South Toms River, New Jersey Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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South Toms River, New Jersey money market account rates from banks and credit unions serving New Jersey range from 2.50% to 4.25% APY, verified by MonitorBankRates as of October 12, 2026. Current South Toms River, New Jersey and the surrounding area money market deposit account rates include Five Rivers BankFive Rivers BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.45%APY minus 2.8% CPI (February 2026) Money Market Account at 4.25% APY, Parke BankParke BankA+5.0 ★Texas Ratio: 3.40%Real return: +0.95%APY minus 2.8% CPI (February 2026) Parke Select Money Market at 3.75% APY, First Atlantic Federal Credit UnionFirst Atlantic Federal Credit UnionA+5.0 ★Texas Ratio: 3.26%Real return: +0.95%APY minus 2.8% CPI (February 2026) Magnum Money Market (New Money Only) at 3.75% APY, Franklin BankFranklin BankA+5.0 ★Texas Ratio: 1.02%Real return: +0.76%APY minus 2.8% CPI (February 2026) Premier Business Money Market at 3.56% APY, and Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit UnionA+5.0 ★Texas Ratio: 2.73%Real return: +0.76%APY minus 2.8% CPI (February 2026) Money Market Account at 3.56% APY. Money market rates as of October 12, 2026 according to verified data from MonitorBankRates.
South Toms River 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 South Toms River residents, with money market rates as high as 4.25% APY from Five Rivers Bank. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in South Toms River, New Jersey and surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Money Market Rates Today in South Toms River, New Jersey & the Surrounding Area
The APY is variable and may change at any time after the account is opened without prior notice. A $15 monthly maintenance fee will be assessed if the daily balance falls below $5,000 on any day during the statement cycle.
Balance: $50,000 or higher; $7.00 monthly if below $1,000
Balance: $50,000 or greater
Balance: $100,000 or more
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $500,000-$999,999.99
Balance: $1,000.01 to $5,000.00
Balance: $2,500 - $49,999.99; Preferred Rate; Apple Choice Banking Program
Preferred rates; New money is required to qualify for preferred rates.
Preferred rates; New money required to qualify for preferred rates.
Balance: $0.01 - $49,999.99; $7.00 monthly if below $1,000
Balance: $0.00 - $49,999.99
Balance: $1,000,000.00 and over; $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
Balance: $25,000 - $49,999.99
Balance: $25,000 - $49,999.99
Balance: $25,000 - $49,999.99
Balance: $300,000 +
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $500,000.00 - or more
Balance: $250,000.00 - $499,999.99
Balance: $150,000.00 - $249,999.99
Balances from $30,000 - $250,000 earn 3.30% Annual Percentage Yield (APY); $5,000 - $29,999.99 earns 0.30% APY; under $5,000 earns no interest. $250,000 maximum. Exclusive to NJ residents.
Balance: $100,000.00 - $149,999.99
Balance: $500,000 and up
Balance: $250,000+
New money only. Daily balances at or below $24,999.99 earn an APY of 1.50%.
Balance: $5,000,000.00 or more
Balance: $2,000,000 & Over
Balance: $500,000.00 - $999,999.99; $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
Balance: Above $250,000.01
Balance: $200,000 - $299,999; Deposit or withdraw as needed. No monthly service fee
Balance: $50,000.00 - $99,999.99
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Balance: $50,000 and over; 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.
- Oct 5, 20263.15%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $50,000 - $249,999.99
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. APY is accurate as of 12/18/2025. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. Fees may reduce earnings.
Balance: $1,000,000+
Balance: $1,000,000+
Balance: $2,500 - $49,999.99
Preferred Rate: 3.48%; Preferred APY: 3.55%
Annual Percentage Yield (APY) is effective as of October 6, 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.
