Best Money Market Rates in Cortland, New York (NY) - April 2026
Content reviewed by
Brian McKay
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Brian McKay
Brian McKay
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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.
Current Cortland, New York and the surrounding area money market rates include Carver Federal Savings BankCarver Federal Savings BankC3.9 ★Texas Ratio: 28.07% Money Market Accounts & High Yield Savings at 4.25% APY, UFirst Federal Credit UnionUFirst Federal Credit UnionA+5.0 ★Texas Ratio: 4.10% High-Yield Money Market at 4.00% APY, EverBankEverBankB4.5 ★Texas Ratio: 20.65% Performance® Money Market at 3.80% APY, Citizens BankCitizens Bank3932 State Route 281, Cortland, NY 13045A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, and Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 5.65% Money Market (IRA) at 3.75% APY. Money market rates as of April 5, 2026 according to verified data from MonitorBankRates.
Cortland has 5 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 3932 State Route 281, Cortland, NY 13045. 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 Cortland, New York and surrounding area. Last Updated and Verified: April 5, 2026
Compare the Best Money Market Rates Today in Cortland, 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%
3932 State Route 281, Cortland, NY 13045
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
3932 State Route 281, Cortland, NY 13045
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
141 Clinton ave, Cortland, NY 13045
Money Market
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
is_promo: true; For six months when you become a new member and open a Flex Money Market or Business Money Market account!
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
877 State Route 13, CORTLAND, NY 13045
Money Market
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
877 State Route 13, CORTLAND, NY 13045
Money Market
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
877 State Route 13, CORTLAND, NY 13045
Money Market
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
877 State Route 13, CORTLAND, NY 13045
Money Market
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.07%
Money Market Accounts & High Yield Savings
4.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
High Yield Money Market Account
4.00%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
High-Yield Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
New money only
NexTier Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Welcome Money Market Promo
3.75%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
New York Special Offers; Only available at our Rochester and Williamsville, New York locations.
Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
Smart Move Money Market
3.75%
$10,000
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
$10,000.00 - $74,999.99
Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
Smart Move Money Market Account†
3.75%
$10,000
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
$10,000.00 - $74,999.99
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
New money only
The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Deposit Account
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account Preferred Rate
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Apple Choice Banking Program
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Choice Money Market Preferred
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Simply Consumer Money Market Account
3.50%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 3, 2026
Details
New customers only; Minimum average monthly balance of $1,000 to avoid a monthly service fee of $25.00. Maximum six debit transactions per monthly statement cycle by check, debit card, online banking or electronic transfer or payment to a third party.
Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Founders Money Market
3.50%
$0
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$15,000+
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 4, 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%
Simply Commercial Money Market Account
3.50%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 3, 2026
Details
New customers only; Minimum average monthly balance of $1,000 to avoid a monthly service fee of $25.00. Maximum six debit transactions per monthly statement cycle by check, debit card, online banking or electronic transfer or payment to a third party.
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
Pioneer Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Founders Money Market for Business
3.50%
$0
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
Business Premier Money Market1
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
Premier Money Market
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
Platinum Money Market Shares
3.40%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00 (Effective 11/20/25)
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Money Market Account
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Money Market
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Signature Money Market
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Money Market Accounts
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Business Relationship Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Saver Money Market
3.25%
$250,000
▼
Rate3.20%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
High Value Business Money Market
3.25%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 2, 2026
Details
New money only.
FNB of Scotia
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
Tiered Money Market Account
3.25%
$50,000
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 3, 2026
Details
Offer valid for new money only; Limited time special; Rate guaranteed for 9-months from opening date
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Premium High Yield Money Market Tier 5
3.10%
$25,000
▼
Rate3.06%
Min Deposit$25,000
Min Balance—
UpdatedApr 2, 2026
Details
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
Business & Public Funds Premium Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
months
International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Money Market Account
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000,000 and Over
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
High Interest Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Elite Business Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Elite Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Choice Money Market
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Money Market Account
3.03%
$0
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
3.00%
$500,000
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedApr 4, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Money Market Accounts
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Signature Money Market
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Tiered Business Money Market Tier 4
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★ Texas Ratio: 15.40%
Promotional Money Market Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Guaranteed for 3 months
Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Premier Money Market Deposit Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Premier Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
High Interest Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
Business & Public Funds Premium Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
Money Market
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
Signature Money Market
2.75%
$250,000
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 4, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Money Market Accounts
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Signature Money Market
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Money Market
2.75%
$1,000,000
▼
Rate2.72%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 5, 2026
Details
$1,000,000
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
Business Premier Money Market1
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
Premier Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Money Market
2.50%
$300,000
▼
Rate2.47%
Min Deposit$300,000
Min Balance—
UpdatedApr 5, 2026
Details
$300,000
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.50%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Signature Money Market
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
Premier Money Market
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
Business Premier Money Market1
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Money Market Accounts
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Inner Lakes Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.86%
Money Market
2.48%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
As High as
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.20%
Money Market & Up
2.43%
$250,000
▼
Rate2.40%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details
$250,000
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Money Markets
2.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Business Tiered Money Market Accounts Fifth Tier
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Money Market
2.25%
$100,000
▼
Rate2.23%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
Premier Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
Business Premier Money Market1
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.20%
Money Market
2.18%
$100,000
▼
Rate2.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 - $249,999
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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 Cortland, 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.
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.
Cortland, NY Money Market Rate Trends
Compare local Cortland, 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.
High-Yield MMA — NY Avg
1.254%
▼ 0.092 vs 7 days ago
New York high-yield MMA rates fell 0.092 points over the past 7 days to 1.254% APY.
Standard MMA — NY Avg
1.329%
▲ 0.075 vs 7 days ago
New York standard MMA rates rose 0.075 points over the past 7 days to 1.329% APY.
As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions
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Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Cortland, 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 Cortland, 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 Cortland, 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 Cortland, 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 Cortland, 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 Cortland, New York
Here are some of the highest money market account APYs currently available in Cortland, New York and the surrounding area:
- Carver Federal Savings Bank
Money Market Accounts & High Yield Savings — 4.25% APY - UFirst Federal Credit Union
High-Yield Money Market — 4.00% APY - EverBank
Performance® Money Market — 3.80% APY - Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - Together Credit Union
Money Market (IRA) — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cortland, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 5, 2026
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