What is a Money Market Account?

A money market account (MMA) is a type of savings account offered by banks and credit unions that typically pays higher interest rates. They often come with check-writing privileges.

Are Money Market rates variable?

Yes, money market rates are variable, meaning the bank can change the interest rate (APY) at any time.

Is my money safe in a Money Market Account?

Yes. Funds in money market accounts at FDIC-insured banks or NCUA-insured credit unions are protected up to $250,000 per depositor.

What is the difference between a Money Market and a CD?

A CD locks your money away for a set term at a fixed rate. A Money Market Account allows you to withdraw funds and has a variable interest rate.

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Money Market Account Rates - Current National Rates

Name: Money Market Rate Comparison Tool
Author: MonitorBankRates

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Money Market Rates

Content reviewed by

Brian McKay

Compare the Best Money Market Account Rates

Current national money market rates include Meridian Trust Federal Credit UnionMeridian Trust Federal Credit UnionA+5.0 ★Texas Ratio: 3.55% offering Momentum Money Market at 6.00% APY, 1st Northern California Credit Union1st Northern California Credit UnionA+5.0 ★Texas Ratio: 0.24% offering 1st Class Money Market Accounts at 5.39% APY, Connection Credit UnionConnection Credit UnionA5.0 ★Texas Ratio: 8.87% offering Youth Money Market at 5.12% APY, PSB of PlainviewPSB of PlainviewA+5.0 ★Texas Ratio: 4.73% offering Kasasa Cash* Money Market Business Checking at 5.00% APY, and Noble Federal Credit UnionNoble Federal Credit UnionA+5.0 ★Texas Ratio: 4.58% offering Reverse Money Market at 5.00% APY.

Finding the best money market rates is essential for maximizing your savings while maintaining easy access to your funds. Unlike standard savings accounts, high-yield money market accounts (MMAs) often provide check-writing privileges and debit card access, making them a flexible option for emergency funds or short-term savings goals. We recommend comparing rates from multiple FDIC-insured banks and credit unions to ensure you are getting the highest APY available for your minimum deposit amount.

The following rates reflect recent market quotes and representative offers available to U.S. depositors. Money rates change all the time and may vary by financial institution and market conditions. Last Updated and Verified: March 5, 2026

Top National MMA Rates

Meridian Trust Federal Credit Union

A+5.0 ★Texas Ratio: 3.55%

Momentum Money Market - 6.00% APY

1st Northern California Credit Union

A+5.0 ★Texas Ratio: 0.24%

1st Class Money Market Accounts - 5.39% APY

Connection Credit Union

A5.0 ★Texas Ratio: 8.87%

Youth Money Market - 5.12% APY

PSB of Plainview

A+5.0 ★Texas Ratio: 4.73%

Kasasa Cash* Money Market Business Checking - 5.00% APY

Current Money Market Rates

STATE:

MIN DEPOSIT:

Institution

Product

APY

Min Deposit

Meridian Trust Federal Credit Union

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 3.55%

Alliance, CO

Momentum Money Market

6.00%

▼

Rate 0.00%

Min Deposit $0

Updated March 4, 2026

Details Earn More With Less; Open a Momentum Money Market account and get 6.00% APY* on your first $2,000.

1st Northern California Credit Union

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 0.24%

Benicia, CA

1st Class Money Market Accounts

5.39%

▼

Rate 0.00%

Min Deposit $0

Updated March 2, 2026

Details Earns 5.39% APY on balances $0.00 - 24,999.99

Connection Credit Union

INSTITUTION RATING:

A5.0 ★ Texas Ratio: 8.87%

Bremerton, WA

Youth Money Market

5.12%

▼

Rate 5.00%

Min Deposit $1

Updated March 2, 2026

Details

PSB of Plainview

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 4.73%

Altura, MN

Kasasa Cash* Money Market Business Checking

5.00%

$25

▼

Rate 4.89%

Min Deposit $25

Updated February 26, 2026

Details $0 - $25,000

Noble Federal Credit Union

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 4.58%

Clovis, CA

Reverse Money Market

5.00%

▼

Rate 4.89%

Min Deposit $0

Updated February 28, 2026

Details

Noble Federal Credit Union

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 4.58%

Clovis, CA

Reverse Money Market Account

5.00%

▼

Rate 4.89%

Min Deposit $0

Updated February 28, 2026

Details

Gulf Coast Community Federal Credit Union

INSTITUTION RATING:

