Citizens Bank Money Market Rates Today: December 11, 2025
Written by
Joseph Hostetler
Edited by
Joe Evans
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If you’re checking Citizens Bank money market rates today, you’re probably deciding whether to park extra cash with Citizens or chase a higher-yield account somewhere else. On December 11, 2025, Citizens’ money market story is still split in two:
- The Citizens Personal Money Market rate hovers around 0.01% APY in many regions — basically a convenience account, not a growth vehicle
- 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’s latest national data pegs the average money market rate around 0.58% APY, with a national rate cap of 1.33% APY. At the same time, top online money market accounts are paying up to 4.25% APY and high-yield savings accounts reach about 4.35% APY as of December 2025.
That means Quest’s preferred rate can beat the average brick-and-mortar bank, but it still trails the best online options by roughly 1.5 percentage points.
Citizens Money Market — Today’s Snapshot
| Product | Today’s Example APY | Key Requirements | Best For |
|---|---|---|---|
| Citizens Personal Money Market | Around 0.01% APY in many markets | Standard retail account; typical minimum daily balance of $2,500 to waive up to a $10 fee | Convenience-driven Citizens customers keeping modest balances |
| Citizens Quest® Money Market | Up to 2.75% APY preferred; up to 0.15% APY standard | Must have Quest checking; $25,000+ in new money for preferred rate | Relationship clients who want higher yield without leaving Citizens |
| FDIC national MMA average | About 0.58% APY | — | Baseline for judging whether a money market rate is competitive |
| Top online money market APY | Up to 4.25% APY at leading online banks | Online only | Rate-focused savers comfortable with digital banking |
Quick Snapshot: Citizens Money Market
- Personal Money Market: Around 0.01% APY on many tiers in most regions
- Citizens Quest® Money Market: Up to 2.75% APY with preferred relationship pricing on balances of $25,000+ in new money
- FDIC national money market average: About 0.58% APY as of November 2025
- Top online money market accounts: Up to 4.25% APY in December 2025
- Best fit today: Existing Citizens customers who value branch access and can unlock Quest’s preferred APY — not pure rate chasers
Citizens Bank Money Market Rates Today
Your actual yield at Citizens depends on three things:
- Which money market product you choose
- Your balance tier
- Whether you qualify for preferred relationship pricing
Citizens Personal Money Market
The Personal Money Market is Citizens’ basic money market option for retail customers. The bank describes it as a “simple way to save for larger goals,” with a monthly maintenance fee of up to $10 that’s waived when you keep at least $2,500 in the account.
In many markets, recent rate sheets and product disclosures indicate this account earns very low standard APYs — often around 0.01% APY across common balance tiers, with only minor bumps at higher levels. That’s well below the FDIC national money market average of 0.58% APY.
- At 0.01% APY, $10,000 earns about $1 per year before taxes
- At the 0.58% national average, that same $10,000 would earn roughly $58
- In a 4.25% online money market, you’d earn about $425 on that balance
The Personal Money Market is best thought of as a convenience bucket tied to your Citizens relationship, not the place to grow a large emergency fund.
Citizens Quest® Money Market
The Citizens Quest Money Market is where the bank’s more competitive yield lives. It’s designed for customers with deeper relationships and higher balances.
From Citizens’ current product page:
- You can earn “up to 2.75% APY” with preferred rates
- Standard rates top out around 0.15% APY on the highest tiers
- You must hold a Citizens Quest checking account
- You typically need at least $25,000 in new money (funds not already on deposit with Citizens) to qualify for preferred pricing
A simplified way to present it for daily updates:
| Balance Tier | Preferred APY Example | Standard APY Example |
|---|---|---|
| Under $25,000 | Lower yield, often around 0.10 to 0.15% APY | Around 0.01% APY |
| $25,000 to $50,000 | Up to 2.75% APY | Around 0.02 to 0.03% APY |
| $50,000 to $249,999 | Up to 2.75% APY | Around 0.03% APY |
| $250,000+ | Up to 2.75% APY | Up to around 0.15% APY |
Key Takeaways
- At 2.75% APY, the Quest preferred tier is roughly 4 to 5 times the FDIC national money market average
- Without preferred status, even large balances may only earn 0.02 to 0.15% APY
Quest is a middle-ground option: solid if you want to stay with Citizens and qualify for preferred pricing, but not a top pick if you chase the very best online rates.
How Citizens Money Market Rates Compare Today
Citizens vs FDIC National Averages
According to the FDIC’s November 2025 report, the national money market average is about 0.58% APY, with a national rate cap of 1.33% APY.
Compared with that baseline:
- 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 well 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
Bankrate’s latest survey shows top money market accounts paying up to 4.25% APY in December 2025.
