Money Market Rates Hold Steady;
High-Yield at 3.054%

Money market rates held steady this week, with four of five tracked tiers moving less than 0.020 points. High-yield MMA was virtually unchanged at 3.054%, holding above 3% for a fifth consecutive week. Jumbo MMA posted the week’s largest move, easing 0.023 points to 1.741% — giving back a fraction of recent gains. Standard, credit union, and business tiers were essentially flat.

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

NATIONAL — National money market account APYs held steady for the week ending May 25, 2026, with four of five tracked tiers moving less than 0.020 points. High-yield money market rates were virtually unchanged, easing just 0.002 points to 3.054% — holding above the 3% threshold for a fifth consecutive week. The week’s largest move was jumbo money market, which eased 0.023 points to 1.741%, giving back a fraction of recent gains. Standard MMA edged up 0.004 points to 0.718%, credit union MMA slipped 0.003 points to 1.261%, and business MMA eased 0.015 points to 1.042%.

High-yield money market APYs were virtually unchanged, easing just 0.002 points to 3.054% — a flat reading that extends the tier’s run above 3% to a fifth consecutive week. Over the past month, high-yield MMA has averaged roughly 3.05% with only fractional week-to-week variation. For savers, this kind of extended plateau at the top of the curve makes rate comparison-shopping more practical: institution offers are unlikely to shift dramatically week-over-week, so a competitive rate captured today should hold for the near term.

Jumbo money market APYs eased 0.023 points to 1.741%, the week’s largest move — though still a modest one. The decline gives back a small fraction of the tier’s recent gains, which had included a sharp jump in mid-May. Jumbo MMA remains comfortably in second place on the curve, well above standard, credit union, and business products. A single-week pullback of this size after a strong run is routine consolidation rather than a directional shift; the tier’s position relative to the rest of the curve is unchanged.

The middle and bottom of the curve were essentially static. Standard MMA edged up 0.004 points to 0.718% — functionally unchanged. Credit union MMA slipped 0.003 points to 1.261%, and business MMA eased 0.015 points to 1.042%. None of the three moved enough to register as meaningful. The 2.336-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 $584 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.

A quiet week is itself a kind of signal. After several weeks of notable movement — particularly the jumbo tier’s sharp swings in mid-May — the money market curve settled into near-total stillness, with no tier moving more than 0.023 points. Weeks like this typically come between bigger directional moves: institutions hold pricing in place while waiting for clearer signals from Treasury yields or competitive deposit flows. The conventional ordering across the MMA curve remained intact, with high-yield products leading, jumbo in clear second place, and standard, business, and credit union tiers clustered below.

For savers, the high-yield tier’s stability above 3% remains the most actionable feature of this market. Five 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. Jumbo MMA at 1.741% holds clear second place, while credit union and business MMAs occupy the middle of the curve at roughly 1.04% to 1.26% — competitive against standard products but well below high-yield. Track how the curve evolves on the money market rate trends page.