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.

Two women look over paperwork and a computer

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

Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team

Stephen Kates, CFP

Bankrate Financial Analyst

Sarah Foster

Principal U.S. Economy Reporter

Mark Hamrick

Senior Economic Analyst

Learn more

Latest articles

Financial manager meeting with couple in bank branch office

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

How Reg. D impacts your savings account and why it pays to check with your bank.

Asian women using laptop computer at home working space.

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

A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Expect yields to continue trending downward in 2026.

These credit unions offer great rates and top-notch features — and many make it easy to join.

Young woman calculating her finances while sitting with her laptop.

Investing with mutual funds is an easy way to build a diversified portfolio. Here’s what you need to know.

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.

How Reg. D impacts your savings account and why it pays to check with your bank.

Illustration of cash under a beach umbrella

Here’s how much $10,000 in a high-yield savings account can earn you.

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.

Illustration of gift box surrounded by an up arrow representing higher inflation.

Here’s what to skip and what to buy — and how to tariff-proof your budget.

CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.

Shot of a young businesswoman using a digital tablet outside of an office

Learn how you can lose money on a CD.

Close up of someone hands holding and counting American dollar banknotes in her hand

Most people know they should save. But understanding why can make the habit stick. Saving isn’t just about “being responsible” — it’s about control, opportunity, and peace of mind. Here are seven [...]

Not all mobile banking apps are as secure as they could be. Here’s how to stay safe.

female soldier and her husband use a banking app to check the state of their finances

Bank account budgeting tools make it easy to track your personal finances.

Illustration of woman holding a briefcase in front of two bar graphs representing the deteriorating labor market

It’s a tale of two job markets: secure for job holders, recession-like for job seekers.

A savings account is a good tool for teaching children financial basics and responsibility.

The trusted provider of accurate rates and financial information