Highest Money Market Rates
Higher yields with check-writing flexibility

Newest reading: October 6, 2026

Today's Top 10 Rates:4.00-4.64% APYFDIC or NCUA Insured

FDIC Money Market Average 0.63% (as of Sep 2026) | Fed Funds Rate 3.88% (as of Oct 2, 2026)

Highest Money Market Accounts Above FDIC Average

Ordered by highest APY. The top 50 of 669 accounts above the 0.63% FDIC money market average.

Newest reading: Tuesday, October 6, 2026

Bank	Product	APY	Min. Deposit	Min. Balance	Details
First Service Bank	Personal Premier Money Market Account	4.64%	—	—	Fee: $5 service charge per month
GreenWay Bank	Money Market Special	4.25%	$5,000	$5,000
GSL Savings Bank	GSL Money Maker Account	4.03%	$1,000	$100
American Bank & Trust Company, Inc.	Money Market (Personal)	4.00%	$2,500	$2,500
Bank5 Connect	Money Market Account	4.00%	$100	$100
Farmers and Merchants Bank of St. Clair	Premium MMDA	4.00%	$50,000	$50,000
Farmers & Merchants State Bank	Premium Money Market	4.00%	$250,000	—
First Bank of Central Ohio	Platinum Money Market	4.00%	$50	$2,000,000	Fee: Minimum Balance $2,000,000. The rate table footnote reads "Indicates minimum average balance to keep in account to avoid incursion of fees." No fee amount is published for this account.
Salem Five Cents Savings Bank	Club Five Money Market	4.00%	$10	$10
United Trust Bank	New Money Only Money Market	4.00%	$10,000	$10,000	Fee: Fees apply to account if average balance drops below $10,000.
Climate First Bank	Impact Money Market	3.96%	$50,000	$50,000
Prime Alliance Bank	Personal Money Market	3.90%	$0	$0
Quontic Bank	Money Market Account	3.90%	$100	$0
First Internet Bank of Indiana	Money Market Savings	3.88%	$100	$0
Cornhusker Bank	Platinum Money Market Account	3.87%	$1,000	—
FCB Banks	Hometown Money Market (with Direct Deposit)	3.85%	$55,000	$55,000
Kendall Bank	Money Market Account	3.85%	$100	—
Old National Bank	Market Monitor	3.85%	$50	$20,000
Bank of Lake Mills	High-Yield Money Market Account	3.82%	$50,000	$0
Gulf Coast Business Bank	Money Market Account	3.82%	$2,500	$2,500
The Dolores State Bank	Momentum Money Market Account	3.82%	$1,000	—
Waterman Bank	Money Market	3.82%	$2,500	—
International Bank of Chicago	Premier Money Market	3.80%	$250,000	$250,000
Bank Michigan	Premier Money Market Investments (MMI)	3.75%	$25,000	$25,000
Centennial Bank	Money Market Account	3.75%	$2,500	$2,500
FCB Banks	Hometown Money Market (without Direct Deposit)	3.75%	$55,000	$55,000
International Bank of Chicago	Money Market Account	3.75%	$2,500	$2,500
Merchants Bank of Indiana	Money Market	3.75%	$50	$0
New OMNI Bank, National Association	Personal Money Market	3.75%	$2,500	$2,500	Fee: $10 service charge, waived with a minimum average daily balance of $2,500
North Easton Savings Bank	Signature Money Market	3.75%	$500	$0.01
Priority Bank	Money Market Account	3.75%	$50	$2,500
Southwest Heritage Bank	Personal PremiumPlus Money Market	3.75%	$100,000	$1,000
Port Richmond Savings	Money Market - Super Premium	3.74%	$1,000	$500,000
The Bank of Romney	Money Market Account	3.71%	$2,500	—
UMB Bank, National Association	UMB Retail Money Market	3.71%	—	—
Winnsboro State Bank & Trust Company	WSB Money Market	3.71%	$2,500	$2,500
FinWise Bank	Consumer Money Market	3.70%	$1,000	—
First Mid Bank & Trust, National Association	Jumbo Money Market	3.70%	$50,000	$50,000
Morgantown Bank & Trust Company, Incorporated	Performance Money Market	3.70%	$5,000	$5,000
Reliance Savings Bank	Destination Money Market	3.70%	$5,000	$0.01
The Upstate National Bank	Money Market Deposit Account	3.70%	—	—
Wrentham Co-operative Bank	Premier Money Market	3.70%	$100,000	$100,000
Bank of the Flint Hills	Money Market	3.66%	$1,000	—
Customers Bank	Ascent Money Market Savings Account	3.63%	$25,000	$25,000
Riverside Savings Bank, SSB	Choice Money Market	3.61%	—	$0
Harford Bank	Community Money Market Account	3.60%	$100	$1
Sallie Mae Bank	Money Market Account	3.60%	$0	$0
Atkins Savings Bank & Trust	Money Market Account	3.56%	$25,000	—
Bank Northwest	Pinnacle Money Market	3.56%	$2,500	—
First Federal Savings and Loan Association of Lakewood	Thrive Money Market	3.56%	$25,000	$0