Best Money Market Rates in Lily Dale, New York - June 2026
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Brian McKay
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Current Lily Dale, New York and the surrounding area money market deposit account 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: 4.05% High-Yield Money Market at 4.00% APY, Ridgewood Savings BankRidgewood Savings BankA5.0 ★Texas Ratio: 7.75% Smart Move Money Market at 3.75% APY, The Upstate National BankThe Upstate National BankA+5.0 ★Texas Ratio: 0.00% Money Market Deposit Account at 3.70% APY, and Visions Federal Credit UnionVisions Federal Credit UnionA+5.0 ★Texas Ratio: 4.19% Business Money Market at 3.60% APY. Money market rates as of June 3, 2026 according to verified data from MonitorBankRates.
Lily Dale 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 Lily Dale residents, with money market rates as high as 4.25% APY from Carver Federal Savings Bank. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Lily Dale, New York and surrounding area. Last Updated and Verified: June 3, 2026
Compare the Best Money Market Rates Today in Lily Dale, New York & the Surrounding Area
Balance tiers: $10,000.00 - $74,999.99
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 Rate
Apple Choice Banking Program
$1,000,000.00 and over
New money only
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.
Qualifying balance up to $1,000.00
$15,000+
No minimum deposit required when you open a Business Money Market Account. No service charges or monthly fees.
Interest Income Benefit $5,000; Yearly Fee Savings $2,420.00
Preferred rates. Standard rates: 0.03% APY.
Preferred rates. Standard rates: 0.15% APY.
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
Unrestricted Savings Account - Interest Compounded Monthly
$500,000.00 - $999,999.99
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.
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
Premier Money Market requires a minimum balance of $2,500 to obtain the stated APY.
$250,000.00 - $499,999.99
As high as as
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
As High As
$1,000,000
$100,000.00 - $249,999.99
which is 70% of the indexed rate
$300,000
$500,000.01 and over
No Commitments. Withdraw anytime. The more you deposit, the higher your rate. $10,000 Minimum To Receive Promotional Rates. New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender. Annual Percentage Yield (APY) shown is accurate as of 12/15/2025. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
As High as
$250,000
No Commitments. Withdraw anytime. The more you deposit, the higher your rate. $10,000 Minimum To Receive Promotional Rates. New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender. Annual Percentage Yield (APY) shown is accurate as of 12/15/2025. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
$250,000.01 - $500,000.00
$100,000
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.
Lily Dale, NY Money Market Rate Trends
Compare local Lily Dale, 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 Lily Dale, 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 Lily Dale, 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 Lily Dale, 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 Lily Dale, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Lily Dale, New York safe?
How often do MMA rates change in Lily Dale, 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 Lily Dale, New York?
Best Money Market Rates in Lily Dale, New York
- Carver Federal Savings Bank
Money Market Accounts & High Yield Savings — 4.25% APY - UFirst Federal Credit Union
High-Yield Money Market — 4.00% APY - Ridgewood Savings Bank
Smart Move Money Market — 3.75% APY - The Upstate National Bank
Money Market Deposit Account — 3.70% APY - Visions Federal Credit Union
Business Money Market — 3.60% APY
