Bradford, New York Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Bradford, New York money market account rates from banks and credit unions serving New York range from 1.76% to 4.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Bradford, New York and the surrounding area money market deposit account rates include UFirst Federal Credit UnionUFirst Federal Credit UnionA+5.0 ★Texas Ratio: 4.62%Real return: +1.20%APY minus 2.8% CPI (February 2026) High Yield Money Market Account at 4.00% APY, Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 4.25%Real return: +0.95%APY minus 2.8% CPI (February 2026) Select Money Market at 3.75% APY, The Upstate National BankThe Upstate National BankA+5.0 ★Texas Ratio: 0.00%Real return: +0.90%APY minus 2.8% CPI (February 2026) Business Money Market Deposit Account at 3.70% APY, Spring Bank Bronx, NYSpring Bank Bronx, NYA+5.0 ★Texas Ratio: 3.06%Real return: +0.80%APY minus 2.8% CPI (February 2026) Money Market at 3.60% APY, and SJP Federal Credit UnionSJP Federal Credit UnionA5.0 ★Texas Ratio: 6.61%Real return: +0.76%APY minus 2.8% CPI (February 2026) Money Market at 3.56% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Bradford is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the New York area are available to Bradford residents, with money market rates as high as 4.00% APY from UFirst Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Bradford, New York and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Bradford, New York & the Surrounding Area
Balance: $5,000.00 - $50,000.00; Dividends compound monthly; limited to one per member; new money only
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $100,000 - $249,999.99
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
- Oct 3, 20263.60%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Balance: $500+
Balance: $2,500 - $49,999.99; Preferred Rate; Apple Choice Banking Program
Month: OCT; Unrestricted Savings Account; Interest Compounded Monthly; For amounts below $1,500.00 rate is equal to share rate
- Oct 5, 20263.51%▲ from 3.30%
- Sep 25, 20263.30%first recorded
Balance: $1,000,000.00 and over; $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
Balance: $300,000 +
as high as
Balance: $100,000 and over; New money only; Minimum opening new money deposit is $100,000; Money Market Account interest is compounded daily and paid monthly
- Oct 13, 20263.50%▼ from 3.75%
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Intro rate; Balance: $15,000+
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00
- Oct 1, 20263.40%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Balance: $0.01
$10,000.00
$100,000.00
$250,000.00
$500,000.00
Balance: $3,000,000 - $4,999,999
Balance: $3,000,000 and over
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $250,000.00 to $499,999.99
Balance: $250,000.00 to $499,999.99
Balance: $500,000.00 - $999,999.99; $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
Balance: $200,000 - $299,999; Deposit or withdraw as needed. No monthly service fee
Balance: $200,000 and over; Must maintain a Sunmark Signature checking account to qualify
Balance: $1,000,000 - $2,999,999
Balance: $1,000,000 - $2,999,999
Balance: $1,000,000 and Over
Balance: $1,000,000.00 and up
Balance: $1,000,000.00 and Up
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $2,500 - $49,999.99
Preferred Rate: 3.48%; Preferred APY: 3.55%
- Oct 3, 20263.00%▲ from 2.75%
- Sep 19, 20262.75%first recorded
Balance: $0.01
$10,000.00
$100,000.00
$250,000.00
$500,000.00
Balance: $250,000.00 - $499,999.99; $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
Balance: $100,000 - $199,999; Deposit or withdraw as needed. No monthly service fee
Balance: $150,000 - $199,999.99; Must maintain a Sunmark Signature checking account to qualify
Balance: $1,000,000 and over; Rates effective 10/1/26; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply.
- Oct 5, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $1,000,000.01 +; Average Daily Bal.; Compound Monthly
Balance: $25,000.00 and over; Minimum Deposit tier $25,000.00
Balance: $1,000,000+
Balance: $1,000,000+
Balance: $100,000.00 - $249,999.99; $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
Balance: $50,000 - $99,999; Deposit or withdraw as needed. No monthly service fee
Balance: $250,000 +
Balance: $100,000 and over
Balance: $100,000 - $149,999.99; Must maintain a Sunmark Signature checking account to qualify
Balance: $500,000 - $999,999.99
Balance: $100,000 or more
- Oct 3, 20262.73%▲ from 2.61%
- Sep 14, 20262.61%first recorded
$250,000; Balance: $250,000 & Up
- Oct 5, 20262.69%▲ from 2.43%
- Sep 14, 20262.43%first recorded
$300,000; Balance: $300,000; Rates effective 10/1/26; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply.
- Oct 5, 20262.65%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $1,000,000 & Over; Rates effective October 1, 2026 to October 31, 2026
No monthly maintenance fee; NCFCU Credit Union membership required; account must be in good standing; checking account or direct deposit required
Balance: $25,000.00 - $99,999.99
Balance: $25,000.00 - $99,999.99
Balance: $250,000 or greater
Balance: $.01 - $49,999.99
- Oct 3, 20262.50%▲ from 2.25%
- Sep 19, 20262.25%first recorded
Balance: $0.01
$10,000.00
$100,000.00
$250,000.00
$500,000.00
Balance: $100.00 to $24,999.99
Balance: $100.00 to $24,999.99
Balance: $500,000 - $999,999
Balance: $500,000 - $999,999
Balance: $500,000.01 and over; $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
Balance: $25,000.00 and up
Call (607) 547-5700 for more info and to apply
Balance: $50,000 - $99,999.99; Must maintain a Sunmark Signature checking account to qualify
Balance: $250,000 - $499,999.99
As High as; Rates effective as of 10/17/2024
Balance: $0.01 to $999,999.99
Balance: $0.01 to $999,999.99
$100,000; Balance: $100,000; Rates may vary. If balance falls below the minimum stated, the current savings account APY will apply.; Rates effective 10/1/26.
