Best Money Market Rates in Lakewood, New Jersey - July 2026
Content reviewed by
Brian McKay
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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 Lakewood, New Jersey and the surrounding area money market deposit account rates include Fulton BankFulton Bank205 E Kennedy Blvd, Lakewood, NJ 08701A+5.0 ★Texas Ratio: 4.98% Money Market at 3.55% APY, Apple Bank for SavingsApple Bank for Savings140 East Kennedy Boulevard, Lakewood, NJ 08701A+5.0 ★Texas Ratio: 1.54% Apple Choice Money Market Account Preferred Rate at 3.55% APY, Citizens BankCitizens Bank14534 Madison Ave, Lakewood, OH 44107A5.0 ★Texas Ratio: 8.28% Citizens Quest Money Market at 3.50% APY, The Bank of PrincetonThe Bank of Princeton10 America Ave, Lakewood, NJ 08701A+5.0 ★Texas Ratio: 2.91% Premier Money Market at 3.00% APY, and First Commerce Bank (NJ)First Commerce Bank (NJ)105 River Ave, Lakewood, NJ 08701A5.0 ★Texas Ratio: 9.51% Premier Business Money Market at 2.75% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Lakewood has 6 local institutions in our database, with money market rates as high as 3.55% APY from Fulton Bank at 205 E Kennedy Blvd, Lakewood, NJ 08701. 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 Lakewood, New Jersey and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Lakewood, New Jersey & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Money Market
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Apple Choice Money Market Account Preferred Rate
3.55%
$100
▼
Rate3.48%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
Apple Choice Banking Program
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Treasury Bill Indexed Money Market Account
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
14534 Madison Ave, Lakewood, OH 44107
Citizens Quest Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
14534 Madison Ave, Lakewood, OH 44107
Citizens Private Client Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Apple Choice Money Market Account
3.03%
$100
▼
Rate2.98%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Premier Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Special APY requires $50,000 minimum balance.
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Premier Business Money Market
2.75%
$10,000
▼
Rate2.71%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 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
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
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.
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Consumer Relationship Money Market
2.75%
$1,000
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 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%
$1,000
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Treasury Bill Indexed Money Market
2.56%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
70% of the indexed rate
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Treasury Bill Indexed Money Market Account
2.56%
$10,000
▼
Rate2.52%
Min Deposit$10,000
Min Balance—
UpdatedJul 12, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Treasury Bill Indexed Money Market
2.19%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
60% of the indexed rate
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Treasury Bill Indexed Money Market Account
2.19%
$10,000
▼
Rate2.16%
Min Deposit$10,000
Min Balance—
UpdatedJul 12, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Platinum Money Market
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Treasury Bill Indexed Money Market
1.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
50% of the indexed rate
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Treasury Bill Indexed Money Market Account
1.82%
$10,000
▼
Rate1.80%
Min Deposit$10,000
Min Balance—
UpdatedJul 12, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Premier Business Money Market
1.75%
$10,000
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Platinum Money Market
1.64%
$0
▼
Rate1.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Premier Money Market
1.50%
$10,000
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Apple Advantage Money Market Account
1.50%
$10,000
▼
Rate1.48%
Min Deposit$10,000
Min Balance—
UpdatedJul 12, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Premier Money Market
1.25%
$10,000
▼
Rate1.24%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Platinum Money Market
0.94%
$0
▼
Rate0.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Platinum Money Market
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Platinum Money Market
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
IRA Money Market
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
205 E Kennedy Blvd, Lakewood, NJ 08701
Platinum Money Market
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Money Market
0.30%
$50
▼
Rate0.30%
Min Deposit$50
Min Balance—
UpdatedJul 11, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Princeton Money Market
0.30%
$5,000
▼
Rate0.30%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
105 River Ave, Lakewood, NJ 08701
Money Market
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedJul 11, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
14534 Madison Ave, Lakewood, OH 44107
Citizens Private Client Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Standard rates; Must have a Citizens Private Client® Checking account.
