Best Money Market Rates in Pennsylvania - July 2026

For a deposit balance up to $49,999.99

Save more with rates up to 3.50% APY and still have flexible access to your money.

Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.

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.

As Low As; Make more of your money. Earn as much as 3.45 % APY

New Money Required. No Maximum deposit. During any month in which the average daily balance falls below $2,500, a monthly maintenance fee of $10 will be applied. APY assumes that dividends are reinvested. Withdrawal of dividends will reduce earnings. Earnings may be reduced if fees are incurred. Rates are subject to change without notice.

Money Market Tier Balances: $100,000 +

Annual Percentage Yield (APY) is effective as of July 11, 2026 on balances of $100,000 or greater and is subject to change. Other tiers and APYs that are subject to change at any time are as follows: $0.01 - $9,999.99 = 0.03%, $10,000 - $24,999.99 = 1.50%, $25,000 - $49,999.99 = 1.75%, $50,000 - $99,999.99 = 2.00% and $100,000+ = 3.00%. Fees assessed to accounts may reduce earnings. Personal Accounts only.

Special APY requires $50,000 minimum balance.

Earn as much as

Balance: $100,000.01 or greater

APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum balance required to earn the stated APY listed above. MC Federal Credit Union membership is required.

See Details; (new money only)

Balance: $1,000,000 & Over

Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.

June 2026 Declared APR: 2.60%, APY*: 2.63%; July 2026 Anticipated APR: 2.60%, APY*: 2.63%

Balances exceeding $15,000. Self-service transfers allowed! Gain full control over your money market balance Transfer funds within our mobile app and online banking applications

Balances $15,000 or more

June 2026 Declared: APR 2.55%, APY* 2.58%; July 2026 Anticipated: APR 2.55%, APY* 2.58%

June 2026 Declared APR: 2.55%, APY*: 2.58%; July 2026 Anticipated APR: 2.55%, APY*: 2.58%

June 2026 Declared: APR 2.50%, APY* 2.53%; July 2026 Anticipated: APR 2.50%, APY* 2.53%

Compounding Frequency: Monthly

June 2026 Declared APR: 2.50%, APY*: 2.53%; July 2026 Anticipated APR: 2.50%, APY*: 2.53%

Interest Compounded: Monthly

Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.

Member needs to meet minimum requirements to qualify.

Dividends earned on balances of $2,500 or more. Write up to a total of 6 checks per month.

Balances between $5,001 - $15,000. No self-service transfers permitted.

APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum balance required to earn the stated APY listed above. MC Federal Credit Union membership is required.

Balances $5,000-$14,999

Dividends Posted Monthly. Minimum $50,000 balance required to earn the stated APY. Fees may reduce earnings. MC Federal Credit Union membership is required.

Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.

As high as 2.02% APY.