Best Money Market Rates in Adams, New York - July 2026

All Together ForwardTM

Tier: $25,000 minimum

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

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

No service charges or monthly fees. No minimum deposit required.

Balance range: $250,000-$1,000,000

Minimum Average Daily Balance to Earn APY: $500 to $999,999.99

Personal, Business, Non-profit, Trusts, Estates

Balance range: $1,000,001-$1,500,000

Savings, Money Market, IRA, and Club Accounts are variable rate accounts and rates may change after account opening. Dividends on Savings, Money Market, IRA, and Club Accounts are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends, and dividends will not be paid if the account is closed prior to month-end. Money Market and IRA rates shown reflect anticipated monthly dividends and may change based on market conditions.

Minimum Balance to Earn Dividend: $200,000 and over

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

Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00

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

Annual Percentage Yield (APY). FDIC-insured up to the maximum allowed by law.

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Premium Rate

Minimum Balance to Open: $500

Tiered rates.

Balance requirement of $50,000**

Personal, Business, Non-profit, Trusts, Estates

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

Tiered rates.

$1,000,000

Premium Rate

The service is only available to business customers and may not be used for personal, family, or household purposes

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

Tier: $250,000 and over

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

Premium Rate

Personal, Business, Non-profit, Trusts, Estates

$500,000 or higher

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.

$300,000

Tiered rates.

Minimum Balance to Earn Dividend: $50,000 - $99,999.99

As High As

$250,000

$100,000

$100,000 - $249,999

Premium Rate

Balance: $500,000 - $999,999.99

Tiered rates.

Up to $99,999