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.

What every saver needs to know about money markets accounts.

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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.

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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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Are MMAs safe?

Understand the safety and flexibility of using an MMA to store your savings.

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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 06/21/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.84^%_APY

National Average

0.45^%_APY

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These tips can help you manage your money more wisely and make you a bit richer.

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

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Image by Getty Images, Illustration by Bankrate

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High-yield savings accounts remain a strong option for savers…for now.

Big banks pay just 0.01% APY while online banks offer 4.4%. Your $10,000 could earn $897 more over two years. Learn how to switch without changing banks.

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Bankrate recaps the week in savings accounts and analyzes where rates are headed.

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

Mom preparing financial paperwork at home while her child draws next to her

Single people and young families tend to have significantly less saved.

Woman sitting outside of restaurant looking at cell phone

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Man working on laptop and cellphone simultaneously

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

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

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

Jerome Powell, chair of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting.

The Fed has now gone six months without cutting interest rates.

Spend money, pay bills, write checks or make fund transfers with a checking account.

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

This Fed communication tool is important, but be cautious when interpreting it.

The Federal Reserve announced that it’s holding interest rates steady following its March 18-19 meeting.

Consider these four factors when choosing the right high-yield savings account.

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