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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

4.05% APY

Benchmark average

0.63% APY

User opportunity

Small rate differences compound over time

Historical archive

Money Market over time

+5bps this week
Jun 4Jul 2Jul 29Aug 26Sep 23

Sep 21

4.10%

Sep 22

4.00%

Sep 23

4.10%

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.GuidePrivate Bank Minimum Requirements: The Real Entry LadderPrivate bank minimum requirements range from $3M to $25M in investable assets. Compare thresholds, fees, and alternatives to find your best fit.GuideRetirement Savings: Build a Plan That Actually LastsA complete guide to retirement savings 2026 covering how much to save, which accounts to use, catch-up strategies for late starters, and tax-smart withdrawals.GuideTokenized Treasuries Guide: On-Chain T-Bill Yield ExplainedA complete tokenized treasuries guide comparing on-chain T-bill yields, fees, and risks to money market funds and high-yield savings accounts for 2026.CalculatorRate Gap CalculatorCompare two entered APY scenarios over one year and show simple, non-compounded five- and ten-year extensions.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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