Citizens Bank Money Market Rates Today: What You’ll Earn and How They Compare

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If you’re checking Citizens Bank money market rates today, you’re likely weighing a familiar regional bank against a market that still rewards rate-sensitive savers. Money market accounts can be useful for parking cash with easy access, but the gap between relationship-based bank rates and national yield leaders remains wide.

At Citizens, money market yields depend heavily on account type, balance tier and relationship status. While preferred customers can earn meaningfully more than standard branch rates, Citizens money market accounts are generally positioned as convenience-focused options, not market-leading yield products.

Citizens Money Market Accounts — At a Glance

Account	Typical APY Range*	Balance Requirement	Best For	Why It Stands Out
Personal Money Market	Around ~0.01%	Low	Basic cash access	Simple account tied to branch banking
Quest® Money Market (Preferred)	Low-to-mid-2% range (with requirements)	$25,000+ new money	Relationship clients	Higher yield for qualifying customers
Top National MMAs (context)	High-3% to ~4%	Varies	Rate-focused savers	Significantly higher APYs

*APYs are variable and subject to change. Preferred rates require specific balance and relationship conditions.

Quick Takeaway: Citizens money market accounts can work for existing customers, but they generally trail the strongest rates available nationally.

Citizens Bank Money Market Rates Right Now

Citizens currently offers two primary money market options. The yield you earn depends on whether you qualify for preferred relationship pricing.

Citizens Personal Money Market

This is the standard money market account most retail customers see.

• APYs typically hover near the bottom of the market
• Rates are consistent across tiers and do not scale meaningfully with balance
• Designed for convenience rather than yield

At these levels, a $10,000 balance earns only a few dollars per year, making this account best suited for short-term holding, not long-term cash growth.

Citizens Quest® Money Market — Preferred Rates

The Quest Money Market is Citizens’ higher-yield option, available to customers who meet new-money and relationship requirements.

To access the best Quest APY, customers typically need:

• At least $25,000 in qualifying balances
• New money deposits
• An eligible Citizens relationship

While preferred Quest rates can land well above basic branch accounts, they still tend to sit below the top tier of national money market yields. For large balances, the difference can translate into hundreds or thousands of dollars per year.

How Citizens Money Market Rates Compare Today

When aligned with today’s market:

• Personal Money Market remains far below competitive levels
• Quest Money Market narrows the gap but does not close it
• Opportunity cost increases rapidly as balances grow

For example, on a $50,000 balance, even a modest APY gap can mean four figures in missed annual interest compared with higher-yielding alternatives.

Citizens Money Market vs Other Cash Options

Versus high-yield money markets:Accounts available nationally continue to offer materially higher APYs without relationship hurdles.

Versus high-yield savings:Many savings accounts now pay rates comparable to or higher than Citizens’ Quest tier, often with fewer requirements.

Versus CDs:CDs may offer higher fixed yields but require locking funds. Citizens money markets prioritize access over return.

Who Citizens Money Market Accounts Are Best For

Best suited for

• Existing Citizens customers consolidating accounts
• Savers who value branch access and in-person service
• Smaller balances where convenience outweighs yield

Less ideal for

• Rate-focused savers chasing top APYs
• Large idle balances seeking maximum return
• Digital-first users comfortable managing online accounts

Final Take to GO: Are Citizens Money Market Rates Worth It?

Citizens Bank money market accounts are best viewed as relationship-based cash management tools, not yield leaders. While the Quest Money Market can offer a respectable return for qualifying customers, it generally lags the strongest rates available nationally.

If your priority is simplicity and keeping everything under one banking roof, Citizens may make sense. If maximizing interest on cash is the goal, the rate gap is large enough that it’s worth comparing alternatives.

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 Feb. 6, 2026.

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