Citizens Bank Money Market Rates Today: December 16, 2025
Written by
Rudri Bhatt Patel, CFHC™
Edited by
Joe Evans
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If you’re checking Citizens Bank money market rates today, you’re probably deciding whether to keep cash at Citizens or move at least part of it to a higher-yield account. As of mid-December 2025, Citizens still tells a two-part story:
- The Citizens Personal Money Market rate hovers around 0.01% APY in many regions, which makes it more of a convenience account than a growth tool
- The Citizens Quest® Money Market still advertises up to 2.75% APY for preferred relationship customers with at least $25,000 in new money and an eligible Quest checking relationship
For context, the FDIC national money market average is 0.58% APY and the national rate cap is 1.33% APY. At the same time, top online money market accounts pay up to about 4.25% APY and leading high-yield savings accounts reach roughly 4.35% APY in December 2025.
That means Citizens can work if you want branch access and already bank there, but it usually won’t be the top choice if your main goal is to maximize yield.
Citizens Money Market — Today’s Snapshot
| Product | Today’s Example APY* | Key Requirements | Best For |
|---|---|---|---|
| Citizens Personal Money Market | Around 0.01% APY on many tiers | Standard retail MMA, typical minimum daily balance of $2,500 to waive up to a $10 monthly fee | Citizens customers who want a basic, FDIC-insured cash buffer |
| Citizens Quest® Money Market | Up to 2.75% APY preferred, up to 0.15% APY standard | Must have Citizens Quest Checking, $25,000+ in new money to qualify for preferred rate | Relationship clients who want higher yield without leaving Citizens |
| FDIC national MMA average | 0.58% APY | — | Baseline for judging if a money market rate is competitive |
| Top online money market APY | Up to 4.25% APY at leading online banks | Often $100 or less to open, no monthly fee | Rate-focused savers comfortable with online banking only |
*Rates vary by region, balance tier and relationship status and can change at any time. Always confirm Citizens’ current APY in your ZIP code before opening an account.
Today’s Best Money Market Accounts (Alternatives To Citizens)
If you’re willing to move outside Citizens, several banks pay much more on money market balances right now.
Today’s Top 5 Money Market Accounts
| Institution | APY (Today) | Minimum Deposit | Why It Stands Out |
|---|---|---|---|
| Quontic Bank Money Market | 4.25% APY | $100 | Nationally available money market with top-tier APY, debit card and no monthly fee |
| Brilliant Bank Money Market | 4.1% APY | $1,000 | High rate for savers who can meet a slightly higher minimum deposit |
| CFG Bank Money Market | 3.9% APY | $1,000 | Competitive yield with FDIC protection and a modest minimum |
| All America Bank Money Market | 3.85% APY | $1 | Near-top rate with a tiny minimum opening deposit |
| Vio Bank Money Market | 3.77% APY | $100 | Strong APY at a well-known online bank with low barriers to entry |
These APYs are based on recent December 2025 surveys of top money market accounts and are all FDIC-insured deposit accounts, not money market funds. Rates are variable and can change quickly, so it’s smart to double-check the bank’s website before you apply.
How Citizens Bank Money Market Rates Compare Today
Here’s a look at today’s financial prospects:
Citizens vs FDIC National Averages
The FDIC’s November 2025 report shows:
- National money market average: 0.58% APY
- National money market rate cap: 1.33% APY
Compared with that:
- Personal Money Market at roughly 0.01% APY sits far below the national average
- Quest Money Market at 2.75% APY (preferred) is about 4 to 5 times the national average and above the rate cap that applies to weaker banks, though Citizens itself is a well-capitalized regional institution
Citizens vs Top Online Money Market Accounts
Recent rankings show top money market accounts paying up to 4.25% APY as of December 2025, led by online options like Quontic.
On a $50,000 balance:
- At 2.75% APY in Citizens Quest (preferred tier), you’d earn about $1,375 in interest over one year
- At 4.25% APY in a top online money market, you’d earn about $2,125 in interest
That’s a difference of roughly $750 per year just for picking a higher-yield online account, and the gap gets bigger with larger balances.
Citizens Bank Money Market Options Explained
Citizens Personal Money Market
- Around 0.01% APY on many balance tiers in a lot of regions
- Monthly fee: Usually up to $10, waived with a $2,500 minimum daily balance
- FDIC-insured up to $250,000 per depositor, per ownership category at Citizens
This account is mainly about convenience and liquidity, not growth. At 0.01% APY, every $10,000 earns about $1 per year before taxes.
Citizens Quest® Money Market
- Up to 2.75% APY with preferred relationship pricing on balances of $25,000+ in new money
- Requires a Citizens Quest Checking account to qualify
- No monthly maintenance fee on the money market if you maintain Quest status
- Offers check-writing, ATM access and FDIC protection
Quest’s preferred rate can be a decent compromise if you want to stay with Citizens but still earn more than a standard branch MMA. It just doesn’t match top online rates.
