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.

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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 09/15/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.80^%_APY

National Average

0.47^%_APY

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

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$10,000 high-yield savings vs. $10,000 money market account: Here’s which earns more

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Lay away cash for an emergency or short-term goals with a money market mutual fund.

Compare the best high-yield savings rates as of September 15, 2025.

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Compare the best high-yield savings rates as of September 12, 2025.

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.

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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.

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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

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