Best Money Market Rates in Sagaponack, New York - June 2026
Brian McKay
Brian McKay
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Current Sagaponack, New York and the surrounding area money market deposit account rates include Carver Federal Savings BankCarver Federal Savings BankC3.9 ★Texas Ratio: 28.07% Money Market Accounts at 4.25% APY, UFirst Federal Credit UnionUFirst Federal Credit UnionA+5.0 ★Texas Ratio: 4.05% High-Yield Money Market at 4.00% APY, Ridgewood Savings BankRidgewood Savings BankA5.0 ★Texas Ratio: 7.75% Smart Move Money Market at 3.75% APY, The Upstate National BankThe Upstate National BankA+5.0 ★Texas Ratio: 0.00% Money Market Deposit Account at 3.70% APY, and Visions Federal Credit UnionVisions Federal Credit UnionA+5.0 ★Texas Ratio: 4.19% Money Market Offer at 3.60% APY. Money market rates as of June 16, 2026 according to verified data from MonitorBankRates.
Sagaponack is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the New York area are available to Sagaponack residents, with money market rates as high as 4.25% APY from Carver Federal Savings Bank. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Sagaponack, New York and surrounding area. Last Updated and Verified: June 16, 2026
Compare the Best Money Market Rates Today in Sagaponack, New York & the Surrounding Area
No amount is too small to kick-start your savings journey when you're earning up to 4.25% APY.
Earn up to 4.00% APY with tiered rates. Up to 3 withdrawals a month.
$125,000.00 - $250,000
$10,000.00 - $74,999.99
For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Preferred
Special Offer; Apply online with just a few clicks and put your business on a better path.
No minimum deposit required when you open a Business Money Market Account. A balance of $0.01 is required to earn interest.
$15,000+
New money only
New money only
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
Tier: $25,000 minimum
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
Rate accurate as of the date shown and may change at any time without notice. Up to six (6) withdrawals or transfers per statement cycle are permitted.
Personal, Business, Non-profit, Trusts, Estates
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00
Money Market rates shown reflect anticipated monthly dividends and may change based on market conditions. Savings, Money Market, IRA, and Club Accounts are variable rate accounts and rates may change after account opening.
New money only. Daily balances at or below $24,999.99 earn an APY of 1.50%. This account has no check writing privileges.
Tier 5 rate. APY accurate as of 12/18/2025. Subject to change.
Balance Tier: $1,000,000 and Over
APY for 6 months
Tier: $250,000 and over
$500,000 and Over
Personal, Business, Non-profit, Trusts, Estates
As high as 3.00% APY*
Tier: $1,000,000 and over
Tier 4 rate. APY accurate as of 12/18/2025. Subject to change.
Variable rate product. Subject to change after account opening.
$1,000,000; Dividend Rate: 2.72%
Balance Tier: $500,000 - $999,999.99
Tier 3 rate. APY accurate as of 12/18/2025. Subject to change.
Tier 2 rate. APY accurate as of 12/18/2025. Subject to change.
70% of the indexed rate
No Commitments. Withdraw anytime. The more you deposit, the higher your rate. $10,000 Minimum To Receive Promotional Rates. 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.
$300,000
$250,000 - $499,999.99
Balance Tier: $250,000 - $499,999.99
Minimum balance required to receive dividends. Call (607) 547-5700 for more information and to apply.
Personal, Business, Non-profit, Trusts, Estates
Tier VI
As High As
$250,000
Balance Tier: $100,000 to $249,999.99
$100,000
$100,000 - $249,999
Balance Tier: $50,000 to $99,999.99
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.
Sagaponack, NY Money Market Rate Trends
Compare local Sagaponack, 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 rose 0.020 points over the past 7 days to 3.284% APY.
New York standard MMA rates fell 0.028 points over the past 7 days to 0.542% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sagaponack, 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 Sagaponack, 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 Sagaponack, 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 Sagaponack, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Sagaponack, New York safe?
How often do MMA rates change in Sagaponack, 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 Sagaponack, New York?
Best Money Market Rates in Sagaponack, New York
- Carver Federal Savings Bank
Money Market Accounts — 4.25% APY - UFirst Federal Credit Union
High-Yield Money Market — 4.00% APY - Ridgewood Savings Bank
Smart Move Money Market — 3.75% APY - The Upstate National Bank
Money Market Deposit Account — 3.70% APY - Visions Federal Credit Union
Money Market Offer — 3.60% APY
