Best Money Market Rates in Watertown, New York - June 2026

$100; Enhanced Loyalty Rewards up to 2.60%

$100; Enhanced Loyalty Rewards up to 2.55%

$100; Enhanced Loyalty Rewards up to 2.50%

$100; Enhanced Loyalty Rewards up to 2.45%

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!

Preferred Rate

Apple Choice Banking Program

Interest Income Benefit $5,000; Yearly Fee Savings $2,420.00

Preferred rates. Standard rates: 0.15% APY.

Preferred rates. Standard rates: 0.03% APY.

No minimum deposit required when you open a Business Money Market Account. No service charges or monthly fees.

Qualifying balance up to $1,000.00

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.

$1,000,000.00 and over

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.

$500,000.00 - $999,999.99

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

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.

$100,000.00 - $249,999.99

which is 70% of the indexed rate

$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.

$250,000.01 - $500,000.00