Best Money Market Rates in Herkimer, New York - June 2026
Brian McKay
Brian McKay
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Current Herkimer, New York and the surrounding area money market deposit account rates include Citizens BankCitizens Bank324 N Prospect St, Herkimer, NY 13350A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, AmeriCU Credit UnionAmeriCU Credit Union326 E State St, Herkimer, NY 13350A-4.9 ★Texas Ratio: 14.21% High Rate Money Market at 3.00% APY, First Source Federal Credit UnionFirst Source Federal Credit Union510 W State St, Herkimer, NY 13350 2240A5.0 ★Texas Ratio: 6.64% Business Money Market at 1.80% APY, Adirondack BankAdirondack Bank214 N Washington St, Herkimer, NY 13350A5.0 ★Texas Ratio: 10.45% Money Market IRA+ Tier 3 at 0.10% APY, and Carver Federal Savings BankCarver Federal Savings BankC3.9 ★Texas Ratio: 28.07% Money Market Accounts at 4.25% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
Herkimer has 4 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 324 N Prospect St, Herkimer, NY 13350. 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 Herkimer, New York and surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Money Market Rates Today in Herkimer, 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.
As high as 3.00% APY*
Standard rates. Must have a Citizens Private Client® Checking account.
Note-These are variable rate savings accounts. Rates are subject to change without notice.
Minimum to Obtain APY: $0.00 - $24,999.99
Minimum to Obtain APY: $50,000 +
Minimum to Obtain APY: $25,000 - $49,999.99
Note-These are variable rate savings accounts. Rates are subject to change without notice.
Tier 5; Minimum balance for APY: $5,000,000 +
Standard rates. Must have a Citizens Quest® Checking account.
Note-These are variable rate savings accounts. Rates are subject to change without notice.
Tier 3; Minimum balance for APY: $250,000 - $1,999,999.99
Note-These are variable rate savings accounts. Rates are subject to change without notice.
Tier 1; Minimum balance for APY: $0.00 - $99,999.99
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
No amount is too small to kick-start your savings journey when you're earning up to 4.25% APY.
Earn up to 4.00% APY with tiered rates. Up to 3 withdrawals a month.
$10,000.00 - $74,999.99
$125,000.00 - $250,000
For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Preferred
Qualifying balance up to $49,999.99
$15,000+
New money only
New money only
Special Offer; Apply online with just a few clicks and put your business on a better path.
Tier: $25,000 minimum
No minimum deposit required when you open a Business Money Market Account. A balance of $0.01 is required to earn interest.
Rate accurate as of the date shown and may change at any time without notice. Up to six (6) withdrawals or transfers per statement cycle are permitted.
Personal, Business, Non-profit, Trusts, Estates
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00
New money only. Daily balances at or below $24,999.99 earn an APY of 1.50%. This account has no check writing privileges.
Tier 5 rate. APY accurate as of 12/18/2025. Subject to change.
APY for 6 months
Tier: $250,000 and over
$500,000 and Over
Personal, Business, Non-profit, Trusts, Estates
Tier: $1,000,000 and over
Variable rate product. Subject to change after account opening.
Tier 4 rate. APY accurate as of 12/18/2025. Subject to change.
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.
Herkimer, NY Money Market Rate Trends
Compare local Herkimer, 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 Herkimer, 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 Herkimer, 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 Herkimer, 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 Herkimer, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Herkimer, New York safe?
How often do MMA rates change in Herkimer, 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 Herkimer, New York?
Best Money Market Rates in Herkimer, New York
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - AmeriCU Credit Union
High Rate Money Market — 3.00% APY - First Source Federal Credit Union
Business Money Market — 1.80% APY - Adirondack Bank
Money Market IRA+ Tier 3 — 0.10% APY - Carver Federal Savings Bank
Money Market Accounts — 4.25% APY
