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 08/15/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.48^%_APY

National Average

0.45^%_APY

Learn more

Latest articles

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

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

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

Our top 5 picks scored highly for access, range of products and digital options.

Woman studying a document and working on a laptop

Here’s how multiple savings accounts can help you reach your financial goals.

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

Someone watering a plant that grows cash

Here’s how much $100,000 in a high-yield savings account can earn you.

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 [...]

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

sleeping child and grandma rest on travel adventure for family bonding

Saving for your grandchildren can help to minimize the financial burdens they face down the road.

An image of a pink piggy bank standing on top of a green and white striped rocket with smoke coming out of the end of the rocket.

Here’s everything you need to know about high-yield savings accounts.

Losing a savings bond doesn’t mean it’s money lost. Here’s how to find it.

A bank building with a large gold medal hanging from it

The best bank and credit union for you will depend on your banking needs, but in general, the best banks offer accounts with low or no minimum balance requirements and don’t charge monthly fees — or [...]

Panorama of aerial view of Downtown Houston, Texas, USA

As the old saying goes: “Everything is bigger in Texas.” And that’s also true of your list of options when choosing a bank or credit union in the state.

Santa Barbara beach with palm trees and city skyline at sunset, California, USA

California is a large state, and so is your list of banking options in the Golden State. Truth is, there’s no one “best” bank — the best option is the one that fits your specific needs. But we’ve [...]

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

Whimsical artwork of four piggy banks standing atop of four stacks of coins, gradually increasing in height

If you’re looking to save with a credit union, here are the top rates available.

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

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.

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

The trusted provider of accurate rates and financial information