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

Standard Rate: 0.50%, Standard APY: 0.50%

Standard Rate: 0.40%, Standard APY: 0.40%

Enhanced Loyalty Rewards: up to 2.60%

Enhanced Loyalty Rewards: up to 2.50%

Standard Rate: 0.25%, Standard APY: 0.25%

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

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.

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.

National Average 0.08 APY

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.

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

Special APY requires $50,000 minimum balance.

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

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.

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.

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

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

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

$500,000 or higher

No Commitments. Withdraw anytime. The more you deposit, the higher your rate. 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.

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

No Commitments. Withdraw anytime. The more you deposit, the higher your rate. 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.

60% of the indexed rate