Lynn, Massachusetts (MA) Savings Rates - March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
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 Lynn, Massachusetts and the surrounding area include Reading Co-op BankReading Co-op Bank400 Broadway, Lynn, MA 01904A+5.0 ★Texas Ratio: 0.28% Online Christmas Savings at 3.00% APY, Rockland TrustRockland Trust335 Broadway, Lynn, MA 01904A+5.0 ★Texas Ratio: 1.37% Complete Business Money Market Savings at 0.55% APY, Metro Credit UnionMetro Credit Union475 Western Ave, Lynn, MA 01904 3317A+5.0 ★Texas Ratio: 1.57% Prosperity Builder Savings Account at 0.50% APY, River Works Credit UnionRiver Works Credit Union947 Western Ave, Lynn, MA 01905 2640A5.0 ★Texas Ratio: 7.57% IRA Accumulator Savings at 0.30% APY, and Naveo Credit UnionNaveo Credit Union947 Western Ave, Lynn, MA 01905A+5.0 ★Texas Ratio: 3.91% Business Savings at 0.20% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Lynn, 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 Lynn, Massachusetts (MA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lynn, Massachusetts and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Lynn, Massachusetts & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
Online Christmas Savings
3.00%
$10
▼
Rate2.96%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
335 Broadway, Lynn, MA 01904
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%
335 Broadway, Lynn, MA 01904
Money Market Savings
0.55%
$25
▼
Rate0.55%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
475 Western Ave, Lynn, MA 01904 3317
Prosperity Builder Savings Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Earn 0.50% Annual Percentage Yield (APY) on balances up to $5,000.00; Regular APY: 0.10%
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
335 Broadway, Lynn, MA 01904
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%
335 Broadway, Lynn, MA 01904
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%
335 Broadway, Lynn, MA 01904
Complete Business Money Market Savings
0.45%
$25
▼
Rate0.45%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
IRA Accumulator Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
335 Broadway, Lynn, MA 01904
Complete Business Money Market Savings
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Naveo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
947 Western Ave, Lynn, MA 01905
Business Savings
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
335 Broadway, Lynn, MA 01904
Money Market Savings
0.20%
$25
▼
Rate0.20%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Naveo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
947 Western Ave, Lynn, MA 01905
Tenant Security Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Naveo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
947 Western Ave, Lynn, MA 01905
Credit Journey Savings*
0.10%
$500
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMar 24, 2026
Details
Naveo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
947 Western Ave, Lynn, MA 01905
Statement Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
250 maple st, lynn, MA 01904
Regular Savings
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Lynn Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
30 Boston St Ste 9, Lynn, MA 01904
Regular Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
335 Broadway, Lynn, MA 01904
Money Market Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★Texas Ratio: 14.06%
1 Andrew St, Lynn, MA 01901 1101
Statement Savings/Club A/C's
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★Texas Ratio: 14.06%
1 Andrew St, Lynn, MA 01901 1101
Business Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
947 Western Ave, Lynn, MA 01905 2640
Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
Share Drafts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
Regular Shares to $10,000
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$2,000
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA 01901
Regular Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Under $2,000
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
335 Broadway, Lynn, MA 01904
Complete Business Money Market Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
20 State St, Lynn, MA 01901
Open Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Community Credit Union Of Lynn
Institution Rating:
A-5.0 ★Texas Ratio: 14.06%
1 Andrew St, Lynn, MA 01901 1101
Passbook Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
(Grandfathered)
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
335 Broadway, Lynn, MA 01904
Complete Business Money Market Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
20 State St, Lynn, MA 01901
Statement 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%
112 Market St, Lynn, MA 01901
Statement Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
Green Online Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
Health Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
Online Vacation Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
Passbook Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
Salem Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
20 State St, Lynn, MA 01901
18/65 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%
335 Broadway, Lynn, MA 01904
Free Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
Student Passbook Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
Student Statement Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
Reading Co-op Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
400 Broadway, Lynn, MA 01904
Statement Savings
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMar 24, 2026
Details
Naveo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
947 Western Ave, Lynn, MA 01905
Safe Savings
0.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 24, 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
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
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
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
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
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
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
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
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
Powered by
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.
Lynn, MA Savings Rate Trends
Compare local Lynn, 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 Lynn, 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 Lynn, 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 Lynn, 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 Lynn, 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 Lynn, 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 Lynn, 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 Lynn, Massachusetts?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lynn, Massachusetts offer in-person customer service, which some customers prefer.
How do I open a savings account in Lynn, 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 Lynn, Massachusetts
Here are recent savings rates observed in Lynn, Massachusetts and the surrounding area:
- Reading Co-op Bank
Online Christmas Savings — 3.00% APY - Rockland Trust
Complete Business Money Market Savings — 0.55% APY - Metro Credit Union
Prosperity Builder Savings Account — 0.50% APY - River Works Credit Union
IRA Accumulator Savings — 0.30% APY - Naveo Credit Union
Business Savings — 0.20% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lynn, Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
