West Lebanon, New York Money Market Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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West Lebanon, New York money market account rates from banks and credit unions serving New York range from 2.40% to 4.00% APY, verified by MonitorBankRates as of October 31, 2026. Current West Lebanon, New York and the surrounding area money market deposit account rates include Northfield BankNorthfield BankA+5.0 ★Texas Ratio: 3.19%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 26, 2026 Money Market Savings at 4.00% APY, UFirst Federal Credit UnionUFirst Federal Credit UnionA+5.0 ★Texas Ratio: 4.62%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 29, 2026 High Yield Money Market at 4.00% APY, Ridgewood Savings BankRidgewood Savings BankA5.0 ★Texas Ratio: 9.37%Real return: +0.15%APY minus 3.7% CPIRate verified Oct 31, 2026 Smart Move Money Market at 3.85% APY, International Bank of ChicagoInternational Bank of ChicagoA+5.0 ★Texas Ratio: 5.06%Real return: +0.10%APY minus 3.7% CPIRate verified Oct 31, 2026 Premier Money Market at 3.80% APY, and BankUnitedBankUnitedA5.0 ★Texas Ratio: 6.17%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 31, 2026 Promotional Money Market Account at 3.75% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
West Lebanon 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 West Lebanon residents, with money market rates as high as 4.00% APY from Northfield Bank. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in West Lebanon, New York and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in West Lebanon, New York & the Surrounding Area
Balance: $0.01 - $99,999.99
Balance: $5,000.00 - $50,000.00; Dividends compound monthly; Limited to one per member; new money only
Balance: $10,000.00 - $74,999.99; Online Only; available to new depositors only; limited to consumers without a Ridgewood deposit account; Rates effective as of 10/30/2026
- Oct 31, 20263.85%▲ from 3.75%
- Oct 7, 20263.75%first recorded
Balance: $250,000-$1,000,000; Credit Frequency: Monthly
- Sep 24, 20263.80%▲ from 3.40%
- Sep 19, 20263.40%first recorded
Promotional APY guaranteed for 6 months; after the promotional period the account converts to the standard Money Market account at the then-current variable APY; For Consumer Accounts Only; available to new clients or existing clients depositing new funds; Balance: all balances
- Oct 26, 20263.75%▲ from 3.50%
- Oct 14, 20263.50%first recorded
Balance: $100,000+; Welcome Money Market Promo; Requires deposit of $100,000+ in new money with Account Bundle; Only available at our Rochester and Williamsville, New York locations
Credit Frequency: Monthly
- Sep 24, 20263.75%▲ from 3.35%
- Sep 8, 20263.35%first recorded
Balance: $50,000 and over; requires an open, funded business checking account; applies only when all eligibility requirements are met; no minimum to open
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
Balance: $1,000,001-$1,500,000; Credit Frequency: Monthly
- Sep 24, 20263.70%▲ from 3.30%
- Sep 8, 20263.30%first recorded
Balance: $100,000 - $249,999.99
Balance: $1,500,001; Credit Frequency: Monthly
- Sep 24, 20263.60%▲ from 3.20%
- Sep 8, 20263.20%first recorded
Balance: $500 to $999,999.99; Minimum Average Daily Balance to Earn APY
- Oct 3, 20263.60%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Balance: $500+; anticipated monthly dividends
Balance: $2,500 - $49,999.99; Apple Choice Banking Program
Preferred Rate (Elite Tier); requires Apple Bank Choice Checking account plus Choice Money Market; maintain $2,500 minimum daily balance; make five Qualifying Credit and/or Debit Transactions per month from Choice Checking; meet Premier Tier requirements
Balance: Over $1,000,000; Introductory rate per footnote 1 (6-month introductory rate, 184 calendar days from account opening); Average monthly balance under $50,000 will not earn dividends or the introductory rate
- Oct 2, 20263.55%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Balance: Over $1,000,000
- Oct 2, 20263.55%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Special rate for new accounts opened today; Balance: not stated
Month: OCT; Unrestricted Savings Account; Interest Compounded Monthly; For amounts below $1,500.00 rate is equal to share rate
- Oct 5, 20263.51%▲ from 3.30%
- Sep 25, 20263.30%first recorded
Preferred rates; Must have a Citizens Private Client Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Private Client Checking; Rhode Island rates
Preferred rates; Must have a Citizens Quest Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Quest Checking; Rhode Island rates
- Oct 31, 20263.50%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $1,000,000 - $9,999,999.99
Earns tiered variable APYs.
