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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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 2, 2026

Current New Jersey money market rates include Spencer Savings BankSpencer Savings Bank611 River Dr, Elmwood Park, NJ 07407A+5.0 ★Texas Ratio: 2.42% Business Edge Money Market at 4.00% APY, Blue Foundry BankBlue Foundry Bank19 Park Ave, Rutherford, NJ 07070A+5.0 ★Texas Ratio: 2.56% Blue Axis Edge®Money Market at 3.85% APY, Citizens BankCitizens Bank1101 White Horse Rd, Voorhees, NJ 08043A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Parke BankParke Bank601 Delsea Dr, Sewell, NJ 08080A5.0 ★Texas Ratio: 6.65% Parke Select Business Money Market and higher at 3.75% APY, and First Atlantic Federal Credit UnionFirst Atlantic Federal Credit Union468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210A+5.0 ★Texas Ratio: 4.55% Magnum Money Market (New Money Only) at 3.75% APY. Money market rates as of April 2, 2026 according to verified data from MonitorBankRates.

To see how these money market rates in New Jersey compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in New Jersey (NJ) are continually updated we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in New Jersey and surrounding area. Last Updated and Verified: April 2, 2026

Compare the Best Money Market Rates Today in New Jersey

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%
611 River Dr, Elmwood Park, NJ 07407
Business Edge Money Market
4.00%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 2, 2026
Details

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.

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
Premium Money Market
4.00%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

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.

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
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 2, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Blue Axis Edge®Money Market
3.85%
$100
View
▼
Rate3.78%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
Parke Select Money Market and higher
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$50,000

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
Parke Select Business Money Market and higher
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$50,000

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1101 White Horse Rd, Voorhees, NJ 08043
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $25,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1101 White Horse Rd, Voorhees, NJ 08043
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $25,000.00

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
3.60%
$0
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
3.60%
$0
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Franklin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1179 Route 40, Pilesgrove, NJ 08098
Premier Business Money Market
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Platinum Money Market Account
3.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Eligible for a preferred pricing rate bonus

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
1 S Main St, Woodstown, NJ 08098
Promotional Money Market Account
3.55%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details

minimum new money deposit of $10,000

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Apple Choice Money Market Account Preferred Rate
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Apple Choice Banking Program

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Choice Money Market Preferred
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Treasury Bill Indexed Money Market Account
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ 07417 1815
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

$15,000+

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
Premium Money Market
3.50%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

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.

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
Parke Select Money Market to $49,999.99
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$0.01

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
Business Edge Money Market
3.50%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 2, 2026
Details

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.

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Business Money Market Account
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
Premium Money Market Promo - w/o Checking (New Money Only)***
3.50%
$10,000
View
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
UpdatedApr 2, 2026
Details

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
601 Delsea Dr, Sewell, NJ 08080
Parke Select Business Money Market to $49,999.99
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$0.01

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
Relationship Money Market
3.45%
$0
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Regal Bank
Institution Rating:
A+5.0 ★
570 W Mount Pleasant Ave, Livingston, NJ 07039
Premium Money Market
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 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%
220 W Union Ave, Bound Brook, NJ 08805
Premium Money Market Account
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
734 Sanford Ave, Newark, NJ 07106
Money Market Accounts
3.29%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd, Roseland, NJ 07068
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
High Value Business Money Market
3.25%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 2, 2026
Details

New money only.

Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
500 Bloomfield Ave, Newark, NJ 07107
Saver Money Market
3.25%
$250,000
View
▼
Rate3.20%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ 08854
Business Relationship Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Haddon Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
201 White Horse Pike, Haddon Heights, NJ 08035
Commercial Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Crest Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
3301 Pacific Ave, Wildwood, NJ 08260
Money Market**
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
Relationship Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ 07724
Ultra Money Market Account
3.15%
$50,000
View
▼
Rate3.11%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 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.

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
Platinum Money Market
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
Relationship Money Market
3.10%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
Premium High Yield Money Market Tier 5
3.10%
$25,000
View
▼
Rate3.06%
Min Deposit$25,000
Min Balance—
UpdatedApr 2, 2026
Details

Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
500 Bloomfield Ave, Newark, NJ 07107
Saver Money Market
3.10%
$50,000
View
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Apple Choice Money Market Account
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Choice Money Market
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S, Iselin, NJ 08830
Money Market Account
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
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%
95 Woodstown Rd, Swedesboro, NJ 08085
Money Market Plus Account
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 2, 2026
Details

2 free withdrawals monthly***

Haven Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
621 Washington St, Hoboken, NJ 07030
Step-Up Money Market
3.00%
$5,000
View
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
UpdatedApr 2, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
Tiered Business Money Market Tier 4
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
253 W Main St, Moorestown, NJ 08057
Premier Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
95 Woodstown Rd, Swedesboro, NJ 08085
Money Market Plus
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
19 Park Ave, Rutherford, NJ 07070
Blue Axis®Tiered Money Market
3.00%
$100
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
Non-Profit Money Market
3.00%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$1,000 - $99,999.99

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
3 Sunset Road And Route 541, Burlington, NJ 08016
High-Yield Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

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.

