The Federal Reserve cuts interest rates, affecting money market account rates. National average for MMAs is 0.59%, but top accounts offer over 4% APY. Shop around for best rates, including online banks and credit unions. MMAs are low-risk, FDIC-insured up to $250,000. Consider minimum balance requirements and transaction limits.

To earn a strong return on investments, consider stocks, mutual funds, or ETFs. Speak with a financial advisor or use a robo-advisor for portfolio management. Stock market averages about 10% return annually. No guaranteed 12% return, but investing in market securities can grow wealth significantly. Shop around for best money market account rates.

Read more at Yahoo Finance: Best money market account rates today, December 5, 2025 (up to 4.26% APY return)