Highest Money Market Rates in New Jersey
36 New Jersey-specific accounts
Top New Jersey Rate:4.03% APYFDIC or NCUA Insured
The New Jersey market
New Jersey accounts
36
Institutions
24
Top New Jersey APY
4.03% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
36 money market accounts are open only to New Jersey residents, from 24 institutions. The highest advertised APY among them is 4.03%.
The highest nationally available rate is 4.00% APY, 3 basis points below the New Jersey leader.
17 of the 36 New Jersey money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
New Jersey-Specific Money Market Accounts
Money market accounts specifically available to New Jersey residents.
| Institution | Product / Term | APY |
|---|---|---|
| GSL Savings Bank | GSL Money Maker Accountneeds at least $25,000 | Up to4.03% |
| New Millennium Bank | SMART Money Market Accountneeds at least $1,000,000 | 3.50% |
| Somerset Regal Bank | Premium Money Market Account | 3.35% |
| Popular Bank | Popular Saver Money Marketneeds at least $250,000 | Up to3.25% |
| First Commerce Bank | Consumer Relationship Money Market | 3.00% |
| GSL Savings Bank | Super Money Market Accountneeds at least $100,000 | Up to3.00% |
| Haven Savings Bank | Step-Up Money Marketneeds at least $25,000 | Up to3.00% |
| The Bank of Princeton | Premier Money Marketup to $49,999 only · promotional rate | Up to3.00% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| New Millennium Bank | Money Market Accountneeds at least $500,000.01 | Up to2.50% |
| First Bank | Relationship Money Marketneeds at least $150,001 · needs a linked account at the bank | Up to2.34% |
| First Commerce Bank | Premier Money Marketneeds at least $50,000 | Up to1.50% |
| Magyar Bank | Advantage Money Marketneeds at least $100,000 | Up to1.50% |
| Monroe Savings Bank | Money Market Accountneeds at least $250,000 | Up to1.50% |
| First Bank | Personal Money Marketneeds at least $150,001 | Up to1.44% |
| Mid Penn Bank | Flex Money Marketneeds at least $1,000,000 | Up to1.25% |
| Ion Bank | Money Market Accountneeds at least $250,000 | Up to1.15% |
| Habib American Bank | Money Market | 0.60% |
| The Pennsville National Bank | Money Market Accountneeds at least $100,000 | Up to0.50% |
| Freedom Bank | Platinum Money Market Account (Personal)needs at least $500,000 | Up to0.40% |
| First Commerce Bank | Money Marketneeds at least $100,000 | Up to0.30% |
| PS Bank | Money Marketneeds at least $50,000 | Up to0.30% |
| The Bank of Princeton | Princeton Money Market | 0.30% |
| Freedom Bank | Choice Money Market Account (Personal) | 0.25% |
| Millville Savings Bank | Tiered Money Market Checkingneeds at least $100,000 | Up to0.25% |
| Alma Bank | Personal Money Marketneeds at least $25,000 | Up to0.20% |
| Haven Savings Bank | Money Market Account | 0.20% |
| Schuyler Savings Bank | Premium Tiered Money Market Accountneeds at least $50,000 | Up to0.20% |
| The First National Bank of Elmer | Money Marketneeds at least $250,000 | Up to0.20% |
| First Hope Bank, A National Banking Association | Gold Money Marketneeds at least $100,000 | Up to0.15% |
| Schuyler Savings Bank | Money Market Passbook | 0.10% |
| Somerset Regal Bank | Money Market Account | 0.10% |
| The Bank of Princeton | Priority Money Marketneeds at least $250,000 | Up to0.07% |
| Northfield Bank | Money Marketneeds at least $2,500 | 0.05% |
| Sturdy Savings Bank | Money Marketneeds at least $100,000 | Up to0.05% |
| Sturdy Savings Bank | Premier Money Marketneeds at least $100,000 | 0.05% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in New Jersey.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |