MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Best Money Market Rates in Albany, New York (NY) - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio →
| 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: May 15, 2026

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 3.75% APY, Pioneer Bank Albany, NYPioneer Bank Albany, NY652 Albany Shaker Rd, Albany, NY 12211A5.0 ★Texas Ratio: 6.71% 4-month 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 (Personal, Business, Non-profit, Trusts, Estates) at 3.35% APY, Sunmark Credit UnionSunmark Credit Union113 Holland Ave, Albany, NY 12208A5.0 ★Texas Ratio: 11.71% Money Market Accounts at 3.25% APY, and Broadview Federal Credit UnionBroadview Federal Credit Union40 Wolf Rd, Albany, NY 12205A+5.0 ★Texas Ratio: 0.00% Money Market at 3.05% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.

Albany has 12 local institutions in our database, with money market rates as high as 3.75% 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: May 15, 2026

Compare the Best Money Market Rates Today in Albany, New York & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1516 Western Ave, Albany, NY 12203
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1516 Western Ave, Albany, NY 12203
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
4-month Pioneer Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY 12203
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
3.35%
$10,000
View
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Signature Money Market
3.25%
$500
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
3.25%
$500
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
3.00%
$500
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Signature Money Market
3.00%
$500
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY 12203
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
3.00%
$10,000
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Signature Money Market
2.75%
$500
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
2.75%
$500
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Business Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY 12203
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
2.50%
$10,000
View
▼
Rate2.47%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Signature Money Market
2.50%
$500
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
2.50%
$500
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts Fifth Tier
2.25%
$0
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
2.25%
$0
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts Fourth Tier
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY 12203
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
2.00%
$10,000
View
▼
Rate1.98%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts Third Tier
1.50%
$0
View
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Business Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
1.48%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $4,999,999.99

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
1.25%
$500
View
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Savings
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

As High As

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
1.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $4,999,999.99

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $1,999,999.99

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
1.00%
$500
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
0.96%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $499,999.99

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
0.77%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $99,999.99

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
0.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $49,999.99

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
0.75%
$500
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
0.75%
$0
View
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
0.50%
$500
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Business Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts Fifth Tier
0.50%
$0
View
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Money Market Checking/Savings Accounts
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Money Market Checking/Savings Accounts
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
0.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $1,999,999.99

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
0.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $499,999.99

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts Fourth Tier
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market Premium
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

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.

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Premium Money Market
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Money Market Checking/Savings Accounts
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Money Market Checking/Savings Accounts
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Premium Money Market
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market Premium
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

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.

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY 12203
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
0.20%
$10,000
View
▼
Rate0.20%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY 12208
High Yield Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Money Market Checking/Savings Accounts
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts Third Tier
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Account
0.20%
$500
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Money Market Accounts
0.20%
$500
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts First Tier
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts Second Tier
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Business Tiered Money Market Accounts Second Tier
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1704 Western Ave Ste 7, Albany, NY 12203
Tiered Money Market Accounts First Tier
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY 12208
High Yield Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1516 Western Ave, Albany, NY 12203
Citizens Private Client® Money Market
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY 12205
Business Money Market Accounts
0.11%
$0
View
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY 12205
Money Market Accounts
0.11%
$0
View
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
132 State St, Albany, NY 12207
IRA Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

>$1,000,000

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
132 State St, Albany, NY 12207
Personal Prestige IMMA
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pinnacle Money Market Tier VIII
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY 12208
High Yield Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $99,999.99

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
0.08%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $49,999.99

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
132 State St, Albany, NY 12207
IRA Money Market
0.07%
$0
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$500,000 - $999,999

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pinnacle Money Market Tier VII
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
132 State St, Albany, NY 12207
IRA Money Market
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$100,000 - $499,999

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pinnacle Money Market Tier V
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pinnacle Money Market Tier VI
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Money Market
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

Qualifying balance up to $14,999.99

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pinnacle Money Market Tier IV
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY 12205
Money Market Accounts
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY 12205
Business Money Market Accounts
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
132 State St, Albany, NY 12207
Personal Prestige IMMA
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pinnacle Money Market Tier III
0.03%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pinnacle Money Market Tier II
0.03%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
Pinnacle Money Market Tier I
0.03%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
132 State St, Albany, NY 12207
Money Market
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
132 State St, Albany, NY 12207
IRA Money Market
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$25,000 - $99,999

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1516 Western Ave, Albany, NY 12203
Citizens Quest® Money Market
0.03%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
132 State St, Albany, NY 12207
Money Market
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY 12205
Money Market Accounts
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
High Yield Money Market Account
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
High-Yield Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 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—
UpdatedMay 7, 2026
Details

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

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—
UpdatedMay 12, 2026
Details

$15,000+

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New money only

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 Albany, 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.

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.

View Full New York MMA Trends →
High-Yield MMA — NY Avg
3.343%
Unchanged vs 7 days ago

New York high-yield MMA rates currently average 3.343% APY.

Standard MMA — NY Avg
0.595%
Unchanged vs 7 days ago

New York standard MMA rates currently average 0.595% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit 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 Albany, 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 Albany, 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.

How much do I need to deposit to open a money market account in Albany, New York?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Albany, New York require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Albany, New York

Here are some of the highest money market account APYs currently available in Albany, New York and the surrounding area:
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
  • Pioneer Bank Albany, NY
    4-month Pioneer Money Market — 3.50% APY
  • Ballston Spa National Bank
    Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates) — 3.35% APY
  • Sunmark Credit Union
    Money Market Accounts — 3.25% APY
  • Broadview Federal Credit Union
    Money Market — 3.05% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Albany, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 15, 2026

Albany, New York Rates & Resources

$
Albany, New York CD Rates
$
Albany, New York Savings Rates
$
Albany, New York Checking Rates
$
Albany, New York Mortgage Rates
$
Albany, New York Auto Loan Rates
$
Albany, New York Personal Loan Rates