Best Money Market Rates in Ruby, New York (NY) - March 2026
Content reviewed by
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 Ruby, 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, The Upstate National BankThe Upstate National Bank729 Proctor Ave, Ogdensburg, NY 13669A+5.0 ★Texas Ratio: 0.00% Money Market Deposit Account at 3.95% APY, Together Credit UnionTogether Credit Union2885 Belgium Rd, Baldwinsville, NY 13027 2706A+5.0 ★Texas Ratio: 5.65% Money Market at 3.75% APY, and NexTier BankNexTier Bank390 E Henrietta Rd, Rochester, NY 14620A+5.0 ★Texas Ratio: 1.45% Welcome Money Market Promo at 3.75% APY.
To see how these money market rates in Ruby, 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 Ruby, New York (NY) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Ruby, New York and surrounding area. Last Updated and Verified: March 21, 2026
Ruby, NY Money Market Rate Trends
Compare local Ruby, 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
1.431%
New York high-yield MMA rates currently average 1.431% APY based on data from institutions in our monitoring network.
Standard MMA — NY Avg
1.231%
▲ 0.320 from last week
New York standard MMA rates rose 0.320 points this week to 1.231% APY, up from 0.911% last week.
As of Mar 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Money Market Rates Today in Ruby, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 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 15, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
Money Market Deposit Account
3.95%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
Money Market Deposit Account
3.85%
$0
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
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 15, 2026
Details
New money only
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 20, 2026
Details
Rochester and Williamsville, New York locations.
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 15, 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
3.75%
$10,000
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
UpdatedMar 21, 2026
Details
$10,000.00 - $74,999.99
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 17, 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 17, 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 17, 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 17, 2026
Details
Apple Choice Banking Program
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 21, 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
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 18, 2026
Details
$15,000+
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 21, 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.
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 20, 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 20, 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 21, 2026
Details
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 21, 2026
Details
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
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 20, 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 20, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY 14052 0018
Platinum Money Market Shares
3.40%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00 (Effective 11/20/25)
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Premier Money Market5
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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 20, 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 20, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
Money Market
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Money Market and IRA rates shown are anticipated monthly dividends and could change based on market conditions.
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Premier Money Market
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
Business Relationship Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
285 Madison Ave, New York, NY 10017
Saver Money Market
3.25%
$250,000
▼
Rate3.20%
Min Deposit$250,000
Min Balance—
UpdatedMar 21, 2026
Details
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
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 16, 2026
Details
New money only
FNB of Scotia
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
Tiered Money Market Account
3.25%
$50,000
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 16, 2026
Details
Offer valid for new money only; Limited time special; Rate guaranteed for 9-months from opening date
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Money Market Accounts
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Signature Money Market
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 15, 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
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
285 Madison Ave, New York, NY 10017
Saver Money Market
3.10%
$50,000
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMar 21, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
3.10%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
Premium High Yield Money Market Tier 5
3.10%
$25,000
▼
Rate3.06%
Min Deposit$25,000
Min Balance—
UpdatedMar 16, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
High Interest Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Business & Public Funds Premium Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
Money Market
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
Business Money Market
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$1,000,000 and Over
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
10730 Enduring Freedom Dr, Fort Drum, NY 13602
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
APY for 6 months
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Money Market1
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
500 Westchester Ave, Port Chester, NY 10573
Elite Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Money Market Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Choice Money Market
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Money Market Accounts
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Signature Money Market
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Tiered Business Money Market Tier 4
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Money Market
3.00%
$0
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
15408 Northern Blvd, Flushing, NY 11354
Premier Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★ Texas Ratio: 15.40%
445 Broadhollow Rd, Melville, NY 11747
Promotional Money Market Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details
Guaranteed for 3 months
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1001 North St, Endicott, NY 13760
Citizens Private Client® Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Get up to 3.00% APY with preferred rates or up to 0.15% APY with standard rates
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
Premier Money Market Deposit Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
High Interest Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
Municipal Money Market Deposit Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Business & Public Funds Premium Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 16, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
Premium High Yield Money Market Tier 4
2.85%
$25,000
▼
Rate2.81%
Min Deposit$25,000
Min Balance—
UpdatedMar 16, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Money Market
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Balance $1,000,000.01 + Average Daily Bal. Compound Monthly
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Money Market
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Money Market1
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Money Market Accounts
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Signature Money Market
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 15, 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 Market5
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Money Market1
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.50%
$300,000
▼
Rate2.47%
Min Deposit$300,000
Min Balance—
UpdatedMar 20, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
24 Glen Ave, Cooperstown, NY 13326 1122
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$2,500 & Over
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Premier Money Market5
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Money Market Accounts
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Signature Money Market
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Inner Lakes Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.86%
19 21 E Main St, Westfield, NY 14787 1319
Money Market
2.48%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
As High as
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
Money Market & Up
2.43%
$250,000
▼
Rate2.40%
Min Deposit$250,000
Min Balance—
UpdatedMar 15, 2026
Details
$250,000
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.25%
$100,000
▼
Rate2.23%
Min Deposit$100,000
Min Balance—
UpdatedMar 20, 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 Market5
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business Tiered Money Market Accounts Fifth Tier
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
Money Market
2.18%
$100,000
▼
Rate2.15%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 - $249,999
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5 Murray St, Glens Falls, NY 12801
Money Market Tier 4
2.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Dulles State Office Building, WATERTOWN, NY 13601
Money Market Accounts
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY 14228
Money Market Tier 3 rate
2.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Money Market1
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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 Ruby, 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.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Ruby, 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 Ruby, 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 Ruby, 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 Ruby, 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 Ruby, 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 Ruby, New York
Here are some of the highest money market account APYs currently available in Ruby, 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 - The Upstate National Bank
Money Market Deposit Account — 3.95% APY - Together Credit Union
Money Market — 3.75% APY - NexTier Bank
Welcome Money Market Promo — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ruby, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026
