Money Market Accounts

When shopping for a savings account, don't forget to consider money market accounts. Explore the different benefits of MMAs.

Explore MMA basics

A man looking at a comically large stack of cash

This type of account can offer a low-risk way to earn a high yield.

These accounts sound similar, but there are some key differences to know.

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Follow these simple steps to earn competitive rates on your shorter-term savings.

Get the most out of your money market account

MMA

Why get a money market account

Learn about how these lesser-known accounts walk the line between savings and checking accounts, offering some of the best features of both.

MMA

Pros and cons of MMAs

Explore the main advantages and disadvantages of opening a money market account.

MMA

Are MMAs safe?

Understand the safety and flexibility of using an MMA to store your savings.

MMA

How to open an MMA

Bankrate's complete guide to opening a money market account to grow your savings.

Weekly MMA Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

See our top MMA rates

Bankrate Partner Average

The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 04/03/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.91^%_APY

National Average

0.43^%_APY

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Latest articles

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Get the latest rates on top-yielding money market accounts.

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CD terms can range from three months to five years. Learn which one is right for you.

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Expect yields to continue trending downward in 2026.

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These accounts sound similar, but there are some key differences to know.

The best account to save your money will vary by your goal.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

Savers can stash their cash in a brokerage these days to rack up returns.

Interest is the price you pay to borrow money or the cost you charge to lend money.

Setting aside pretax dollars in an HSA can help you defray future medical costs.

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Illustration of cash under a beach umbrella

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Mom preparing financial paperwork at home while her child draws next to her

Single people and young families tend to have significantly less saved.

Smiling father holds smiling daughter on his lap while looking at a computer

Experian’s new savings account has a yield based on membership tier and no minimum deposit.

Woman reading folder at desk in living room

Here’s how to respond to lower rates if you’re in the market for a CD or savings account.

Illustration of Capitol Hill rotunda and coronavirus stimulus checks

Most plan to spend their stimulus funds on necessities, not on shopping, dining or traveling.

Woman looking at bar graphs with mask on illustration.

But the U.S. economy should pick up speed, thanks to fresh fiscal stimulus.

Federal Reserve Chairman Jerome Powell speaks to reporters at a post-meeting press conference.

The Fed is pledging to keep aggressively supporting the economy, even after the pandemic officially ends.

Federal Reserve Chairman Jerome Powell speaks at a testimony before Congress

Here’s how this unconventional policy works to try and keep yields below a certain level.

Navy Federal Credit Union opened a branch on Jan. 11 in Douglasville, Georgia.

Bank branches in the U.S. has been steadily declining for years, but Navy Federal has taken a different approach.

Illustration of individual getting a coronavirus vaccine.

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Biden may want to hold off on raising taxes as the economy recovers — for now.

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