Amherst, New Hampshire Savings Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Amherst, New Hampshire and the surrounding area include Service Federal Credit UnionService Federal Credit Union85 State ROUTE 101A, Amherst, NH 03031 2216A5.0 ★Texas Ratio: 10.17%Real return: +7.20%APY minus 2.8% CPI (February 2026) Deployed Warrior Savings at 10.00% APY, Triangle Credit UnionTriangle Credit Union138 State Route 101A, Amherst, NH 03031A+5.0 ★Texas Ratio: 3.94%Real return: -0.30%APY minus 2.8% CPI (February 2026) Online Savings at 2.50% APY, Granite State Credit UnionGranite State Credit Union132 State Route 101A, Amherst, NH 03031A+5.0 ★Texas Ratio: 5.10%Real return: -2.35%APY minus 2.8% CPI (February 2026) Advantage Plus Savings Account at 0.45% APY, Bangor Savings BankBangor Savings Bank69 Route 101a, Amherst, NH 03031A+5.0 ★Texas Ratio: 2.55%Real return: -2.40%APY minus 2.8% CPI (February 2026) Market Rate Savings at 0.40% APY, and Claremont Savings BankClaremont Savings BankA+5.0 ★Texas Ratio: 3.43%Real return: +1.27%APY minus 2.8% CPI (February 2026) Aspire Youth Savings at 4.07% APY.
Amherst has 39 local institutions in our database, with savings rates as high as 10.00% APY from Service Federal Credit Union at 85 State ROUTE 101A, Amherst, NH 03031 2216. Use the table below to compare all available offers, including options from institutions serving the broader New Hampshire area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Amherst, New Hampshire and the surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Savings Rates in Amherst, New Hampshire & Surrounding Communities
Warriors deployed in combat zones may deposit up to $10,000 into a Service CU Deployed Warrior Savings Account which earns 10% APY (Annual Percentage Yield) up to $10,000.00. If actual daily balance exceeds $10,000, the remaining balance will receive variable APY of 10%-0.10%. Rates are variable and subject to change; accurate as of 11/16/2025. Service member must be serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided. Direct deposit of net pay is required into members Service CU account. No minimum balance is required to open the Deployed Warrior Savings Account; $5 deposit is required to open a Primary Savings Account. Monthly deposits into a Deployed Warrior Savings Account cannot exceed the amount of your monthly net military pay; however, deposits into the Deployed Warrior Savings Account may be direct deposit, an allotment, or a transfer of funds from a Service CU account. Withdrawals are not permitted from a Deployed Warrior Savings Account. If a withdrawal is made from the Deployed Warrior Savings Account before the redeployment date plus 120 days, the funds in the Deployed Warrior Savings Account will be transferred to the Primary Savings Account, and the Deployed Warrior Savings Account will be closed. The Deployed Warrior Savings Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. eCommunications is required.
Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month.
APY on first $500; 0.25% APY on funds over $500. Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 10/16/2025 and subject to change without notice. Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
3% APY up to $3,000, then 0.25% APY for minimum average daily balances of $3,000.00. Annual Percentage Yield (APY) is accurate as the last dividend declaration date of 02/25/2025 and subject to change without notice. Dividends paid on daily balances of $3,000 and less at 3% APY. If daily balance exceeds $3,000, the remaining balance will receive a variable APY of 3.00%-0.25%. On the first day in November, funds are disbursed via transfer to a Service CU account of your choosing at time of account opening. One Holiday Club account allowed per tax reporting owner. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Consumer Schedule of Fees and Charges and Truth in Savings disclosure for more information. Available upon request.
Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Available upon request.
Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/2025 and subject to change without notice. Fees may reduce earnings on the account.
Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/2025 and subject to change without notice. Fees may reduce earnings on the account.
No minimum deposit required to open the account. A $50 minimum average daily balance is required to earn APY. Fees may reduce earnings on account. Dividends are calculated based on the daily balance method and credited on the last day of each month.
Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Available upon request.
Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Available upon request.
Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Available upon request.
$0-$20,000; Open Online (Opens in new tab)
Qualifying balance up to $20,000.00
Balances up to $4,999.99
Annual Percentage Yield (APY) as of 6/25/2025. The rate and APY on these Variable Rate Accounts are subject to change at any time without notice. Fees may reduce earnings.
