Money Market Accounts

Money Markets are popular for people who have enough savings to meet the minimums and benefit from interest rates that are higher than a standard savings account.

Money Market accounts offer higher-yield savings with 24/7 access to your funds.

Top Features

Easy access to your funds 24/7
Fully Insured¹

Money Market

Our standard Money Market is perfect for people looking to balance a higher rate of return with easy access to funds.

Money Market Rates

Effective as of 08/29/2025

Program	Annual Percentage Yield (APY)²	Minimum Daily Balance to Earn APY²
Money Market (Daily balances from $10.00 to $2,499.99 will earn 0.05% APY. Daily balances below $10.00 will not earn interest.)	0.100%	$2,500.00

Open at a Branch

Tiered Money Market

With an easy-to-open Tiered Money Market, you’ll have full access to your funds when you need them and will benefit from automatic interest rate increases as your balance grows into new tiers.

Tiered Money Market Rates

Effective as of 08/29/2025

Tier	Annual Percentage Yield (APY)³
Less Than $25,000.00	0.05%
Between $25,000.00 and $49,999.99	1.00%
Between $50,000.00 and $74,999.99	1.50%
Between $75,000.00 and $99,999.99	2.00%
Between $100,000.00 and $124,999.99	2.50%
$125,000.00 or Greater	3.00%

Open Online

Open at a Branch

¹All Bluestone Bank deposit accounts are insured by the FDIC up to $250,000.00 per depositor, with the excess over $250,000.00 insured by the DIF.

²Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Accounts are restricted to residents of Massachusetts and Rhode Island.

³Interest rate varies dependent upon the Money Market tier and the daily balance maintained.

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