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Tiered Money Market

Tiered rates make it so the bigger your balance, the bigger the interest.

Tiered rates make it so the bigger your balance, the bigger the interest.

A Kearny Bank Tiered Money Market account lets you earn higher interest rates as your balance grows. Maintain a balance of over $2,500 to start earning interest with the account. Then, as you save more, you’ll earn more.

Plus, you can make the most of your account thanks to free Online Banking with bill pay, free Mobile Banking with mobile deposits, unlimited in-person transfers, and up to 6 third party debits per statement cycle, all without incurring a fee.

Account Min Bal. To Obtain APY Interest Rate APY Additional Information
Money Market

$2,500 Minimum deposit to open



Rate of 0.05% if balance drops below $2,500

Money Market Advantage




New Money ONLY. $100 Minimum deposit to open account. $1 Minimum balance to keep account open.





New Money ONLY. $100 Minimum deposit to open account. $1 Minimum balance to keep account open.

Tiered Money Market




Balances below $2,500 earn no interest





Rate lower if balance drops below $10,000





Rate lower if balance drops below $25,000





Rate lower if balance drops below $50,000

The Annual Percentage Yields (APYs) are effective 12/24/2019 and are subject to change without notice.

GenGold® Advantage

Make personal banking more personally rewarding. Add GenGold Advantage to your Kearny Bank personal money market account for a small monthly fee and save time and money with discounts and rewards on travel, online shopping, health care, fraud security and more.

ATM Card

Use your ATM card at any of our convenient locations or at any Accel machine operated by another institution. At Kearny Bank ATMs, obtain inquiries, make deposits or withdrawals, or transfer money between linked accounts at any time of day.

Kearny Bank Debit Mastercard®

Use your Debit Mastercard to make everyday purchases anywhere Mastercard is accepted, and purchase payments will be deducted directly from your account. Your card can also be used at any ATM to get cash, check balances or make transfers.

SecureAlerts: Establish alerts for instant access to purchase activity. Alerts can be set via our mobile app or Online Banking.

Mobile Wallet: Add your Kearny Bank Debit Mastercard to your mobile wallet for faster purchases in-store, online and in-app.

Customized Usage Control: Reduce debit card fraud, set spending limits, monitor and manage your card through our mobile app.

Kearny Bank Rewards: Use your Debit Mastercard for purchases and earn FREE rewards. The more you use your debit card, the more points you earn. Learn More

Lost or Stolen ATM or Debit Mastercard

If your Kearny Bank ATM or Debit Mastercard is lost or stolen, call us immediately, or control your card via your Mobile Banking app. During business hours call 800-273-3406 . After business hours, call our afterhours hotline at 800-472-3272.


Stay in control of your debit card with CardValet. Turn your debit card on or off from the CardValet mobile app and have peace of mind that your account is protected.

See details about your account, set alert preferences, allow and limit transactions based on your geographical location, limit card usage based on merchant type and establish spending limits.

Important Information for Our Clients

Be on the lookout for ATM skimming. Skimming occurs when criminals attach electronic devices to the card slots of ATMs to capture card numbers and personal identification numbers (PINs).

At Kearny Bank, we strongly encourage our ATM cardholders should periodically change their PINs to protect against fraudulent use of captured card numbers and PINs. You can easily change your PIN by calling 800-992-3808 at any time, day or night.

Overdraft Protection Options

Automatic Transfer

Anyone can make a mistake. With Kearny Bank’s automatic transfer program you can avoid bounced checks and associated overdraft fees by linking your Kearny Bank savings account to your money market account. In the event you are overdrawn funds will be automatically withdrawn from savings. There is no fee unless a transfer occurs.

Line of Credit

You can also protect yourself from insufficient fund fees by applying for a line of credit and linking it to your money market account. If your money market account is ever overdrawn, the line of credit will automatically kick in to cover any checks up to your line limit. Interest is not charged until this convenient feature is used.


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