Haddon Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
201 White Horse Pike, Haddon Heights, NJ 08035
Commercial Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
Relationship Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Cornerstone Bank Moorestown, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
253 W Main St, Moorestown, NJ 08057
Premier Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

GSL Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
6823 Bergenline Ave, Guttenberg, NJ 07093
Super Money Market Account
2.98%
$1,500
View
▼
Rate2.90%
Min Deposit$1,500
Min Balance—
UpdatedApr 2, 2026
Details

Minimum Daily Balances $100,000.00 or more

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr, Elmwood Park, NJ 07407
Premium Money Market
2.90%
$10,000
View
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedApr 2, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
1433 Van Houten Ave, Clifton, NJ 07013
Relationship Money Market
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ 07054 1869
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%
429 Main St, Metuchen, NJ 08840
LIQUID PLATINUM MONEY MARKET
2.85%
$500
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 24, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
4400 Us Highway 9, Freehold, NJ 07728
Elite High Yield Personal Money Market
2.85%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 2, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Platinum Money Market Account
2.80%
$0
View
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
660 Newark Ave, Jersey City, NJ 07306 2379
Money Market Account
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
VIP Money Market Account
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Money Markets-Traditional and Roth
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Business Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
5901 Route 42, Turnersville, NJ 08012 1497
IRA Money Markets-Traditional and Roth (S6/S12)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
660 Newark Ave, Jersey City, NJ 07306 2379
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Money Market Account
2.45%
$0
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ 08901 1588
Money Market
2.43%
$75,000
View
▼
Rate2.40%
Min Deposit$75,000
Min Balance—
UpdatedApr 2, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
734 Sanford Ave, Newark, NJ 07106
Money Market Accounts
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Family First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
2091 Springdale Rd, Cherry Hill, NJ 08003
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Liberty Savings Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
660 Newark Ave, Jersey City, NJ 07306 2379
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ 08002 4402
Money Market Account
2.21%
$0
View
▼
Rate2.19%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ 07724
United Money Market Account
2.20%
$0
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ 08901 1588
Money Market
2.17%
$20,000
View
▼
Rate2.15%
Min Deposit$20,000
Min Balance—
UpdatedApr 2, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Business Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St, Sayreville, NJ 08872 1442
Money Market Accounts
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Central Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
380 BERRY ST, WOODBRIDGE, NJ 07095
Money Market
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Money Market
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Mega Money Market (New Money Only)
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210
Magnum Money Market (New Money Only)
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
Money Market
1.91%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

B M S Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
1 Squibb Dr, New Brunswick, NJ 08901 1588
Money Market
1.91%
$2,000
View
▼
Rate1.90%
Min Deposit$2,000
Min Balance—
UpdatedApr 2, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
2200 Mount Holly Rd, Burlington, NJ 08016
Premium High-Yield Money Market Account
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
734 Sanford Ave, Newark, NJ 07106
Money Market Accounts
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Family First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.38%
2091 Springdale Rd, Cherry Hill, NJ 08003
Money Market Account
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
91 Fieldcrest Ave, Edison, NJ 08837
Money Market
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$2,500 minimum daily balance required to earn dividends.

PSE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
Money Market Accounts
1.70%
$0
View
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

PSE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
Money Markets
1.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

As High As

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ 07724
United Money Market Account
1.60%
$0
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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 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.

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for 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 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 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 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 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 New Jersey

Here are some of the highest money market account APYs currently available in 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
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 2, 2026

New Jersey Rates & Resources

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New Jersey CD Rates
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New Jersey Savings Rates
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New Jersey Checking Rates
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New Jersey Mortgage Rates
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New Jersey Auto Loan Rates
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New Jersey Personal Loan Rates

Cities in New Jersey

  • Absecon
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  • Cape May Point
  • Carlstadt
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  • Chatham
  • Chatsworth
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  • Chester
  • Clark
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  • Clayton
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  • Cliffwood
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  • Estell Manor
  • Ewan
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  • Fair Lawn
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  • Stratford
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  • Union
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  • Watchung
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  • Woodbury
  • Woodbury Heights
  • Woodcliff Lake
  • Woodstown
  • Wrightstown
  • Wyckoff
  • Zarephath