Best Money Market Rates in Saratoga Springs, New York - June 2026
Brian McKay
Brian McKay
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Current Saratoga Springs, New York and the surrounding area money market deposit account rates include Citizens BankCitizens Bank1 Ballston Ave, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, Broadview Federal Credit UnionBroadview Federal Credit Union815 N Broadway, Saratoga Springs, NY 12866 1632A+5.0 ★Texas Ratio: 6.28% Money Market at 3.05% APY, FNB of ScotiaFNB of Scotia3013 Route 50, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 8.63% Tiered Money Market Accounts Tier 4 at 2.31% APY, TrustCo BankTrustCo Bank3065 Route 50, Saratoga Springs, NY 12866A+5.0 ★Texas Ratio: 3.16% Money Market at 1.47% APY, and Adirondack Trust CompanyAdirondack Trust Company473 Broadway, Saratoga Springs, NY 12866A+5.0 ★Texas Ratio: 2.27% Corporate High Peaks Tiered Money Market I at 1.00% APY. Money market rates as of June 16, 2026 according to verified data from MonitorBankRates.
Saratoga Springs has 7 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 1 Ballston Ave, Saratoga Springs, NY 12866. 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 Saratoga Springs, New York and surrounding area. Last Updated and Verified: June 16, 2026
Compare the Best Money Market Rates Today in Saratoga Springs, New York & the Surrounding Area
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
Balance Tier: $1,000,000 and Over
Balance Tier: $500,000 - $999,999.99
Balance Tier: $250,000 - $499,999.99
Balance Tier: $100,000 to $249,999.99
Balance Tier: $50,000 to $99,999.99
Balance Tier: $25,000 to $49,999.99
(4)
Balance Tier: $10,000 to $24,999.99
Balance Tier: $2,500 to $9,999.99
(4)
Dividends compounded monthly. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Dividends compounded monthly. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
(4)
Dividends are compounded monthly. Fees may reduce earnings on this account. Rates subject to change.
(4) (5)
Dividends are compounded monthly. Fees may reduce earnings on this account. Rates subject to change.
Standard rates. Must have a Citizens Private Client® Checking account.
(6)
Dividends are compounded monthly. Fees may reduce earnings on this account. Rates subject to change.
Balance Tier: $0.01 to $2,499.99
Balance range: $1,000 - $24,999
(3)
Standard rates. Must have a Citizens Quest® Checking account.
Balance range: $1,000 - $24,999
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
Balance range: Less than $1,000
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
New money only
New money only
$15,000+
Special Offer; Apply online with just a few clicks and put your business on a better path.
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.
Tier: $25,000 minimum
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.
As high as 3.00% APY*
$1,000,000; Dividend Rate: 2.72%
Minimum balance required to receive dividends. Call (607) 547-5700 for more information and to apply.
$300,000
As High As
$250,000
$100,000
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.
Saratoga Springs, NY Money Market Rate Trends
Compare local Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Saratoga Springs, New York safe?
How often do MMA rates change in Saratoga Springs, 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 Saratoga Springs, New York?
Best Money Market Rates in Saratoga Springs, New York
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - Broadview Federal Credit Union
Money Market — 3.05% APY - FNB of Scotia
Tiered Money Market Accounts Tier 4 — 2.31% APY - TrustCo Bank
Money Market — 1.47% APY - Adirondack Trust Company
Corporate High Peaks Tiered Money Market I — 1.00% APY
Saratoga Springs, New York Rates & Resources
