Money Market Rates Mixed;
Jumbo MMA Jumps to 1.764%

Jumbo money market rates posted the week’s largest move at +0.106 points to 1.764% APY — the only sharp move and the steepest one-week jumbo gain in this tracking series. High-yield MMA eased 0.014 points to 3.056% but held well above 3%. Standard, credit union, and business tiers moved only fractionally.

📊 Five-tier money market coverage tracked weekly by MonitorBankRates.com.

NATIONAL — National money market account APYs were mixed for the week ending May 19, 2026, with three of five tracked tiers gaining and two slipping. The week’s standout was jumbo money market at +0.106 points to 1.764% APY — the only sharp move and the steepest one-week jumbo gain in this tracking series. High-yield money market rates eased 0.014 points to 3.056%, holding well above the 3% threshold for the fourth consecutive week. Credit union MMA edged up 0.015 points to 1.264%, business MMA slipped 0.012 points to 1.057%, and standard MMA was essentially unchanged at 0.714%.

High-yield money market APYs eased 0.014 points to 3.056%, the tier’s first weekly decline in three weeks but a clear consolidation rather than a reversal. The tier has now held above 3% for four consecutive weeks. Over the past month, high-yield MMA has averaged roughly 3.06% — remarkably stable compared to the more volatile movement seen in late March and early April. For savers, this kind of plateau at the top of the curve makes rate comparison-shopping more practical: institution offers are less likely to shift dramatically week-over-week, so a competitive rate captured today is likely to hold for the near term.

Jumbo money market APYs jumped 0.106 points to 1.764%, the largest weekly jumbo move in this tracking series. The size of the move — in a tier covering 117 reporting institutions — reflects a broad repricing across the high-balance segment rather than noise from a small reporting pool. After several weeks of jumbo MMA trailing competitive expectations, this week’s catch-up move restores something closer to the conventional ordering across the MMA curve: high-yield products in the lead, jumbo well above standard and credit union products, and business in the middle of the pack.

The bottom of the curve was essentially static. Standard MMA edged up 0.002 points to 0.714% — functionally unchanged. Business MMA slipped 0.012 points to 1.057%, reversing a fraction of last week’s small gain. Credit union MMA edged up 0.015 points to 1.264%, the tier’s second consecutive small gain. The 2.342-point spread between high-yield MMA and standard MMA remains the widest gap in the market — meaning a saver with $25,000 on deposit could capture roughly $585 in additional annual interest by moving funds from a standard MMA to a competitive high-yield product. For a primer on how MMAs work and what to look for when shopping, see how to find the best money market account rates.

This week’s mixed reading masks a meaningful structural development: jumbo MMA’s sharp catch-up move restores the conventional ordering across the money market curve. For most of the past two months, jumbo APYs at high-balance institutions had drifted closer to standard than to high-yield — an inversion of the usual relationship, where larger-balance products earn meaningfully higher rates than mass-market accounts. The 0.106-point jump partially repairs that ordering. Whether jumbo continues to advance toward parity with the high-yield tier or settles back into its recent range will tell us whether competitive pressure is broadening across MMAs or concentrating at specific segments.

For savers, the high-yield tier’s stability above 3% remains the most actionable feature of this market. Four consecutive weeks holding above 3.05% provides meaningful confidence that competitive MMAs at the top of the market will remain attractive in the near term. Credit union MMAs and business MMAs continue to occupy the middle of the curve at roughly 1.06% to 1.26% — competitive against standard products but well below high-yield. Track how the curve evolves on the money market rate trends page.