Money market accounts (MMAs) offer high interest rates and flexibility. Despite recent rate drops, some MMAs still pay over 4% APY. Rates have fluctuated over the years due to Federal Reserve policy changes and economic conditions. It’s crucial to compare accounts for fees, balance requirements, and insurance coverage. The national average MMA rate is 0.58%, but top rates can reach 4% or higher. Check for the best rates from online banks and credit unions.

Read more at Yahoo Finance: Best money market account rates today, January 19, 2026 (Earn up to 4.1% APY)