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Best Money Market Rates in Poughkeepsie, New York (NY) - May 2026

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: May 12, 2026

Current Poughkeepsie, New York and the surrounding area money market deposit account rates include Citizens BankCitizens Bank32 Vassar Rd, Poughkeepsie, NY 12603A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% APY, Mid-Hudson Valley Federal Credit UnionMid-Hudson Valley Federal Credit Union21 Burnett Blvd, Poughkeepsie, NY 12603A+5.0 ★Texas Ratio: 3.69% Money Market at 2.75% APY, Ulster Savings BankUlster Savings Bank39 Burnett Blvd, Poughkeepsie, NY 12603A+5.0 ★Texas Ratio: 5.39% Non-Profit Select Money Market Account Tier VI at 2.50% APY, Hudson Valley Credit UnionHudson Valley Credit Union2373 South Rd, Poughkeepsie, NY 12601 5585A+5.0 ★Texas Ratio: 3.95% Business Tiered Money Market Accounts Fifth Tier at 2.25% APY, and TrustCo BankTrustCo Bank2656 S Rd (rt 9), Poughkeepsie, NY 12601A+5.0 ★Texas Ratio: 3.16% Money Market at 1.58% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Poughkeepsie has 6 local institutions in our database, with money market rates as high as 3.75% APY from Citizens Bank at 32 Vassar Rd, Poughkeepsie, NY 12603. 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 Poughkeepsie, New York and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Poughkeepsie, New York & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
32 Vassar Rd, Poughkeepsie, NY 12603
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
32 Vassar Rd, Poughkeepsie, NY 12603
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Money Market
2.75%
$1,000,000
View
▼
Rate2.72%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 7, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Money Market
2.50%
$300,000
View
▼
Rate2.47%
Min Deposit$300,000
Min Balance—
UpdatedMay 7, 2026
Details

$300,000

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Non-Profit Select Money Market Account Tier VI
2.50%
$2,500
View
▼
Rate2.44%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business Tiered Money Market Accounts Fifth Tier
2.25%
$0
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Money Market
2.25%
$100,000
View
▼
Rate2.23%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details

$100,000

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business Tiered Money Market Accounts Fourth Tier
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Non-Profit Select Money Market Account Tier V
1.65%
$2,500
View
▼
Rate1.62%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
1.58%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business Tiered Money Market Accounts Third Tier
1.50%
$0
View
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Non-Profit Select Money Market Account Tier IV
1.45%
$2,500
View
▼
Rate1.42%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Non-Profit Select Money Market Account Tier III
1.35%
$2,500
View
▼
Rate1.33%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Non-Profit Select Money Market Account Tier II
1.20%
$2,500
View
▼
Rate1.18%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Non-Profit Select Money Market Account Tier I
1.10%
$2,500
View
▼
Rate1.08%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
1.09%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
1.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
1.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Money Market
1.00%
$50,000
View
▼
Rate1.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 7, 2026
Details

$50,000

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
0.86%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
0.85%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TEG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Money Market Accounts
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

TEG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Business Money Market Accounts
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Tiered Money Market Accounts Fifth Tier
0.50%
$0
View
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
0.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
0.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Tiered Money Market Accounts Fourth Tier
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Tiered Money Market
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

TEG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Business Money Market Accounts
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

TEG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Money Market Accounts
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Select Money Market Tier III
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Tiered Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Tiered Money Market Accounts Third Tier
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Money Market
0.20%
$25,000
View
▼
Rate0.20%
Min Deposit$25,000
Min Balance—
UpdatedMay 7, 2026
Details

$25,000

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Select Money Market Tier IV
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

or higher

TEG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Money Market Accounts
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business Tiered Money Market Accounts First Tier
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Select Money Market Tier II
0.15%
$2,500
View
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Money Market
0.15%
$2,500
View
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

$2,500 +

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Tiered Money Market Accounts Second Tier
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business Tiered Money Market Accounts Second Tier
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

