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Massachusetts Savings Rate Trends

Ware, Massachusetts (MA) Savings Rates - March 2026

The best savings rates for Ware, Massachusetts and the surrounding area include North Brookfield SBNorth Brookfield SB40 Main St, Ware, MA 01082A+5.0 ★Texas Ratio: 1.70% High Five Savings at 3.41% APY, Country Bank for SavingsCountry Bank for Savings155 West St, Ware, MA 01082A5.0 ★Texas Ratio: 7.70% Savings at 2.02% APY, Monson Savings BankMonson Savings Bank136 West St, Ware, MA 01082A+5.0 ★Texas Ratio: 1.52% MoneyMaking Savings at 0.75% APY, Service Federal Credit UnionService Federal Credit Union199 Worcester Ct, Falmouth, MA 02540A5.0 ★Texas Ratio: 11.03% Deployed Warrior Savings at 10.00% APY, and 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.

To see how these savings rates in Ware, 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 Ware, Massachusetts (MA) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Ware, Massachusetts and the surrounding area. Last Updated and Verified: March 20, 2026

Ware, MA Savings Rate Trends

Compare local Ware, 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.

View Full Massachusetts Savings Trends →
High-Yield Savings — MA Avg
1.455%

Massachusetts high-yield savings rates currently average 1.455% APY based on data from institutions in our monitoring network.

Standard Savings — MA Avg
0.273%
▼ 0.127 from last week

Massachusetts standard savings rates fell 0.127 points this week to 0.273% APY, down from 0.400% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Ware, Massachusetts & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
High Five Savings
3.41%
$0
Rate3.35%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
155 West St, Ware, MA 01082
Savings
2.02%
$10
Rate2.00%
Min Deposit$10
Min Balance
UpdatedMar 18, 2026
Details

Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
155 West St, Ware, MA 01082
Savings Accounts
0.75%
$10
Rate0.75%
Min Deposit$10
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $100,000.00

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
MoneyMaking Savings
0.75%
$10
Rate0.75%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $100,000.00

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
Business Savings Account
0.30%
$100,000
Rate0.30%
Min Deposit$100,000
Min Balance
UpdatedMar 20, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
Statement Savings
0.30%
$10
Rate0.30%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
Business Savings Account
0.25%
$50,000
Rate0.25%
Min Deposit$50,000
Min Balance
UpdatedMar 20, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
Statement Savings
0.25%
$10
Rate0.25%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
Business Savings Account
0.15%
$2,500
Rate0.15%
Min Deposit$2,500
Min Balance
UpdatedMar 20, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
Statement Savings
0.15%
$10
Rate0.15%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

Country Bank for Savings
Institution Rating:
A5.0 ★Texas Ratio: 7.70%
155 West St, Ware, MA 01082
Savings
0.10%
$10
Rate0.10%
Min Deposit$10
Min Balance
UpdatedMar 18, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
Business Savings Account
0.10%
$10
Rate0.10%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

Monson Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
136 West St, Ware, MA 01082
Statement Savings
0.10%
$10
Rate0.10%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
Municipal Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
Vacation Club Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
Statement Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
Life Goals Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
IRA Regular Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
Holiday Club Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

North Brookfield SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
40 Main St, Ware, MA 01082
18/65 Statement Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 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 17, 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 20, 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 20, 2026
Details

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 13, 2026
Details

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 18, 2026
Details

Qualifying balance up to $9,999.99

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 20, 2026
Details

Qualifying balance up to $2,000.00

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 17, 2026
Details

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 20, 2026
Details

Qualifying balances of $250,000 or less only

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Tiered Savings Account
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

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 20, 2026
Details

Qualifying balance up to $10,000.00; Open Online

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Harbor St, Boston, MA 02210
LevelUp Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Earn 10x the National Average2

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 20, 2026
Details

Qualifying balance up to $25,000.00; Qualifications Required

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

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 17, 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 17, 2026
Details

Qualifying balance up to $25,000.00

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
160 County St, New Bedford, MA 02740
Jumbo Savings
3.75%
$25,000
Rate3.69%
Min Deposit$25,000
Min Balance
UpdatedMar 17, 2026
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
SCU Direct Savings Account Tier 1
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

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

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
SCU Direct Savings Account Tier 2
3.75%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

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

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 20, 2026
Details

High Yield Savings5

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 20, 2026
Details

Available to consumers only. New money is welcome but not required.

Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
642 Chelmsford St, Lowell, MA 01851
Tiered Savings Account
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
Advantage Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $100,000

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 15, 2026
Details

Qualifying balance up to $100,000.00

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 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
100 Boston Scientific Way, Marlborough, MA 01752
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Sharon And Crescent United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
30 Pond St, Sharon, MA 02067 2040
SCU Direct Savings Account Tier 3
2.75%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

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

Millbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
50 Main St, Millbury, MA 01527
Business Money Market Savings Special
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

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.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Ware, 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 Ware, 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 Ware, 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 Ware, 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 Ware, 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 Ware, 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 Ware, Massachusetts?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Ware, Massachusetts offer in-person customer service, which some customers prefer.

How do I open a savings account in Ware, 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 Ware, Massachusetts

Here are recent savings rates observed in Ware, Massachusetts and the surrounding area:
  • North Brookfield SB
    High Five Savings — 3.41% APY
  • Country Bank for Savings
    Savings — 2.02% APY
  • Monson Savings Bank
    MoneyMaking Savings — 0.75% APY
  • Service Federal Credit Union
    Deployed Warrior Savings — 10.00% APY
  • Lowell Firefighters Credit Union
    Savings Club for Kids — 8.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ware, Massachusetts. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026