Highest Money Market Rates
Higher yields with check-writing flexibility
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 Aug 20, 2026)
Highest Money Market Accounts Above FDIC Average
Ordered by highest APY. The top 50 of 65 accounts above the 0.63% FDIC money market average.
Rates verified: Saturday, August 22, 2026
| Bank | Product | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Waterman Bank | Money Market | 3.82% |
| Quontic Bank | Money Market Account | 3.80% |
| Bank Michigan | Premier Money Market Investments (MMI) | 3.75% |
| Prime Alliance Bank | Personal Money Market | 3.75% |
| FinWise Bank | Consumer Money Market | 3.70% |
| Security State Bank of Marine | Money Market Platinum | 3.56% |
| FNBO Direct | Online Money Market Account | 3.55% |
| Dundee Bank | Platinum Money Market Account | 3.50% |
| Sallie Mae Bank | Money Market Account | 3.50% |
| Winnsboro State Bank & Trust Company | WSB Money Market | 3.45% |
| First Federal Bank of Kansas City | Money Market | 3.45% |
| Vio Bank | Cornerstone Money Market Savings | 3.45% |
| First Mid Bank & Trust, National Association | Jumbo Money Market | 3.44% |
| UFB Direct | UFB Portfolio Money Market | 3.26% |
| Global Bank | Personal Money Market | 3.25% |
| Midland States Bank | Money Market Account | 3.25% |
| PlainsCapital Bank | Personal Money Market | 3.07% |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Prime Money Market Account | 3.05% |
| Ally Bank | Money Market Account | 3.00% |
| Grant County Bank | Money Market Account | 2.84% |
| FirstBank of Nebraska | First Money Market | 2.78% |
| All America Bank | Super Savers MMDA | 2.75% |
| Farmers State Bank | Money Market Account | 2.60% |
| Woodford State Bank | Platinum Money Market | 2.53% |
| Farm Bureau Bank FSB | Plus Money Market | 2.50% |
| Gate City Bank | Money Market Savings | 2.50% |
| Fall River Five Cents Savings Bank | Accelerator Money Market | 2.42% |
| The Old Fort Banking Company | Marquee Money Market | 2.37% |
| First Federal Savings and Loan Association | Resolute Money Market | 2.27% |
| First State Bank | First Class Money Market | 2.27% |
| Security Bank Minnesota | Platinum Money Market Savings $10,000 min./below $25 s/c $.01 $19,999.99 | 2.27% |
| First National Bank of Clarksdale | Money Market | 2.25% |
| Ergo Bank | Go Money Market | 2.22% |
| Farmers & Merchants State Bank | Premium Money Market | 2.04% |
| First Federal Savings and Loan Association of Bath | Premier Money Market | 2.02% |
| Synchrony Bank | Money Market Account | 2.00% |
| State Bank of Graymont | Tiered Money Market | 1.87% |
| Garden Plain State Bank | Money Market Investor Account | 1.75% |
| Center National Bank | Money Market Platinum Savings | 1.74% |
| CIT Bank | Money Market | 1.55% |
| Bank Michigan | Money Market Investments (MMI) | 1.50% |
| Dundee Bank | Money Market Account | 1.50% |
| First State Bank & Trust | Classic Money Market | 1.35% |
| First Federal Savings and Loan Association of Central Illinois, S.B. | Money Market | 1.26% |
| Security Bank Minnesota | Money Market - Investment Savings | 1.26% |
| Woodford State Bank | Personal Money Market | 1.26% |
| Central Penn Bank & Trust | Personal Money Market | 1.25% |
| First Federal Savings and Loan Association | First Choice Money Market | 1.25% |