Southampton, Massachusetts Savings Rates for October 2026
Brian McKay
Brian McKay
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Southampton, Massachusetts savings account rates range from 0.05% to 10.00% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Southampton, Massachusetts and the surrounding area include Polish National Credit UnionPolish National Credit Union32 College Hwy, Southampton, MA 01073A+5.0 ★Texas Ratio: 1.02%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 29, 2026 High Yield Savings at 3.50% APY, Easthampton Savings BankEasthampton Savings Bank134 College Hwy, Southampton, MA 01073A5.0 ★Texas Ratio: 13.71%Real return: -3.65%APY minus 3.7% CPIRate verified Oct 31, 2026 Get Real Savings at 0.05% APY, Service Federal Credit UnionService Federal Credit UnionA-4.9 ★Texas Ratio: 16.25%Real return: +6.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Deployed Warrior Savings at 10.00% APY, Jeanne D Arc Credit UnionJeanne D Arc Credit UnionA+5.0 ★Texas Ratio: 2.58%Real return: +4.30%APY minus 3.7% CPIRate verified Oct 30, 2026 Primary Savings Account - Statement at 8.00% APY, and Lowell Firefighters Credit UnionLowell Firefighters Credit UnionA+5.0 ★Texas Ratio: 0.41%Real return: +4.30%APY minus 3.7% CPIRate verified Oct 30, 2026 Savings Club for Kids at 8.00% APY.
Southampton has 8 local institutions in our database, with savings rates as high as 3.50% APY from Polish National Credit Union at 32 College Hwy, Southampton, MA 01073. Use the table below to compare all available offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Southampton, Massachusetts and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Southampton, Massachusetts & Surrounding Communities
Effective March 9, 2026; Qualifying interest rate 3.39% with APY 3.50%; New money only (funds currently held at the credit union cannot be used); Minimum daily balance of $10.00 required to obtain advertised APY; Individuals only, IRA accounts not eligible; Limited-time offer; Membership required
Qualifying balance up to $1,000.00; Balance: $0.00 - $1,000.00; Minimum balance for APY: $10.00
Minimum daily balance to earn APY: $0.01
Minimum daily balance to earn APY: $0.01
Minimum balance for APY: $10.00
Minimum balance for APY: $10.00
Minimum balance for APY: $10.00
Contact Us To Determine If You Qualify; Eligibility: service member deployed to a combat zone; Qualifying balance up to $10,000.00; Balance: $0.00 - $10,000.00; Direct deposit of net pay required
Qualifying balance up to $500.00; APY=Annual Percentage Yield; primary savings account special terms for new members; rates effective November 1, 2024
Qualifying balance up to $500.00; APY=Annual Percentage Yield; primary savings account special terms for new members; rates effective November 1, 2024
Qualifying balance up to $500.00; APY=Annual Percentage Yield; primary savings account special terms for new members; rates effective November 1, 2024
Qualifying balance up to $500.00; 0.25% dividend rate paid on balance above $500.00
Balance: $.01-$9,999.99; Qualifying balance up to $9,999.99; Requires linked checking account with debit card enrolled in SaveUp program; permits only SaveUp deposits; Minimum daily balance to avoid monthly maintenance fees: $0
Balance: qualifying balances of $250,000 or less only
- Sep 24, 20265.00%▲ from 4.75%
- Sep 18, 20264.75%first recorded
Balance: $0 - $1,000; Minimum daily balance to earn APY: >$0; Open an Account
Balance: Up to and including the first $1,000.00
Balance: $0.00 - $500; Dividends paid on daily balances of up to $500; variable APY of 5.00%; Must be a member of Service CU or establish membership with $5 in a Primary Savings Account
Balance: Up to and including the first $2,000.00
Balance: $25.01 - $500.00; Max. balance up to $500.00; Funds over $500.00 revert to the current regular share dividend rate
Introductory 6-month APY Boost of 0.35% added to standard variable APY of 4.00%; new customers only; boost expires after 6 months and rate reverts to standard variable APY
Balance: $250 in deposits per Evaluation Period; Qualifications Required: Deposit at least $250 per Evaluation Period (statement cycle); LevelUp Rate applies when at least $250 in deposits is received during the Evaluation Period; Fees may reduce earnings
Headline: 4.10% APY savings; no monthly fees or minimum balance requirements; receives ZYNG round-up transfers from More Spending
Balance: $100,000.00 +
Balance: $0-$20,000; Open Online
Qualifications Required; Balance: $0.01 - $25,000.00 (4.00% APY if qualifications met); balances over $25,000.00 earn 0.50%; if not met, 0.05% APY
Balance: $2,500.00 - $1,000,000.00; Tiered variable rate account; Maximum account balance to receive 4.00% APY is $1,000,000; Rates effective as of 9/22/26
Standard variable APY; variable rate subject to change at any time without notice; personal accounts only
- Oct 19, 20264.00%▲ from 3.80%
- Oct 6, 20263.80%▼ from 4.15%
- Sep 27, 20264.15%first recorded
Qualifications Required; Qualifying balance up to $25,000.00; Non-qualifying rate 0.00% APY; Rates effective 3/25/26
Qualifying balance up to $999.99
Balance: $0.00 - $100,000.00
Balance: $10.00 - $9,999.99; Premium tiered variable dividend rate and APY; Preauthorized weekly or monthly transfer from SCU Checking; $10,000 maximum opening deposit
