SwitchWizeSmart financial decisions

18 money-market accounts · Updated July 9, 2026

The best money-market accounts — ranked by rate, trust, and access

Set your balance and current bank rate — every account shows check-writing access, minimum requirements, and the exact dollars you gain per year by switching.

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Your balance$25,000
Your bank pays0.38%
Or enter exact
%
Annual opportunity
$943/yr
The top account pays 4.15% APY — 11x your current rate. Switching is free and FDIC-insured.
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.

Proof of math

Why Forbright Bank is currently ranked first here

No paid ranking impact

Your current rate

0.38% current rate

Best available

4.15% APY at Forbright Bank

You could earn more

$943

per year · $79/mo

How we calculated this

$25,000 × (4.15% - 0.38%) ÷ 100

Assumptions

  • •$25,000 comparison balance.
  • •0.38% current rate entered on this page.
  • •Annualized simple-interest estimate before taxes.

Safety & friction

FDIC Insured~10 min setup

Coverage is generally up to $250,000 per depositor, per insured institution, per ownership category.

Deposit accounts are intended for liquid cash, subject to account transfer limits and processing times.

Why ranked here: Rank is based on current APY, fees, minimums, trust signals, and the active filters on this page.

Freshness: 18 money-market accounts tracked by SwitchWize, checked July 9, 2026

SwitchWize may earn compensation from some partners. Sponsored status is disclosed and can be hidden with the page filter.

Rates and terms can change. Verify account details before opening.

Showing 18 money-market accounts
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Our takeOur highest APY at 4.15% — from a lesser-known institution, so confirm transfer times and support before moving a large balance.
1
Forbright BankTop rate
FDIC insuredNo minimum
APY
4.15%
+$943
more per year vs your bank
Your bank pays 0.38%+3.77% higher APY
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Full review·
Our take3.9% APY with no opening minimum — 25 bps below our top pick.
2
Zynlo Bank
FDIC insuredNo minimum
APY
3.90%
+$880
more per year vs your bank
Your bank pays 0.38%+3.52% higher APY
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Full review·
Our takeOpen with just $100 — earns 3.8% APY.
3
Quontic Bank
FDIC insured$100 min
APY
3.80%
+$855
more per year vs your bank
Your bank pays 0.38%+3.42% higher APY
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Full review·
Our take$1,000 minimum deposit; earns 3.8% APY. Minimum deposit required.
4
CFG Bank
FDIC insured$1,000 min
APY
3.80%
+$855
more per year vs your bank
Your bank pays 0.38%+3.42% higher APY
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Full review·
Our take3.75% APY with no opening minimum — 40 bps below our top pick.
5
Prime Alliance Bank
FDIC insuredNo minimum
APY
3.75%
+$843
more per year vs your bank
Your bank pays 0.38%+3.37% higher APY
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Full review·
Our takeOnline savers wanting a high APY and low entry cost
6
Vio BankTrusted
FDIC insured$100 min
APY
3.55%
+$793
more per year vs your bank
Your bank pays 0.38%+3.17% higher APY
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Full review·
Our takeCheck-writing savers who do not need ATM access
7
Sallie Mae BankTrusted
FDIC insuredNo minimum
APY
3.50%
+$780
more per year vs your bank
Your bank pays 0.38%+3.12% higher APY
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Full review·
Our takeBest if you keep a larger balance — the $25,000 minimum earns 3.5% APY.
8
BankPurely
FDIC insured$25,000 min
APY
3.50%
+$780
more per year vs your bank
Your bank pays 0.38%+3.12% higher APY
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Full review·
Our takeOpen with just $100 — earns 3.3% APY.
9
Bank of Hope
FDIC insured$100 min
APY
3.30%
+$730
more per year vs your bank
Your bank pays 0.38%+2.92% higher APY
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Full review·
Our take89 bps under our top rate at 3.26% APY, but a widely recognized brand if you prefer a familiar bank.
10
UFB DirectTrusted
FDIC insuredNo minimum
APY
3.26%
+$720
more per year vs your bank
Your bank pays 0.38%+2.88% higher APY
Open account

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Full review·
Updated July 9, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: Money Market Gap Index·Advertising disclosure

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