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.

Man working on laptop and drinking coffee

Money market funds are available from several different brokers and fund managers.

Image of a piggy bank stuffed with dollars and an arrow behind it pointing to the right and going up.

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

These four types of bank accounts can help you meet your financial goals.

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.

The best account to save your money will vary by your goal.

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.

Person Putting Coin In Piggy Bank At Table

Savers can still earn yields on deposit accounts that are outpacing inflation, even as some yields have decreased recently as banks anticipate a likely Federal Reserve rate cut in September. One such option [...]

Whether you hope to buy a home or just rent for a while, a solid savings plan is the key to finally moving out of your parents’ house.

Creating a timeline is a useful way to plan and meet all your financial goals.

Here’s how to financially prepare for the possibility of sudden unemployment.

Travel Tourist Happy Woman Running Stairs

Learn how the ‘soft saving’ trend could affect your savings and retirement.

College students on graduation day, celebrating

Check out Bankrate’s savings picks to help you start off on a long financial future.

The most common sign of financial success is living comfortably, Americans say.

You’ve matured, but those savings bonds from childhood may still need more time.

Image of Jerome Powell speaking from the Federal Reserve podium.

A tough mix of rising prices and weak hiring is leaving the Fed with no easy way out.

People walk by a Western Union location in New York.

Wire transfer fees can be expensive, but here are ways to send money for less.

Someone cutting a stack of cash with scissors

In this era of no-fee banking, pesky fees still exist. Here’s how to avoid them.

Illustration of a robot hand holding a bank building

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 [...]