The Money Market Plus account has a competitive yield. It’s not a top-tier APY, but it’s still much greater than the Bankrate national average. To get this APY, you need to have at least $10,000 in the account. This account has interest compounded on a daily basis and has checks — up to 50 — available for free. You also can get an ATM card — so accessibility and a respectable APY are two features of this account.