Find the best MMA rates offered by banks in today’s low-interest rate environment. Learn how the federal funds rate impacts deposit account rates, and why now might be the last chance to take advantage of higher rates. Consider your financial goals and risk tolerance when deciding if a money market account is right for you.

TotalBank offers the highest money market account rate at 4.26%, far surpassing the national average. In a market where even finding a 5% return is challenging, consider exploring market investments for potentially higher returns, despite the added risk. Rest assured, federally insured money market accounts are safe from market fluctuations.

Ensure your money is working for you by comparing rates and considering a money market account. With TotalBank offering the highest rate at 4.26%, it’s worth exploring this option for a balance of safety, liquidity, and better returns. Remember, market investments may offer higher returns, but also come with increased risk.

Read more at Yahoo Finance: Best money market account rates today, November 19, 2025 (secure up to 4.26% APY)