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+5bps this week

Money Market Rate Trends

Track money market account yields for savers who want higher APY with more access than CDs.

Best MMA APY

4.10% APY

Benchmark average

3.55% APY

User opportunity

Small rate differences compound over time

Historical archive

Money Market over time

+5bps this week
Apr 28Apr 30May 5May 6May 7May 8May 10May 11May 14May 15May 17May 18May 19May 21May 22May 23May 24May 25May 27May 28May 29May 31Jun 1Jun 2Jun 3Jun 4Jun 5Jun 6Jun 7Jun 8Jun 9Jun 10Jun 11Jun 12Jun 13Jun 14Jun 16Jun 17Jun 18Jun 19Jun 21Jun 22Jun 23Jun 24Jun 25

Jun 23

4.15%

Jun 24

4.15%

Jun 25

4.15%

What changed

Money Market moved up by 5 basis points this week.

Why it matters

Should my cash be in savings or a money market account?

What to do next

Compare fees, check-writing access, and APY together.

How we track this rateShow
SourceSwitchWize Rate Scout (Bankrate), updated daily
MethodBest MMA APY sourced from SwitchWize Rate Scout daily scrape. Rate reflects the highest published APY from FDIC- or NCUA-insured institutions. Some accounts require minimum balances for the advertised rate.

Verified existing coverage

Use what SwitchWize already has

6 links
GuideBest Money Market Accounts — High Rates With Check-Writing FlexibilityThe best money market accounts pay around 4.10% APY with check-writing access and FDIC insurance. We ranked 14 MMAs for rate, minimum balance, and withdrawal flexibility.GuideSoFi vs Marcus: Which High-Yield Savings Account Wins for Your Situation?SoFi and Marcus compared on rate, features, safety, and savings tools — here's how to decide which high-yield savings account fits your situation.GuideBest Debit CardsWe ranked the best debit cards of 2026 by the job they do best: cash back, high-yield savings, fee-free overdraft, ATM reach, and teen accounts.GuideThe Best High-Yield Savings Account for a Kid or Teen inA child's savings account at a big bank pays near zero, and over a long runway that gap compounds into real money. Here is how to put a kid's cash in a high-yield account, and the tax line to watch.CalculatorRate Gap CalculatorSee exactly how much money your bank is costing you every year.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

Related rate pages

All rates

Product rate

CD Rates

-5bps this week

4.15% APY

Best 12-month CD APY

See where CD yields sit today, how the lock-in window is changing, and when a CD ladder may make sense.

Product rate

Savings Rates

No weekly change

4.40% APY

Best HYSA APY

Track top savings APYs, national averages, and the rate gap between traditional banks and high-yield accounts.

Benchmark

Fed Funds

No weekly change

3.63%

Fed funds midpoint

Track the Fed policy rate and how it can affect savings APYs, CD rates, mortgage rates, and credit card APRs.

Product rate

Card APRs

No weekly change

24.99% APR

Typical purchase APR

Track credit card APR pressure and see when balance transfer or debt payoff actions may save money.