Looking for the best MMA rates? With interest rates falling, it’s crucial to maximize your savings. MMAs often offer rates above 4% APY. Discover top rates available today and how they compare to high-yield savings accounts. Rates are influenced by the federal funds rate, set by the Fed. As rates decline, now may be the last chance to benefit from higher rates. Consider factors like liquidity needs, savings goals, and risk tolerance when deciding if an MMA is right for you. The highest MMA rates are currently offered by Quontic Bank and HUSTL at 4.1%. While some checking accounts offer rates above 5%, consider market investments for higher returns with more risk. Your money market account is safe from market risk as long as it’s with a federally insured institution.

Read more at Yahoo Finance: Best money market account rates today, January 14, 2026 (secure up to 4.1% APY)