- Oct 10, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Balance: $250,000+; Minimum to open account is $25 and minimum daily balance to earn APY is $0.01; Consumer accounts only; Rates effective as of October 14, 2026; Bump up eligible with PayBack or Quarter Back Checking requirements
Balance: $20,000 or greater; Statement only; Minimum deposit to open must be new money to the Bank
Balance: $0.01 - $10,000; Youth account for ages 0-17; Membership eligibility required
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
APY is variable and accurate as of 10/29/2026; no monthly maintenance fee; fees may reduce earnings
Published APY range: 3.75% - 2.75%. Balance: $10,000.00 - $49,999.99; Premium tiered variable dividend rate and APY; Preauthorized weekly or monthly transfer from SCU Checking; $10,000 maximum opening deposit
- Oct 19, 20263.75%▲ from 2.75%
- Oct 19, 20262.75%▼ from 3.75%
- Sep 18, 20263.75%first recorded
Balance: $0.01-$1,000,000; Online Only; eligibility limited to consumers who apply online and have no existing Salem Five checking or savings account
- Oct 2, 20263.66%▲ from 3.51%
- Sep 27, 20263.51%first recorded
No minimum balance; Maximum balance limits apply; APY as of October 30, 2026
- Sep 18, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Balance: $100,000 - $500,000 (plus interest paid); Maximum balance allowed is $500,000 plus interest paid; Online Only; New money only
Must be new money; Available to new consumer deposit customers only; Account rate will not drop below 2.50% APY (2.47% rate) before July 4, 2027 for daily balances of $5,000 or more; Daily balances of $4,999.99 and below earn 1.00% APY (1.00% rate); After July 4, 2027 the account reverts to the then current High Yield Savings rate; Rate may change after account opening
- Sep 19, 20263.50%▲ from 3.25%
- Sep 7, 20263.25%first recorded
Balance: $100,000 - $249,999.99; Minimum to open account is $25 and minimum daily balance to earn APY is $0.01; Consumer accounts only; Rates effective as of October 14, 2026; Bump up eligible with PayBack or Quarter Back Checking requirements
Balance: $0 to $4,999,999.99; New money only; Personal accounts only
Balance: $500,000.00 or more
Balance: $0.00 - $25,000.00; Tier 1; Relationship APY of 3.50% requires a qualifying direct deposit into a checking account; without one, 0.25% APY
Balance: $50,000+; APY assumes paired Direct Advantage Checking (0.10% lower without); New money only
Balance: $9,999.01 to $9,999,999.00; Minimum balance to open and earn stated APY is $10,000 of new money not already on deposit with Liberty Bay
- Sep 22, 20263.50%▲ from 0.10%
- Sep 18, 20260.10%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $10,000 - $2,500,000; Preferred rate on account; Must be opened with a minimum of $10,000 in new funds not already on deposit with South Shore Bank; Maximum deposit $2,500,000 per household
Balance: $20,000 - $2,500,000; Minimum daily balance to earn APY: $20,000; Must be opened with a minimum of $20,000 in new funds not currently on deposit at Dedham Savings; Rate may change after account is opened; Personal accounts only; Open an Account
Balance: $250,000+
Balance: $5,000 - $49,999.99; APY assumes paired Direct Advantage Checking (0.10% lower without); New money only
Rates as high as; Featured homepage rate; Deposit APYs effective October 1, 2026
California counties only; Balance: $25,000 or more; Rate is variable; requires deposit and maintenance of $25,000 or more in new Platinum Savings within 30 days; new savings customers only
Qualifications Required; Balance: Below $100,000.01; Qualifying balance up to $100,000.00
Balance: $250,000.00 to $499,999.99
Balance: $10,000.00 - $1,000,000.00
Minimum to Open $200,000; Requires online and mobile banking enrollment and eStatements enrollment
Minimum balance to obtain disclosed APY is $10; requires Beacon Bank checking account with ownership relationship
3.20% APY**; Ideal usage: Limited access to help you reach savings goals (e.g., vacation fund); ATM Access: Yes; Check Writing: No
Qualifying rate paid when owner and co-owner cumulative checking balances are at least $5,000 each day during the statement cycle; otherwise Base Rate applies
Minimum to Open $150,000; Requires online and mobile banking enrollment and eStatements enrollment
Balance: $1,000,000.01 or more
Minimum to Open $100,000; Requires online and mobile banking enrollment and eStatements enrollment
Balance: $100,000.00 to $249,999.99
Balance: $10,000.00 - $1,000,000; $10,000 minimum to open and earn advertised APY; Available to consumers only. New money is welcome but not required
Balance: $50,000.00 or more; Free eStatements ($10/month for paper statements); No early withdrawal penalties; Rates and APYs effective 9/15/26
Balance: Bal. ? $10.00
Qualifications Required; Balance: $0.00 - $100,000.00; Balances over $100,000 earn 3.00% to 1.58% APY depending on balance; Links to Kasasa Cash checking; No monthly maintenance fee; No minimum balance to earn rewards
Minimum balance to obtain APY: $0.01
Balance: $500,000.01 and above; Variable rate account. The rate may change after the account is opened
- Oct 3, 20263.00%▲ from 2.75%
- Sep 24, 20262.75%first recorded
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.