A5.0 ★ Texas Ratio: 6.15%

Bay St Louis, MS

Money Market

5.00%

▼

Rate 4.89%

Min Deposit $0

Updated March 4, 2026

Details Earns 5.00% APY on balances 0 - $25,000

Max Credit Union

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 3.24%

Auburn, AL

Elevate Money Market Account

5.00%

▼

Rate 0.00%

Min Deposit $0

Updated March 4, 2026

Details

First Service Bank

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 2.08%

Bryant, AR

Personal Premier Money Market

4.64%

▼

Rate 0.00%

Min Deposit $0

Updated March 4, 2026

Details balances up to $20,000.00 = 4.64%; $20,000.01 to $50,000.00 = 3.00%; $50,000.01 to $250,000.00 = 2.00%; balances over $250,000.00 = 1.00%. Rates are accurate as of 12-1-25 and can change at any time. Fees may reduce earnings. Offer is subject to change. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).

First Service Bank

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 2.08%

Bryant, AR

Personal Premier Money Market Account

4.64%

▼

Rate 0.00%

Min Deposit $0

Updated March 4, 2026

Details

First Service Bank

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 2.08%

Bryant, AR

Premier Money Market

4.64%

$100

▼

Rate 0.00%

Min Deposit $100

Updated March 4, 2026

Details APY interest on balances up to $20,0002

Priority Bank

INSTITUTION RATING:

C-3.8 ★ Texas Ratio: 29.92%

Fayetteville, AR

Money Market Account

4.59%

▼

Rate 4.50%

Min Deposit $0

Updated March 5, 2026

Details ($500,000+)

Climate First Bank

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 0.00%

Eustis, FL

Business Money Market

4.51%

$50

▼

Rate 4.41%

Min Deposit $50

Updated March 3, 2026

Details Earn a bonus rate when your primary business banking relationship is with Climate First Bank. Account holder must maintain their primary business checking relationship with Climate First bank to open this account and qualify for the bonus money market rate. Primary business checking account is defined as the account where business hold funds and transacts for all activities related to business operations, including but not limited to: Deposits of all income from customers whether via check, ACH, cash, or otherwise, Paying employees, Paying vendors and suppliers, Advertising and Marketing expenses, Any and all other Operating Expenses paid by the company. This Account is an interest bearing account. The interest rate on the account is 4.41% with an annual percentage yield (APY) of 4.51%. The interest rate and annual percentage yield may change. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. You must deposit $50.00 to open this account. A monthly $10.00 paper statement fee will be assessed to receive a paper statement.

New England Federal Credit Union

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 4.53%

Bennington, MI

Essential Money Market

4.50%

▼

Rate 0.00%

Min Deposit $0

Updated March 4, 2026

Details up to

Americas Christian Credit Union

INSTITUTION RATING:

A+5.0 ★ Texas Ratio: 3.60%

Glendora, CA

Corporate Money Market Tier 8

4.50%

▼

Rate 0.00%

Min Deposit $0

Updated March 2, 2026

Details If the average balance falls below $2,500, a $10.00 fee per month will be charged.

Disclaimer

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates nationwide directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every money market rate displayed on monitorbankrates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized money market rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield MMAs from large national institutions available to savers nationwide.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every single money market product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.

Disclaimer: Money market rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with the specific financial institution's official website for the most current offers and terms. Last Updated and Verified: March 6, 2026

Frequently Asked Questions

What is a Money Market Account?

A money market account (MMA) is a type of savings account offered by banks and credit unions that typically pays higher interest rates. They often come with check-writing privileges.
Are Money Market rates variable?

Yes, money market rates are variable, meaning the bank can change the interest rate (APY) at any time.
Is my money safe in a Money Market Account?

Yes. Funds in money market accounts at FDIC-insured banks or NCUA-insured credit unions are protected up to $250,000 per depositor.
What is the difference between a Money Market and a CD?

A CD locks your money away for a set term at a fixed rate. A Money Market Account allows you to withdraw funds and has a variable interest rate.