Best Money Market Rates in Richland, New Jersey (NJ) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Richland, New Jersey and the surrounding area money market rates include Spencer Savings BankSpencer Savings BankA+5.0 ★Texas Ratio: 2.42% Business Edge Money Market at 4.00% APY, Blue Foundry BankBlue Foundry BankA+5.0 ★Texas Ratio: 2.56% Blue Axis Edge®Money Market at 3.85% APY, Citizens BankCitizens BankA5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Parke BankParke BankA5.0 ★Texas Ratio: 6.65% Parke Select Business Money Market and higher at 3.75% APY, and First Atlantic Federal Credit UnionFirst Atlantic Federal Credit UnionA+5.0 ★Texas Ratio: 4.55% Magnum Money Market (New Money Only) at 3.75% APY. Money market rates as of April 5, 2026 according to verified data from MonitorBankRates.
Richland is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the New Jersey area are available to Richland residents, with money market rates as high as 4.00% APY from Spencer Savings Bank. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Richland, New Jersey and surrounding area. Last Updated and Verified: April 5, 2026
Compare the Best Money Market Rates Today in Richland, New Jersey & the Surrounding Area
LIMITED-TIME money market offers! To receive the 0.50% APY rate bump resulting in a promotional APY of 4.00%, customer must open or maintain an active Business _Edge_ or Commercial Checking Account at the same time as Business Money Market account opening with the same tax identification number as the money market account holder and maintain a daily minimum balance of $10,000 or more for the duration of the promotional period. Account must be opened by 5/30/2026 and rate is guaranteed for 120 days from date of account opening. After the promotional period ends, standard pricing will apply and the rate will change. APYs are accurate as of 3/01/2026 and subject to change without notice. Offers may be withdrawn at any time. NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank.
LIMITED-TIME money market offers! To receive the 0.50% APY rate bump resulting in a promotional APY of 4.00%, customer must open or maintain an active existing Non-Interest-Bearing Checking Account at the same time as Premium Money Market account opening with the same tax-identification number as the money market account holder and maintain a daily minimum balance of $5,000 or more for the duration of the promotional period. Account must be opened by 5/30/2026 and rate is guaranteed for 120 days from date of account opening. After the promotional period ends, standard pricing will apply and the rate will change. APYs are accurate as of 3/01/2026 and subject to change without notice. Offers may be withdrawn at any time. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit relationship and who are primary residents of and live in Bucks County, PA. NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank.
$50,000
As High As; Qualifying balance up to $1,000.00
$50,000
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
is_promo: true; For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Eligible for a preferred pricing rate bonus
minimum new money deposit of $10,000
Apple Choice Banking Program
$15,000+
$0.01
LIMITED-TIME money market offers! Minimum deposit of $10,000 and maximum deposit of $500,000 per tax identification number to receive promotional APY. Account must be opened by 5/30/2026 and rate is guaranteed for 120 days from date of account opening. After the promotional period ends, standard pricing will apply and the rate will change. APYs are accurate as of 3/01/2026 and subject to change without notice. Offers may be withdrawn at any time. NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank.
LIMITED-TIME money market offers! Minimum deposit of $10,000 and maximum deposit of $250,000 per social security number to receive promotional APY. Account must be opened by 5/30/2026 and rate is guaranteed for 120 days from date of account opening. After the promotional period ends, standard pricing will apply and the rate will change. APYs are accurate as of 3/01/2026 and subject to change without notice. Offers may be withdrawn at any time. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit relationship and who are primary residents of and live in Bucks County, PA. NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank.
$0.01
A higher balance means a better rate--plus check-writing privileges AND no fees.
New money only.
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.
Qualifying balance up to $2,500.00
Annual Percentage Yield (APY) is effective as of March 29, 2026 on balances of $100,000 or greater and is subject to change. Other tiers and APYs that are subject to change at any time are as follows: $0.01 - $9,999.99 = 0.03%, $10,000 - $24,999.99 = 1.50%, $25,000 - $49,999.99 = 1.75%, $50,000 - $99,999.99 = 2.00% and $100,000+ = 3.00%. Fees assessed to accounts may reduce earnings. Personal Accounts only.
$1,000 - $99,999.99
Balance of $25,000 required to earn stated APY. Rates subject to change.
Minimum Daily Balances $100,000.00 or more
MM $500,000 and above
MM $250,000 to $499,999
MM $100,000 - $249,999
$2,500 minimum daily balance required to earn dividends.
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.
Richland, NJ Money Market Rate Trends
Compare local Richland, 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 fell 0.571 points over the past 7 days to 0.881% APY.
New Jersey standard MMA rates fell 0.116 points over the past 7 days to 1.242% APY.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Richland, 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 Richland, 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 Richland, New Jersey
What is a Money Market Account (MMA)?
Are Money Market accounts in Richland, New Jersey safe?
How often do MMA rates change in Richland, New Jersey?
Can I write checks from a Money Market Account?
Best Money Market Rates in Richland, New Jersey
- Spencer Savings Bank
Business Edge Money Market — 4.00% APY - Blue Foundry Bank
Blue Axis Edge®Money Market — 3.85% APY - Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Parke Bank
Parke Select Business Money Market and higher — 3.75% APY - First Atlantic Federal Credit Union
Magnum Money Market (New Money Only) — 3.75% APY
