Highest Money Market Rates in New York
58 New York-specific accounts
Top New York Rate:3.80% APYFDIC or NCUA Insured
The New York market
New York accounts
58
Institutions
39
Top New York APY
3.80% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
58 money market accounts are open only to New York residents, from 39 institutions. The highest advertised APY among them is 3.80%.
The highest nationally available rate is 4.00% APY, 20 basis points above the New York leader.
28 of the 58 New York money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
New York-Specific Money Market Accounts
Money market accounts specifically available to New York residents.
| Institution | Product / Term | APY |
|---|---|---|
| International Bank of Chicago | Premier Money Marketup to $1,000,000 only | 3.80% |
| International Bank of Chicago | Money Market Accountneeds at least $250,000 | Up to3.75% |
| The Upstate National Bank | Money Market Deposit Accountneeds at least $100,000 | Up to3.70% |
| BankUnited, National Association | Promotional Money Market Account | 3.50% |
| New Millennium Bank | SMART Money Market Accountneeds at least $1,000,000 | 3.50% |
| Pathfinder Bank | Premier Money Market Deposit Account 6-Month Intro Rate | 3.50% |
| Global Bank | Personal Money Marketneeds at least $250,000 | Up to3.25% |
| Popular Bank | Popular Saver Money Marketneeds at least $250,000 | Up to3.25% |
| Esquire Bank, National Association | Money Market Savings | 3.05% |
| The First Bank of Greenwich | Elite Money Marketneeds at least $1,000,000 | Up to3.04% |
| 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% |
| Bankwell Bank | Smart Money Market | 2.75% |
| Pathfinder Bank | Premier Money Market Deposit Accountneeds at least $250,000 | 2.75% |
| Sawyer Savings Bank | Preferred Money Marketneeds at least $1,000,000 | Up to2.75% |
| New Millennium Bank | Money Market Accountneeds at least $500,000.01 | Up to2.50% |
| First National Bank of Scotia | Tiered Money Market Accountneeds at least $1,500,000 | Up to2.31% |
| Bank of Utica | Personal MMAup to $5,000,000 only | 2.20% |
| Champlain National Bank | Champlain Privilege Money Marketneeds at least $75,000 · needs a linked account at the bank | Up to1.29% |
| Champlain National Bank | Champlain Money Marketneeds at least $75,000 | Up to1.26% |
| Gouverneur Savings and Loan Association | Money Market Checkingneeds at least $50,000.01 | Up to1.01% |
| The North Country Savings Bank | Money Market Advantage Accountneeds at least $75,000 | Up to1.01% |
| Solvay Bank | Money Market Advantageneeds at least $250,000 | 1.00% |
| The Adirondack Trust Company | High Peaks Tiered Money Marketneeds at least $200,000 | Up to1.00% |
| Geddes Federal Savings and Loan Association | Premier Money Marketneeds at least $250,000 | Up to0.80% |
| Solvay Bank | Money Market Accountneeds at least $250,000 | Up to0.75% |
| Bank of Holland | Money Marketneeds at least $200,000 | Up to0.70% |
| Geddes Federal Savings and Loan Association | Money Marketneeds at least $250,000 | Up to0.70% |
| Habib American Bank | Money Market | 0.60% |
| Wallkill Valley Federal Savings and Loan Association | Statement Money Marketneeds at least $50,000 | Up to0.51% |
| Wallkill Valley Federal Savings and Loan Association | Premier Money Marketneeds at least $600,000 | 0.51% |
| Maspeth Federal Savings and Loan Association | Money Market | 0.50% |
| Cross County Savings Bank | Premier Money Marketneeds at least $15,000 | 0.40% |
| Cross County Savings Bank | Money Marketneeds at least $75,000.01 | Up to0.40% |
| Pathfinder Bank | Money Market Deposit Accountneeds at least $75,000 | Up to0.35% |
| PS Bank | Money Marketneeds at least $50,000 | Up to0.30% |
| The Bank of Princeton | Princeton Money Market | 0.30% |
| The Delaware National Bank of Delhi | Insured Money Market Account (IMMA)needs at least $25,000 | Up to0.30% |
| The First National Bank of Groton | Money Market Investment Accountneeds at least $250,000 | Up to0.30% |
| Alma Bank | Personal Money Marketneeds at least $25,000 | Up to0.20% |
| Empire State Bank | Personal Money Marketneeds at least $100,000 | Up to0.20% |
| Haven Savings Bank | Money Market Account | 0.20% |
| Ulster Savings Bank | Select Money Marketneeds at least $75,000 | Up to0.20% |
| First Horizon Bank | Money Market Savingsneeds at least $50,000 | Up to0.15% |
| First Horizon Bank | TotalView Money Market Savingsneeds at least $50,000 · needs a linked account at the bank | Up to0.15% |
| The First Bank of Greenwich | Special Money Marketneeds at least $25,000 | Up to0.15% |
| Pioneer Bank, National Association | Pinnacle Money Marketneeds at least $1,000,000 | Up to0.10% |
| The First Bank of Greenwich | Preferred Money Marketneeds at least $100,000 | Up to0.10% |
| The First Bank of Greenwich | Money Marketneeds at least $2,500 | 0.10% |
| Watertown Savings Bank | Money Market Deposit Account | 0.10% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in New York.
| 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% |