Best money market account rates today, August 14, 2025 (earn up to 4.41% APY)

Learn about banks that offer the best MMA rates today. With the low interest rates after the recent price discounts at the Federal Reserve, it is more important than ever to make sure that you get a competitive rate of your savings. One of the options you may want to take into account is the MMA account account. These accounts are similar to savings accounts-which provide attention on your balance, but they may also include a discount card and/or the possibilities of checking checks.

I wonder where the highest money market account rates can be found? Here is what you need to know.

From a historical perspective, interest rates at the expense of the money market were very high. The average national interest rate for the money market accounts is only 0.62 %, according to FDIC, but the higher market account rates often pay more than 4 % APY or more-according to the rates provided in high-yield savings accounts.

Below is a look at some of the best MMA prices available today:

Watch our choices for the 10 best money market accounts today >>

In addition, the table below is characterized by some of the best account rates in the savings and money market today from our verified partners.

Between July 2023 and September 2024, the Federal Reserve maintained a target of its Federal Money Federal Money 5.25 % – 5.50 %. However, with the cooling of inflation and the improvement of the economy, the Federal Reserve reduced the rate of federal funds by 50 basis points in September 2024. It reduced 25 other basis points in November, and in December, the Federal Reserve reduced its final price per year (25 bits per second). Federal funds are now 4.25 % -4.50 %.

As a result, the money market prices began to decline. Although there is no price reduction so far in 2025, there may be a change in the rate in its next meeting in September, which now means that it is the last opportunity for two decisions to benefit from today’s rates.

Read more: Can you lose money in the money market account?

Given that the money market account rates are still high, these accounts are an attractive option for savings. However, determining whether this is the time to put money in the money market account also depends on your financial goals and the broader economic conditions. Below are some of the main factors to consider:

• Liquidity needs: The money market accounts provide easy access to your money since they often come with the capabilities of writing checks or access to the discount card (although there may be a maximum monthly withdrawal). If you need to keep your money available while continuing to get a decent return, the money market account may be perfect.

• Savings goals: If you have short -term saves or want to build an emergency box, the money market account can provide a safer place for your money, with better returns than most traditional savings accounts.

• Risks: For conservative savings who prefer to avoid ascending and landing in the stock market, the money market accounts are attractive because they are supported by FDIC and cannot lose its head. However, if you save a long -term target like retirement, the most dangerous investments will be necessary to generate higher returns that will take you to your savings goal.

Given that interest rates are still high, it may now be an appropriate time to consider the money market account, especially if you are looking for safety, liquidity and better returns than traditional savings accounts. Comparing rates from different institutions will help you find the best options available.

Today’s money market account rates differ slightly through various financial institutions. Although the average national average MMA is 0.64 % currently, there are some banks that offer more than 4 % APY. In general, you will not find the money market prices exceeding 4.50 %.

Unfortunately, there are very few accounts that provide 7 % interest. Those present are limited time promotional offers, usually found in checking accounts. There are currently no money market accounts pay 7 %.