Best Money Market Rates in New Hartford, New York - July 2026

Tier 5; Balance: $5,000,000 +

Tier 3; Balance: $250,000 - $1,999,999.99

Tier 1; Balance: $0.00 - $99,999.99

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

National Average 0.08 APY

Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.

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.

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.

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.

Tiered rates.

Minimum Balance to Earn Dividend: $150,000 - $199,999.99

Standard Rate: 1.00%, Standard APY: 1.00%

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.

$1,000,000

Tiered rates.

Tiered and Variable Rate. $20.00 minimum balance fee will apply if average daily balance falls below $100,000.00

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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

Standard Rate: 0.90%, Standard APY: 0.90%

The service is only available to business customers and may not be used for personal, family, or household purposes

Balance: $1,000,000 & Over

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. No monthly maintenance fees. Easy transfers. No charge for mobile banking, online banking & eStatements.

70% of the indexed rate

Tiered and Variable Rate. $20.00 minimum balance fee will apply if daily balance falls below $1,000.00

Minimum Balance to Earn Dividend: $50,000 - $99,999.99

Standard Rate: 0.80%, Standard APY: 0.80%

$300,000

Tiered rates.

As High As

$250,000