Best Money Market Rates in Albany, New York - June 2026
Brian McKay
Brian McKay
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Current Albany, New York and the surrounding area money market deposit account rates include Citizens BankCitizens Bank1516 Western Ave, Albany, NY 12203A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, Pioneer Bank Albany, NYPioneer Bank Albany, NY652 Albany Shaker Rd, Albany, NY 12211A5.0 ★Texas Ratio: 6.71% Pioneer Money Market at 3.50% APY, Ballston Spa National BankBallston Spa National Bank1973 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 2.61% Platinum Money Market at 3.35% APY, Broadview Federal Credit UnionBroadview Federal Credit Union40 Wolf Rd, Albany, NY 12205A+5.0 ★Texas Ratio: 6.28% Money Market at 3.05% APY, and TrustCo BankTrustCo Bank112 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 3.16% Money Market at 1.47% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
Albany has 10 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 1516 Western Ave, Albany, NY 12203. Use the table below to compare all available offers, including options from institutions serving the broader New York area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Albany, New York and surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Money Market Rates Today in Albany, New York & the Surrounding Area
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
Personal, Business, Non-profit, Trusts, Estates
Balance Tier: $1,000,000 and Over
Personal, Business, Non-profit, Trusts, Estates
Balance Tier: $500,000 - $999,999.99
Personal, Business, Non-profit, Trusts, Estates
Balance Tier: $250,000 - $499,999.99
Balance Tier: $100,000 to $249,999.99
Personal, Business, Non-profit, Trusts, Estates
Balance Tier: $50,000 to $99,999.99
Balance Tier: $25,000 to $49,999.99
Balance Tier: $10,000 to $24,999.99
Balance Tier: $2,500 to $9,999.99
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Dividends compounded monthly. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Dividends compounded monthly. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Dividends are compounded monthly. Fees may reduce earnings on this account. Rates subject to change.
Dividends are compounded monthly. Fees may reduce earnings on this account. Rates subject to change.
Standard rates. Must have a Citizens Private Client® Checking account.
Dividends are compounded monthly. Fees may reduce earnings on this account. Rates subject to change.
Balance Tier: $0.01 to $2,499.99
Balance range: $1,000 - $24,999
Standard rates. Must have a Citizens Quest® Checking account.
Balance range: $1,000 - $24,999
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
Earn up to 4.00% APY with tiered rates. Up to 3 withdrawals a month.
For six months when you become a new member and open a Flex Money Market or Business Money Market account!
New money only
$15,000+
New money only
Money Market rates shown reflect anticipated monthly dividends and may change based on market conditions. Savings, Money Market, IRA, and Club Accounts are variable rate accounts and rates may change after account opening.
As high as 3.00% APY*
Tiered rates reward higher balances with bigger earnings. Deposit or withdraw as needed. No monthly service fee.
$1,000,000; Dividend Rate: 2.72%
Tiered rates reward higher balances with bigger earnings. Deposit or withdraw as needed. No monthly service fee.
Minimum balance required to receive dividends. Call (607) 547-5700 for more information and to apply.
Tiered rates reward higher balances with bigger earnings. Deposit or withdraw as needed. No monthly service fee.
$300,000
As High As
$250,000
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.
Albany, NY Money Market Rate Trends
Compare local Albany, NY money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New York high-yield MMA rates fell 0.030 points over the past 7 days to 3.254% APY.
New York standard MMA rates rose 0.071 points over the past 7 days to 0.613% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Albany, New York money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Albany, 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 Albany, 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 Albany, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Albany, New York safe?
How often do MMA rates change in Albany, New York?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Albany, New York?
Best Money Market Rates in Albany, New York
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - Pioneer Bank Albany, NY
Pioneer Money Market — 3.50% APY - Ballston Spa National Bank
Platinum Money Market — 3.35% APY - Broadview Federal Credit Union
Money Market — 3.05% APY - TrustCo Bank
Money Market — 1.47% APY
