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Best Money Market Rates in New York (NY) - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 22, 2026

Current New York money market rates include Carver Federal Savings BankCarver Federal Savings Bank75 W 125th St, New York, NY 10027C3.9 ★Texas Ratio: 28.07% Money Market Accounts & High Yield Savings at 4.25% APY, UFirst Federal Credit UnionUFirst Federal Credit Union274 Rugar St, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 4.10% High Yield Money Market Account at 4.00% APY, Together Credit UnionTogether Credit Union2885 Belgium Rd, Baldwinsville, NY 13027 2706A+5.0 ★Texas Ratio: 5.65% Money Market at 3.75% APY, Ridgewood Savings BankRidgewood Savings Bank7102 Forest Ave, Ridgewood, NY 11385A5.0 ★Texas Ratio: 7.75% Smart Move Money Market at 3.75% APY, and The Upstate National BankThe Upstate National Bank729 Proctor Ave, Ogdensburg, NY 13669A+5.0 ★Texas Ratio: 0.00% Money Market Deposit Account at 3.70% APY. Money market rates as of April 22, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across New York side-by-side. New York money market rates currently reach as high as 4.25% APY from Carver Federal Savings Bank at 75 W 125th St, New York, NY 10027. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in New York and surrounding area. Last Updated and Verified: April 22, 2026

Compare the Best Money Market Rates Today in New York

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Carver Federal Savings Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
Money Market Accounts & High Yield Savings
4.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
High-Yield Money Market Account
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,000.00

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
High Yield Money Market Account
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
Smart MoveMoney Market
3.75%
$0
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$125,000.00 - $250,000

Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
Smart Move Money Market
3.75%
$0
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$10,000.00 - $74,999.99

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Money Market (IRA)
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New money only

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Money Market
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New money only

The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
Money Market Deposit Account
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
3301 Country Club Rd, Endwell, NY 13760 3401
Money Market
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

For six months when you become a new member and open a Flex Money Market or Business Money Market account!

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Apple Choice Money Market Account Preferred Rate
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Apple Choice Banking Program

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Treasury Bill Indexed Money Market Account
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
SMART Money Market Account
3.50%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 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

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Spring Bank Bronx, NY
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Money Market
3.50%
$500
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details

Minimum Average Daily Balance to Earn APY: $500 to $999,999.99

Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
4 Bryant Park, New York, NY 10018
Business Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pioneer Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

4-month

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No minimum deposit required when you open a Business Money Market Account.

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
Business Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No service charges or monthly fees.

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
Newtek Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Founders Money Market
3.50%
$0
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
3.45%
$0
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Premier Money Market
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
3.35%
$10,000
View
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY 14052 0018
Platinum Money Market Shares
3.30%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

SJP Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1065 OLD COUNTRY RD STE 215, WESTBURY, NY 11590
Money Market Account
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Unrestricted Savings Account - Interest Compounded Monthly

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Signature Money Market
3.25%
$500
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Money Market Accounts
3.25%
$500
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
High Value Business Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

New money only.

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
SMART Money Market Account
3.25%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 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

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
3.10%
$0
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Business & Public Funds Premium Money Market Savings
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
10730 Enduring Freedom Dr, Fort Drum, NY 13602
Premier Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
High Interest Money Market Savings
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Apple Choice Money Market Account
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Money Market Account
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market
3.00%
$500,000
View
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedApr 17, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market (Personal)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
High Rate Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
SMART Money Market Account
3.00%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 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

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Money Market Accounts
3.00%
$500
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Signature Money Market
3.00%
$500
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
3.00%
$10,000
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
Money Markets
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Money Market
3.00%
$0
View
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
Premier Money Market Deposit Account
2.96%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
High Interest Money Market Savings
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Business & Public Funds Premium Money Market Savings
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
Relationship Money Market
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
Municipal Money Market Deposit Account
2.86%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
Elite High Yield Personal Money Market
2.85%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

$5,000 minimum daily balance required to earn interest & avoid a $10 monthly service fee.

First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Money Market
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Balance $1,000,000.01 + Average Daily Bal. Compound Monthly

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market (Personal)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.75%
$1,000,000
View
▼
Rate2.72%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 18, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
Money Markets
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Business Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Money Market Accounts
2.75%
$500
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Signature Money Market
2.75%
$500
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
High Rate Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Generations United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
Business Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

as high as

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
Money Market
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
SMART Money Market Account
2.75%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 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

Sawyer Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
87 Market St, Saugerties, NY 12477
Preferred Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market
2.75%
$250,000
View
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Treasury Bill Indexed Money Market
2.56%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

which is 70% of the indexed rate

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Treasury Bill Indexed Money Market Account
2.56%
$0
View
▼
Rate2.53%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Money Market Account
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Signature Money Market
2.50%
$500
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
100 High St, Buffalo, NY 14203 1126
Money Market Account
2.50%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
Money Market Accounts
2.50%
$500
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market (Personal)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Signature Money Market
2.50%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.50%
$300,000
View
▼
Rate2.47%
Min Deposit$300,000
Min Balance—
UpdatedApr 18, 2026
Details

$300,000

Sawyer Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
87 Market St, Saugerties, NY 12477
Preferred Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
High Rate Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Money Market
2.50%
$0
View
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

OceanFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
FirstWave Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No Commitments. Withdraw anytime. The more you deposit, the higher your rate.

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
2.50%
$10,000
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Money Market Account
2.50%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details

$1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Inner Lakes Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.86%
19 21 E Main St, Westfield, NY 14787 1319
Money Market
2.48%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

As High as; Annual Percentage Yield

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
Money Market & Up
2.43%
$250,000
View
▼
Rate2.40%
Min Deposit$250,000
Min Balance—
UpdatedApr 18, 2026
Details

$250,000

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
Money Markets
2.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
Money Market
2.25%
$100,000
View
▼
Rate2.23%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details

$100,000

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY 12090
Money Market Share Accounts
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business Tiered Money Market Accounts Fifth Tier
2.25%
$0
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
Health Savings Account (HSA) Money Market
2.23%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
Money Market
2.18%
$100,000
View
▼
Rate2.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details

$100,000 - $249,999

State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Dulles State Office Building, WATERTOWN, NY 13601
Money Market Accounts
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5 Murray St, Glens Falls, NY 12801
Money Market Tier 4
2.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
Money Markets
2.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
Business Money Market Account In NY
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business Tiered Money Market Accounts Fourth Tier
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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 York 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.

New York Money Market Rate Trends

Compare local New York 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 York MMA Trends →
High-Yield MMA — NY Avg
3.063%
▼ 0.248 vs 7 days ago

New York high-yield MMA rates fell 0.248 points over the past 7 days to 3.063% APY.

Standard MMA — NY Avg
0.721%
▲ 0.123 vs 7 days ago

New York standard MMA rates rose 0.123 points over the past 7 days to 0.721% APY.

As of Apr 23, 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 New York 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 York. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in NY.

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 York

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 York.

Are Money Market accounts in New York 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 York up to $250,000 per depositor, per institution.

How often do MMA rates change in New York?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New York 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 York

Here are some of the highest money market account APYs currently available in New York:
  • Carver Federal Savings Bank
    Money Market Accounts & High Yield Savings — 4.25% APY
  • UFirst Federal Credit Union
    High Yield Money Market Account — 4.00% APY
  • Together Credit Union
    Money Market — 3.75% APY
  • Ridgewood Savings Bank
    Smart Move Money Market — 3.75% APY
  • The Upstate National Bank
    Money Market Deposit Account — 3.70% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 22, 2026

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