Best Money Market Rates in New York - June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 New York money market deposit account rates include Carver Federal Savings BankCarver Federal Savings Bank75 W 125th St, New York, NY 10027C3.9 ★Texas Ratio: 28.07% Money Market Accounts at 4.25% APY, UFirst Federal Credit UnionUFirst Federal Credit Union274 Rugar St, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 4.05% High-Yield Money Market at 4.00% APY, Ridgewood Savings BankRidgewood Savings Bank7102 Forest Ave, Ridgewood, NY 11385A5.0 ★Texas Ratio: 7.75% Smart Move Money Market at 3.75% APY, The Upstate National BankThe Upstate National Bank729 Proctor Ave, Ogdensburg, NY 13669A+5.0 ★Texas Ratio: 0.00% Money Market Deposit Account at 3.70% APY, and Visions Federal Credit UnionVisions Federal Credit Union3301 Country Club Rd, Endwell, NY 13760 3401A+5.0 ★Texas Ratio: 4.19% Money Market Offer at 3.60% APY. Money market rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across New York side-by-side. New York money market rates currently reach as high as 4.25% APY from Carver Federal Savings Bank at 75 W 125th St, New York, NY 10027. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in New York and surrounding area. Last Updated and Verified: June 16, 2026
Compare the Best Money Market Rates Today in New York
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carver Federal Savings Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
Money Market Accounts
4.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 5, 2026
Details
No amount is too small to kick-start your savings journey when you're earning up to 4.25% APY.
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
274 Rugar St, Plattsburgh, NY 12901
High-Yield Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Earn up to 4.00% APY with tiered rates. Up to 3 withdrawals a month.
Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
Smart MoveMoney Market
3.75%
$0
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$125,000.00 - $250,000
Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
Smart Move Money Market
3.75%
$0
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000.00 - $74,999.99
The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
Money Market Deposit Account
3.70%
$100,000
▼
Rate3.64%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
3301 Country Club Rd, Endwell, NY 13760 3401
Money Market Offer
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Choice Money Market
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Preferred
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
SMART Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
Newtek Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate accurate as of the date shown and may change at any time without notice. Up to six (6) withdrawals or transfers per statement cycle are permitted.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Money Market Account
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New money only
Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
4 Bryant Park, New York, NY 10018
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special Offer; Apply online with just a few clicks and put your business on a better path.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
Money Market Special Intro rate
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$15,000+
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Founders Money Market for Business
3.50%
$0
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Select Money Market (IRA)
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New money only
Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
No minimum deposit required when you open a Business Money Market Account. A balance of $0.01 is required to earn interest.
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pioneer Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
Premier Money Market Deposit Account 6-Month Intro Rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: $25,000 minimum
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1001 North St, Endicott, NY 13760
Citizens Quest® Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Founders Money Market
3.50%
$0
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Business Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1001 North St, Endicott, NY 13760
Citizens Private Client® Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Premier Money Market
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
Platinum Money Market
3.35%
$10,000
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Personal, Business, Non-profit, Trusts, Estates
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Money Market
3.35%
$500
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY 14052 0018
Platinum Money Market Shares
3.30%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Premier Money Market
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
341 Englewood Ave, Buffalo, NY 14223 2819
Money Market
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Money Market rates shown reflect anticipated monthly dividends and may change based on market conditions. Savings, Money Market, IRA, and Club Accounts are variable rate accounts and rates may change after account opening.
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
High Value Business Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New money only. Daily balances at or below $24,999.99 earn an APY of 1.50%. This account has no check writing privileges.
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
SMART Money Market Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Premier Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
Premium High Yield Money Market
3.10%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Tier 5 rate. APY accurate as of 12/18/2025. Subject to change.
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
4720 Baker St, Lakewood, NY 14750 9772
Business & Public Funds Premium Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
4720 Baker St, Lakewood, NY 14750 9772
High Interest Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
Money Market
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Balance Tier: $1,000,000 and Over
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
10730 Enduring Freedom Dr, Fort Drum, NY 13602
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY for 6 months
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Choice Money Market
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
Premier Money Market Deposit Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: $250,000 and over
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
Platinum Money Market
3.00%
$10,000
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Personal, Business, Non-profit, Trusts, Estates
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
SMART Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Money Market
3.00%
$0
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500,000 and Over
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market
3.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market (Personal)
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
High Rate Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
Money Markets
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
As high as 3.00% APY*
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
4720 Baker St, Lakewood, NY 14750 9772
High Interest Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
4720 Baker St, Lakewood, NY 14750 9772
Business & Public Funds Premium Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
Municipal Money Market Deposit Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier: $1,000,000 and over
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
Municipal Money Market Deposit Account
2.86%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
Premium High Yield Money Market
2.85%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Tier 4 rate. APY accurate as of 12/18/2025. Subject to change.