Balance: $50,000**
Balance: $100,000.00 or more
Balance: $50,000.00 and over; Tier Two
Balance: $250,000.00 - $499,999.99; $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
Balance: $25,000 and up
Balance: $100,000.01 to $250,000.00
INTEREST COMPOUNDED / CREDITED: Monthly/Monthly
Balance: $1,000 - $99,999.99
Balance: $2500 Minimum Deposit; Only available for new money, or funds not on deposit with 1166 FCU in the last 30 days
- Oct 4, 20263.00%▲ from 2.75%
- Sep 25, 20262.75%first recorded
Balance: $100,000 - $199,999; Deposit or withdraw as needed. No monthly service fee
Balance: $1,000,000 and up
Balance: $1,000,000 and up
Balance: $10,000 - Greater
$500,000 and above; Balance: $500,000 and above
APY = Annual Percentage Yield. Our Elite High Yield Personal Money Market account is a variable rate product. The Annual Percentage Yield (APY) is effective as of 10/30/2025 and is subject to change at any time, after account opening. Minimum balance required to open and earn APY is $5,000.00.
Balance: $250,000.00 - $499,999.99; 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. APY is accurate as of 12/18/2025. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. Fees may reduce earnings.
Balance: $1,000,000 +; Interest Compounded / Credited: Monthly/Monthly
Balance: $500,000 - $999,999.99
Balance: $500,000 - $999,999.99
Balance Tiers: $0 - $9,999.99 | 0.05% APY; $10,000 - $99,999.99 | 2.60% APY; $100,000 + | 2.80% APY
Balance: $75,000 or more
Balance: $100,000-$499,999.99
Balance: $50,000 and Up
Balance: $100,000.00 - $249,999.99; 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. APY is accurate as of 12/18/2025. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. Fees may reduce earnings.
Balance: 1,000,000 - 1,999,999.99; Balance: $1,000,000 - $1,999,999.99
Balance: $100,000.00 - $249,999.99; $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
Balance: $500,000 - $999,999
Qualifications Required: 0.50% bonus APY on a personal money market account; 0.50% Bonus Annual Percentage Yield (APY) on Personal Money Market (MMKT) promotion available with opening of Classic Checking account for new to Bank funds only. MMKT is a tiered account with a variable interest rate; $500.00 minimum deposit to open the account and earn; $1,000.00 average daily balance for the month to avoid a $10.00 monthly service charge. With bonus, balances $0-$24,999.99 earn 1.50% APY; $25,000.00-$49,999.99 earn 2.00% APY; $50,000.00-$149,999.99 earn 2.50% APY; $150,000.00 or more earn 2.75% APY. APYs are accurate as of 8/19/2026 and subject to change without notice. Fees may reduce earnings. Classic Checking requires a $50.00 minimum deposit to open and a $250.00 average daily balance for the month to avoid the $10.00 monthly service charge. Offer limited to one promotion per customer.
Balance: $10,000 - $24,999.99
Balance: $10,000 - $24,999.99
Balance: $50,000 - $99,999; Deposit or withdraw as needed. No monthly service fee
Balance Range: $250,000,000 and over; Rate is not guaranteed
Balance: $500,000-999,999
Balance: $500,000-999,999
Balance: $100,000 or more
- Oct 3, 20262.73%▲ from 2.61%
- Sep 14, 20262.61%first recorded
Balance: $1,000,000 & Over
Balance: $25,000.00 - $99,999.99; 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. APY is accurate as of 12/18/2025. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. Fees may reduce earnings.
Balance Tiers: $0 - $9,999.99 | 0.05% APY; $10,000 - $99,999.99 | 2.60% APY; $100,000 + | 2.80% APY
Balance: $50,000 or more
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $25,000 +
Balance: $100,000.00 & Greater
Balance: $25,000 - $49,999
Balance: $50,000.01 to $100,000.00
Balance: $1,000,000.00 - $4,999,999.99
Balance: $500,000 - $999,999.99
Balance: $500,000.01 and over; $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply
Balance: $10,000 - $24,999.99
Balance Range: $100,000 - $249,999.99; Rate is not guaranteed
Balance: $250,000-499,999
Balance: $250,000-499,999
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.
