Grow Your Savings Savings With a Top Tier APY
4.75% APY* on Savings Balances Up to $250,000
If you’re comparing the best savings account rates or researching high yield savings accounts in Massachusetts, the Zeugma Plus High‑Yield Savings Account is built for you. As an FDIC-insured savings account, it stands out among the best safe savings account options—helping you earn more on every dollar.
Zeugma Plus High-Yield Savings Account Benefits
Earn 4.75% APY* on Savings Balances Up to $250,000
No Monthly Fees or Minimum Balance Requirements
FDIC‑Insured for Peace of Mind
Easy Online Savings Account Access with Mobile App
Qualifications are as Easy as 1-2-3
①
Set Up Direct Deposit
Think paycheck, pension, or any regular income-just make sure it's over $1,000 a month and you're good to go.
②
Sign Up for eStatements
Skip the clutter and save a few trees while you're at it. You can view your statements anytime right in the mobile app.
③
3 Debit Transactions
Grab your coffee, pay a bill, or stock up on groceries-just use your debit card three times a month for everyday spending.
Frequently Asked Questions
This high‑yield savings account is ideal for people who want:
- Better‑than‑average savings rates
- A FDIC‑insured savings account for security
- A trusted local Massachusetts bank
- An easy‑to‑manage online savings account
- A savings account with no monthly fees
- A simple, accessible way to compare savings rates and choose the best option for their financial goals
Leader Bank delivers the convenience and strong rates of an online bank—without losing the reliability of a locally‑based financial institution headquartered in Massachusetts.
With FDIC insurance, your deposits are protected up to the legal limits, giving you the reassurance you need when storing your short‑ or long‑term savings.
The account is simple:
- Deposit your money
- Earn a strong 4.75% APY* on balances up to $250,000
- Manage everything through online and mobile banking
- Enjoy no monthly fees and FDIC insurance
Because there are no hidden requirements or complex conditions, it’s a smart choice for rate‑focused savers who want transparency and predictable growth.
Yes. Deposits in the Zeugma Plus High‑Yield Savings Account are FDIC insured up to the legal limits, making it a secure and reliable choice for storing emergency funds or building long‑term savings.
Both high‑yield savings accounts and money market accounts are low‑risk, interest‑bearing deposit accounts. The key differences are:
- High‑yield savings accounts typically offer strong APYs with no fees and easy online access.
- Money market accounts may offer check‑writing or debit access but often require higher minimum balances for top rates.
If you’re comparing high‑yield savings vs. money market accounts, a high‑yield savings account is often better for maximizing interest with fewer requirements.
Yes. The account includes full online and mobile banking access, making it convenient for savers comparing online savings account options but who still prefer the reliability of a local bank.
Learn More About High Interest Savings
Link to What Are High-Yield Savings Accounts and How Do They Work? What Are High-Yield Savings Accounts and How Do They Work?
Link to 10 Simple Ways to Save Money Each Month 10 Simple Ways to Save Money Each Month
Looking to put more money into your savings account each month?
*Annual Percentage Yield (APY) effective as of 24 February, 2026. To open a new Zeugma Plus account relationship, you must make a total initial deposit of $1,000.00 using funds drawn from outside Leader Bank. Your Zeugma Plus Accounts must each be funded with a minimum of $10.00, the minimum balance required to maintain eligibility. To receive the 4.75% APY quoted, you must fulfill the following 3 requirements for your Zeugma Plus Checking each month: (a) receive a minimum of $1,000 in direct deposits, (b) enroll in eStatements, and (c) have three (3) electronic withdrawal debit transactions posted and cleared (excluding internal transfers) (the 'Qualifying Criteria'). When you satisfy the Qualifying Criteria, then an APY of 4.75% shall be paid on Zeugma Plus Savings balances up to $250,000 in the following month. An APY of 2.50% will be paid on that portion of daily balances which exceed $250,000; your total APY for such balances will range from 2.50% to 4.75%, depending on total balance. If you do not meet the Qualifying Criteria in a month, you will be paid 2.50% APY on your entire balance in the following month. The APYs above are effective for accounts opened between 12/1/25 and 2/28/26 and shall not be changed for accounts opened in this timeframe until at least 5/31/26; thereafter APYs may vary. Limit one Zeugma Plus Checking and one Zeugma Plus Savings account per household; additional terms and conditions may apply.
