Best Money Market Rates in Saratoga Springs, New York - June 2026
Content reviewed by
Brian McKay
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Brian McKay
Brian McKay
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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.
Current Saratoga Springs, New York and the surrounding area money market deposit account rates include Citizens BankCitizens Bank1 Ballston Ave, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, Sunmark Credit UnionSunmark Credit Union3090 Route 50, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 10.99% Money Market Accounts at 3.25% APY, Broadview Federal Credit UnionBroadview Federal Credit Union815 N Broadway, Saratoga Springs, NY 12866 1632A+5.0 ★Texas Ratio: 6.28% Money Market at 3.05% APY, FNB of ScotiaFNB of Scotia3013 Route 50, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 8.63% Tiered Money Market Accounts at 2.01% APY, and TrustCo BankTrustCo Bank3065 Route 50, Saratoga Springs, NY 12866A+5.0 ★Texas Ratio: 3.16% Money Market at 1.48% APY. Money market rates as of June 3, 2026 according to verified data from MonitorBankRates.
Saratoga Springs has 8 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 1 Ballston Ave, Saratoga Springs, NY 12866. 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 Saratoga Springs, New York and surrounding area. Last Updated and Verified: June 3, 2026
Compare the Best Money Market Rates Today in Saratoga Springs, 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%
1 Ballston Ave, Saratoga Springs, NY 12866
Citizens Private Client® Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Preferred rates. Standard rates: 0.15% APY.
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1 Ballston Ave, Saratoga Springs, NY 12866
Citizens Quest® Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Preferred rates. Standard rates: 0.03% APY.
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Signature Money Market
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Accounts
3.25%
$500
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Signature Money Market
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Accounts
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Accounts
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Signature Money Market
2.75%
$500
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Signature Money Market
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Accounts
2.50%
$500
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Tiered Money Market Accounts
2.01%
$10,000
▼
Rate1.99%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Tiered Money Market Accounts
1.53%
$10,000
▼
Rate1.52%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Business Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
1.48%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$2,000,000 to $4,999,999.99
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Savings
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
As High As
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Account
1.25%
$500
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Tiered Money Market Accounts
1.01%
$10,000
▼
Rate1.01%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
1.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$2,000,000 to $4,999,999.99
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Account
1.00%
$500
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
Corporate High Peaks Tiered Money Market I
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
High Peaks Tiered Money Market I
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
(4)
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$500,000 to $1,999,999.99
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
0.96%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$100,000 to $499,999.99
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
0.77%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$50,000 to $99,999.99
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
0.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$15,000 to $49,999.99
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
0.75%
$0
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Account
0.75%
$500
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Tiered Money Market Accounts
0.65%
$10,000
▼
Rate0.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Account
0.50%
$500
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Business Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
Corporate High Peaks Tiered Money Market II
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
High Peaks Tiered Money Market II
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
(4)
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
0.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$500,000 to $1,999,999.99
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$100,000 to $499,999.99
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Money Market Premium
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Premium Money Market
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
High Peaks Tiered Money Market III
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
(4)
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
Corporate High Peaks Tiered Money Market III
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Money Market Premium
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Dividends compounded monthly. No minimum to open. $75,000 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Premium Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Accounts
0.20%
$500
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
3090 Route 50, Saratoga Springs, NY 12866
Money Market Account
0.20%
$500
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
High Peaks Tiered Money Market IV
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
(4) (5)
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
Corporate High Peaks Tiered Money Market IV
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
(6)
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1 Ballston Ave, Saratoga Springs, NY 12866
Citizens Private Client® Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Standard rates.
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
815 N Broadway, Saratoga Springs, NY 12866 1632
Money Market
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Money Market
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Personal Prestige IMMA
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$50,000 to $99,999.99
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Money Market
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Balance: >$1,000,000
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
0.08%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$15,000 to $49,999.99
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Money Market
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Balance: $500,000 - $999,999
Adirondack Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
Money Market (MMDA)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
(3)
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Personal Prestige IMMA
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Balance range: $1,000 - $24,999
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Money Market
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Balance: $100,000 - $499,999
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Money Market
0.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
$0 to $14,999.99
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Money Market
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1 Ballston Ave, Saratoga Springs, NY 12866
Citizens Quest® Money Market
0.03%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Standard rates.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Money Market
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Balance range: $1,000 - $24,999
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
1 Ballston Ave, Saratoga Springs, NY 12866
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Standard rates.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Personal Prestige IMMA
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Balance less than $1,000
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Money Market
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Balance: < $1,000
Carver Federal Savings Bank
Institution Rating:
C3.9 ★ Texas Ratio: 28.07%
Money Market Accounts & High Yield Savings
4.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
High Yield Money Market Account
4.00%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
High-Yield Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
Smart Move Money Market
3.75%
$0
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Balance tiers: $10,000.00 - $74,999.99
The Upstate National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Deposit Account
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Business Money Market
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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!
Visions Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Flex Money Market
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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!
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Apple Choice Money Market Account Preferred Rate
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Apple Choice Banking Program
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Choice Money Market
3.55%
$0
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Preferred Rate
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
New money only
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Money Market (IRA)
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
New money only
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$15,000+
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
SMART Money Market Account
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$1,000,000.00 and over
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Interest Income Benefit $5,000; Yearly Fee Savings $2,420.00
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Founders Money Market
3.50%
$0
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Piermont Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
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.
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
Pioneer Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Qualifying balance up to $1,000.00
Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
No minimum deposit required when you open a Business Money Market Account. No service charges or monthly fees.
SJP Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
Money Market
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Money Market Account
3.25%
$1,500
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 7, 2026
Details
Unrestricted Savings Account - Interest Compounded Monthly
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
High Interest Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
Business & Public Funds Premium Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
As high as as
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
High Rate Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Signature Money Market
3.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
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MonitorBankRates
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 Saratoga Springs, 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.
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.
Saratoga Springs, NY Money Market Rate Trends
Compare local Saratoga Springs, 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.
High-Yield MMA — NY Avg
3.328%
▲ 0.019 vs 7 days ago
New York high-yield MMA rates rose 0.019 points over the past 7 days to 3.328% APY.
Standard MMA — NY Avg
0.643%
▲ 0.002 vs 7 days ago
New York standard MMA rates rose 0.002 points over the past 7 days to 0.643% APY.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, New York
Here are some of the highest money market account APYs currently available in Saratoga Springs, New York and the surrounding area:
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - Sunmark Credit Union
Money Market Accounts — 3.25% APY - Broadview Federal Credit Union
Money Market — 3.05% APY - FNB of Scotia
Tiered Money Market Accounts — 2.01% APY - TrustCo Bank
Money Market — 1.48% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Saratoga Springs, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: June 3, 2026
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