Best Money Market Rates in Rome, 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 Rome, New York and the surrounding area money market deposit account rates include AmeriCU Credit UnionAmeriCU Credit Union1916 Black River Blvd N, Rome, NY 13440 2430A-4.9 ★Texas Ratio: 14.21% High Rate Money Market at 3.00% APY, GPO Federal Credit UnionGPO Federal Credit Union1701 N James St, Rome, NY 13440A+5.0 ★Texas Ratio: 1.97% Money Market Share at 1.60% APY, Adirondack BankAdirondack Bank1709 Black River Blvd N, Rome, NY 13440A5.0 ★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.
Rome has 3 local institutions in our database, with money market rates as high as 3.00% APY from AmeriCU Credit Union at 1916 Black River Blvd N, Rome, NY 13440 2430. 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 Rome, New York and surrounding area. Last Updated and Verified: July 25, 2026
Compare the Best Money Market Rates Today in Rome, New York & the Surrounding Area
Standard Rate: 1.00%, Standard APY: 1.00%
As high as
Standard Rate: 0.90%, Standard APY: 0.90%
Standard Rate: 0.80%, Standard APY: 0.80%
Standard Rate: 0.60%, Standard APY: 0.60%
Standard Rate: 0.50%, Standard APY: 0.50%
Standard Rate: 0.40%, Standard APY: 0.40%
Standard Rate: 0.25%, Standard APY: 0.25%
Tier 5; Balance: $5,000,000 +
Tier 3; Balance: $250,000 - $1,999,999.99
Tier 1; Balance: $0.00 - $99,999.99
As Low As
Tiered rates; No minimum balance required; Up to 3 withdrawals a month.
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
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Money market rate that's over 5x the national average. No service charges or monthly fees.
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.
National Average 0.08 APY
New money only
New money only
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.
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.
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.
No Commitments. Withdraw anytime. The more you deposit, the higher your rate. 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.
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.
Rome, NY Money Market Rate Trends
Compare local Rome, 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 Rome, 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 Rome, 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 Rome, 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 Rome, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Rome, New York safe?
How often do MMA rates change in Rome, 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 Rome, New York?
Best Money Market Rates in Rome, New York
- AmeriCU Credit Union
High Rate Money Market — 3.00% APY - GPO Federal Credit Union
Money Market Share — 1.60% 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
