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

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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 01/16/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.03^%_APY

National Average

0.43^%_APY

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

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Expect yields to continue trending downward in 2026.

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With interest rates somewhat volatile, it’s important to shop around for the best money market mutual funds.

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

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Expect yields to continue trending downward in 2026.

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It’s important to find the right accounts for your emergency savings.

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For many of us, saving money feels like an uphill battle.

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Woman with glasses in front of a computer with her hand by her head, looking worried.

It’s important to weigh your options after missing your CD’s maturity date.

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Consider a savings account with an APY above the inflation rate.

Many of these banks offer low-fee accounts and higher yields than some of the biggest banks.

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Know the two major benefits of opening a CD now, even as interest rates decline.

Interest rates are not coming down as quickly as they surged.

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Watch for these money headaches if your bank fails and no other bank takes over.

All CDs have one thing in common: They’re among the safest places to park your cash.

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