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
Money Market IRA
0.15%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedJul 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
Money Market IRA
0.10%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedJul 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
Opportunity Money Market Account
0.10%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedJul 11, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Priority Money Market
0.07%
$50
▼
Rate0.07%
Min Deposit$50
Min Balance—
UpdatedJul 11, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Business Money Market
0.05%
$1,000
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
Money Market IRA
0.05%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedJul 11, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Premier Money Market
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
Opportunity Money Market Account
0.05%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedJul 11, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Priority Money Market
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedJul 11, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
14534 Madison Ave, Lakewood, OH 44107
Citizens Quest Money Market
0.03%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Standard rates; Requires a Citizens Quest® Checking account.
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Business Money Market
0.03%
$1,000
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
10 America Ave, Lakewood, NJ 08701
Priority Money Market
0.03%
$50
▼
Rate0.03%
Min Deposit$50
Min Balance—
UpdatedJul 11, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
14534 Madison Ave, Lakewood, OH 44107
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Standard rates; Monthly maintenance fees $0 or $10; Keep a minimum daily balance of at least $2,500 to waive the fee.
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
140 East Kennedy Boulevard, Lakewood, NJ 08701
Money Market Account
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
Opportunity Money Market Account
0.00%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedJul 11, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
1255 Route 70, Lakewood, NJ 08701
Money Market IRA
0.00%
$1
▼
Rate—
Min Deposit$1
Min Balance—
UpdatedJul 11, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Money Market Account
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Small Business Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Kasasa Cash Back Premium Money Market Promo Checking
4.00%
$10,000
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedJul 11, 2026
Details
New Money Only
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Magnum Money Market (New Money Only)
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
As High As
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Magnum Money Market (New Money Only)
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Mega Money Market (New Money Only)
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Business Money Market Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Magnum Money Market (New Money Only)
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Mega Money Market (New Money Only)
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Money Market
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
As Low As
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Money Market Accounts
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
As High As
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Business Money Market Tier 4
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Business Money Market Tier 3
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Business Money Market Tier 2
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market
3.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Tiered rates.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Money Market Plus Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 6, 2026
Details
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.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Money Market MM
2.89%
$2,000
▼
Rate2.85%
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
$500,000 and above
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.61%
IRA Money Markets-Traditional and Roth (S6/S12)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market (Personal)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market
2.75%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Tiered rates.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Mega Money Market (New Money Only)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
Money Market Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Projected Rates for February 2026. Rate is not guaranteed.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Magnum Money Market (New Money Only)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Business Money Market
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Balance: $1,000,000 & Over
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market (Personal)
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Projected Rates for February 2026. Rate is not guaranteed.
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Business Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market
2.50%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Tiered rates.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Money Market MM to $499,999
2.48%
$2,000
▼
Rate2.45%
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
$250,000
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Money Market Accounts
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Projected Rates for February 2026. Rate is not guaranteed.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Money Market MM
2.07%
$2,000
▼
Rate2.05%
Min Deposit$2,000
Min Balance—
UpdatedJul 6, 2026
Details
$100,000 - $249,999
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
United Money Market Account
2.05%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
APY for balances of $25,000 - $9,999,999
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Business Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Mega Money Market (New Money Only)
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Magnum Money Market (New Money Only)
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Money Market
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.43%
Money Market
1.93%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 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 Lakewood, 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.
Lakewood, NJ Money Market Rate Trends
Compare local Lakewood, 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
3.233%
▼ 0.042 vs 7 days ago
New Jersey high-yield MMA rates fell 0.042 points over the past 7 days to 3.233% APY.
Standard MMA — NJ Avg
0.620%
▼ 0.099 vs 7 days ago
New Jersey standard MMA rates fell 0.099 points over the past 7 days to 0.620% APY.
As of Jul 13, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, New Jersey
Here are some of the highest money market account APYs currently available in Lakewood, New Jersey and the surrounding area:
- Fulton Bank
Money Market — 3.55% APY - Apple Bank for Savings
Apple Choice Money Market Account Preferred Rate — 3.55% APY - Citizens Bank
Citizens Quest Money Market — 3.50% APY - The Bank of Princeton
Premier Money Market — 3.00% APY - First Commerce Bank (NJ)
Premier Business Money Market — 2.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lakewood, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: July 12, 2026
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