Southampton, MA Savings Rate Trends
Compare local Southampton, MA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Massachusetts high-yield savings rates fell 0.073 points over the past 7 days to 2.132% APY, down from 2.205%.
Massachusetts standard savings rates fell 0.015 points over the past 7 days to 0.420% APY, down from 0.435%.
Southampton, Massachusetts Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current MA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current MA high-yield savings average of 2.132% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Southampton, Massachusetts.
Savings Account Earnings in Southampton, Massachusetts
Annual interest earnings at current MA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.132% APY) | Monthly Earnings | Standard Savings (0.420% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $106.59 / year | $8.88 | $21.02 / year | $1.75 |
| $10,000 | $213.17 / year | $17.76 | $42.03 / year | $3.50 |
| $25,000 | $532.93 / year | $44.41 | $105.08 / year | $8.76 |
| $50,000 | $1,065.85 / year | $88.82 | $210.15 / year | $17.51 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Southampton, Massachusetts savings rate averages as of October 31, 2026. | ||||
About Our Southampton, Massachusetts Savings Rate Database
MonitorBankRates found 2 institutions with branches in Southampton (1 bank, 1 credit union), plus 47 additional state-chartered and national online institutions available to Southampton residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Polish National Credit Union offers a savings account at 3.50% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Southampton, Massachusetts.
How to Find the Best Savings Rates in Southampton, Massachusetts
What to compare when shopping for a savings account in Southampton, Massachusetts
To find the best savings APYs in Southampton, Massachusetts, start with credit unions and online-only banks: Southampton, Massachusetts has 18 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current MA high-yield savings average is 2.132% but top local institutions are offering as high as 3.50%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Southampton, Massachusetts high-yield savings rates currently average 2.132% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Southampton, Massachusetts institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 49 institutions in Southampton, Massachusetts report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Southampton, Massachusetts CD rates
- You want check-writing flexibility Southampton, Massachusetts money market rates
- You need daily transaction access Southampton, Massachusetts checking rates
Massachusetts Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MA high-yield savings average of 2.132%, saving 10% of the local median salary ($5,723/year) would earn an additional $122 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Southampton, Massachusetts Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Southampton, Massachusetts.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MA Avg APY | 2.132% | 0.420% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Southampton, Massachusetts averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Southampton, Massachusetts
At MA’s top rate of 3.50% from Polish National Credit Union, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Southampton, Massachusetts earner is roughly $14,300. At 2.132% APY, saving $1,190/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsMassachusetts’s high-yield savings average is 2.132% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Southampton, Massachusetts earner makes $57,232/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.132% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.132% APY grows to roughly $38,120 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Southampton, Massachusetts savings 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 Savings Rate Data: We aggregate savings account rates for Southampton, 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 Southampton, 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 Southampton, Massachusetts
What are savings account rates in Southampton, Massachusetts today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Southampton, Massachusetts safe?
How often do savings rates change in Southampton, 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 Southampton, Massachusetts?
How do I open a savings account in Southampton, Massachusetts?
Best Savings Rates in Southampton, Massachusetts
- Polish National Credit Union
High Yield Savings: 3.50% APY - Easthampton Savings Bank
Get Real Savings: 0.05% APY - Service Federal Credit Union
Deployed Warrior Savings: 10.00% APY - Jeanne D Arc Credit Union
Primary Savings Account - Statement: 8.00% APY - Lowell Firefighters Credit Union
Savings Club for Kids: 8.00% APY
Southampton, Massachusetts Rates & Resources
