Best Money Market Rates in Utica, New York - June 2026
Brian McKay
Brian McKay
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Current Utica, New York and the surrounding area money market deposit account rates include Citizens BankCitizens Bank90 N Genesee St, Utica, NY 13502A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, AmeriCU Credit UnionAmeriCU Credit Union224 N Genesee St STE 3, Utica, NY 13502 2514A-4.9 ★Texas Ratio: 14.21% High Rate Money Market at 3.00% APY, First Source Federal Credit UnionFirst Source Federal Credit Union1634 Genesee St, Utica, NY 13502 5428A5.0 ★Texas Ratio: 6.64% Business Money Market at 1.80% APY, GPO Federal Credit UnionGPO Federal Credit Union301 Bleecker St, Utica, NY 13501A+5.0 ★Texas Ratio: 1.97% Money Market Share & IRAs at 1.60% APY, and Mohawk Valley Federal Credit UnionMohawk Valley Federal Credit Union207 Genesee St, Utica, NY 13501A+5.0 ★Texas Ratio: 1.66% Money Market at 1.21% APY. Money market rates as of June 4, 2026 according to verified data from MonitorBankRates.
Utica has 6 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 90 N Genesee St, Utica, NY 13502. 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 Utica, New York and surrounding area. Last Updated and Verified: June 4, 2026
Compare the Best Money Market Rates Today in Utica, New York & the Surrounding Area
Preferred rates. Standard rates: 0.15% APY.
Preferred rates. Standard rates: 0.03% APY.
As high as as
Standard rates.
Minimum balance to obtain APY: $0.00 - $24,999.99
Minimum balance to obtain APY: $25,000 - $49,999.99
Minimum balance to obtain APY: $50,000 +
Standard rates.
Standard rates.
No amount is too small to kick-start your savings journey when you're earning up to 4.25% APY.
Balance tiers: $10,000.00 - $74,999.99
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!
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 Choice Banking Program
Earn 3.50% APY* on Your Business Money Market Account. Apply online with just a few clicks and put your business on a better path.
Interest Income Benefit $5,000; Yearly Fee Savings $2,420.00
No minimum deposit required when you open a Business Money Market Account. No service charges or monthly fees.
Balance range: $250,000-$1,000,000
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
Balance range: $1,000,001-$1,500,000
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00
New money only. Variable rate product; rates may change. Daily balances at or below $24,999.99 earn an APY of 1.50%. No check writing privileges.
Tiered rates that grow as you save more. Easy transfers. No charge for mobile banking, online banking & eStatements. Tier 1- If your daily balance is $0.00 up to $24,999.99 you will earn an interest rate of 0.00% and an APY of 0.00%. 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. 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. 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. 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.
Find a Branch; Get Details
Premier Money Market requires a minimum balance of $2,500 to obtain the stated APY.
Variable rate product. $5,000 minimum daily balance required to earn interest & avoid a $10 monthly service fee. Check writing privileges. Unlimited transfers. Free online bill pay. Free online & mobile banking. Free eStatements. Free ATM/debit card. Surcharge-free ATM transactions at over 55,000 participating Allpoint ATMs.
Tier: $1,000,000+
70% of the indexed rate
Find a Branch; Get Details
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.
Utica, NY Money Market Rate Trends
Compare local Utica, 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 fell 0.044 points over the past 7 days to 3.265% APY.
New York standard MMA rates fell 0.072 points over the past 7 days to 0.569% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Utica, 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 Utica, 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 Utica, 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 Utica, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Utica, New York safe?
How often do MMA rates change in Utica, 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 Utica, New York?
Best Money Market Rates in Utica, New York
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - AmeriCU Credit Union
High Rate Money Market — 3.00% APY - First Source Federal Credit Union
Business Money Market — 1.80% APY - GPO Federal Credit Union
Money Market Share & IRAs — 1.60% APY - Mohawk Valley Federal Credit Union
Money Market — 1.21% APY
