Best Money Market Rates in Farmingdale, New Jersey - July 2026

Preferred

Balance: $2,500 - $49,999.99

Preferred rates; A minimum of $25,000 of new money is required to qualify for preferred rates.

APY of 3.50% for a deposit balance up to $49,999.99

Preferred rates; A minimum of $25,000 of new money is required to qualify for preferred rates.

As Low As

New money only. Variable rate product. Daily balances at or below $24,999.99 earn an APY of 1.50%. No check writing privileges.

As High As

Tier 5: If your daily balance is $500,000.00 or more you will earn an interest rate of 3.06%.

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Tiered rates.

Balance of $50,000**

Tier Two

For daily balances of $0.01 to $49,999.99, the APY is 1.50%.

Rates subject to change. Click for details.

Balance requirement of $50,000**

Earn premium rates while maintaining easy access to your money. Annual Percentage Yield (APY) is effective as of July 7, 2026 on balances of $100,000 or greater and is subject to change. Other tiers and APYs that are subject to change at any time are as follows: $0.01 - $9,999.99 = 0.03%, $10,000 - $24,999.99 = 1.50%, $25,000 - $49,999.99 = 1.75%, $50,000 - $99,999.99 = 2.00% and $100,000+ = 3.00%. Fees assessed to accounts may reduce earnings. Personal Accounts only.

2 free withdrawals monthly; Money Market Plus accounts are only available for new money, or funds that have not been on deposit with 1166 Federal Credit Union in the last 30 days.

Minimum Daily Balances $100,000.00 or more

$500,000 and above

Tier 4: If your daily balance is $250,000.00 up to $499,999.99 you will earn an interest rate of 2.81%.

APY* on $1,000,000 +. Interest Compounded/Credited Monthly/Monthly.

Projected Rates for February 2026. Rate is not guaranteed.

Tiered rates.

Tier 3: If your daily balance is $100,000.00 up to $249,999.99 you will earn an interest rate of 2.71%.

APY* on $500,000 - $999,999. Interest Compounded/Credited Monthly/Monthly.

If unable to maintain a daily balance of $25,000.00, a $15.00 monthly maintenance fee will be imposed. Minimum deposit to open Business Relationship Money Market account is $1,000.00. If unable to maintain a daily balance of $50,000.00, a $15.00 monthly maintenance fee will be imposed. Interest rates are subject to change at any time without prior notice before or after the account is opened. Fees may reduce earnings on this account. Some restrictions apply.

Balance: $1,000,000 & Over

Tier 2: If your daily balance is $25,000.00 up to $99,999.99 you will earn an interest rate of 2.56%.

70% of the indexed rate

Projected Rates for February 2026. Rate is not guaranteed.

Tiered rates.

No Commitments. Withdraw anytime. The more you deposit, the higher your rate. $10,000 Minimum To Receive Promotional Rates. NEW MONEY ONLY. Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender. Annual Percentage Yield (APY) shown is accurate as of 12/15/2025. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.

$250,000

Projected Rates for February 2026. Rate is not guaranteed.

$100,000 - $249,999

APY for balances of $25,000 - $9,999,999