings
0.45%
$25
▼
Rate0.45%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Complete Business Money Market Savings
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Savings
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Regular Shares (Savings Account)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Variable IRA Savings
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Tiered IRA Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Savings & Checking Accounts
0.25%
$1
▼
Rate0.25%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
MyGoal Savings
0.25%
$1
▼
Rate0.25%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
18/65 Savings
0.25%
$5
▼
Rate0.25%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Membership Savings
0.25%
$5
▼
Rate0.25%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Tiered IRA Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Savings & Checking Accounts
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Money Market Savings
0.20%
$25
▼
Rate0.20%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
Rewards Savings
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Savings & Checking Accounts
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.20%
87 Hale St, Lowell, MA 01851
Business Savings & Checking Accounts
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
1201 Bridge St, Lowell, MA 01850
Club Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Money Market Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Complete Business Money Market Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1095 Westford St, Lowell, MA 01851
Everyday Savings
0.05%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 27, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
691 Rogers St, Lowell, MA 01852
Open Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lowell Five Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1095 Westford St, Lowell, MA 01851
High Yield Savings
0.05%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 27, 2026
Details
$0 - $49,999.99
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
Passbook Savings
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 22, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
Prize Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Washington Savings Bank Lowell, MA
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
30 Middlesex St, Lowell, MA 01852
Statement Savings
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 22, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
691 Rogers St, Lowell, MA 01852
18/65 Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
50 Central St, Lowell, MA 01852
Statement Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
691 Rogers St, Lowell, MA 01852
Statement Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Free Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
222 Merrimack St, Lowell, MA 01852
Complete Business Money Market Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
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
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
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
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)
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
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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.
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.
Lowell, MA Savings Rate Trends
Compare local Lowell, 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.
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 Lowell, 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 Lowell, 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 Lowell, 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 Lowell, 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 Lowell, 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 Lowell, 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 Lowell, Massachusetts?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lowell, Massachusetts offer in-person customer service, which some customers prefer.
How do I open a savings account in Lowell, 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 Lowell, Massachusetts
Here are recent savings rates observed in Lowell, Massachusetts and the surrounding area:
- Jeanne D Arc Credit Union
Savings Account — 8.00% APY - Lowell Firefighters Credit Union
Savings Club for Kids — 8.00% APY - Workers Federal Credit Union
Advantage Savings Account — 3.00% APY - Lowell Five Bank
High Yield Savings — 3.00% APY - Align Credit Union
Tiered IRA Savings — 1.70% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lowell, Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
