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 04/05/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.03^%_APY

National Average

0.44^%_APY

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

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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.

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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.

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.

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Top savings APYs remain above 4%, with plenty of account options to choose from.

Illustration of Fed Chair Jerome Powell with torn pieces of money falling around him and a jagged arrow rising from the lower left to the upper right. There is also a Now Hiring sign behind him in the upper left of the image.

A slowdown may already be underway in the once formidable U.S. job market.

Mother and daughter looking at savings account info on a cellphone

The best savings accounts for teenagers offer competitive rates and charge no fees.

Here are top accounts for features like ATM fee waivers, overdraft forgiveness and more.

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Savings APYs remain high as the Federal Reserve holds interest rates steady.

Chime offers checking and savings accounts via partnerships with FDIC-insured banks.

A pink piggy bank being held by a robotic/animatronic hand.

Banks have been loudly touting their multi-billion-dollar investments in artificial intelligence as a breakthrough for consumers. CEOs speak at conferences about AI-powered personalization. Marketing departments [...]

Rainy day and emergency funds differ but together provide a sound financial plan.

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