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

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

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

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APYs on high-yield savings accounts remain competitive after Fed rate decision.

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Image by Getty Images, Illustration by Bankrate

Recession risks are rising. Learn six smart savings strategies to protect your money before it hits.

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High-yield savings accounts remain a strong option for savers…for now.

Big banks pay just 0.01% APY while online banks offer 4.4%. Your $10,000 could earn $897 more over two years. Learn how to switch without changing banks.

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Here’s a guide to saving $10,000 in one year to make yourself more financially secure.

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

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Artifical intelligence (AI) is likely to reshape our lives in as big a way as the internet did in the 1990s and smartphones did in the 2000s (scary or exciting as that may be). That means changes to your [...]

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

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

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

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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