Looking for the top money market account rates? Compare banks offering over 4% APY with check-writing privileges. Rates have fluctuated due to the Fed’s actions, but as of 2025, online banks and credit unions offer the best rates. Ensure your account is federally insured and consider fees and restrictions before choosing.

Money market accounts typically offer better returns than savings accounts. Despite rate fluctuations, some accounts still pay over 4% APY. Factors like minimum balance requirements and fees can impact your earnings. Shop around for competitive rates without restrictions and ensure FDIC or NCUA insurance for deposits up to $250,000.

The national average interest rate for money market accounts is 0.59%, but top rates can reach 4-4.5% APY. Your earnings on $50,000 in an account depend on the APY and time period. While no MMAs currently offer 5% APY, some high-yield savings accounts do. Check with banks or credit unions for options that suit your needs.

Read more at Yahoo Finance.: Best money market account rates today, November 17, 2025 (Earn up to 4.26% APY)