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

Content reviewed by
Brian McKay 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: April 11, 2026

Current Union, New Jersey and the surrounding area money market rates include Spencer Savings BankSpencer Savings Bank1350 Galloping Hill Rd Spc 2, Union, NJ 07083A+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 Bank1011b Morris Ave, Union, NJ 07083A+5.0 ★Texas Ratio: 2.56% Blue Axis Edge®Money Market at 3.85% 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, Parke BankParke BankA5.0 ★Texas Ratio: 6.65% Parke Select Business Money Market and higher at 3.75% APY, and Citizens BankCitizens Bank977 Stuyvesant Ave, Union, NJ 07083A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY. Money market rates as of April 11, 2026 according to verified data from MonitorBankRates.

Union has 10 local institutions in our database, with money market rates as high as 4.00% APY from Spencer Savings Bank at 1350 Galloping Hill Rd Spc 2, Union, NJ 07083. 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 Union, New Jersey and surrounding area. Last Updated and Verified: April 11, 2026

Compare the Best Money Market Rates Today in Union, 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%
1350 Galloping Hill Rd Spc 2, Union, NJ 07083
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%
1011b Morris Ave, Union, NJ 07083
Blue Axis Edge®Money Market
3.85%
$100
View
▼
Rate3.78%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
977 Stuyvesant Ave, Union, NJ 07083
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%
977 Stuyvesant Ave, Union, NJ 07083
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

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ 07083
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

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
1011b Morris Ave, Union, NJ 07083
Blue Axis®Tiered Money Market
3.00%
$100
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ 07083
Premium Money Market
2.90%
$10,000
View
▼
Rate2.86%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
667 Chestnut St, Union, NJ 07083
Money Market
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
667 Chestnut St, Union, NJ 07083
Business Money Market and Over)
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$25,000

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
667 Chestnut St, Union, NJ 07083
Business Money Market
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$2,500-$9,999

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
667 Chestnut St, Union, NJ 07083
Money Market
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

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

$50,000

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
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%
Money Market Account
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 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 4, 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 4, 2026
Details

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 4, 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

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
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%
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%
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

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

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%
Magnum Money Market (New Money Only)
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

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

Parke Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
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%
Business Money Market Account
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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—
UpdatedApr 4, 2026
Details

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 4, 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

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+

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Relationship Money Market
3.45%
$0
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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.

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.

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

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

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 2, 2026
Details

New money only.

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

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

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

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

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

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Relationship Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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

Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Saver Money Market
3.10%
$50,000
View
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
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—
UpdatedMar 27, 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 2, 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

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

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 4, 2026
Details

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $2,500.00

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—
UpdatedMar 26, 2026
Details

$1,000 - $99,999.99

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 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—
UpdatedMar 24, 2026
Details

Haddon Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.70%
Commercial Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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

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

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—
UpdatedMar 27, 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—
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.

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—
UpdatedMar 24, 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 4, 2026
Details

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

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 4, 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—
UpdatedMar 27, 2026
Details

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

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Relationship Money Market
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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

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 2, 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 2, 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—
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—
UpdatedMar 24, 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 4, 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 4, 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 4, 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 4, 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 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—
UpdatedApr 4, 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 4, 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 (S6/S12)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

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 4, 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 4, 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 4, 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 4, 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 Union, 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.

Union, NJ Money Market Rate Trends

Compare local Union, 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
1.232%
▲ 0.351 vs 7 days ago

New Jersey high-yield MMA rates rose 0.351 points over the past 7 days to 1.232% APY.

Standard MMA — NJ Avg
1.713%
▲ 0.471 vs 7 days ago

New Jersey standard MMA rates rose 0.471 points over the past 7 days to 1.713% APY.

As of Apr 11, 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 Union, 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 Union, 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 Union, 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 Union, 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 Union, 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 Union, New Jersey

Here are some of the highest money market account APYs currently available in Union, 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
  • First Atlantic Federal Credit Union
    Magnum Money Market (New Money Only) — 3.75% APY
  • Parke Bank
    Parke Select Business Money Market and higher — 3.75% APY
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Union, New Jersey. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 11, 2026

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