Best Money Market Rates in Albany, New York (NY) - March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Albany, New York and the surrounding area money market rates include Carver Federal Savings BankCarver Federal Savings Bank75 W 125th St, New York, NY 10027C3.9 ★Texas Ratio: 28.07% Money Market Accounts & High Yield Savings at 4.25% APY, UFirst Federal Credit UnionUFirst Federal Credit Union274 Rugar St, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 4.10% High Yield Money Market Account at 4.00% APY, EverBankEverBank1377 Motor Pkwy, Islandia, NY 11749B4.5 ★Texas Ratio: 20.65% Performance® Money Market at 3.80% APY, Citizens BankCitizens Bank1516 Western Ave, Albany, NY 12203A5.0 ★Texas Ratio: 8.28% Citizens Quest® Money Market at 3.75% APY, and Ridgewood Savings BankRidgewood Savings Bank7102 Forest Ave, Ridgewood, NY 11385A5.0 ★Texas Ratio: 7.75% Smart Move Money Market at 3.75% APY. Money market rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these money market rates in Albany, New York and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Albany, New York (NY) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Albany, New York and surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Money Market Rates Today in Albany, New York & 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%
1516 Western Ave, Albany, NY 12203
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1516 Western Ave, Albany, NY 12203
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Signature Money Market
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Business Money Market
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000,000 and Over
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Signature Money Market
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
80 Wolf Rd, Albany, NY 12205
Accelerate Money Market
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Business Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$500,000 to $999,999.99
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Signature Money Market
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$250,000 to $499,999.99
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Signature Money Market
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
80 Wolf Rd, Albany, NY 12205
Accelerate Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Business Money Market
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$100,000 to $249,999.99
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts Fifth Tier
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Business Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts Fourth Tier
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Business Money Market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$50,000 to $99,999.99
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Business Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
80 Wolf Rd, Albany, NY 12205
Accelerate Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Business Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Business Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts Third Tier
1.50%
$0
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Business Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$25,000 to $49,999.99
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
1.48%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $4,999,999.99
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
80 Wolf Rd, Albany, NY 12205
Accelerate Money Market
1.46%
$0
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
1.25%
$500
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Business Money Market
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Money Market
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
1.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Business Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
1.00%
$500
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
0.75%
$500
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Business Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts Fifth Tier
0.50%
$0
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
0.50%
$500
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts Fourth Tier
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Premium Money Market
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market Premium
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market Premium
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Premium Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts Third Tier
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
0.20%
$500
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
0.20%
$500
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts Second Tier
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts Second Tier
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts First Tier
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts First Tier
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Carver Federal Savings Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
Money Market Accounts & High Yield Savings
4.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
High Yield Money Market Account
4.00%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Performance® Money Market
3.80%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
Smart Move Money Market
3.75%
$10,000
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
$10,000.00 - $74,999.99
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Money Market (IRA)
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
New money only
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Money Market
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
New money only
Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
Smart Move Money Market Account†
3.75%
$10,000
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
$10,000.00 - $74,999.99
NexTier Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
390 E Henrietta Rd, Rochester, NY 14620
Welcome Money Market Promo
3.75%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
New York Special Offers; Only available at our Rochester and Williamsville, New York locations.
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%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Treasury Bill Indexed Money Market Account
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Choice Money Market Preferred
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Apple Choice Money Market Account Preferred Rate
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Apple Choice Banking Program
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Money Market
3.50%
$500
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
4 Bryant Park, New York, NY 10018
Simply Commercial Money Market Account
3.50%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedMar 28, 2026
Details
New customers only; Minimum average monthly balance of $1,000 to avoid a monthly service fee of $25.00. Maximum six debit transactions per monthly statement cycle by check, debit card, online banking or electronic transfer or payment to a third party.
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—
UpdatedMar 16, 2026
Details
Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
4 Bryant Park, New York, NY 10018
Simply Consumer Money Market Account
3.50%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedMar 28, 2026
Details
New customers only; Minimum average monthly balance of $1,000 to avoid a monthly service fee of $25.00. Maximum six debit transactions per monthly statement cycle by check, debit card, online banking or electronic transfer or payment to a third party.
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—
UpdatedMar 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—
UpdatedMar 26, 2026
Details
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—
UpdatedMar 28, 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—
UpdatedMar 28, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
Business Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$15,000+
Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
3.45%
$0
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Business Premier Money Market1
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Premier Money Market
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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 Albany, 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.
Albany, NY Money Market Rate Trends
Compare local Albany, NY MMA rate quotes against the statewide average
Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — NY Avg
1.346%
▼ 0.629 from last week
New York high-yield MMA rates fell 0.629 points this week to 1.346% APY, down from 1.975% last week.
Standard MMA — NY Avg
1.254%
▲ 0.380 from last week
New York standard MMA rates rose 0.380 points this week to 1.254% APY, up from 0.874% last week.
As of Mar 31, 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 account rates for Albany, 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 Albany, 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 Albany, New York
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings 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 Albany, 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 Albany, 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.
Best Money Market Rates in Albany, New York
Here are some of the highest money market account APYs currently available in Albany, New York and the surrounding area:
- Carver Federal Savings Bank
Money Market Accounts & High Yield Savings — 4.25% APY - UFirst Federal Credit Union
High Yield Money Market Account — 4.00% APY - EverBank
Performance® Money Market — 3.80% APY - Citizens Bank
Citizens Quest® Money Market — 3.75% APY - Ridgewood Savings Bank
Smart Move Money Market — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Albany, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
