MonitorBankRates
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Best Money Market Rates in New Jersey (NJ) - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | Last Updated: May 12, 2026

Current New Jersey money market deposit account rates include Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit Union29 Emmons Dr Ste C40, Princeton, NJ 08540 5971A+5.0 ★Texas Ratio: 1.92% Money Market Account at 4.07% APY, Citizens BankCitizens Bank1101 White Horse Rd, Voorhees, NJ 08043A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Parke BankParke Bank601 Delsea Dr, Sewell, NJ 08080A5.0 ★Texas Ratio: 6.65% Parke Select Personal or Business Money Market at 3.75% APY, First Atlantic Federal Credit UnionFirst Atlantic Federal Credit Union468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210A+5.0 ★Texas Ratio: 4.55% Magnum Money Market (New Money Only) at 3.75% APY, and Blue Foundry BankBlue Foundry Bank19 Park Ave, Rutherford, NJ 07070A+5.0 ★Texas Ratio: 2.56% Blue Axis Edge®Money Market at 3.70% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across New Jersey side-by-side. New Jersey money market rates currently reach as high as 4.07% APY from Healthcare Employees Federal Credit Union at 29 Emmons Dr Ste C40, Princeton, NJ 08540 5971. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in New Jersey and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in New Jersey

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Money Market Account
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1101 White Horse Rd, Voorhees, NJ 08043
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Money Market Account
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

As High As; Qualifying balance up to $1,000.00

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1101 White Horse Rd, Voorhees, NJ 08043
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
Parke Select Personal or Business Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Blue Axis Edge®Money Market
3.70%
$100
View
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
3.60%
$0
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
3.60%
$0
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
78 Washington Ave, Westwood, NJ 07675
Money Market
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

For six months when you become a new member and open a Flex Money Market or Business Money Market account!

Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ 08098
Premier Business Money Market
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Money Market Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Promotional Money Market Account
3.55%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details

minimum new money deposit of $10,000.

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Money Market New Money
3.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Treasury Bill Indexed Money Market Account
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Apple Choice Money Market Account Preferred Rate
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Apple Choice Banking Program

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Business Money Market Account
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000+

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
Parke Select Personal or Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $49,999.99

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
SMART Money Market Account
3.50%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
1748 S Lincoln Ave, Vineland, NJ 08361
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Somerset Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
220 W Union Ave, Bound Brook, NJ 08805
Premium Money Market
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

A higher balance means a better rate--plus check-writing privileges AND no fees.

Regal Bank
Institution Rating:
A+5.0 ★
570 W Mount Pleasant Ave, Livingston, NJ 07039
Premium Money Market
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

A higher balance means a better rate--plus check-writing privileges AND no fees.

Somerset Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
220 W Union Ave, Bound Brook, NJ 08805
Premium Money Market Account
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
734 Sanford Ave, Newark, NJ 07106
Money Market Accounts
3.29%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
734 Sanford Ave, Newark, NJ 07106
Money Market
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

up to

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
SMART Money Market Account
3.25%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Crest Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
Money Market**
3.25%
$1,000
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ 07068
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ 07724
Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

MAXIMIZE YOUR MONEY MARKET EARNINGS WITH A RATE AS HIGH AS 3.15% APY*

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
Platinum Money Market
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Money Market Account
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Apple Choice Money Market Account
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Blue Axis®Tiered Money Market
3.00%
$100
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
3 Sunset Road And Route 541, Burlington, NJ 08016
High-Yield Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $100,000.00

Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
Step-Up Money Market Account
3.00%
$5,000
View
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details

Balance of $25,000 required to earn stated APY. Rates subject to change.

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
Better Business Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
253 W Main St, Moorestown, NJ 08057
Premier Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
Business Money Market Tier 3
3.00%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
Business Money Market Tier 4
3.00%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
Step-Up Money Market
3.00%
$5,000
View
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ 07724
Ultra Money Market Account
3.00%
$50,000
View
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
3.00%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ 08085
Money Market Plus Account
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details

2 free withdrawals monthly***

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ 08085
Money Market Plus
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
Business Money Market Tier 2
3.00%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
SMART Money Market Account
3.00%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

GSL Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
Super Money Market Account
2.98%
$1,500
View
▼
Rate2.90%
Min Deposit$1,500
Min Balance—
UpdatedMay 4, 2026
Details

