MonitorBankRates
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Best Money Market Rates in New York, New York - June 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| i Editorial Disclosure
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.
| ✓Fact Checked | Last Updated: June 1, 2026

Current New York, New York and the surrounding area 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 & High Yield Savings at 4.25% APY, Citizens BankCitizens Bank250 W 57th St, New York, NY 10107A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Ridgewood Savings BankRidgewood Savings Bank1646 1st Ave, New York, NY 10028A5.0 ★Texas Ratio: 7.75% Smart Move Money Market at 3.75% APY, Apple Bank for SavingsApple Bank for Savings10 Downing St, New York, NY 10014A+5.0 ★Texas Ratio: 1.54% Apple Choice Money Market Account Preferred Rate at 3.55% APY, and New Millennium BankNew Millennium Bank312 5th Ave, New York, NY 10001A+5.0 ★Texas Ratio: 3.04% SMART Money Market Account at 3.50% APY. Money market rates as of June 1, 2026 according to verified data from MonitorBankRates.

New York has 23 local institutions in our database, with money market rates as high as 4.25% APY from Carver Federal Savings Bank at 75 W 125th St, New York, NY 10027. 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 York, New York and surrounding area. Last Updated and Verified: June 1, 2026

Compare the Best Money Market Rates Today in New York, New York & the Surrounding Area

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 & High Yield Savings
4.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
250 W 57th St, New York, NY 10107
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $1,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
250 W 57th St, New York, NY 10107
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Qualifying balance up to $1,000.00

Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
1646 1st Ave, New York, NY 10028
Smart Move Money Market
3.75%
$10,000
View
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

$10,000.00 - $74,999.99

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Apple Choice Money Market Account Preferred Rate
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Apple Choice Banking Program

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Choice Money Market
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Preferred Rate

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Treasury Bill Indexed Money Market Account
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
SMART Money Market Account
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

$1,000,000.00 and over

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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details

Spring Bank Bronx, NY
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
Money Market
3.35%
$500
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

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

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
High Value Business Money Market
3.25%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

New money only.

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
SMART Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

$500,000.00 - $999,999.99

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
View
▼
Rate3.06%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Apple Choice Money Market Account
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Choice Money Market
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Standard Rate

The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
Premier Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
SMART Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

$250,000.00 - $499,999.99

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
View
▼
Rate2.81%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

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%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details

Generations United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
Business Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

As High As

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
SMART Money Market Account
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

$100,000.00 - $249,999.99

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
View
▼
Rate2.71%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 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
View
▼
Rate2.56%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Treasury Bill Indexed Money Market
2.53%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

which is 70% of the indexed rate

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Treasury Bill Indexed Money Market Account
2.53%
$0
View
▼
Rate2.49%
Min Deposit$0
Min Balance—
UpdatedMay 29, 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
View
▼
Rate2.47%
Min Deposit$500,000
Min Balance—
UpdatedMay 21, 2026
Details

New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

$500,000.01 and over

OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
FirstWave Money Market
2.25%
$250,000
View
▼
Rate2.23%
Min Deposit$250,000
Min Balance—
UpdatedMay 21, 2026
Details

New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.; Qualifying balance up to $499,999.99

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

$250,000.01 - $500,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Treasury Bill Indexed Money Market
2.16%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

which is 60% of the indexed rate

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Treasury Bill Indexed Money Market Account
2.16%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
551 Madison Ave, New York, NY 10022
Connect Money Market
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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
2.00%
$100,000
View
▼
Rate1.98%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details

New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.; Qualifying balance up to $249,999.99

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

$100,000.00 - $250,000.00

ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
551 Madison Ave, New York, NY 10022
Connect Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Treasury Bill Indexed Money Market
1.80%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

which is 50% of the indexed rate

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Treasury Bill Indexed Money Market Account
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Money Market Account
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

$1,000.00 - $99,999.99

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Money Market
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
Apple Advantage Money Market Account
1.50%
$10,000
View
▼
Rate1.48%
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
High Yield Business Money Market
1.50%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
Money Market
1.30%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