TEG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Business Money Market Accounts
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Tiered Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
Tiered Money Market Accounts First Tier
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
32 Vassar Rd, Poughkeepsie, NY 12603
Citizens Private Client® Money Market
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Tiered Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Money Market
0.10%
$2,500
View
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Less than $2,500

Ulster Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
39 Burnett Blvd, Poughkeepsie, NY 12603
Select Money Market Tier 1
0.10%
$2,500
View
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
0.08%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Tiered Money Market
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2656 S Rd (rt 9), Poughkeepsie, NY 12601
Money Market
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
21 Burnett Blvd, Poughkeepsie, NY 12603
Money Market
0.05%
$1,000
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
32 Vassar Rd, Poughkeepsie, NY 12603
Citizens Quest® Money Market
0.03%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
32 Vassar Rd, Poughkeepsie, NY 12603
Personal Money Market
0.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.07%
Money Market Accounts & High Yield Savings
4.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
High-Yield Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
High Yield Money Market Account
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
Smart Move Money Market
3.75%
$10,000
View
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details

The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Deposit Account
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Money Market
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

For six months when you become a new member and open a Flex Money Market or Business Money Market account!

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account Preferred Rate
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Apple Choice Banking Program

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New money only

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000+

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New money only

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
4-month Pioneer Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Business Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Business Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No service charges or monthly fees.

Spring Bank Bronx, NY
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
Money Market
3.50%
$500
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Minimum Average Daily Balance to Earn APY: $500 to $999,999.99

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.50%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Founders Money Market for Business
3.50%
$0
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Founders Money Market
3.50%
$0
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Newtek Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Platinum Money Market (Personal, Business, Non-profit, Trusts, Estates)
3.35%
$10,000
View
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Money Market Account
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

SJP Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 12.22%
Platinum Money Market Shares
3.30%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00

New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.25%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details

$100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Money Market Account
3.25%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details

Unrestricted Savings Account - Interest Compounded Monthly

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Money Market Accounts
3.25%
$500
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Signature Money Market
3.25%
$500
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★ Texas Ratio: 22.84%
Premier Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
Business & Public Funds Premium Money Market Savings
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
High Interest Money Market Savings
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
High Rate Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Signature Money Market
3.00%
$500
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Money Market Accounts
3.00%
$500
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
Money Markets
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

As high as as

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
3.00%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
Business & Public Funds Premium Money Market Savings
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
High Interest Money Market Savings
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
Money Market
2.84%
$0
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Balance $1,000,000.01 + Average Daily Bal. Compound Monthly

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Poughkeepsie, New York and the surrounding area.

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.

Poughkeepsie, NY Money Market Rate Trends

Compare local Poughkeepsie, 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.

View Full New York MMA Trends →
High-Yield MMA — NY Avg
3.343%
Unchanged vs 7 days ago

New York high-yield MMA rates currently average 3.343% APY.

Standard MMA — NY Avg
0.595%
Unchanged vs 7 days ago

New York standard MMA rates currently average 0.595% APY.

As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Poughkeepsie, 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 Poughkeepsie, 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 Poughkeepsie, New York

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in New York.

Are Money Market accounts in Poughkeepsie, New York safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New York up to $250,000 per depositor, per institution.

How often do MMA rates change in Poughkeepsie, New York?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New York rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Poughkeepsie, New York?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Poughkeepsie, New York require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Poughkeepsie, New York

Here are some of the highest money market account APYs currently available in Poughkeepsie, New York and the surrounding area:
  • Citizens Bank
    Citizens Private Client® Money Market — 3.75% APY
  • Mid-Hudson Valley Federal Credit Union
    Money Market — 2.75% APY
  • Ulster Savings Bank
    Non-Profit Select Money Market Account Tier VI — 2.50% APY
  • Hudson Valley Credit Union
    Business Tiered Money Market Accounts Fifth Tier — 2.25% APY
  • TrustCo Bank
    Money Market — 1.58% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Poughkeepsie, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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