($100.00 minimum to open)
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Customer must be an Individual who has an existing personal Camden National Checking Account or opens one at the time this account is opened. This offer is available for new accounts opened on or after 9/18/2025. This account requires new money that is not deposited at Camden National Bank. Transfers from existing Camden National Bank accounts are not eligible. Fees could reduce earnings.
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Fees could reduce earnings. Account rate is variable and is subject to change at any time. Rates and Annual Percentage Yields effective 6/29/26. Free eStatements ($10/month for paper statements). No early withdrawal penalties.
Annual Percentage Yield (APY) as of 6/25/2025. The rate and APY on these Variable Rate Accounts are subject to change at any time without notice. Fees may reduce earnings.
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.
Amherst, NH Savings Rate Trends
Compare local Amherst, NH 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.
New Hampshire high-yield savings rates fell 0.156 points over the past 7 days to 1.943% APY, down from 2.099%.
New Hampshire standard savings rates rose 0.295 points over the past 7 days to 2.003% APY, up from 1.708%.
Amherst, New Hampshire Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current NH high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
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 NH high-yield savings average of 1.943% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 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 Amherst, New Hampshire.
Savings Account Earnings in Amherst, New Hampshire
Annual interest earnings at current NH average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.943% APY) | Monthly Earnings | Standard Savings (2.003% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $97.15 / year | $8.10 | $100.15 / year | $8.35 |
| $10,000 | $194.29 / year | $16.19 | $200.29 / year | $16.69 |
| $25,000 | $485.73 / year | $40.48 | $500.72 / year | $41.73 |
| $50,000 | $971.45 / year | $80.95 | $1,001.45 / year | $83.45 |
| 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: Amherst, New Hampshire savings rate averages as of August 30, 2026. | ||||
About Our Amherst, New Hampshire Savings Rate Database
MonitorBankRates found 4 institutions with branches in Amherst (1 bank, 3 credit unions), plus 9 additional state-chartered and national online institutions available to Amherst 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 (1–5), 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: Service Federal Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in Amherst, New Hampshire.
How to Find the Best Savings Rates in Amherst, New Hampshire
What to compare when shopping for a savings account in Amherst, New Hampshire
To find the best savings APYs in Amherst, New Hampshire, start with credit unions and online-only banks — Amherst, New Hampshire has 3 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 NH high-yield savings average is 1.943% — but top local institutions are offering as high as 10.00%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Amherst, New Hampshire high-yield savings rates currently average 1.943% APY — far above a typical checking account.
- Short-term savings goals (6–24 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 Amherst, New Hampshire institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 13 institutions in Amherst, New Hampshire report savings rates to our database.
- You’re among Amherst, New Hampshire’s 20.1% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 → Amherst, New Hampshire CD rates
- You want check-writing flexibility → Amherst, New Hampshire money market rates
- You need daily transaction access → Amherst, New Hampshire checking rates
New Hampshire Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau (state-level data shown — city data not available)
20.1% of residents are 65 or older — above the national average of 17.3% — making liquid, accessible savings accounts a particularly relevant option in this market; a low unemployment rate of 3.3% reflects a strong local economy with solid savings capacity. At today’s NH high-yield savings average of 1.943%, saving 10% of the local median salary ($5,241/year) would earn an additional $102 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Amherst, New Hampshire Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Amherst, New Hampshire.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NH Avg APY | 1.943% | 2.003% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Amherst, New Hampshire averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Amherst, New Hampshire
At NH’s top rate of 10.00% from Service Federal Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Amherst, New Hampshire earner is roughly $13,100. At 1.943% APY, saving $1,090/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsNew Hampshire’s high-yield savings average is 1.943% 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 Amherst, New Hampshire earner makes $52,410/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 1.943% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.943% APY grows to roughly $36,735 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 Amherst, New Hampshire 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 Amherst, New Hampshire 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 Amherst, New Hampshire. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NH.
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 Amherst, New Hampshire
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Amherst, New Hampshire safe?
How often do savings rates change in Amherst, New Hampshire?
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 Amherst, New Hampshire?
How do I open a savings account in Amherst, New Hampshire?
Best Savings Rates in Amherst, New Hampshire
- Service Federal Credit Union
Deployed Warrior Savings — 10.00% APY - Triangle Credit Union
Online Savings — 2.50% APY - Granite State Credit Union
Advantage Plus Savings Account — 0.45% APY - Bangor Savings Bank
Market Rate Savings — 0.40% APY - Claremont Savings Bank
Aspire Youth Savings — 4.07% APY
Amherst, New Hampshire Rates & Resources
