Best Money Market Rates in Madison, New Jersey - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current Madison, New Jersey and the surrounding area money market deposit account rates include Citizens BankCitizens Bank256 Samson Rock Dr, Madison, CT 06443A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, Haven Savings BankHaven Savings Bank177 Main St, Madison, NJ 07940A+5.0 ★Texas Ratio: 2.97% Step-Up Money Market at 3.00% APY, Kinecta Federal Credit UnionKinecta Federal Credit Union175 Park Ave, Madison, NJ 07940A+5.0 ★Texas Ratio: 3.77% Signature Money Market at 3.00% APY, Unity BankUnity Bank269 Main St, Madison, NJ 07940A5.0 ★Texas Ratio: 7.29% Money Market IRA at 0.15% APY, and Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.88% Money Market Account at 4.07% APY. Money market rates as of June 3, 2026 according to verified data from MonitorBankRates.
Madison has 4 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 256 Samson Rock Dr, Madison, CT 06443. 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 Madison, New Jersey and surrounding area. Last Updated and Verified: June 3, 2026
Compare the Best Money Market Rates Today in Madison, New Jersey & the Surrounding Area
Preferred rates. Standard rates: 0.15% APY.
Preferred rates. Standard rates: 0.03% APY.
$25,000 and up
Balance of $25,000 required to earn stated APY. Rates subject to change.
$1,000 and up
$5,000 -$24,999
Standard rates.
Standard rates.
Standard rates.
As High As
APY of 3.75% for a deposit balance of $50,000 or greater
Money Market Offer: Earn up to 3.60% APY!* For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Money Market Offer: Earn up to 3.60% APY!* For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Preferred Rate
Apple Choice Banking Program
Requires a minimum new money deposit of $10,000.
Minimum new money deposit of $10,000.
$15,000+
APY of 3.50% for a deposit balance up to $49,999.99
$1,000,000.00 and over
Eligible clients can earn a 3.40% annual percentage yield (APY) with a new Truist Business Money Market account. Promotional Interest Rate is 3.34% and the Annual Percentage Yield (APY) is 3.40% for balances $0.01 and greater. Your new Money Market Account could initially earn a rate lower than 3.40% APY. However, within 10 calendar days of account opening, your eligible account will automatically upgrade to the 3.40% APY rate. The standard interest rate and APY are 0.01%. Fees may reduce earnings.
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.
up to
New money only. Variable rate product; rates may change. Daily balances at or below $24,999.99 earn an APY of 1.50%. No check writing privileges.
Interest Credited Monthly
$500,000.00 - $999,999.99
Tiered rates that grow as you save more. Easy transfers. No charge for mobile banking, online banking & eStatements. Tier 1- If your daily balance is $0.00 up to $24,999.99 you will earn an interest rate of 0.00% and an APY of 0.00%. 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. 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. 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. 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.
Standard Rate
$250,000.00 - $499,999.99
Minimum account funding of $50,000.00 with funds not currently on deposit with UTF is required to earn promotional rate. Balances up to $1,000,000 are eligible for the promotional APY, however, NCUA coverage will only apply to balances of $250,000 or less. Offer may change or end at any time without notice. Fees may reduce earnings. Additional restrictions may apply. See website for further details.
2 free withdrawals monthly
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.
Earn premium rates while maintaining easy access to your money.
Premier Money Market requires a minimum balance of $2,500 to obtain the stated APY.
Qualifying balance up to $50,000.00
Minimum Daily Balances $100,000.00 or more
Variable rate product. $5,000 minimum daily balance required to earn interest & avoid a $10 monthly service fee. Check writing privileges. Unlimited transfers. Free online bill pay. Free online & mobile banking. Free eStatements. Free ATM/debit card. Surcharge-free ATM transactions at over 55,000 participating Allpoint ATMs.
Rate is not guaranteed
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.
Madison, NJ Money Market Rate Trends
Compare local Madison, 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.
New Jersey high-yield MMA rates rose 0.001 points over the past 7 days to 3.322% APY.
New Jersey standard MMA rates rose 0.007 points over the past 7 days to 0.741% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Madison, 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 Madison, 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 Madison, 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 Madison, New Jersey
What is a Money Market Account (MMA)?
Are Money Market accounts in Madison, New Jersey safe?
How often do MMA rates change in Madison, New Jersey?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Madison, New Jersey?
Best Money Market Rates in Madison, New Jersey
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - Haven Savings Bank
Step-Up Money Market — 3.00% APY - Kinecta Federal Credit Union
Signature Money Market — 3.00% APY - Unity Bank
Money Market IRA — 0.15% APY - Healthcare Employees Federal Credit Union
Money Market Account — 4.07% APY