Minimum Daily Balances $100,000.00 or more

Manasquan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
LIQUID PLATINUM MONEY MARKET
2.85%
$500
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
Platinum Money Market
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Platinum Money Market Account
2.80%
$0
View
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ 08098
Premier Business Money Market
2.79%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
660 Newark Ave, Jersey City, NJ 07306 2379
Money Market Account
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
SMART Money Market Account
2.75%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Money Markets-Traditional and Roth
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Money Markets-Traditional and Roth (S6/S12)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
2.75%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
Better Business Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Manasquan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
LIQUID PLATINUM MONEY MARKET
2.75%
$500
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Crest Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
Money Market**
2.75%
$1,000
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Relationship Money Market Account
2.75%
$1,000
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Business Relationship Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Relationship Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
78 Washington Ave, Westwood, NJ 07675
Business Money Market
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
Platinum Money Market
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
VIP Money Market Account
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Treasury Bill Indexed Money Market
2.53%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

which is 70% of the indexed rate

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Treasury Bill Indexed Money Market Account
2.53%
$0
View
▼
Rate2.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market (Personal)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
175 Park Ave, Madison, NJ 07940
Signature Money Market
2.50%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Business Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
Better Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
975 Hooper Ave, Toms River, NJ 08753
FirstWave Money Market
2.50%
$500,000
View
▼
Rate2.47%
Min Deposit$500,000
Min Balance—
UpdatedMay 4, 2026
Details

New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
222 Bridge Plz S, Fort Lee, NJ 07024
Money Market Account
2.50%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

$1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Crest Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
Money Market**
2.50%
$1,000
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
660 Newark Ave, Jersey City, NJ 07306 2379
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Money Market Account
2.45%
$0
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ 08098
Premier Business Money Market
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
734 Sanford Ave, Newark, NJ 07106
Money Market Accounts
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
660 Newark Ave, Jersey City, NJ 07306 2379
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Family First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
2091 Springdale Rd, Cherry Hill, NJ 08003
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

$100,000.00 and Above

OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
975 Hooper Ave, Toms River, NJ 08753
FirstWave Money Market
2.25%
$250,000
View
▼
Rate2.23%
Min Deposit$250,000
Min Balance—
UpdatedMay 4, 2026
Details

New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.

Crest Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
Money Market**
2.25%
$1,000
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details

Manasquan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
SIGNATURE MONEY MARKET SAVINGS
2.25%
$500
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Manasquan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
429 Main St, Metuchen, NJ 08840
LIQUID PLATINUM MONEY MARKET
2.25%
$500
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Money Market Account
2.21%
$0
View
▼
Rate2.19%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ 07724
Ultra Money Market Account
2.05%
$0
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40, Princeton, NJ 08540 5971
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ 08872 1442
Money Market Accounts
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
380 BERRY ST, WOODBRIDGE, NJ 07095
Money Market
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

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 New Jersey 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.

New Jersey Money Market Rate Trends

Compare local New Jersey 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.

View Full New Jersey MMA Trends →
High-Yield MMA — NJ Avg
3.376%
▲ 0.012 vs 7 days ago

New Jersey high-yield MMA rates rose 0.012 points over the past 7 days to 3.376% APY.

Standard MMA — NJ Avg
0.702%
▲ 0.006 vs 7 days ago

New Jersey standard MMA rates rose 0.006 points over the past 7 days to 0.702% APY.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for New Jersey 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 New Jersey. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in NJ.

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 New Jersey

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit 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 Jersey.

Are Money Market accounts in New Jersey 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 Jersey up to $250,000 per depositor, per institution.

How often do MMA rates change in New Jersey?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New Jersey 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.

How much do I need to deposit to open a money market account in New Jersey?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in New Jersey require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in New Jersey

Here are some of the highest money market account APYs currently available in New Jersey:
  • Healthcare Employees Federal Credit Union
    Money Market Account — 4.07% APY
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
  • Parke Bank
    Parke Select Personal or Business Money Market — 3.75% APY
  • First Atlantic Federal Credit Union
    Magnum Money Market (New Money Only) — 3.75% APY
  • Blue Foundry Bank
    Blue Axis Edge®Money Market — 3.70% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

New Jersey Rates & Resources

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