Looking for the best bank rates? Money market accounts offer high interest rates and flexibility. Rates can still exceed 4% APY. Compare today’s top rates from verified partners. Rates fluctuate due to Federal Reserve changes. After the 2008 crisis, rates were near zero. In 2025, rates remain high but are starting to decline.

When choosing a money market account, consider more than just the interest rate. Factors like minimum balance requirements and fees can affect your earnings. Shop around for accounts with competitive rates and minimal restrictions. Ensure your account is FDIC or NCUA insured up to $250,000 per depositor.

The national average for money market account rates is 0.59%, but top rates can reach 4%-4.50% APY. The amount earned on $50,000 depends on the APY and time period. While there are no 5% APY MMAs, some high-yield savings accounts offer this rate. Check with local banks or credit unions for options.

Read more at Yahoo Finance: Best money market account rates today, December 1, 2025 (Earn up to 4.26% APY)