Highest Money Market Rates
Higher yields with check-writing flexibility

Newest reading: September 7, 2026

Today's Top 10 Rates:3.50-4.00% APYFDIC or NCUA Insured

FDIC Money Market Average 0.63% (as of Aug 2026) | Fed Funds Rate 3.63% (as of Sep 3, 2026)

Highest Money Market Accounts Above FDIC Average

Ordered by highest APY. The top 50 of 80 accounts above the 0.63% FDIC money market average.

Newest reading: Monday, September 7, 2026

Bank	Product	APY	Min. Deposit	Min. Balance	Details
Bank5 Connect	Money Market Account	4.00%	$100	$100
Climate First Bank	Impact Money Market	3.96%	$50,000	$50,000
Quontic Bank	Money Market Account	3.90%	$100	$0
Waterman Bank	Money Market	3.82%	$2,500	—
Bank Michigan	Premier Money Market Investments (MMI)	3.75%	$25,000	$25,000
Prime Alliance Bank	Personal Money Market	3.75%	$0	$0
FinWise Bank	Consumer Money Market	3.70%	$1,000	—
Security State Bank of Marine	Money Market Platinum	3.56%	—	—
FNBO Direct	Online Money Market Account	3.55%	$0	$0
Dundee Bank	Platinum Money Market Account	3.50%	$50,000	$50,000
Sallie Mae Bank	Money Market Account	3.50%	$0	$0
Winnsboro State Bank & Trust Company	WSB Money Market	3.45%	$2,500	$2,500
First Federal Bank of Kansas City	Money Market	3.45%	$1,000	—
Vio Bank	Cornerstone Money Market Savings	3.45%	$100	—
First Mid Bank & Trust, National Association	Jumbo Money Market	3.44%	$50,000	$50,000
Bank of Commerce	Essential Money Market	3.40%	$100	$2,500
UFB Direct	UFB Portfolio Money Market	3.26%	$0	$0	Fee: $10/month, waived with $5,000 balance
Global Bank	Personal Money Market	3.25%	$100	$100
Midland States Bank	Relationship Money Market	3.25%	$2,500	$0.01
PlainsCapital Bank	Personal Money Market	3.07%	$2,500	$2,500
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	Prime Money Market Account	3.05%	—	$2,500
BankVista	Money Market Savings	3.04%	—	$0
Ally Bank	Money Market Account	3.00%	$0	$0
THE VINTON COUNTY NATIONAL BANK	Rate Watchers Money Market Account	3.00%	$25,000	$0.01
Grant County Bank	Money Market Account	2.84%	$1,000	—
FirstBank of Nebraska	First Money Market	2.78%	$2,500	$2,500
All America Bank	Super Savers MMDA	2.75%	$2,500	$0	Fee: $5, if average daily balance for the month drops below $500
Farmers State Bank	Money Market Account	2.60%	$1,000	$0
Woodford State Bank	Platinum Money Market	2.53%	$50,000	$0.01
Artisans' Bank	Premier Money Market Account	2.50%	$5,000	$5,000
Farm Bureau Bank FSB	Plus Money Market	2.50%	$25,000	—
Gate City Bank	Money Market Savings	2.50%	$500	$500
Fall River Five Cents Savings Bank	Accelerator Money Market	2.48%	$25,000	$25,000
The Old Fort Banking Company	Marquee Money Market	2.37%	$0	—
Centreville Bank	Personal Premium Money Market	2.30%	$10,000	$10,000
Cape Ann Savings Bank	Lighthouse Personal Money Market Account	2.27%	$15,000	$15,000
Chelsea Savings Bank	Prime Money Market	2.27%	$1,000	$20,000
First Federal Savings and Loan Association	Resolute Money Market	2.27%	$10,000	$10,000
First State Bank	First Class Money Market	2.27%	$2,500	$0
Security Bank Minnesota	Platinum Money Market Savings $10,000 min./below $25 s/c $.01 $19,999.99	2.27%	$10,000	—
First National Bank of Clarksdale	Money Market	2.25%	$1,000	—
Community Bank of Pleasant Hill	Premier Money Management Account	2.23%	$25	$0
Ergo Bank	Go Money Market	2.22%	$1,000	—
Century Bank	Liberty Money Market	2.05%	$15,000	$1,000
Farmers & Merchants State Bank	Premium Money Market	2.04%	$250,000	—
Cape Ann Savings Bank	Money Market Account	2.02%	$500	$10
First Federal Savings and Loan Association of Bath	Premier Money Market	2.02%	$10,000	$10,000
Synchrony Bank	Money Market Account	2.00%	$0	$0
State Bank of Graymont	Tiered Money Market	1.87%	$2,500	—
Garden Plain State Bank	Money Market Investor Account	1.75%	—	$2,500