Money market accounts (MMAs) offer higher interest rates than traditional savings accounts, with check-writing privileges and debit card access. National average MMA rate is 0.39%, but top accounts offer over 4% APY. Rates fluctuate based on Federal Reserve’s actions. Compare accounts for fees, balance requirements, and FDIC/NCUA insurance. Top rates currently exceed 4.1% APY.

Read more at Yahoo Finance: Best money market account rates today, January 20, 2026 (Earn up to 4.1% APY)