Rochester, New Hampshire Money Market Rates - October 2026
Brian McKay
Brian McKay
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Rochester, New Hampshire money market account rates range from 0.01% to 4.00% APY, verified by MonitorBankRates as of October 19, 2026. Current Rochester, New Hampshire and the surrounding area money market deposit account rates include Citizens BankCitizens Bank90 N Main St, Rochester, NH 03867A+5.0 ★Texas Ratio: 5.44%Real return: +0.70%APY minus 2.8% CPI (February 2026) Citizens Private Client Money Market - Preferred at 3.50% APY, Service Federal Credit UnionService Federal Credit Union90 S Main St, Rochester, NH 03867A-4.9 ★Texas Ratio: 16.25%Real return: -0.30%APY minus 2.8% CPI (February 2026) Business Money Market Account at 2.50% APY, Granite State Credit UnionGranite State Credit Union7 Two Rod Rd, Rochester, NH 03867 4328A+5.0 ★Texas Ratio: 3.25%Real return: -0.78%APY minus 2.8% CPI (February 2026) Money Market Account at 2.02% APY, Holy Rosary Credit Union Rochester, NHHoly Rosary Credit Union Rochester, NH133 Brock St, Rochester, NH 03867A+5.0 ★Texas Ratio: 3.17%Real return: -1.05%APY minus 2.8% CPI (February 2026) Business Money Market at 1.75% APY, and MVSBMVSB21 Farmington Rd, Rochester, NH 03867A+5.0 ★Texas Ratio: 3.52%Real return: -2.40%APY minus 2.8% CPI (February 2026) Premier Money Market at 0.40% APY. Money market rates as of October 19, 2026 according to verified data from MonitorBankRates.
Rochester has 7 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 90 N Main St, Rochester, NH 03867. Use the table below to compare all available offers, including options from institutions serving the broader New Hampshire area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Rochester, New Hampshire and surrounding area. Last Updated and Verified: October 19, 2026
Compare the Best Money Market Rates Today in Rochester, New Hampshire & the Surrounding Area
Rhode Island rates; requires Citizens Private Client Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Private Client Checking; includes unlimited rebates on ATM fees charged by other banks; rates apply to new accounts and are variable
Rhode Island rates; requires Citizens Quest Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Balance: $100,000.00 and over; Tier 3
- Oct 7, 20262.50%▲ from 1.70%
- Sep 18, 20261.70%first recorded
Tier 3; Balance: $100,000.00 or greater
- Oct 7, 20262.50%▲ from 1.70%
- Sep 18, 20261.70%first recorded
Balance: $250,000 minimum to earn APY; Rates effective 10-18-2026; Dividends compounded daily, credited monthly
Balance: $100,000 minimum to earn APY; Rates effective 10-18-2026; Dividends compounded daily, credited monthly
Minimum Required to Earn APY: $250,000; Dividends paid monthly; Effective Date: 6/20/2025
Balance: $250,000 tier minimum; Dividends paid monthly; Minimum Balance to Earn APY: $250,000
Minimum Required to Earn APY: $100,000; Dividends paid monthly; Effective Date: 6/20/2025
Balance: $100,000 tier minimum; Dividends paid monthly; Minimum Balance to Earn APY: $100,000
Balance: $50,000 minimum to earn APY; Rates effective 10-18-2026; Dividends compounded daily, credited monthly
Minimum Required to Earn APY: $50,000; Dividends paid monthly; Effective Date: 6/20/2025
Balance: $50,000 tier minimum; Dividends paid monthly; Minimum Balance to Earn APY: $50,000
Balance: $25,000.00 - $99,999.99; Tier 2
Tier 2; Balance: $25,000.00 - $99,999.99
Minimum Required to Earn APY: $25,000; Dividends paid monthly; Effective Date: 6/20/2025
Balance: $25,000 tier minimum; Dividends paid monthly; Minimum Balance to Earn APY: $25,000
Balance: $2,500.00 - $24,999.99; Tier 1
Tier 1; Balance: $2,500.00 - $24,999.99; monthly fee if daily balance drops below $2,500.00
Balance: $25,000 minimum to earn APY; Rates effective 10-18-2026; Dividends compounded daily, credited monthly
Balance: $2,500 tier minimum; Dividends paid monthly; Minimum Balance to Earn APY: $2,500
Balance: $250,000.00 minimum to earn stated APY; Requires active and in good standing Premier Checking Account; Open Now
Rates effective 10-18-2026; Minimum required to earn APY: $10,000
Balance: $100,000.00 minimum to earn stated APY; Requires active and in good standing Premier Checking Account; Open Now
Balance: $250,000.00 minimum to earn stated APY; Open Now
Balance: $25,000.00 minimum to earn stated APY; Open Now
Balance: $25,000.00 minimum to earn stated APY; Requires active and in good standing Premier Checking Account; Open Now
Balance: $1,000.00 minimum to earn stated APY; Open Now
Balance: $2,500 minimum to earn APY; Rates effective 10-18-2026; Dividends compounded daily, credited monthly
Daily balances under $2,500 do not earn interest.
