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Find out which banks are offering the best MMA rates right now.
As interest rates continue to hang around at recent levels following another decision by the Fed to keep rates unchanged, it’s more important than ever to ensure you’re earning a competitive rate on your savings.
One option you may want to consider is amoney market account(MMA).
These accounts are similar to savings accounts — they offer interest on your balance, but may also include a debit card and/or check-writing capabilities.
Wondering where the top money market account rates can be found today? Here’s what you need to know.
From a historical perspective, money market account interest rates have been quite high.
The national average interest rate for money market accounts is just 0.57%, according to the FDIC, but the top money market account rates often pay above 4% APY or even more — similar to the rates offered onhigh-yield savings accounts.
Here’s a look at some of the top MMA rates available today: TotalBank Online Money Market Deposit Account: 4.01% APY ($2,500 minimum balance required to earn the highest rate) Brilliant Bank Surge Money Market Account: 4% APY ($1,000 minimum balance required to earn highest rate) Redneck Bank Mega Money Market: 3.85% APY EverBank Yield Pledge Money Market Account: 3.8% APY First Foundation Bank Online Money Market Account: 3.75% APY ($1,000 minimum balance required to earn the highest rate) Prime Alliance Bank Personal Money Market Account: 3.75% APY Between July 2023 and September 2024, the Fed maintained a target range for its federal funds rate of 5.25%–5.50%.
However, as inflation cooled and the economy improved, the Fed slashed the federal funds rate three times that year.
In 2025, the Fed made three additional rate cuts.
So far in 2026, the Fed has held rates steady.
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