Best Money Market Rates in Mount Freedom, New Jersey - July 2026

Preferred

Balance: $2,500 - $49,999.99

For a deposit balance up to $49,999.99

Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.

Preferred rates; Must have a Citizens Private Client® Checking account; 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% with a 3.10% APY. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

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Balance of $50,000**

Tier Two

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

Special APY requires $50,000 minimum balance.

Annual Percentage Yield (APY) is effective as of July 11, 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.

Rates subject to change. Click for details.

Tiered rates.

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; Monthly Service Charge: $15.00

$500,000 and above

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

Tier 4: If your daily balance is $250,000.00 up to $499,999.99 you will earn an interest rate of 2.81% with a 2.85% APY. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

Tiered rates.

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

Projected Rates for February 2026. Rate is not guaranteed.

Tier 3: If your daily balance is $100,000.00 up to $249,999.99 you will earn an interest rate of 2.71% with a 2.75% APY. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

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% with 2.60% APY. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

Tiered rates.

Projected Rates for February 2026. Rate is not guaranteed.

$250,000

Projected Rates for February 2026. Rate is not guaranteed.

$100,000 - $249,999

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