South Toms River, NJ Money Market Rate Trends
Compare local South Toms River, 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.
New Jersey high-yield MMA rates fell 0.005 points over the past 7 days to 3.045% APY.
New Jersey standard MMA rates fell 0.035 points over the past 7 days to 0.498% APY.
South Toms River, New Jersey Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current NJ 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 NJ high-yield money market average of 3.045% 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 South Toms River, New Jersey.
Money Market Account Earnings in South Toms River, New Jersey
Annual interest earnings at current NJ 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 (3.045% APY) | Monthly Earnings | Standard MMA (0.498% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $304.52 / year | $25.38 | $49.77 / year | $4.15 |
| $25,000 | $761.30 / year | $63.44 | $124.43 / year | $10.37 |
| $50,000 | $1,522.60 / year | $126.88 | $248.85 / year | $20.74 |
| $100,000 | $3,045.20 / year | $253.77 | $497.70 / year | $41.48 |
| 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: South Toms River, New Jersey money market rate averages as of October 12, 2026. | ||||
Available in South Toms River, New Jersey Area
About Our South Toms River, New Jersey Money Market Rate Database
MonitorBankRates tracks money market rate offers from 54 banks and credit unions available to South Toms River, New Jersey residents via statewide and national offers. No branch locations physically in South Toms River are currently in our database, but all listed offers are open to South Toms River depositors. 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: Five Rivers Bank offers a money market account at 4.25% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in South Toms River, New Jersey.
How to Find the Best Money Market Rates in South Toms River, New Jersey
What to compare when shopping for a money market account in South Toms River, New Jersey
To find the best money market APYs in South Toms River, New Jersey, start with credit unions and online-only banks: South Toms River, New Jersey has 26 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 NJ high-yield money market average is 3.045% but top local institutions are offering as high as 4.25%, 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. South Toms River, New Jersey high-yield money market rates currently average 3.045% 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 South Toms River, New Jersey institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 54 institutions in South Toms River, New Jersey report money market rates to our database.
- 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 South Toms River, New Jersey CD rates
- You don’t need check writing and want a lower minimum South Toms River, New Jersey savings rates
- You need daily transaction access South Toms River, New Jersey checking rates
South Toms River, New Jersey Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
7.8% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 8.0% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s NJ high-yield money market average of 3.045%, saving 10% of the local median salary ($4,221/year) would earn an additional $129 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other South Toms River, New Jersey Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in South Toms River, New Jersey.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current NJ Avg APY | 3.045% | View Savings Rates | 0.498%(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 South Toms River, New Jersey averages tracked in our database as of October 12, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
South Toms River, New Jersey 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 South Toms River, New Jersey 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 South Toms River, New Jersey
At NJ’s top money market rate of 4.25% from Five Rivers Bank, a $10,000 deposit earns $425 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median South Toms River, New Jersey earner is roughly $10,600. At 3.045% APY in a money market account, saving $880/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountNew Jersey’s high-yield money market average is 3.045% 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 South Toms River, New Jersey earner makes $42,213/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.045% APY.
Retirement PlannerA $25,000 money market balance earning 3.045% APY grows to roughly $45,551 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 South Toms River, New Jersey 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 South Toms River, 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 South Toms River, 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 South Toms River, New Jersey
What is a Money Market Account (MMA)?
Are Money Market accounts in South Toms River, New Jersey safe?
How often do MMA rates change in South Toms River, New Jersey?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in South Toms River, New Jersey?
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 South Toms River, New Jersey for money market accounts?
Best Money Market Rates in South Toms River, New Jersey
- Five Rivers Bank
Money Market Account: 4.25% APY - Parke Bank
Parke Select Money Market: 3.75% APY - First Atlantic Federal Credit Union
Magnum Money Market (New Money Only): 3.75% APY - Franklin Bank
Premier Business Money Market: 3.56% APY - Healthcare Employees Federal Credit Union
Money Market Account: 3.56% APY
South Toms River, New Jersey Rates & Resources