Daily balances under $2,500 do not earn interest.
Balance: $0 tier minimum; Dividends paid monthly; Minimum Balance to Earn APY: $0
Rhode Island rates; requires Citizens Quest Checking account; standard rate; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Balance: $0 - $2,499
Daily balances under $2,500 do not earn interest.
Balance: $25,000-$10,000,000; Blended 12 Month APY: 3.62%
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $25,000-$10,000,000; Monthly Maintenance Fee: $7; Minimum Balance to waive fee: $2,500; Limit 1 account per customer
$50,000.00+; Balance: $50,000+
$50,000+; Balance: $50,000+
Monthly Fee $0.00
Balance: $100,000.00 and over; Rates are variable and subject to change after account opening
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $1,000,000+
Balance: $1,000,000.00 and over
$25,000.00+; Balance: $25,000.00-$49,999.99
Balance: $25,000-$10,000,000; Blended 12 Month APY: 3.62%
Balance: $10,000.00+
Balance: $1,000,000.00 and over
Balance: $0-$24,999.99
- Sep 27, 20263.00%▲ from 0.05%
- Sep 24, 20260.05%first recorded
Balance: $500,000.00 and up
Balance: $500,000.00 and up
Balance: $50,000.00 - $99,999.99; Rates are variable and subject to change after account opening
Tier 5; Balance: $500,000 +
Balance: $100,000 and over; Rates effective as of June 30, 2025; $5.00 Membership Account Required
Balance: $500,000.00 - $999,999.99
Balance: $25,000.00 - $49,999.99; Rates are variable and subject to change after account opening
Balance: $100,000 or more; APY stated as of 05/09/2023
Balance: $250,000 and over
Balance: $100,000 - $249,999.99
Balance: $250,000.00 - $499,999.99
- Oct 3, 20262.28%▲ from 2.02%
- Sep 7, 20262.02%first recorded
Tier 4; Balance: $250,000 < $500,000
Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $50,000-$99,999.99; APY stated as of 05/09/2023
Balance: $50,000 - $99,999.99
Balance: $250,000 and over; Minimum Balance to waive: N/A; Monthly Maintenance Fee: $0
Balance: $250,000 and above; Featured Premier Money Market; Monthly Maintenance Fee: $0; Minimum Balance to waive: N/A
Balance: $100,000.00 - $249,999.99
- Oct 3, 20262.02%▲ from 1.77%
- Sep 7, 20261.77%first recorded
Balance: $150,000 and over; Minimum required to earn APY: $150,000; Estatement enrollment required; No paper checks administered; Rates may change after account is opened without notice; Any fees imposed could reduce earnings
$25,000+; Balance: $25,000-$49,999.99
Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Balance: $50,000 & Up
Balance: $25,000-$49,999.99; APY stated as of 05/09/2023
Balance: $100 - $49,999.99
Tier 3; Balance: $100,000 < $250,000
Balance: $50,000 - $99,999.99; Rates effective as of June 30, 2025; $5.00 Membership Account Required
Balance: $35,000 - $49,999.99
Balance: $250,000 - $499,999.99; Effective Date: May 1, 2026
Balance: $250,000 and above; Minimum Balance to Earn APY: $250,000; Minimum deposits required to open this account is $2,500
Balance: $250,000 and above
Balance: $250,000 & above
Balance: $100,000 - $249,999.99; Effective Date: May 1, 2026
Balance: $75,000 - $149,999.99; Minimum required to earn APY: $75,000; Estatement enrollment required; No paper checks administered; Rates may change after account is opened without notice; Any fees imposed could reduce earnings
Balance: $100,000 - $249,999
Tier 2; Balance: $50,000 < $100,000
Balance: $500,000.00 and over; Minimum Daily Balance to Obtain APY: $1,000
Balance: $50,000.00-$99,999.99; Minimum Daily Balance to Obtain APY: $1,000
Balance: $10,000.00-$24,999.99; Minimum Daily Balance to Obtain APY: $1,000
Balance: $1,000.00-$9,999.99; Minimum Daily Balance to Obtain APY: $1,000
Balance: $100,000-$249,999; Minimum Balance to waive: N/A; Monthly Maintenance Fee: $0
Tier 1; Balance: $25,000 < $50,000
Balance: $1,000,000 and over; Compounded: Monthly
Balance: $.01 - $49,999.99
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.
