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.

Here’s answers to your top MMA questions.

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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

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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.

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Pros and cons of MMAs

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

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How MMAs work

Bankrate's complete guide to money market accounts and how they work.

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MMAs with no minimum balance

If you're struggling to meet balance requirements, these money market accounts can solve that problem while offering a strong APY.

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 03/21/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.73^%_APY

National Average

0.44^%_APY

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Chief Financial Analyst

Sarah Foster

Principal U.S. Economy Reporter

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Senior Economic Analyst

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Latest articles

Ally’s money market account offers a high APY, no minimum deposit or monthly fee.

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Business money market accounts offer higher yields while maintaining access to funds.

Man working on laptop and drinking coffee

Money market funds are available from several different brokers and fund managers.

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Find the right business savings account to help your company’s money grow.

Person working at table with computer, drinking coffee and looking at smartphone

Learn why you need to check your APY.

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

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

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

Financial manager meeting with couple in bank branch office

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

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.

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Verizon and Openbank announced a partnership on Tuesday that gives Verizon customers a way to save money on their bill if they have an Openbank High Yield Savings account. Verizon customers can save money [...]

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Emergency savings depleted? Here’s how to start replenishing it.

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There are a handful of numbers you should track for your financial health and well-being. A few you might already know about – your credit score and your net worth, for example. But you should also know [...]

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As the old saying goes: What goes up, must come down. But in the case of annual percentage yields (APYs), we might have a bit more air time. While APYs on deposit accounts may have come down from their [...]

comical illustration of money being injected via medial equipment

Here’s what you need to know about tapping into your emergency fund.

After facing a rent increase, I’m moving to Washington, D.C. to save $24,000 over two years.

Over time, ATM fees have climbed. Here’s what you need to know.

Early access to direct deposited funds can make managing your budget a bit easier.

Illustration of a bar graph, moving down from left to right.

When policymakers and investors seek economic insight, they often use a tool called the yield curve. A yield curve measures the spread between yields on short- and long-term maturity bonds over time. It’s [...]