- Oct 5, 20262.40%▲ from 2.25%
- Sep 14, 20262.25%first recorded
- Oct 5, 20262.40%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Balance: $100,000 - $249,999
Balance: $50,000 - $99,999
- Oct 3, 20262.34%▲ from 2.23%
- Sep 14, 20262.23%first recorded
Balance: $1,500,000 and over
$100,000 - $249,999; Balance: $100,000 - $249,999
- Sep 18, 20262.28%▲ from 2.18%
- Sep 14, 20262.18%first recorded
Balance: $100,000-$249,999.99
Balance: $10,000.00 and over; Minimum Deposit tier $10,000.00
Balance: $250,000 - $499,999
Balance: $250,000 - $499,999
Balance: $250,000.01 - $500,000.00; $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
Fifth Tier; Rates accurate as of 10/01/2026
Balance: $100,000 to $249,999.99
Balance: $0-$24,999.99; Balance: $25,000 & Above
Balance: $0-$24,999.99; Balance: $25,000 & Above
Balance: $10,000,000+; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle.
Balance: $10,000,000+; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle.
Balance: $2,000,000 and above
Minimum: $50,000.00 (New Money); Balance: $2,000,000 and above
Balance: $0.01
$10,000.00
$100,000.00
$250,000.00
$500,000.00
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $100,000.00 - $250,000.00; $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
New deposit funds are required to open the Promo Money Market Account. A $25.00 monthly service fee will be charged if the minimum daily balance falls below $25,000 in a monthly statement cycle and the rate will adjust to the standard money rate
Balance: $25,000 - $49,999
- Oct 3, 20261.94%▲ from 1.86%
- Sep 14, 20261.86%first recorded
Balance: $500,000 to $1,499,999
Balance: $5,000,000 - $9,999,999.99; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle.
Balance: $5,000,000 - $9,999,999.99; Money Market and Priority Business Money Market: $20 Monthly Fee is waived when you maintain a $10,000 minimum account balance as of the end of each business day in the statement cycle. Transfers or withdrawals from a money market account to another account of yours or to a third party by means of a preauthorized, automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party are limited to six per statement cycle.
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.
Bradford, NY Money Market Rate Trends
Compare local Bradford, 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 rose 0.003 points over the past 7 days to 3.091% APY.
New York standard MMA rates fell 0.007 points over the past 7 days to 0.517% APY.
Bradford, New York Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current NY high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current NY high-yield money market average of 3.091% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Bradford, New York.
Money Market Account Earnings in Bradford, New York
Annual interest earnings at current NY average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.091% APY) | Monthly Earnings | Standard MMA (0.517% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $309.10 / year | $25.76 | $51.73 / year | $4.31 |
| $25,000 | $772.75 / year | $64.40 | $129.33 / year | $10.78 |
| $50,000 | $1,545.50 / year | $128.79 | $258.65 / year | $21.55 |
| $100,000 | $3,091.00 / year | $257.58 | $517.30 / year | $43.11 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Bradford, New York money market rate averages as of October 14, 2026. | ||||
Available in Bradford, New York Area
About Our Bradford, New York Money Market Rate Database
MonitorBankRates tracks money market rate offers from 55 banks and credit unions available to Bradford, New York residents via statewide and national offers. No branch locations physically in Bradford are currently in our database, but all listed offers are open to Bradford depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: UFirst Federal Credit Union offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Bradford, New York.
How to Find the Best Money Market Rates in Bradford, New York
What to compare when shopping for a money market account in Bradford, New York
To find the best money market APYs in Bradford, New York, start with credit unions and online-only banks: Bradford, New York has 42 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current NY high-yield money market average is 3.091% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Bradford, New York high-yield money market rates currently average 3.091% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Bradford, New York institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 55 institutions in Bradford, New York report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Bradford, New York CD rates
- You don’t need check writing and want a lower minimum Bradford, New York savings rates
- You need daily transaction access Bradford, New York checking rates
New York Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s NY high-yield money market average of 3.091%, saving 10% of the local median salary ($5,089/year) would earn an additional $157 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Bradford, New York Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Bradford, New York.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current NY Avg APY | 3.091% | View Savings Rates | 0.517%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Bradford, New York averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Bradford, New York Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Bradford, New York rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Bradford, New York
At NY’s top money market rate of 4.00% from UFirst Federal Credit Union, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Bradford, New York earner is roughly $12,700. At 3.091% APY in a money market account, saving $1,060/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountNew York’s high-yield money market average is 3.091% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Bradford, New York earner makes $50,891/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.091% APY.
Retirement PlannerA $25,000 money market balance earning 3.091% APY grows to roughly $45,957 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bradford, 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 Bradford, 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 Bradford, 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 Bradford, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Bradford, New York safe?
How often do MMA rates change in Bradford, 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 Bradford, New York?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Bradford, New York for money market accounts?
Best Money Market Rates in Bradford, New York
- UFirst Federal Credit Union
High Yield Money Market Account: 4.00% APY - Together Credit Union
Select Money Market: 3.75% APY - The Upstate National Bank
Business Money Market Deposit Account: 3.70% APY - Spring Bank Bronx, NY
Money Market: 3.60% APY - SJP Federal Credit Union
Money Market: 3.56% APY
Bradford, New York Rates & Resources
