Stoneham, Massachusetts (MA) Savings Rates - April 2026
Brian McKay
Brian McKay
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The best savings rates for Stoneham, Massachusetts and the surrounding area include StonehamBankStonehamBank80 Montvale Ave, Stoneham, MA 02180A+5.0 ★Texas Ratio: 0.30% Optimum Bundle Savings at 2.75% APY, Stoneham Municipal Employees Federal Credit UnionStoneham Municipal Employees Federal Credit Union40 Pine St, Stoneham, MA 02180 2048A+5.0 ★Texas Ratio: 3.62% IRA Traditional Shares at 0.25% APY, Northern Bank & Trust CompanyNorthern Bank & Trust Company240 Main St, Stoneham, MA 02180A5.0 ★Texas Ratio: 9.14% Non-Profit Statement Savings at 0.10% APY, Salem Five Cents Savings BankSalem Five Cents Savings Bank359 Main St, Stoneham, MA 02180A+5.0 ★Texas Ratio: 3.01% Open Savings at 0.05% APY, and Service Federal Credit UnionService Federal Credit UnionA5.0 ★Texas Ratio: 11.03% Deployed Warrior Savings at 10.00% APY.
Stoneham has 14 local institutions in our database, with savings rates as high as 2.75% APY from StonehamBank at 80 Montvale Ave, Stoneham, MA 02180. Use the table below to compare all available offers, including options from institutions serving the broader Massachusetts area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Stoneham, Massachusetts and the surrounding area. Last Updated and Verified: April 8, 2026
Compare the Best Savings Rates in Stoneham, Massachusetts & Surrounding Communities
Qualifications Required; $10 minimum balance is required to open account and earn the stated APY. Fees may reduce earnings. Variable rate may change after account is opened. Certain restrictions may apply.
Checking product for 501 (C) 3 organizations
A savings product for any municipal and government entity
Qualifying balance up to $9,999.99
Qualifying balance up to $2,000.00
Qualifying balance up to $1,000.00
Qualifying balances of $250,000 or less only
Qualifying balance up to $25,000.00
Qualifying balance up to $250.00
Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $10,000.00
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
bump up for PayBackSM or Quarter Back® customers
Earn As High As; Federally insured; No deposit limit; Liquid savings; No monthly fees
Balances $100,000 -$500,000
Qualifying balance up to $500.00
As High As
APY shown assumes the account is paired with an active Direct Advantage Checking. Without a Direct Advantage Checking, the APY will be 0.10% lower.
bump up for PayBackSM or Quarter Back® customers
Available to consumers only. New money is welcome but not required.
Qualifying balance up to $100,000.00
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
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.
Stoneham, MA Savings Rate Trends
Compare local Stoneham, 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 0.527 points over the past 7 days to 1.614% APY, down from 2.141%.
Massachusetts standard savings rates rose 0.284 points over the past 7 days to 0.621% APY, up from 0.337%.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Stoneham, 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 Stoneham, 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 Stoneham, Massachusetts
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Stoneham, Massachusetts safe?
How often do savings rates change in Stoneham, 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 Stoneham, Massachusetts?
How do I open a savings account in Stoneham, Massachusetts?
Best Savings Rates in Stoneham, Massachusetts
- StonehamBank
Optimum Bundle Savings — 2.75% APY - Stoneham Municipal Employees Federal Credit Union
IRA Traditional Shares — 0.25% APY - Northern Bank & Trust Company
Non-Profit Statement Savings — 0.10% APY - Salem Five Cents Savings Bank
Open Savings — 0.05% APY - Service Federal Credit Union
Deployed Warrior Savings — 10.00% APY
