Best Money Market Rates in New Jersey - July 2026

Apple Choice Banking Program

For a deposit balance up to $49,999.99

Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.

Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00

Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.

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

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

As Low As

New money only. Variable rate product. Daily balances at or below $24,999.99 earn an APY of 1.50%. No check writing privileges.

Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00

As High As

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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

Balance requirement of $50,000**

Tiered rates.

2 free withdrawals monthly; Money Market Plus accounts are only available for new money, or funds that have not been on deposit with 1166 Federal Credit Union in the last 30 days.

Rates subject to change. Click for details.

Annual Percentage Yield (APY) is effective as of July 11, 2026 on balances of $100,000 or greater and is subject to change. Other tiers and APYs that are subject to change at any time are as follows: $0.01 - $9,999.99 = 0.03%, $10,000 - $24,999.99 = 1.50%, $25,000 - $49,999.99 = 1.75%, $50,000 - $99,999.99 = 2.00% and $100,000+ = 3.00%. Fees assessed to accounts may reduce earnings. Personal Accounts only.

For daily balances of $0.01 to $49,999.99, the APY* is 1.50%. For daily balances of $50,000 or more, the APY* is 3.00%. New money only.

Tier Two

Special APY requires $50,000 minimum balance.

Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00

Minimum Daily Balances $100,000.00 or more; Monthly Service Charge: $15.00

$500,000 and above

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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

Projected Rates for February 2026. Rate is not guaranteed.

Tiered rates.

Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00

If unable to maintain a daily balance of $25,000.00, a $15.00 monthly maintenance fee will be imposed. Minimum deposit to open Business Relationship Money Market account is $1,000.00. If unable to maintain a daily balance of $50,000.00, a $15.00 monthly maintenance fee will be imposed. Interest rates are subject to change at any time without prior notice before or after the account is opened. Fees may reduce earnings on this account. Some restrictions apply.

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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

Balance: $1,000,000 & Over

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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

70% of the indexed rate

Tiered rates.

Projected Rates for February 2026. Rate is not guaranteed.

$250,000

Projected Rates for February 2026. Rate is not guaranteed.

$100,000 - $249,999

APY for balances of $25,000 - $9,999,999

Tiered rates.

Balance: $500,000 - $999,999.99