Direct answer
Choose the account with the better current net fit: APY, minimum balance, access features, and whether you need check-writing or debit access. The label matters less than the verified rate and account terms.
Why this is not generic
Live savings endpoint
Live money-market endpoint
Account-feature decision frame
APY changes the answer
Savings and money market leaders can trade places as rates move. A current-rate check is better than an evergreen rule of thumb.
Access features matter
Money market accounts may offer check-writing or debit access; savings accounts are often simpler but less transactional.
Minimums can erase the headline
If the best APY requires a balance tier you will not maintain, compare the tier you actually qualify for.