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.

Two women look over paperwork and a computer

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 05/17/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.88^%_APY

National Average

0.44^%_APY

Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team

Stephen Kates, CFP

Bankrate Financial Analyst

Sarah Foster

Principal U.S. Economy Reporter

Mark Hamrick

Senior Economic Analyst

Learn more

Latest articles

Financial manager meeting with couple in bank branch office

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

Young woman calculating her finances while sitting with her laptop.

Investing with mutual funds is an easy way to build a diversified portfolio. Here’s what you need to know.

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

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

Illustration of bag with dollar sign on it and allow in background, headline reading today's best high-yield savings rates

Compare the best high-yield savings rates as of September 11, 2025.

illustration with piggy bank and arrow in background with headline saying today's top savings rates

Compare the best high-yield savings rates as of September 10, 2025.

Mother and daughter putting money in piggy bank

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

Illustration of stack of money with headline that says best high-yield savings interest rates

Compare the best high-yield savings rates as of September 9, 2025.

Fed rate hike to curb inflation, wooden block with FED and up-down arrows icon. Central banking system and interest rate changes.

We look back at how banks handled rate cuts in 2024, and what to expect in 2025.

Illustration of coins with a headline that reads best high-yield savings accounts today

Compare the best high-yield savings rates as of September 8, 2025.

Bankrate offers 18 ideas for stretching your budget to save money.

Row of folded dollar bills with red gift bows

Giving money as a gift doesn’t have to be boring. Use this guide to personalize your monetary giving.

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

Clocks are displayed across an image of a dollar bill.

Take a look at the days when CDs were offering investors double-digit returns.

A friendly female customer service representative

These are the 10 largest credit unions in the United States based on assets.

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.

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 [...]

Mature woman helps her daughter study for exam

High-yield savings rates fluctuate over time. Let’s explore what causes that.

woman, using laptop while working from home

The top high-yield savings accounts are currently earning APYs of 5 percent and greater.

Young Asian woman using laptop next to her dog, sitting at dining table at home. Work life balance. Living with a pet. Online shopping at home.

Setting up direct deposit is typically easy and can save you a lot of time. Here’s how.

The trusted provider of accurate rates and financial information