Who Should Consider Citizens Bank Money Market Accounts?
Use this as a quick “fit check” chart.
| Best For/Not Ideal | Why It Fits (or Doesn’t) |
|---|---|
| Existing Citizens customers | Good if you already use Citizens for checking, loans or mortgages and want cash nearby for easy transfers and overdraft protection. |
| Branch-first savers | You’ll get a large branch and ATM network plus in-person help, which can matter more than a higher APY if you value human support. |
| Relationship clients unlocking Quest | If you can park $25,000+ in new money and maintain Quest, the 2.75% APY preferred tier can deliver better yield than typical brick-and-mortar savings. |
| Not ideal for pure rate chasers | If you’re comfortable with online banking and want the highest yield, accounts like Quontic’s 4.25% APY money market usually beat Citizens by a wide margin. |
| Not ideal for large idle balances | High-balance savers could leave hundreds or thousands a year on the table if most of their cash sits at 0.01% to 2.75% APY instead of closer to 4.25%. |
How To Use Citizens in a Daily Cash Strategy
If you like Citizens but want better earnings on your cash, a hybrid strategy can work well:
- Keep day-to-day checking and bill pay at Citizens for convenience
- Use Citizens Quest Money Market for a smaller emergency fund or cash you tap regularly, as long as you qualify for the preferred APY
- Move larger, less active balances into a high-yield online MMA or savings account paying 4%+ APY, where your cash can grow faster with the same FDIC protection at another bank
You can also pair Citizens with short-term CDs or even Treasury bills if you’re willing to sacrifice some flexibility to lock in yields for a set period.
Final Take to GO: Are Today’s Citizens Money Market Rates Worth It?
On December 16, 2025, Citizens Bank money market accounts work best as a convenience add-on for people who already bank there, not as a stand-alone rate leader. The Personal Money Market pays a token yield, while the Quest Money Market can deliver a respectable 2.75% APY if you meet the relationship and new-money requirements.
If you want branch access plus a bit of extra yield, Quest can make sense. But if your priority is squeezing the most interest from your savings, pairing a Citizens checking relationship with a top online money market or high-yield savings account near 4.25% to 4.35% APY will usually be the stronger move.
Before you decide, compare Citizens’ APYs in your ZIP code with a few of today’s best national money market accounts, then decide how much cash really needs to sit at Citizens versus how much can safely earn more elsewhere.
FAQ: Citizens Bank Money Market Rates Today
Here are the answers to some of the most frequently asked questions about Citizens Bank money market rates for today:- What is the Citizens Personal Money Market rate today?
- In many regions, the Citizens Personal Money Market still pays around 0.01% APY on standard tiers as of December 16, 2025, making it a low-yield, convenience-focused account rather than a growth vehicle. Exact rates can vary by ZIP code, so it’s important to check Citizens’ site for your location.
- How high can the Citizens Quest Money Market APY go?
- Citizens advertises up to 2.75% APY for the Quest Money Market’s preferred relationship tier when you have a qualifying Quest checking account and bring at least $25,000 in new money to the bank. Customers who do not meet these requirements usually see much lower “standard” APYs that can be as low as 0.03% to 0.15% even on large balances.
- Are Citizens money market accounts FDIC-insured?
- Yes. Citizens Bank is an FDIC-insured institution, so qualifying deposits in its money market accounts are generally insured up to $250,000 per depositor, per insured bank, per ownership category, the same coverage limit that applies at other FDIC member banks.
- How do Citizens’ rates compare to the national money market average?
- The FDIC’s latest report shows the national money market average at 0.58% APY. Citizens’ Personal Money Market at about 0.01% APY is far below that average, while Quest’s 2.75% preferred APY is roughly four to five times higher but still lower than the 4.25% APYs available from top online money market accounts.
- Should I keep my savings at Citizens or move to an online money market account?
- If you value branch access, in-person support and keeping all your accounts under one roof, staying with Citizens and using Quest Money Market can be reasonable, especially if you qualify for the preferred APY. If your main goal is to maximize interest, though, online money market accounts like Quontic’s 4.25% APY account or high-yield savings options near 4.35% APY will usually grow your money faster with similar FDIC protections.
Methodology: GOBankingRates analyzes deposit rates from banks and credit unions with nationwide availability. The best rates are identified from this group by focusing on APY. Institutions listed in the daily chart are insured by the Federal Deposit Insurance Corporation or the National Credit Union Share Insurance Fund.
Financial institutions may require certain eligibility criteria — such as membership, existing accounts or location-based restrictions — to open an account or qualify for the listed rates. Always verify account terms, conditions and regional availability with the institution before applying.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 16, 2025.
