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Best Money Market Rates in Perth Amboy, New Jersey (NJ) - May 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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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 Perth Amboy, New Jersey and the surrounding area money market deposit account rates include Citizens BankCitizens Bank598 State St, Perth Amboy, NJ 08861A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, OceanFirst BankOceanFirst Bank145 Fayette St, Perth Amboy, NJ 08861A+5.0 ★Texas Ratio: 1.82% FirstWave Money Market at 2.50% APY, United Poles Federal Credit UnionUnited Poles Federal Credit Union412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861C4.0 ★Texas Ratio: 26.86% Money Market at 1.26% APY, Healthcare Employees Federal Credit UnionHealthcare Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.92% Money Market Account at 4.07% APY, and Parke BankParke BankA5.0 ★Texas Ratio: 6.65% Parke Select Personal or Business Money Market at 3.75% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Perth Amboy has 3 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 598 State St, Perth Amboy, NJ 08861. 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 Perth Amboy, New Jersey and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Perth Amboy, 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%
598 State St, Perth Amboy, NJ 08861
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

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
598 State St, Perth Amboy, NJ 08861
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

OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
145 Fayette St, Perth Amboy, NJ 08861
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.

OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
145 Fayette St, Perth Amboy, NJ 08861
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.

OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
145 Fayette St, Perth Amboy, NJ 08861
FirstWave Money Market
2.00%
$100,000
View
▼
Rate1.98%
Min Deposit$100,000
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.

United Poles Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Money Market
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
145 Fayette St, Perth Amboy, NJ 08861
FirstWave Money Market
1.25%
$10,000
View
▼
Rate1.24%
Min Deposit$10,000
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.

United Poles Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Money Market
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

United Poles Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Money Market
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

United Poles Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Money Market
0.76%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

United Poles Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Money Market
0.51%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
598 State St, Perth Amboy, NJ 08861
Citizens Private Client® Money Market
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

United Poles Federal Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 26.86%
412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861
Money Market
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
598 State St, Perth Amboy, NJ 08861
Citizens Quest® Money Market
0.03%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
598 State St, Perth Amboy, NJ 08861
Personal Money Market
0.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Money Market Account
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

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

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
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%
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%
Mega 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%
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!

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

Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
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%
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%
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%
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%
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%
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%
Money Market
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%
Business Money Market Account
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
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

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

$15,000+

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
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

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

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
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%
Premium Money Market Account
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Regal Bank
Institution Rating:
A+5.0 ★
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%
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.

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

up to

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

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

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
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

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
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%
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%
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%
Apple Choice Money Market Account
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

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

Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
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%
Business Money Market Tier 2
3.00%
$0
View
▼
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
View
▼
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
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details

2 free withdrawals monthly***

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

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

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

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Money Market
3.00%
$0
View
▼
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
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.

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

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

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
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

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
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

GSL Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
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%
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%
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%
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%
Premier Business Money Market
2.79%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Relationship Money Market
2.75%
$0
View
▼
Rate—
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
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%
Signature Money Market (Personal)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Money Market Account
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%
IRA Money Markets-Traditional and Roth
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%
Mega Money Market (New Money Only)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Business Relationship Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 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
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%
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%
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%
LIQUID PLATINUM MONEY MARKET
2.75%
$500
View
▼
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
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%
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%
Relationship Money Market Account
2.75%
$1,000
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 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
View
▼
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
View
▼
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
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Platinum Money Market
2.60%
$0
View
▼
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
View
▼
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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

which is 70% of the indexed rate

Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Money Market Account
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%
Signature Money Market (Personal)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
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

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
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%
Business Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

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

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

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
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%
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%
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

$100,000.00 and Above

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 Perth Amboy, 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.

Perth Amboy, NJ Money Market Rate Trends

Compare local Perth Amboy, 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.

View Full New Jersey MMA Trends →
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 14, 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 Perth Amboy, 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 Perth Amboy, 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 Perth Amboy, 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 Perth Amboy, 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 Perth Amboy, 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 Perth Amboy, 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 Perth Amboy, 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 Perth Amboy, New Jersey

Here are some of the highest money market account APYs currently available in Perth Amboy, New Jersey and the surrounding area:
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
  • OceanFirst Bank
    FirstWave Money Market — 2.50% APY
  • United Poles Federal Credit Union
    Money Market — 1.26% APY
  • Healthcare Employees Federal Credit Union
    Money Market Account — 4.07% APY
  • Parke Bank
    Parke Select Personal or Business Money Market — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Perth Amboy, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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