Best Money Market Rates in Troy, New York - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Troy, New York and the surrounding area money market deposit account rates include Citizens BankCitizens Bank125 Stephenson Hwy, Troy, MI 48083A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, Pioneer Bank Albany, NYPioneer Bank Albany, NY712 Hoosick Rd, Troy, NY 12180A5.0 ★Texas Ratio: 6.71% Pioneer Money Market at 3.50% APY, Sunmark Credit UnionSunmark Credit Union722 Hoosick Rd, Troy, NY 12180 8822A5.0 ★Texas Ratio: 10.99% Money Market Accounts at 3.25% APY, Broadview Federal Credit UnionBroadview Federal Credit Union256 Hoosick St, Troy, NY 12180A+5.0 ★Texas Ratio: 6.28% Money Market at 3.05% APY, and TrustCo BankTrustCo Bank1700 5th Ave, Troy, NY 12180A+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.
Troy has 7 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 125 Stephenson Hwy, Troy, MI 48083. 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 Troy, New York and surrounding area. Last Updated and Verified: June 3, 2026
Compare the Best Money Market Rates Today in Troy, New York & the Surrounding Area
Preferred rates. Standard rates: 0.15% APY.
Qualifying balance up to $1,000.00
Preferred rates. Standard rates: 0.03% APY.
$2,000,000 to $4,999,999.99
As High As
$2,000,000 to $4,999,999.99
$500,000 to $1,999,999.99
$100,000 to $499,999.99
$50,000 to $99,999.99
$15,000 to $49,999.99
$500,000 to $1,999,999.99
$100,000 to $499,999.99
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.
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.
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.
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.
Standard rates.
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.
$50,000 to $99,999.99
$15,000 to $49,999.99
$0 to $14,999.99
Standard rates.
Standard rates.
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!
Apple Choice Banking Program
Preferred Rate
$15,000+
New money only
New money only
$1,000,000.00 and over
No minimum deposit required when you open a Business Money Market Account. No service charges or monthly fees.
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.
Interest Income Benefit $5,000; Yearly Fee Savings $2,420.00
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
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.
Unrestricted Savings Account - Interest Compounded Monthly
As high as as
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.
Troy, NY Money Market Rate Trends
Compare local Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, New York
What is a Money Market Account (MMA)?
Are Money Market accounts in Troy, New York safe?
How often do MMA rates change in Troy, 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 Troy, New York?
Best Money Market Rates in Troy, New York
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - Pioneer Bank Albany, NY
Pioneer Money Market — 3.50% APY - Sunmark Credit Union
Money Market Accounts — 3.25% APY - Broadview Federal Credit Union
Money Market — 3.05% APY - TrustCo Bank
Money Market — 1.48% APY
