Best Money Market Rates in Berkeley, New Jersey (NJ) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Berkeley, New Jersey and the surrounding area money market deposit account rates include Spencer Savings BankSpencer Savings BankA+5.0 ★Texas Ratio: 2.42% Premium Money Market Promo - With New or Existing Non-Interest Bearing Checking Account (New Money)*** at 4.00% APY, Blue Foundry BankBlue Foundry BankA+5.0 ★Texas Ratio: 2.56% Blue Axis Edge®Money Market at 3.85% APY, Citizens BankCitizens BankA5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Parke BankParke BankA5.0 ★Texas Ratio: 6.65% Parke Select Personal or Business Money Market at 3.75% APY, and First Atlantic Federal Credit UnionFirst Atlantic Federal Credit UnionA+5.0 ★Texas Ratio: 4.55% Magnum Money Market (New Money Only) at 3.75% APY. Money market rates as of May 4, 2026 according to verified data from MonitorBankRates.
Berkeley is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the New Jersey area are available to Berkeley residents, with money market rates as high as 4.00% APY from Spencer Savings Bank. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Berkeley, New Jersey and surrounding area. Last Updated and Verified: May 4, 2026
Compare the Best Money Market Rates Today in Berkeley, New Jersey & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Premium Money Market Promo - With New or Existing Non-Interest Bearing Checking Account (New Money)***
4.00%
$10,000
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedMay 3, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
Blue Axis Edge®Money Market
3.85%
$100
▼
Rate3.78%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Money Market Account
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
as high as
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Magnum Money Market (New Money Only)
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Parke Select Personal or Business Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Magnum Money Market (New Money Only)
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Mega Money Market (New Money Only)
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Money Market
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Premier Business Money Market
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Promotional Money Market Account
3.55%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
minimum new money deposit of $10,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account Preferred Rate
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Apple Choice Banking Program
Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Premium Money Market Promo - w/o Checking (New Money Only)***
3.50%
$10,000
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedMay 3, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Magnum Money Market (New Money Only)
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Business Money Market Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Mega Money Market (New Money Only)
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Parke Select Personal or Business Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $49,999.99
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$15,000+
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$1,000,000.00 and over
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
A higher balance means a better rate--plus check-writing privileges AND no fees.
Somerset Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Premium Money Market Account
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
up to
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
High Value Business Money Market
3.25%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
New money only.
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$500,000.00 - $999,999.99
Crest Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Money Market**
3.25%
$1,000
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Ultra Money Market Account
3.15%
$50,000
▼
Rate3.11%
Min Deposit$50,000
Min Balance—
UpdatedApr 18, 2026
Details
Minimum account funding of $50,000.00 with funds not currently on deposit with UTF is required to earn promotional rate. Balances up to $1,000,000 are eligible for the promotional APY, however, NCUA coverage will only apply to balances of $250,000 or less. Offer may change or end at any time without notice. Fees may reduce earnings. Additional restrictions may apply. See website for further details.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market
3.10%
$25,000
▼
Rate3.06%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Money Market Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
2 free withdrawals monthly***
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $2,500.00
Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Step-Up Money Market
3.00%
$5,000
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
UpdatedMay 3, 2026
Details
$25,000 and up
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$250,000.00 - $499,999.99
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
Blue Axis®Tiered Money Market
3.00%
$100
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
High-Yield Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $100,000.00
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Business Money Market Tier 2
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
3.00%
$500,000
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedApr 17, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Business Money Market Tier 4
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Premier Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Business Money Market Tier 3
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
GSL Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Super Money Market Account
2.98%
$1,500
▼
Rate2.90%
Min Deposit$1,500
Min Balance—
UpdatedMay 4, 2026
Details
Minimum Daily Balances $100,000.00 or more
Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Premium Money Market
2.90%
$10,000
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedMay 3, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Elite High Yield Personal Money Market
2.85%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market
2.85%
$25,000
▼
Rate2.81%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
LIQUID PLATINUM MONEY MARKET
2.85%
$500
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 3, 2026
Details
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Premier Business Money Market
2.79%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Money Market Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Relationship Money Market Account
2.75%
$1,000
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.75%
$250,000
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Mega Money Market (New Money Only)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Magnum Money Market (New Money Only)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Money Market**
2.75%
$1,000
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$100,000.00 - $249,999.99
Manasquan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
LIQUID PLATINUM MONEY MARKET
2.75%
$500
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 3, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market
2.75%
$25,000
▼
Rate2.71%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Business Relationship Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Relationship Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market
2.60%
$25,000
▼
Rate2.56%
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account
2.53%
$0
▼
Rate2.49%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market
2.53%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
which is 70% of the indexed rate
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Business Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.50%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
IRA Money Markets-Traditional and Roth
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
FirstWave Money Market
2.50%
$500,000
▼
Rate2.47%
Min Deposit$500,000
Min Balance—
UpdatedMay 4, 2026
Details
New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
IRA Money Markets-Traditional and Roth (S6/S12)
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Family First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
Money Market Account
2.23%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
United Money Market Account
2.20%
$0
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Magnum Money Market (New Money Only)
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Business Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
Money Market
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Money Market Accounts
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Money Market
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Mega Money Market (New Money Only)
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Money Market
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.76%
Money Market
1.92%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Premium High-Yield Money Market Account
1.80%
$0
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
1.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
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MonitorBankRates
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. Rates reflect recent market quotes and representative offers available to depositors in Berkeley, New Jersey and the surrounding area.
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.
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.
Berkeley, NJ Money Market Rate Trends
Compare local Berkeley, NJ 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.
High-Yield MMA — NJ Avg
3.387%
▲ 0.160 vs 7 days ago
New Jersey high-yield MMA rates rose 0.160 points over the past 7 days to 3.387% APY.
Standard MMA — NJ Avg
0.683%
▲ 0.144 vs 7 days ago
New Jersey standard MMA rates rose 0.144 points over the past 7 days to 0.683% APY.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Berkeley, New Jersey 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 Berkeley, New Jersey. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in NJ.
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 Berkeley, New Jersey
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in New Jersey.
Are Money Market accounts in Berkeley, New Jersey 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 New Jersey up to $250,000 per depositor, per institution.
How often do MMA rates change in Berkeley, New Jersey?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New Jersey rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Berkeley, New Jersey?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Berkeley, New Jersey require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Berkeley, New Jersey
Here are some of the highest money market account APYs currently available in Berkeley, New Jersey and the surrounding area:
- Spencer Savings Bank
Premium Money Market Promo - With New or Existing Non-Interest Bearing Checking Account (New Money)*** — 4.00% APY - Blue Foundry Bank
Blue Axis Edge®Money Market — 3.85% APY - Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Parke Bank
Parke Select Personal or Business Money Market — 3.75% APY - First Atlantic Federal Credit Union
Magnum Money Market (New Money Only) — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Berkeley, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 4, 2026
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