On a $50,000 balance:
- At 2.75% APY (Quest preferred), you’d earn roughly $1,375 in a year
- At 4.25% APY in a top online money market, you’d earn about $2,125
That’s around $750 more per year just for choosing a higher-yield online option – and the gap grows as your balance increases.
Pros and Cons of Citizens Money Market Accounts
| Type | What It Means For You |
|---|---|
| Pro | FDIC-insured safety – deposits are protected up to $250,000 per depositor per ownership category |
| Pro | Quest preferred APY up to 2.75% beats many traditional branch money market rates |
| Pro | Large branch and ATM network for people who value in-person service |
| Pro | Easy relationship banking if you already use Citizens for checking, loans or a mortgage |
| Con | Personal Money Market’s 0.01% APY is extremely low for anything beyond a small buffer |
| Con | Quest rules can be confusing – you need the right checking relationship, balance and often “new money” to earn 2.75% |
| Con | Even Quest’s top rate lags online leaders by roughly 1.5 percentage points in late 2025 |
Who Citizens Money Markets Are Best For (and Who Should Skip Them)
| Best For | Not Ideal For |
|---|---|
| Existing Citizens customers who want checking, savings and loans under one roof | Savers whose top priority is the highest APY available, even if it means switching banks |
| Branch-first users who value live support and local locations | People comfortable with online-only banks paying around 4.25% APY |
| Relationship clients who can unlock Quest’s 2.75% APY | High-balance savers who stand to lose hundreds or thousands each year at lower yields |
| Savers who want a small, easy-access emergency fund linked to Citizens checking | Digital-first users who don’t need branches and prefer top-yield fintech or online banks |
How To Use Citizens Money Markets In Your Cash Strategy
If you like Citizens but also want to earn more on your savings, a hybrid approach often works best:
- Keep your primary checking and bill-pay at Citizens for everyday use
- Use a Citizens Personal or Quest Money Market for a small emergency buffer or cash you’ll need in the next few months
- Move larger, longer-term cash to a high-yield online money market or savings account paying closer to 4.25% APY, or consider short-term CDs if you’re comfortable locking funds for 6 to 12 months
This way, you get the convenience and support of a regional bank plus the yield advantage of top online accounts.
Final Take To Go: Are Today’s Citizens Money Market Rates Worth It?
On December 11, 2025, Citizens Bank money market accounts sent a clear message:
- If you’re sitting in the Personal Money Market at roughly 0.01% APY, your money is barely growing compared with the 0.58% national average and the 4%+ you can find at leading online banks
- If you can qualify for Citizens Quest’s 2.75% APY preferred tier, you can beat average branch rates and stay with a bank you already know, but you still give up some yield compared with top online offers
For many savers, the sweet spot is to keep Citizens for checking, bill-pay and perhaps a small emergency cushion, then direct most of your idle cash to a higher-yield FDIC-insured account elsewhere. That way, you get local service plus market-level yield, instead of letting low rates quietly erode your future returns.
FAQs: Citizens Bank Money Market Rates for December 11, 2025
Here are the answers to some of the most frequently asked questions about Citizens Bank money market rates for today:- What is Citizens Bank’s money market rate today?
- As of December 11, 2025, the Citizens Personal Money Market earns around 0.01% APY in many regions, while the Citizens Quest Money Market advertises up to 2.75% APY for preferred relationship customers with at least $25,000 in new money and a qualifying Quest checking account.
- How do I qualify for the 2.75% APY on Citizens Quest Money Market?
- To earn the top advertised APY, you typically need an eligible Citizens Quest checking account, a minimum of $25,000 in new money in the Quest Money Market and any other relationship requirements set by the bank. If you do not meet these criteria, your account may earn only the lower standard APY tiers, which can range up to about 0.15% APY on the highest balances.
- How do Citizens money market rates compare to the national average?
- Citizens’ Personal Money Market rate around 0.01% APY is far below the FDIC national money market average of about 0.58% APY as of November 2025. Quest’s preferred rate of 2.75% APY is roughly 4 to 5 times higher than the national average, but still trails the best online money market rates, which reach about 4.25% APY in December 2025.
- Are Citizens money market accounts FDIC-insured?
- Yes. Citizens Bank is an FDIC member, so its money market deposit accounts are FDIC insured up to $250,000 per depositor per ownership category. That coverage limit applies to your combined balances at Citizens across eligible deposit products under the same ownership type.
- Should I keep all of my emergency fund in a Citizens money market account?
- It can make sense to keep part of your emergency fund in a Citizens money market account if you value branch access, in-person service and easy transfers to Citizens checking. However, if maximizing interest is your main goal, you’ll usually earn more by keeping only a small convenience cushion at Citizens and putting the rest of your emergency fund into a high-yield online money market or savings account paying closer to 4% to 4.35% APY.
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. 11, 2025.
