Best Money Market Rates in Jersey City, New Jersey (NJ) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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.
Current Jersey City, New Jersey and the surrounding area money market deposit account rates include Citizens BankCitizens Bank89 River Dr S, Jersey City, NJ 07310A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Blue Foundry BankBlue Foundry Bank123 Montgomery St, Jersey City, NJ 07302A+5.0 ★Texas Ratio: 2.56% Blue Axis Edge®Money Market at 3.70% APY, Selfreliance Federal Credit UnionSelfreliance Federal Credit Union558 Summit Ave, Jersey City, NJ 07306A5.0 ★Texas Ratio: 9.56% Money Market at 3.29% APY, Liberty Savings Federal Credit UnionLiberty Savings Federal Credit Union660 Newark Ave, Jersey City, NJ 07306 2379A5.0 ★Texas Ratio: 8.74% Money Market Account at 2.75% APY, and XCEL Federal Credit UnionXCEL Federal Credit Union30 Path Plz, Jersey City, NJ 07306A+5.0 ★Texas Ratio: 4.55% Money Market Tier 4 at 0.90% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.
Jersey City has 5 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 89 River Dr S, Jersey City, NJ 07310. Use the table below to compare all available offers, including options from institutions serving the broader New Jersey area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Jersey City, New Jersey and surrounding area. Last Updated and Verified: May 15, 2026
Compare the Best Money Market Rates Today in Jersey City, New Jersey & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
89 River Dr S, Jersey City, NJ 07310
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
89 River Dr S, Jersey City, NJ 07310
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
123 Montgomery St, Jersey City, NJ 07302
Blue Axis Edge®Money Market
3.70%
$100
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 15, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ 07306
Money Market Accounts
3.29%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ 07306
Money Market
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
up to
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
123 Montgomery St, Jersey City, NJ 07302
Blue Axis®Tiered Money Market
3.00%
$100
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedMay 15, 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
▼
Rate2.72%
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
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ 07306
Money Market Accounts
2.27%
$0
▼
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
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
123 Montgomery St, Jersey City, NJ 07302
Blue Axis®Tiered Money Market
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMay 15, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ 07306
Money Market Accounts
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
123 Montgomery St, Jersey City, NJ 07302
Blue Axis®Tiered Money Market
1.65%
$100
▼
Rate1.64%
Min Deposit$100
Min Balance—
UpdatedMay 15, 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
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ 07306
Money Market Accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
30 Path Plz, Jersey City, NJ 07306
Money Market Tier 4
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ 07306
Money Market Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
30 Path Plz, Jersey City, NJ 07306
Money Market Tier 3
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
30 Path Plz, Jersey City, NJ 07306
Money Market Tier 2
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
123 Montgomery St, Jersey City, NJ 07302
Blue Carbon®Business Money Market
0.60%
$100
▼
Rate0.60%
Min Deposit$100
Min Balance—
UpdatedMay 15, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
30 Path Plz, Jersey City, NJ 07306
Money Market Tier 1
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
89 River Dr S, Jersey City, NJ 07310
Citizens Private Client® Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ 07306
Money Market Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
89 River Dr S, Jersey City, NJ 07310
Citizens Quest® Money Market
0.03%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
89 River Dr S, Jersey City, NJ 07310
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
123 Montgomery St, Jersey City, NJ 07302
Blue Axis Edge®Money Market
0.00%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 15, 2026
Details
Qualifying balance up to $9,999.99
Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
123 Montgomery St, Jersey City, NJ 07302
Blue Axis®Tiered Money Market
0.00%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 15, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Money Market Account
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Parke Select Personal or Business Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Money Market Account
3.75%
$0
▼
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%
Magnum Money Market (New Money Only)
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Magnum Money Market (New Money Only)
3.60%
$0
▼
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%
Mega Money Market (New Money Only)
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Money Market
3.60%
$0
▼
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!
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Premier Business Money Market
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Promotional Money Market Account
3.55%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details
minimum new money deposit of $10,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account Preferred Rate
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Apple Choice Banking Program
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.50%
$100,000
▼
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%
Business Money Market Account
3.50%
$0
▼
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%
Mega Money Market (New Money Only)
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$15,000+
Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Parke Select Personal or Business Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $49,999.99
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Money Market
3.50%
$0
▼
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%
Magnum Money Market (New Money Only)
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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%
Premium Money Market
3.35%
$0
▼
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%
Premium Money Market Account
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.25%
$100,000
▼
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%
Money Market**
3.25%
$1,000
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
MAXIMIZE YOUR MONEY MARKET EARNINGS WITH A RATE AS HIGH AS 3.15% APY*
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Money Market Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Ultra Money Market Account
3.00%
$50,000
▼
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%
Signature Money Market
3.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Business Money Market Tier 2
3.00%
$0
▼
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%
Business Money Market Tier 3
3.00%
$0
▼
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%
Business Money Market Tier 4
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
2 free withdrawals monthly***
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.00%
$100,000
▼
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
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
High-Yield Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $100,000.00
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Step-Up Money Market
3.00%
$5,000
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Premier Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Step-Up Money Market Account
3.00%
$5,000
▼
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.
GSL Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Super Money Market Account
2.98%
$1,500
▼
Rate2.90%
Min Deposit$1,500
Min Balance—
UpdatedMay 15, 2026
Details
Minimum Daily Balances $100,000.00 or more
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
LIQUID PLATINUM MONEY MARKET
2.85%
$500
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Platinum Money Market Account
2.80%
$0
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Premier Business Money Market
2.79%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
2.75%
$0
▼
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%
Magnum Money Market (New Money Only)
2.75%
$0
▼
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%
Mega Money Market (New Money Only)
2.75%
$0
▼
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%
IRA Money Markets-Traditional and Roth
2.75%
$0
▼
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%
IRA Money Markets-Traditional and Roth (S6/S12)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.75%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Crest Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Money Market**
2.75%
$1,000
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Manasquan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
LIQUID PLATINUM MONEY MARKET
2.75%
$500
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
2.75%
$100,000
▼
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 Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Relationship Money Market Account
2.75%
$1,000
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Relationship Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Business Relationship Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Business Money Market
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
VIP Money Market Account
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account
2.53%
$0
▼
Rate2.49%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market
2.53%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
which is 70% of the indexed rate
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.50%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
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MonitorBankRates
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 Jersey City, 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.
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.
Jersey City, NJ Money Market Rate Trends
Compare local Jersey City, NJ 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.
High-Yield MMA — NJ Avg
3.376%
Unchanged vs 7 days ago
New Jersey high-yield MMA rates currently average 3.376% APY.
Standard MMA — NJ Avg
0.702%
Unchanged vs 7 days ago
New Jersey standard MMA rates currently average 0.702% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Jersey City, New Jersey 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 Jersey City, 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 Jersey City, 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 Jersey City, 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 Jersey City, 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 Jersey City, 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 Jersey City, 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 Jersey City, 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 Jersey City, New Jersey
Here are some of the highest money market account APYs currently available in Jersey City, New Jersey and the surrounding area:
- Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Blue Foundry Bank
Blue Axis Edge®Money Market — 3.70% APY - Selfreliance Federal Credit Union
Money Market — 3.29% APY - Liberty Savings Federal Credit Union
Money Market Account — 2.75% APY - XCEL Federal Credit Union
Money Market Tier 4 — 0.90% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Jersey City, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 15, 2026
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