Best Money Market Rates in Lacona, New York - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current Lacona, New York and the surrounding area money market deposit account rates include Pathfinder BankPathfinder Bank1897 Harwood Dr, Lacona, NY 13083A5.0 ★Texas Ratio: 12.40% Premier Money Market Deposit Account 6-Month Intro Rate at 3.50% APY, Piermont BankPiermont BankA+5.0 ★Texas Ratio: 5.99% High-Yield MMA Promotion at 3.75% APY, Apple Bank for SavingsApple Bank for SavingsA+5.0 ★Texas Ratio: 1.54% Apple Choice Money Market Account Preferred Rate at 3.55% APY, Pioneer Bank Albany, NYPioneer Bank Albany, NYA5.0 ★Texas Ratio: 6.71% Pioneer Money Market at 3.50% APY, and New Millennium BankNew Millennium BankA+5.0 ★Texas Ratio: 3.04% SMART Money Market Account at 3.50% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Lacona has 1 local institution in our database, with money market rates as high as 3.50% APY from Pathfinder Bank at 1897 Harwood Dr, Lacona, NY 13083. 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 Lacona, New York and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Lacona, New York & the Surrounding Area
Earn Up to 3.75% APY* on Your Business Money Market Account. Apply online with just a few clicks and put your business on a better path.
Apple Choice Banking Program
Money market rate that's over 5x the national average. No service charges or monthly fees.
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
National Average 0.08 APY
Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99
Savings, Money Market, IRA, and Club Accounts are variable rate accounts and rates may change after account opening. Dividends on Savings, Money Market, IRA, and Club Accounts are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends, and dividends will not be paid if the account is closed prior to month-end. Money Market and IRA rates shown reflect anticipated monthly dividends and may change based on market conditions.
Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00
New money only. Variable rate product. Daily balances at or below $24,999.99 earn an APY of 1.50%. No check writing privileges.
Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00
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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.
Standard Rate: 1.00%, Standard APY: 1.00%
Minimum Balance to Earn Dividend: $150,000 - $199,999.99
Tiered rates.
As high as
Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00
Special APY requires $50,000 minimum balance.
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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.
The service is only available to business customers and may not be used for personal, family, or household purposes
Tiered rates.
$1,000,000
Standard Rate: 0.90%, Standard APY: 0.90%
Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00
Balance: $1,000,000 & Over
Tiered rates.
$300,000
Standard Rate: 0.80%, Standard APY: 0.80%
Minimum Balance to Earn Dividend: $50,000 - $99,999.99
As High As
$250,000
$100,000
$100,000 - $249,999
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.
Lacona, NY Money Market Rate Trends
Compare local Lacona, 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 0.008 points over the past 7 days to 3.229% APY.
New York standard MMA rates fell 0.032 points over the past 7 days to 0.547% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lacona, 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 Lacona, 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 Lacona, 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 Lacona, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Lacona, New York safe?
How often do MMA rates change in Lacona, 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 Lacona, New York?
Best Money Market Rates in Lacona, New York
- Pathfinder Bank
Premier Money Market Deposit Account 6-Month Intro Rate — 3.50% APY - Piermont Bank
High-Yield MMA Promotion — 3.75% APY - Apple Bank for Savings
Apple Choice Money Market Account Preferred Rate — 3.55% APY - Pioneer Bank Albany, NY
Pioneer Money Market — 3.50% APY - New Millennium Bank
SMART Money Market Account — 3.50% APY