Balance: $100,000 - $249,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
APY accurate as of September 1st, 2026; variable rate determined by Esquire Bank and may change at any time
$25,000 minimum
Balance: $1,000,000.00 and over; Tiered and variable rate; $20.00 fee if average daily balance falls below $100,000
Balance: $300,000 +; Dividends accrued daily and paid monthly; No check-writing capabilities allowed
As High As; Products designed for United Church of Christ members
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Credit Frequency: Monthly
- Sep 24, 20263.45%▲ from 3.05%
- Sep 8, 20263.05%first recorded
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00
- Oct 1, 20263.40%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Balance: $500,000.00 and over; Personal, Business, Non-profit, Trusts, Estates
Balance: $3,000,000 - $4,999,999
Balance: $3,000,000 and over
Balance: $100,000.00 and over; Personal Premier Package requires a combined linked balance of at least $25,000.00; new funds required to earn APY; APY effective as of September 24, 2026; promotional offer may end at the Bank's discretion
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $100,000.00 and above; Variable rate account; Initial deposit of at least $10,000 in new-to-Five Star Bank money
Balance: $250,000+
Balance: $25,000.00 and over; New money only; Annual Percentage Yield effective 12/18/2025; variable rate; Check writing unavailable
Balance: $5,000,000.00 or more
Balance: $0 - $99,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Earned when the MMA balance is below $50,000, or when no business checking account is opened
Balance: $1,500,000 and over
- Oct 21, 20263.25%▲ from 2.31%
- Sep 24, 20262.31%first recorded
Tier 4; Balance: $250,000.00 to $499,999.99
Tier 4; Balance: $250,000.00 to $499,999.99
Balance: $500,000.00 - $999,999.99; Tiered and variable rate; $20.00 fee if average daily balance falls below $100,000
Balance: Greater than or equal to $25,000.00
Balance: Greater than or equal to $25,000.00
Balance: $200,000 - $299,999; No monthly service fee; Dividends accrued daily and paid monthly
Balance: $200,000 - $299,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed
Balance: $200,000 and over; Requires Sunmark Signature checking account
Balance: $25,000.00 and over; requires Beacon Bank checking account with ownership relationship; balance cannot exceed $5,000,000
Balance: $25,000.00 - $99,999.99; Personal Premier Package requires a combined linked balance of at least $25,000.00; new funds required to earn APY; APY effective as of September 24, 2026; promotional offer may end at the Bank's discretion
Balance: $1,000,000 - $2,999,999
Balance: $1,000,000 - $2,999,999
7-Day Yield; Manager: DREYFUS; Ticker: GMBXX; CUSIP: 370375206
- Oct 31, 20263.11%▲ from 3.06%
- Oct 26, 20263.06%first recorded
Balance: $50,000 - $249,999.99
Balance: $500,000.00 and over; Tier 5; $25,000 minimum daily balance required to earn interest & avoid $10 monthly service fee
Money Market Account Promotional Rates; promotional intro rate
Manager: DREYFUS; 7-Day Yield; CUSIP 370375206; Ticker GMBXX
- Oct 30, 20263.10%▲ from 3.06%
- Oct 22, 20263.06%first recorded
Balance: $10.00 - $24,999.99; requires Beacon Bank checking account with ownership relationship; balance cannot exceed $5,000,000
Minimum Average Daily Balance to Avoid Fees: $10,000
Personal Accounts; Minimum Average Daily Balance to Avoid Fees: $0; Rates other than Certificates of Deposit may vary after the account is opened
APY for 6 months
Balance: $1,000,000 and Over
Balance: $1,000,000.00 and up; Rates effective 10/01/2026
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $100,000 - $199,999; No monthly service fee; Dividends accrued daily and paid monthly
Balance: $100,000 - $199,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed
Balance: $150,000 - $199,999.99; Requires Sunmark Signature checking account
Balance: $250,000 to $999,999; Introductory rate per footnote 1 (6-month introductory rate, 184 calendar days from account opening); Average monthly balance under $50,000 will not earn dividends or the introductory rate
- Oct 2, 20262.90%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Balance: $250,000 to $999,999
- Oct 2, 20262.90%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Balance: $1,000,000 and over; Rates effective 10/1/26; If balance falls below the minimum stated, the current savings account APY will apply
- Oct 5, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $1,000,000.01 +; Average Daily Bal. Compound Monthly
Balance: $25,000.00 and over
Balance: $50,000 - $99,999; No monthly service fee; Dividends accrued daily and paid monthly
Balance: $50,000 - $99,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed
Balance: $250,000 +
Balance: $100,000 and over
Balance: $100,000 - $149,999.99; Requires Sunmark Signature checking account
Balance: $500,000 - $999,999.99
Balance: $250,000 & Up; Min. bal. to earn APY: $50; Penalty for early withdrawal:
- Oct 15, 20262.69%▲ from 2.28%
- Sep 18, 20262.28%▲ from 2.18%
- Sep 14, 20262.18%first recorded
Balance: $100,000 to $249,999; Introductory rate per footnote 1 (6-month introductory rate, 184 calendar days from account opening); Average monthly balance under $50,000 will not earn dividends or the introductory rate
- Oct 2, 20262.65%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Balance: $100,000 to $249,999
- Oct 2, 20262.65%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Balance: $300,000 to earn APY; Tier heading: $300,000 Money Market; Rates effective 10/1/26; If balance falls below the minimum stated, the current savings account APY will apply
- Oct 5, 20262.65%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $1,000,000 & Over; Rates effective October 1, 2026 to October 31, 2026
Balance: $2000.00 minimum; no monthly maintenance fee; NCFCU Credit Union membership required; account must be in good standing; checking account or direct deposit required; rates current as of 09/17/26
Balance: $25,000.00 - $99,999.99
Balance: $250,000 or greater
Balance: $25,000.00 and up
Balance: $2,500 & Over; Nominal Rate
Balance: over $75,000.00
Balance: $50,000 - $99,999.99; Requires Sunmark Signature checking account
Balance: $250,000 - $499,999.99
Balance: $50,000 to $99,999; Introductory rate per footnote 1 (6-month introductory rate, 184 calendar days from account opening); Average monthly balance under $50,000 will not earn dividends or the introductory rate
- Oct 2, 20262.40%▲ from 2.25%
- Sep 18, 20262.25%first recorded
Balance: $50,000 to $99,999
- Oct 2, 20262.40%▲ from 2.25%
- Sep 18, 20262.25%first recorded
$100,000; Balance: $100,000; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply.
