Best Money Market Rates in Niagara Falls, New York - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Niagara Falls, New York and the surrounding area money market deposit account rates include Citizens BankCitizens Bank8298 Niagara Falls Blvd, Niagara Falls, NY 14304A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Encompass Niagara Federal Credit UnionEncompass Niagara Federal Credit Union2525 Military Rd, Niagara Falls, NY 14304A5.0 ★Texas Ratio: 10.27% Money Markets (Existing pre-merge Only) at 2.00% APY, Carver Federal Savings BankCarver Federal Savings BankC3.9 ★Texas Ratio: 28.07% Money Market Accounts & High Yield Savings at 4.25% APY, UFirst Federal Credit UnionUFirst Federal Credit UnionA+5.0 ★Texas Ratio: 4.05% High Yield Money Market Account at 4.00% APY, and Ridgewood Savings BankRidgewood Savings BankA5.0 ★Texas Ratio: 7.75% Smart Move Money Market at 3.75% APY. Money market rates as of May 30, 2026 according to verified data from MonitorBankRates.
Niagara Falls has 2 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 8298 Niagara Falls Blvd, Niagara Falls, NY 14304. 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 Niagara Falls, New York and surrounding area. Last Updated and Verified: May 30, 2026
Compare the Best Money Market Rates Today in Niagara Falls, 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%
8298 Niagara Falls Blvd, Niagara Falls, NY 14304
Citizens Private Client® Money Market
3.75%
$0
▼
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%
8298 Niagara Falls Blvd, Niagara Falls, NY 14304
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $1,000.00
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—
UpdatedMay 23, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
8298 Niagara Falls Blvd, Niagara Falls, NY 14304
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.07%
Money Market Accounts & High Yield Savings
4.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
High-Yield Money Market
4.00%
$0
▼
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
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
Smart Move Money Market
3.75%
$10,000
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
$10,000.00 - $74,999.99
The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Deposit Account and over
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$1,000,000
The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Deposit Account
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$100,000 - $249,999.99
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Flex Money Market
3.60%
$0
▼
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%
Business Money Market
3.60%
$0
▼
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!
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Choice Money Market
3.55%
$0
▼
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%
Apple Choice Money Market Account Preferred Rate
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Apple Choice Banking Program
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Founders Money Market for Business
3.50%
$0
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
New money only
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$15,000+
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000,000.00 and over
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
Pioneer Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Qualifying balance up to $1,000.00
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Founders Money Market
3.50%
$0
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Money Market (IRA)
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
New money only
Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Premier Money Market Deposit Account 6-Month Intro Rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Money Market Account
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
3.35%
$10,000
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
Platinum Money Market Shares
3.30%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 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%
Premier Money Market
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
Money Market
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$500,000.00 - $999,999.99
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Signature Money Market
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Money Market Accounts
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Money Market Account
3.25%
$1,500
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
Unrestricted Savings Account - Interest Compounded Monthly
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
High Value Business Money Market
3.25%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
New money only.
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market
3.10%
$25,000
▼
Rate3.06%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
Business & Public Funds Premium Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
High Interest Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market 6 months
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Money Market Account
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
Money Market
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Choice Money Market
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Standard Rate
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$250,000.00 - $499,999.99
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
3.00%
$10,000
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Premier Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Premier Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Signature Money Market
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Money Market Accounts
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
As high as as
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
High Rate Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market
3.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Premier Money Market Deposit Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
Business & Public Funds Premium Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
High Interest Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Municipal Money Market Deposit Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market
2.85%
$25,000
▼
Rate2.81%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Elite High Yield Personal Money Market
2.85%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
Money Market
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000,000.01 + Average Daily Bal. Compound Monthly
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Money Market
2.75%
$1,000,000
▼
Rate2.72%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 22, 2026
Details
$1,000,000
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Money Market Accounts
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market (Personal)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
Money Markets
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Business Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
As High As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
High Rate Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Signature Money Market
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$100,000.00 - $249,999.99
Sawyer Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
Preferred Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rondout Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
Business Bundle Money Market Special
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market
2.75%
$25,000
▼
Rate2.71%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market
2.75%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Business Money Market
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market
2.60%
$25,000
▼
Rate2.56%
Min Deposit$25,000
Min Balance—
UpdatedMay 21, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Money Market Account
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market
2.53%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
which is 70% of the indexed rate
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Money Market
2.50%
$300,000
▼
Rate2.47%
Min Deposit$300,000
Min Balance—
UpdatedMay 22, 2026
Details
$300,000
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Signature Money Market
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
Money Market Accounts
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
High Rate Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Money Market Account
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market (Personal)
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market
2.50%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Inner Lakes Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.62%
Money Market
2.48%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
As High as
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Money Market & Up
2.43%
$250,000
▼
Rate2.40%
Min Deposit$250,000
Min Balance—
UpdatedMay 22, 2026
Details
$250,000
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
Money Markets
2.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Money Market
2.25%
$100,000
▼
Rate2.23%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Business Tiered Money Market Accounts Fifth Tier
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Money Market Share Accounts
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 30, 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 Niagara Falls, 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.
Niagara Falls, NY Money Market Rate Trends
Compare local Niagara Falls, 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.
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 May 30, 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 Niagara Falls, 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 Niagara Falls, 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 Niagara Falls, 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 Niagara Falls, 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 Niagara Falls, 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 Niagara Falls, 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 Niagara Falls, 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 Niagara Falls, 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 Niagara Falls, New York
Here are some of the highest money market account APYs currently available in Niagara Falls, New York and the surrounding area:
- Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Encompass Niagara Federal Credit Union
Money Markets (Existing pre-merge Only) — 2.00% APY - 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 - 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 Niagara Falls, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 30, 2026
Niagara Falls, New York Rates & Resources
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