Best Money Market Rates in New Hartford, New York - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current New Hartford, New York and the surrounding area money market deposit account rates include GPO Federal Credit UnionGPO Federal Credit Union4311 Middle Settlement Rd, New Hartford, NY 13413A+5.0 ★Texas Ratio: 1.97% Money Market Share at 1.60% APY, UGEFCUUGEFCU215 Old Campion Rd, New Hartford, NY 13413 4953A+5.0 ★Texas Ratio: 5.36% Money Market at 1.40% APY, Adirondack BankAdirondack Bank4697 Commercial Dr, New Hartford, NY 13413A5.0 ★Texas Ratio: 10.45% Money Market IRA+ Tier 1 at 0.10% APY, UFirst Federal Credit UnionUFirst Federal Credit UnionA+5.0 ★Texas Ratio: 4.05% High Yield Money Market Account at 4.00% APY, and Piermont BankPiermont BankA+5.0 ★Texas Ratio: 5.99% High-Yield MMA at 3.75% APY. Money market rates as of July 25, 2026 according to verified data from MonitorBankRates.
New Hartford has 3 local institutions in our database, with money market rates as high as 1.60% APY from GPO Federal Credit Union at 4311 Middle Settlement Rd, New Hartford, NY 13413. Use the table below to compare all available offers, including options from institutions serving the broader New York area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in New Hartford, New York and surrounding area. Last Updated and Verified: July 25, 2026
Compare the Best Money Market Rates Today in New Hartford, New York & the Surrounding Area
Tier 5; Balance: $5,000,000 +
Tier 3; Balance: $250,000 - $1,999,999.99
Tier 1; Balance: $0.00 - $99,999.99
Tiered rates; No minimum balance required; Up to 3 withdrawals a month.
As Low As
Earn Up to 3.75% APY* on Your Business Money Market Account. Apply online with just a few clicks and put your business on a better path.
SPECIAL OFFER; Earn Up to 3.75% APY* on Your Business Money Market Account
National Average 0.08 APY
Money market rate that's over 5x the national average. No service charges or monthly fees.
New money only
New money only
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.
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
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% with a 3.10% APY. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.
Special APY requires $50,000 minimum balance.
Standard Rate: 1.00%, Standard APY: 1.00%
As high as
Minimum Balance to Earn Dividend: $150,000 - $199,999.99
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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.
With our Business Bundle Money Market Sweep Service allows you to make the most of your balances. Call to learn more (845) 331-0073
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.
Standard Rate: 0.90%, Standard APY: 0.90%
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.
Rate: 70% of the indexed rate
Minimum balance required to receive dividends. Call (607) 547-5700 for more information and to apply.
$300,000
Standard Rate: 0.80%, Standard APY: 0.80%
Minimum Balance to Earn Dividend: $50,000 - $99,999.99
As High As
$250,000
$100,000
$100,000 - $249,999
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.
New Hartford, NY Money Market Rate Trends
Compare local New Hartford, NY 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 York high-yield MMA rates currently average 3.259% APY.
New York standard MMA rates currently average 0.463% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Hartford, 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 Hartford, 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 Hartford, 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 Hartford, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in New Hartford, New York safe?
How often do MMA rates change in New Hartford, New York?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in New Hartford, New York?
Best Money Market Rates in New Hartford, New York
- GPO Federal Credit Union
Money Market Share — 1.60% APY - UGEFCU
Money Market — 1.40% APY - Adirondack Bank
Money Market IRA+ Tier 1 — 0.10% APY - UFirst Federal Credit Union
High Yield Money Market Account — 4.00% APY - Piermont Bank
High-Yield MMA — 3.75% APY
New Hartford, New York Rates & Resources