- Oct 5, 20262.40%▲ from 2.25%
- Sep 14, 20262.25%first recorded
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.
West Lebanon, NY Money Market Rate Trends
Compare local West Lebanon, 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 0.045 points over the past 7 days to 3.142% APY.
New York standard MMA rates fell 0.014 points over the past 7 days to 0.502% APY.
West Lebanon, New York Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current NY high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current NY high-yield money market average of 3.142% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in West Lebanon, New York.
Money Market Account Earnings in West Lebanon, New York
Annual interest earnings at current NY average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.142% APY) | Monthly Earnings | Standard MMA (0.502% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $314.16 / year | $26.18 | $50.16 / year | $4.18 |
| $25,000 | $785.40 / year | $65.45 | $125.40 / year | $10.45 |
| $50,000 | $1,570.80 / year | $130.90 | $250.80 / year | $20.90 |
| $100,000 | $3,141.60 / year | $261.80 | $501.60 / year | $41.80 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: West Lebanon, New York money market rate averages as of October 31, 2026. | ||||
Available in West Lebanon, New York Area
About Our West Lebanon, New York Money Market Rate Database
MonitorBankRates tracks money market rate offers from 68 banks and credit unions available to West Lebanon, New York residents via statewide and national offers. No branch locations physically in West Lebanon are currently in our database, but all listed offers are open to West Lebanon depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Northfield Bank offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in West Lebanon, New York.
How to Find the Best Money Market Rates in West Lebanon, New York
What to compare when shopping for a money market account in West Lebanon, New York
To find the best money market APYs in West Lebanon, New York, start with credit unions and online-only banks: West Lebanon, New York has 27 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current NY high-yield money market average is 3.142% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. West Lebanon, New York high-yield money market rates currently average 3.142% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at West Lebanon, New York institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 68 institutions in West Lebanon, New York report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return West Lebanon, New York CD rates
- You don’t need check writing and want a lower minimum West Lebanon, New York savings rates
- You need daily transaction access West Lebanon, New York checking rates
New York Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s NY high-yield money market average of 3.142%, saving 10% of the local median salary ($5,089/year) would earn an additional $160 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other West Lebanon, New York Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in West Lebanon, New York.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current NY Avg APY | 3.142% | View Savings Rates | 0.502%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects West Lebanon, New York averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
West Lebanon, New York Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current West Lebanon, New York rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for West Lebanon, New York
At NY’s top money market rate of 4.00% from Northfield Bank, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median West Lebanon, New York earner is roughly $12,700. At 3.142% APY in a money market account, saving $1,060/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountNew York’s high-yield money market average is 3.142% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median West Lebanon, New York earner makes $50,891/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.142% APY.
Retirement PlannerA $25,000 money market balance earning 3.142% APY grows to roughly $46,411 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our West Lebanon, 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 West Lebanon, 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 West Lebanon, 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 West Lebanon, New York
What are money market account rates in West Lebanon, New York today?
What is a Money Market Account (MMA)?
Are Money Market accounts in West Lebanon, New York safe?
How often do MMA rates change in West Lebanon, 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 West Lebanon, New York?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in West Lebanon, New York for money market accounts?
Best Money Market Rates in West Lebanon, New York
- Northfield Bank
Money Market Savings: 4.00% APY - UFirst Federal Credit Union
High Yield Money Market: 4.00% APY - Ridgewood Savings Bank
Smart Move Money Market: 3.85% APY - International Bank of Chicago
Premier Money Market: 3.80% APY - BankUnited
Promotional Money Market Account: 3.75% APY
West Lebanon, New York Rates & Resources
