Looking for the best money market account rates? With interest rates falling, it’s crucial to find competitive rates. MMAs offer interest, plus debit card or check-writing options. Rates can surpass 4%. Check out top rates available now.

In recent years, the Fed cut rates multiple times, resulting in a federal funds rate of 3.50% – 3.75%. Deposit rates are declining, making it a good time to take advantage of higher rates. Explore how to maximize savings while rates are still elevated.

Considering a money market account? These accounts offer liquidity, ideal for short-term goals or emergency funds. Backed by FDIC insurance, they can’t lose principal. Compare rates to find the best option for safety, liquidity, and returns.

Today’s money market account rates vary widely, with some banks offering over 4% APY. National average sits at 0.58%, but rates above 4.50% are rare. Despite the search for high rates, there are currently no money market accounts offering 7% interest.

Read more at Yahoo Finance: Best money market account rates today, January 15, 2026 (earn up to 4.1% APY)