Best Money Market Rates in Madison, New Jersey (NJ) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Madison, New Jersey and the surrounding area money market deposit account rates include Citizens BankCitizens Bank256 Samson Rock Dr, Madison, CT 06443A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Haven Savings BankHaven Savings Bank177 Main St, Madison, NJ 07940A+5.0 ★Texas Ratio: 2.97% Step-Up Money Market at 3.00% APY, Kinecta Federal Credit UnionKinecta Federal Credit Union175 Park Ave, Madison, NJ 07940A+5.0 ★Texas Ratio: 4.14% Signature Money Market at 3.00% APY, Unity BankUnity Bank269 Main St, Madison, NJ 07940A5.0 ★Texas Ratio: 7.29% Money Market IRA at 0.15% APY, and Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.92% Money Market Account at 4.07% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Madison has 4 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 256 Samson Rock Dr, Madison, CT 06443. Use the table below to compare all available offers, including options from institutions serving the broader New Jersey area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Madison, New Jersey and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Madison, New Jersey & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
256 Samson Rock Dr, Madison, CT 06443
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
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
256 Samson Rock Dr, Madison, CT 06443
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
3.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
177 Main St, Madison, NJ 07940
Step-Up Money Market
3.00%
$5,000
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
177 Main St, Madison, NJ 07940
Step-Up Money Market Account
3.00%
$5,000
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Balance of $25,000 required to earn stated APY. Rates subject to change.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
2.75%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
2.50%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
1.75%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
1.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Money Market (Personal & Business)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
IRA Money Market Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Money Market (Personal & Business)
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
IRA Money Market Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Money Market (Personal & Business)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
IRA Money Market Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Money Market (Personal & Business)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
IRA Money Market Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
177 Main St, Madison, NJ 07940
Money Market Account
0.20%
$1,000
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
177 Main St, Madison, NJ 07940
Step-Up Money Market
0.20%
$5,000
▼
Rate0.20%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Money Market (Personal & Business)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
269 Main St, Madison, NJ 07940
Money Market IRA
0.15%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
256 Samson Rock Dr, Madison, CT 06443
Citizens Private Client® Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
IRA Money Market Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
269 Main St, Madison, NJ 07940
Opportunity Money Market Account
0.10%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedMay 4, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
269 Main St, Madison, NJ 07940
Money Market IRA
0.10%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedMay 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
269 Main St, Madison, NJ 07940
Money Market IRA
0.05%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedMay 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
0.05%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
269 Main St, Madison, NJ 07940
Opportunity Money Market Account
0.05%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
256 Samson Rock Dr, Madison, CT 06443
Citizens Quest® Money Market
0.03%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
256 Samson Rock Dr, Madison, CT 06443
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
269 Main St, Madison, NJ 07940
Money Market IRA
0.00%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedMay 4, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
269 Main St, Madison, NJ 07940
Opportunity Money Market Account
0.00%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedMay 4, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Money Market Account
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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
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—
UpdatedMay 6, 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—
UpdatedMay 6, 2026
Details
As High As; Qualifying balance up to $1,000.00
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
Blue Axis Edge®Money Market
3.70%
$100
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
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—
UpdatedMay 6, 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—
UpdatedMay 6, 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—
UpdatedMay 7, 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
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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 5, 2026
Details
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 5, 2026
Details
Apple Choice Banking Program
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.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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 12, 2026
Details
$15,000+
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—
UpdatedMay 6, 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—
UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 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—
UpdatedMay 6, 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—
UpdatedMay 6, 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
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.50%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply
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 5, 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
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 5, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
3.29%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 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—
UpdatedMay 6, 2026
Details
up to
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
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—
UpdatedMay 7, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.25%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply
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—
UpdatedMay 7, 2026
Details
MAXIMIZE YOUR MONEY MARKET EARNINGS WITH A RATE AS HIGH AS 3.15% APY*
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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 5, 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 5, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 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
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 5, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.00%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply
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 5, 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 12, 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—
UpdatedMay 6, 2026
Details
2 free withdrawals monthly***
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Ultra Money Market Account
3.00%
$50,000
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 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
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
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
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
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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 5, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Platinum Money Market Account
2.80%
$0
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 6, 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—
UpdatedMay 6, 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)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
IRA Money Markets-Traditional and Roth
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
2.75%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply
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
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
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
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 5, 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 12, 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 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—
UpdatedMay 6, 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 Madison, 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.
Madison, NJ Money Market Rate Trends
Compare local Madison, 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
3.376%
▲ 0.012 vs 7 days ago
New Jersey high-yield MMA rates rose 0.012 points over the past 7 days to 3.376% APY.
Standard MMA — NJ Avg
0.702%
▲ 0.006 vs 7 days ago
New Jersey standard MMA rates rose 0.006 points over the past 7 days to 0.702% APY.
As of May 13, 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, 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 Madison, New Jersey
Here are some of the highest money market account APYs currently available in Madison, New Jersey and the surrounding area:
- Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Haven Savings Bank
Step-Up Money Market — 3.00% APY - Kinecta Federal Credit Union
Signature Money Market — 3.00% APY - Unity Bank
Money Market IRA — 0.15% APY - Healthcare Employees Federal Credit Union
Money Market Account — 4.07% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Madison, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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