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
Elite High Yield Personal Money Market
2.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Variable rate product. Subject to change after account opening.
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
Platinum Money Market
2.80%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.75%
$1,000,000
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedJun 16, 2026
Details
$1,000,000; Dividend Rate: 2.72%
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
High Rate Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
Money Markets
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market (Personal)
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market
2.75%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Balance Tier: $500,000 - $999,999.99
Rondout Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
300 Broadway, Kingston, NY 12401
Business Bundle Money Market Special
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
Premium High Yield Money Market
2.75%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Tier 3 rate. APY accurate as of 12/18/2025. Subject to change.
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
SMART Money Market Account
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sawyer Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
87 Market St, Saugerties, NY 12477
Preferred Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
3301 Country Club Rd, Endwell, NY 13760 3401
Business Money Market
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
Premium High Yield Money Market
2.60%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Tier 2 rate. APY accurate as of 12/18/2025. Subject to change.
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Treasury Bill Indexed Money Market
2.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
70% of the indexed rate
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
FirstWave Money Market
2.50%
$500,000
▼
Rate2.47%
Min Deposit$500,000
Min Balance—
UpdatedJun 16, 2026
Details
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.
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
High Rate Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Money Market
2.50%
$0
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$250,000 - $499,999.99
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.50%
$300,000
▼
Rate2.47%
Min Deposit$300,000
Min Balance—
UpdatedJun 16, 2026
Details
$300,000
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
100 High St, Buffalo, NY 14203 1126
Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.81%
24 Glen Ave, Cooperstown, NY 13326 1122
Money Market Savings
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance required to receive dividends. Call (607) 547-5700 for more information and to apply.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market
2.50%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Balance Tier: $250,000 - $499,999.99
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market (Personal)
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sawyer Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
87 Market St, Saugerties, NY 12477
Preferred Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
Platinum Money Market
2.50%
$10,000
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedJun 16, 2026
Details
Personal, Business, Non-profit, Trusts, Estates
Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
180 Schwenk Dr, Kingston, NY 12401
Non-Profit Select Money Market Account Tier VI
2.50%
$0
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tier VI
Inner Lakes Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.62%
19 21 E Main St, Westfield, NY 14787 1319
Money Market
2.48%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
As High As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
Money Market & Up
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$250,000
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
Money Markets
2.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.25%
$100,000
▼
Rate2.23%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
$100,000
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
28 Church St, Hoosick Falls, NY 12090
Money Market Share Accounts
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
Money Market
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Balance Tier: $100,000 to $249,999.99
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
Health Savings Account (HSA) Money Market
2.23%
$100,000
▼
Rate2.25%
Min Deposit$100,000
Min Balance—
UpdatedJun 11, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
Money Market Account
2.21%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
Money Market
2.18%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$100,000 - $249,999
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
Dulles State Office Building, WATERTOWN, NY 13601
Money Market Accounts
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
Money Market Tier 4
2.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
Money Markets
2.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
High Rate Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.27%
2525 Military Rd, Niagara Falls, NY 14304
Money Markets (Existing pre-merge Only)
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
Health Savings Account (HSA) Money Market
1.98%
$50,000
▼
Rate2.00%
Min Deposit$50,000
Min Balance—
UpdatedJun 11, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
Money Market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Balance Tier: $50,000 to $99,999.99
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
Money Market Tier 3
1.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
Dulles State Office Building, WATERTOWN, NY 13601
Money Market Accounts
1.90%
$0
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY 13413 6207
Business Money Market
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY 13413 6207
Money Market
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 New York 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.
New York Money Market Rate Trends
Compare local New York 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 — NY Avg
3.284%
▲ 0.020 vs 7 days ago
New York high-yield MMA rates rose 0.020 points over the past 7 days to 3.284% APY.
Standard MMA — NY Avg
0.542%
▼ 0.028 vs 7 days ago
New York standard MMA rates fell 0.028 points over the past 7 days to 0.542% APY.
As of Jun 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York 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 New York 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 New York. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in NY.
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 New York
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 York.
Are Money Market accounts in New York 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 York up to $250,000 per depositor, per institution.
How often do MMA rates change in New York?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New York 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 New York?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in New York 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 New York
Here are some of the highest money market account APYs currently available in New York:
- Carver Federal Savings Bank
Money Market Accounts — 4.25% APY - UFirst Federal Credit Union
High-Yield Money Market — 4.00% APY - Ridgewood Savings Bank
Smart Move Money Market — 3.75% APY - The Upstate National Bank
Money Market Deposit Account — 3.70% APY - Visions Federal Credit Union
Money Market Offer — 3.60% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: June 16, 2026
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