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Best Money Market Rates in Stillwater, New Jersey (NJ) - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
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: April 12, 2026

Current Stillwater, New Jersey and the surrounding area money market rates include Spencer Savings BankSpencer Savings BankA+5.0 ★Texas Ratio: 2.42% Premium Money Market Promo - With New or Existing Non-Interest Bearing Checking Account (New Money)*** 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, 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, and Visions Federal Credit UnionVisions Federal Credit UnionA+5.0 ★Texas Ratio: 4.43% Money Market at 3.60% APY. Money market rates as of April 12, 2026 according to verified data from MonitorBankRates.

Stillwater 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 Stillwater 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 Stillwater, New Jersey and surrounding area. Last Updated and Verified: April 12, 2026

Compare the Best Money Market Rates Today in Stillwater, New Jersey & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Premium Money Market Promo - With New or Existing Non-Interest Bearing Checking Account (New Money)***
4.00%
$10,000
View
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
Blue Axis Edge®Money Market
3.85%
$100
View
▼
Rate3.78%
Min Deposit$100
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

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—
UpdatedApr 11, 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—
UpdatedApr 5, 2026
Details

is_promo: true; 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%
Mega Money Market (New Money Only)
3.60%
$0
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Apple Choice Banking Program

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—
UpdatedApr 11, 2026
Details

New money deposit of $10,000.

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Premium Money Market Promo - w/o Checking (New Money Only)***
3.50%
$10,000
View
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 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%
Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$15,000+ Intro rate

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—
UpdatedApr 11, 2026
Details

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—
UpdatedApr 8, 2026
Details

$15,000+

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Parke Select Personal or Business Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $49,999.99

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—
UpdatedApr 11, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Relationship Money Market
3.45%
$0
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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—
UpdatedApr 11, 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
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Regal Bank
Institution Rating:
A+5.0 ★
Premium Money Market
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 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
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

up to

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—
UpdatedApr 11, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $1,000.00

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
High Value Business Money Market
3.25%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 2026
Details

New money only.

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—
UpdatedApr 11, 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—
UpdatedApr 11, 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

Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Business Relationship Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Relationship Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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—
UpdatedApr 5, 2026
Details

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
Ultra Money Market Account
3.15%
$50,000
View
▼
Rate3.11%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

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.

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Relationship Money Market
3.10%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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—
UpdatedMar 26, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market Tier 5
3.10%
$25,000
View
▼
Rate3.06%
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

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—
UpdatedApr 11, 2026
Details

The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Premier Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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—
UpdatedApr 11, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Tiered Business Money Market Tier 4
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Relationship Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedMar 26, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Balance of $25,000 required to earn stated APY. Rates subject to change.

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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
3.00%
$500,000
View
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Minimum deposit of $2,500 to earn APY

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Non-Profit Money Market
3.00%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 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

GSL Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Super Money Market Account
2.98%
$0
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Minimum Daily Balances $100,000.00 or more

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Premium Money Market
2.90%
$10,000
View
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Relationship Money Market
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Money Market
2.89%
$0
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

MM $500,000 and above

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—
UpdatedMar 26, 2026
Details

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—
UpdatedApr 11, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Elite High Yield Personal Money Market
2.85%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market Tier 4
2.85%
$25,000
View
▼
Rate2.81%
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Simple Money Market
2.80%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

$5 monthly maintenance charge waived when minimum balance requirement is met

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—
UpdatedApr 11, 2026
Details

First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.51%
Relationship Money Market Account
2.75%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 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

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—
UpdatedApr 11, 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—
UpdatedMar 26, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.75%
$250,000
View
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Garden State Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.16%
Platinum Money Market Savings Account & Checking Account
2.53%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$250,000.00 & Greater

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
IRA Money Markets-Traditional and Roth
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.50%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 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)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details

Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Money Market
2.48%
$0
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

MM $250,000 to $499,999

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—
UpdatedApr 11, 2026
Details

B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market
2.43%
$75,000
View
▼
Rate2.40%
Min Deposit$75,000
Min Balance—
UpdatedApr 4, 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—
UpdatedApr 11, 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—
UpdatedApr 12, 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—
UpdatedApr 11, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Money Market Account
2.21%
$0
View
▼
Rate2.19%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
United Money Market Account
2.20%
$0
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Money Market
2.17%
$20,000
View
▼
Rate2.15%
Min Deposit$20,000
Min Balance—
UpdatedApr 4, 2026
Details

Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Money Market
2.07%
$0
View
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

MM $100,000 - $249,999

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Magnum Money Market (New Money Only)
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Money Market Accounts
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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 Stillwater, 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.

Stillwater, NJ Money Market Rate Trends

Compare local Stillwater, 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
1.314%
▼ 0.575 vs 7 days ago

New Jersey high-yield MMA rates fell 0.575 points over the past 7 days to 1.314% APY.

Standard MMA — NJ Avg
1.536%
▲ 0.396 vs 7 days ago

New Jersey standard MMA rates rose 0.396 points over the past 7 days to 1.536% APY.

As of Apr 12, 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 account rates for Stillwater, 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 Stillwater, 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 Stillwater, New Jersey

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings 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 Stillwater, 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 Stillwater, 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.

Best Money Market Rates in Stillwater, New Jersey

Here are some of the highest money market account APYs currently available in Stillwater, New Jersey and the surrounding area:
  • Spencer Savings Bank
    Premium Money Market Promo - With New or Existing Non-Interest Bearing Checking Account (New Money)*** — 4.00% APY
  • Blue Foundry Bank
    Blue Axis Edge®Money Market — 3.85% APY
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
  • First Atlantic Federal Credit Union
    Magnum Money Market (New Money Only) — 3.75% APY
  • Visions Federal Credit Union
    Money Market — 3.60% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Stillwater, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 12, 2026

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