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 12/28/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.08^%_APY

National Average

0.43^%_APY

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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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Illustration of cash under a beach umbrella

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Fantasy image of a robot hand holding a phone with real cash falling out of the screen

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Woman studying a document and working on a laptop

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Man Working At Computer And Talking To Clients On Phone

These popular banks are available to speak with customers around-the-clock.

Planning, finance and couple with paper and laptop for budget

These joint checking accounts are ideal for sharing finances with another person.

Financial manager meeting with couple in bank branch office

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

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.

A savings account can be a great tool to teach your child about money. Here are a few of our favorites.

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Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional [...]

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