Best Money Market Rates in Ithaca, New York - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Ithaca, New York and the surrounding area money market deposit account rates include Visions Federal Credit UnionVisions Federal Credit Union408 Elmira Rd, Ithaca, NY 14850A+5.0 ★Texas Ratio: 4.19% Business Money Market at 3.60% APY, Citizens BankCitizens Bank2300 N Triphammer Rd, Ithaca, NY 14850A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, Beginnings Credit UnionBeginnings Credit Union1030 Craft Rd, Ithaca, NY 14850A+5.0 ★Texas Ratio: 4.71% Business Money Market Savings at 0.75% APY, Chemung Canal Trust CompanyChemung Canal Trust Company304 Elmird Road, Ithaca, NY 14850A+5.0 ★Texas Ratio: 4.40% Money Market at 0.10% APY, and Carver Federal Savings BankCarver Federal Savings BankC3.9 ★Texas Ratio: 28.07% Money Market Accounts & High Yield Savings at 4.25% APY. Money market rates as of June 3, 2026 according to verified data from MonitorBankRates.
Ithaca has 4 local institutions in our database, with money market rates as high as 3.60% APY from Visions Federal Credit Union at 408 Elmira Rd, Ithaca, NY 14850. 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 Ithaca, New York and surrounding area. Last Updated and Verified: June 3, 2026
Compare the Best Money Market Rates Today in Ithaca, New York & the Surrounding Area
Money Market Offer: Earn up to 3.60% APY!* For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Money Market Offer: Earn up to 3.60% APY!* For six months when you become a new member and open a Flex Money Market or Business Money Market account!
Preferred rates. Standard rates: 0.03% APY.
Preferred rates. Standard rates: 0.15% APY.
Standard rates.
Balance: >$1,000,000
Balance: $500,000 - $999,999
Balance: $100,000 - $499,999
Balance range: $1,000 - $24,999
Standard rates.
Balance range: $1,000 - $24,999
Standard rates.
Balance less than $1,000
Balance: < $1,000
Balance tiers: $10,000.00 - $74,999.99
Apple Choice Banking Program
Preferred Rate
$15,000+
$1,000,000.00 and over
New money only
Earn 3.50% APY* on Your Business Money Market Account. Apply online with just a few clicks and put your business on a better path.
New money only
Qualifying balance up to $1,000.00
Interest Income Benefit $5,000; Yearly Fee Savings $2,420.00
No minimum deposit required when you open a Business Money Market Account. No service charges or monthly fees.
Balance range: $250,000-$1,000,000
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
Balance range: $1,000,001-$1,500,000
New money only. Variable rate product; rates may change. Daily balances at or below $24,999.99 earn an APY of 1.50%. No check writing privileges.
$500,000.00 - $999,999.99
Unrestricted Savings Account - Interest Compounded Monthly
Tiered rates that grow as you save more. Easy transfers. No charge for mobile banking, online banking & eStatements. Tier 1- If your daily balance is $0.00 up to $24,999.99 you will earn an interest rate of 0.00% and an APY of 0.00%. Tier 2- If your daily balance is $25,000.00 up to $99,999.99 you will earn an interest rate of 2.56% with 2.60% APY. Tier 3- If your daily balance is $100,000.00 up to $249,999.99 you will earn an interest rate of 2.71% with a 2.75% APY. Tier 4- If your daily balance is $250,000.00 up to $499,999.99 you will earn an interest rate of 2.81% with a 2.85% APY. Tier 5- If your daily balance is $500,000.00 or more you will earn an interest rate of 3.06% with a 3.10% APY.
Standard Rate
As high as as
$250,000.00 - $499,999.99
Premier Money Market requires a minimum balance of $2,500 to obtain the stated APY.
Variable rate product. $5,000 minimum daily balance required to earn interest & avoid a $10 monthly service fee. Check writing privileges. Unlimited transfers. Free online bill pay. Free online & mobile banking. Free eStatements. Free ATM/debit card. Surcharge-free ATM transactions at over 55,000 participating Allpoint ATMs.
Balance $1,000,000.01 + Average Daily Bal. Compound Monthly
$1,000,000
As High As
$100,000.00 - $249,999.99
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.
Ithaca, NY Money Market Rate Trends
Compare local Ithaca, 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 0.019 points over the past 7 days to 3.328% APY.
New York standard MMA rates rose 0.002 points over the past 7 days to 0.643% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ithaca, 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 Ithaca, 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 Ithaca, 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 Ithaca, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Ithaca, New York safe?
How often do MMA rates change in Ithaca, 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 Ithaca, New York?
Best Money Market Rates in Ithaca, New York
- Visions Federal Credit Union
Business Money Market — 3.60% APY - Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - Beginnings Credit Union
Business Money Market Savings — 0.75% APY - Chemung Canal Trust Company
Money Market — 0.10% APY - Carver Federal Savings Bank
Money Market Accounts & High Yield Savings — 4.25% APY