The Berkshire Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
4 E 39th St, New York, NY 10016
Gold Money Market Account
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 28, 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
1.25%
$10,000
View
▼
Rate1.24%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details

New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.; Qualifying balance up to $99,999.99

ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
551 Madison Ave, New York, NY 10022
Business Impact Money Market
1.09%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Money Market
1.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
551 Madison Ave, New York, NY 10022
Business Impact Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
Business Money Market Account - Tier 6
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
FourLeaf Money Market Account Tier 6
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
IRA Money Market Tier 6
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
551 Madison Ave, New York, NY 10022
Business Impact Money Market
0.90%
$0
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Money Market
0.90%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
Money Market Tier 4
0.90%
$0
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
Money Market
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
TotalView Money Market Savings
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
Money Market Tier 3
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
Money Market Tier 2
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Money Market
0.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
TotalView Money Market Savings
0.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
Money Market Tier 1
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Money Market
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

The Berkshire Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
4 E 39th St, New York, NY 10016
Gold Money Market Account
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
TotalView Money Market Savings
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
Money Market
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
Business Money Market Account - Tier 5
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
FourLeaf Money Market Account Tier 5
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
IRA Money Market Tier 5
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
1646 1st Ave, New York, NY 10028
PowerFlex Money Market
0.35%
$1,000
View
▼
Rate0.34%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
Money Market
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
Princeton Money Market
0.30%
$5,000
View
▼
Rate0.30%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details

New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
Money Market
0.25%
$1,000
View
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
FourLeaf Money Market Account Tier 4
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
IRA Money Market Tier 4
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
Business Money Market Account - Tier 4
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
Business Money Market Account - Tier 3
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
FourLeaf Money Market Account Tier 3
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
IRA Money Market Tier 3
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
FourLeaf Money Market Account Tier 2
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
FourLeaf Money Market Account Tier 1
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
Business Money Market Account - Tier 2
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
IRA Money Market Tier 1
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
Business Money Market Account - Tier 1
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Accounts below the minimum balance are subject to a $5.00 per month maintenance fee. Dividends are compounded daily and credited monthly. There is a limit of 6 withdrawals drawn against the Money Market account each month. Minimum withdrawal is $500.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
IRA Money Market Tier 2
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
High-Yield Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
High Yield Money Market Account
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Business Money Market
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Money Market Offer: Earn up to 3.60% APY!* For six months when you become a new member and open a Flex Money Market or Business Money Market account!

Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Flex Money Market
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Money Market Offer: Earn up to 3.60% APY!* For six months when you become a new member and open a Flex Money Market or Business Money Market account!

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

$15,000+

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Money Market (IRA)
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

New money only

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

New money only

SJP Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Money Market Account
3.25%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details

Unrestricted Savings Account - Interest Compounded Monthly

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, 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.

New York, NY Money Market Rate Trends

Compare local New York, 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.

View Full New York MMA Trends →
High-Yield MMA — NY Avg
3.328%
▲ 0.019 vs 7 days ago

New York high-yield MMA rates rose 0.019 points over the past 7 days to 3.328% APY.

Standard MMA — NY Avg
0.643%
▲ 0.002 vs 7 days ago

New York standard MMA rates rose 0.002 points over the past 7 days to 0.643% APY.

As of Jun 3, 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, 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, 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, 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, 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, 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, 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, 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, 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, New York

Here are some of the highest money market account APYs currently available in New York, New York and the surrounding area:
  • Carver Federal Savings Bank
    Money Market Accounts & High Yield Savings — 4.25% APY
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
  • Ridgewood Savings Bank
    Smart Move Money Market — 3.75% APY
  • Apple Bank for Savings
    Apple Choice Money Market Account Preferred Rate — 3.55% APY
  • New Millennium Bank
    SMART Money Market Account — 3.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New York, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: June 1, 2026

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