Rochester, NH Money Market Rate Trends
Compare local Rochester, NH money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Hampshire high-yield MMA rates rose 0.007 points over the past 7 days to 3.098% APY.
New Hampshire standard MMA rates fell 0.009 points over the past 7 days to 0.475% APY.
Rochester, New Hampshire Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current NH high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market 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 money market average of 3.098% 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: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
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 Rochester, New Hampshire.
Money Market Account Earnings in Rochester, New Hampshire
Annual interest earnings at current NH average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.098% APY) | Monthly Earnings | Standard MMA (0.475% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $309.78 / year | $25.81 | $47.49 / year | $3.96 |
| $25,000 | $774.45 / year | $64.54 | $118.73 / year | $9.89 |
| $50,000 | $1,548.90 / year | $129.08 | $237.45 / year | $19.79 |
| $100,000 | $3,097.80 / year | $258.15 | $474.90 / year | $39.57 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Rochester, New Hampshire money market rate averages as of October 19, 2026. | ||||
About Our Rochester, New Hampshire Money Market Rate Database
MonitorBankRates found 7 institutions with branches in Rochester (4 banks, 3 credit unions), plus 23 additional state-chartered and national online institutions available to Rochester 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 to 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: Citizens Bank offers a money market account at 3.50% APY. Use the rate table above to compare all current offers in Rochester, New Hampshire.
How to Find the Best Money Market Rates in Rochester, New Hampshire
What to compare when shopping for a money market account in Rochester, New Hampshire
To find the best money market APYs in Rochester, New Hampshire, start with credit unions and online-only banks: Rochester, New Hampshire has 13 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, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current NH high-yield money market average is 3.098% but top local institutions are offering as high as 3.50%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Rochester, New Hampshire high-yield money market rates currently average 3.098% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Rochester, New Hampshire institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 30 institutions in Rochester, New Hampshire report money market rates to our database.
- You’re among Rochester, New Hampshire’s 19.6% 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 Rochester, New Hampshire CD rates
- You don’t need check writing and want a lower minimum Rochester, New Hampshire savings rates
- You need daily transaction access Rochester, New Hampshire checking rates
Rochester, New Hampshire Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
19.6% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy with solid savings capacity. At today’s NH high-yield money market average of 3.098%, saving 10% of the local median salary ($4,519/year) would earn an additional $140 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Rochester, New Hampshire Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Rochester, New Hampshire.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current NH Avg APY | 3.098% | View Savings Rates | 0.475%(Standard MMA) | 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 | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Rochester, New Hampshire averages tracked in our database as of October 19, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Rochester, New Hampshire Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Rochester, New Hampshire rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Rochester, New Hampshire
At NH’s top money market rate of 3.50% from Citizens Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Rochester, New Hampshire earner is roughly $11,300. At 3.098% APY in a money market account, saving $940/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountNew Hampshire’s high-yield money market average is 3.098% APY, variable, always accessible, and often with check-writing. 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 Rochester, New Hampshire earner makes $45,193/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.098% APY.
Retirement PlannerA $25,000 money market balance earning 3.098% APY grows to roughly $46,018 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 Rochester, New Hampshire money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Rochester, 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 money market 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 Rochester, New Hampshire. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in NH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Rochester, New Hampshire
What is a Money Market Account (MMA)?
Are Money Market accounts in Rochester, New Hampshire safe?
How often do MMA rates change in Rochester, New Hampshire?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Rochester, New Hampshire?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Rochester, New Hampshire for money market accounts?
Best Money Market Rates in Rochester, New Hampshire
- Citizens Bank
Citizens Private Client Money Market - Preferred: 3.50% APY - Service Federal Credit Union
Business Money Market Account: 2.50% APY - Granite State Credit Union
Money Market Account: 2.02% APY - Holy Rosary Credit Union Rochester, NH
Business Money Market: 1.75% APY - MVSB
Premier Money Market: 0.40% APY
Rochester, New Hampshire Rates & Resources
