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 04/26/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.79^%_APY

National Average

0.47^%_APY

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Chief Financial Analyst

Sarah Foster

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Latest articles

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Short answer? Yes. Here’s what you need to know.

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

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

Earn more on your business cash with high-yield accounts offering competitive APYs.

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

Business women discussing project at table in modern office

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

man and woman working together at a computer in an office

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

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Learn why you need to check your APY.

Two happy people looking at sheets of paper

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 [...]

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Sweeping changes at the Consumer Financial Protection Bureau (CFPB) signal what would be a significant shift in banking regulation under the Trump administration. While regulatory changes might sound like [...]

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Knowing how these accounts work, and how they differ, can help better your finances.

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Adding more to your savings goals is easier than you think. Here’s how.

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The CFPB dropped its lawsuit alleging Capital One cheated customers out of interest.

A young, frightened female bank teller places a large wad of cash in a sack as she looks at a bank robber concealed in a red mask, pointing at her in his hoodie pocket.

Frightening as it is, your cash won’t disappear should your bank get hit.

Checks aren’t as ubiquitous as they once were, but you may still have to write one.

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

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

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

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It’s a low interest rate environment, but there are ways to earn more on your money.

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