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.

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 06/10/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.85^%_APY

National Average

0.46^%_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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Money market funds are available from several different brokers and fund managers.

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

The highest savings account rate has dipped ahead of next week’s Fed rate decision.

Financial manager meeting with couple in bank branch office

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

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 photo of the author of the article near a computer and book

Saving money isn’t just about cutting costs. Sometimes, it’s about reframing how you spend your time. Here’s how one mindset shift helped me avoid impulsive purchases and grow my savings with less [...]

Woman sitting in a chair with her laptop open on her lap. She is holding a mug in her right hand.

Most savers aren’t moving money despite 4 percent rates being available. This inertia could cost thousands in lost interest income.

Mature woman helps her daughter study for exam

Fed officials indicate that interest rates will remain steady at its next meeting.

Caucasian woman and African American man sit at kitchen counter with breakfast working with pen, paper and laptop

Budgeting may be unpopular, but it’s important to know where your money is going.

How Reg. D impacts your savings account and why it pays to check with your bank.

Smiling woman with shaved head paying via tap to pay while shopping at flea market

Let’s look at several online banks and credit unions that let you deposit cash.

Top APYs on high-yield savings are above 4%, despite a recent U.S. credit downgrade.

Learn why a bank could close your account and what to about it.

exterior of Bank of America branch building

Knowing bank holiday schedules can help you avoid delays on necessary transactions.

Savings bonds are safe and easy to buy, but you can earn higher interest income elsewhere.

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Young woman withdrawing money using phone at the ATM machine on the street in Budapest in Hungary.

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