Needham, Massachusetts (MA) Savings Rates - March 2026
Brian McKay
Brian McKay
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The best savings rates for Needham, Massachusetts and the surrounding area include Dedham Institution for SavingsDedham Institution for Savings1077 Great Plain Ave, Needham, MA 02492A5.0 ★Texas Ratio: 6.25% Start Up Savings at 5.00% APY, Needham BankNeedham Bank1063 Great Plain Ave, Needham, MA 02492A+5.0 ★Texas Ratio: 3.75% GoalGetter Savings at 4.00% APY, Direct Federal Credit UnionDirect Federal Credit Union50 Cabot St, Needham, MA 02494A+5.0 ★Texas Ratio: 2.76% High-Yield Savings at 3.50% APY, Fidelity Co-operative BankFidelity Co-operative Bank129 Chestnut St, Needham, MA 02492A+5.0 ★Texas Ratio: 1.53% Retirement Premier Savings (IRA) at 3.00% APY, and Middlesex Savings BankMiddlesex Savings Bank50 Chestnut St, Needham, MA 02492A+5.0 ★Texas Ratio: 0.61% Business Savings Accounts at 1.50% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Needham, 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 Needham, Massachusetts (MA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Needham, Massachusetts and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Needham, Massachusetts & Surrounding Communities
Qualifying balance up to $1,000.00
Qualifying balance up to $10,000.00; Open Online
NEW MONEY ONLY
No monthly fees; No maintenance fees; First $5 is deposited by us
Access to unlimited savings accounts; Great for Vacation and Holiday savings; No monthly fees; No maintenance fees
Open Online
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300
SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300
High Yield Savings5
Available to consumers only. New money is welcome but not required.
Membership account; No monthly service charge
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.
Needham, MA Savings Rate Trends
Compare local Needham, 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.
Massachusetts high-yield savings rates fell 1.511 points this week to 1.589% APY, down from 3.100% last week.
Massachusetts standard savings rates rose 0.284 points this week to 0.361% APY, up from 0.077% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Needham, 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 Needham, 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 Needham, Massachusetts
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Needham, Massachusetts safe?
How often do savings rates change in Needham, Massachusetts?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Needham, Massachusetts?
How do I open a savings account in Needham, Massachusetts?
Best Savings Rates in Needham, Massachusetts
- Dedham Institution for Savings
Start Up Savings — 5.00% APY - Needham Bank
GoalGetter Savings — 4.00% APY - Direct Federal Credit Union
High-Yield Savings — 3.50% APY - Fidelity Co-operative Bank
Retirement Premier Savings (IRA) — 3.00% APY - Middlesex Savings Bank
Business Savings Accounts — 1.50% APY
