Best High-Yield Money Market Account Rates — July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top high-yield money market rates currently available include BluCurrent Credit UnionBluCurrent Credit Union1770 W SUNSET ST, SPRINGFIELD, MO 65807A+5.0 ★Texas Ratio: 3.56% offering Money Market (Premium Coverage) at 5.00% APY, and Hoosier Hills Credit UnionHoosier Hills Credit Union630 Lincoln Ave, Bedford, IN 47421 2116A5.0 ★Texas Ratio: 8.66% offering High Yield Money Market at 4.05% APY, and United Trust BankUnited Trust Bank12330 S Harlem Ave, Palos Heights, IL 60463A+5.0 ★Texas Ratio: 2.60% offering Premium Money Market Special at 4.00% APY, and UFirst Federal Credit UnionUFirst Federal Credit Union274 Rugar St, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 4.05% offering High Yield Money Market Account at 4.00% APY. Savings rates as of July 25, 2026 according to verified data from MonitorBankRates.
We evaluate the financial stability of every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — so you can maximize yield and deposit with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. Savings Account Rates Last Updated and Verified: July 25, 2026
Compare the Best High-Yield Money Market Rates
Qualifying balance up to $7,500.00
Rates are effective as of 7/15/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
as of 4/9/2025
No additional details available.
As Low As
Tiered rates; No minimum balance required; Up to 3 withdrawals a month.
APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. For additional information on your account please see your Membership & Account Agreement. For additional information about fees please see the Fee Schedule.
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as of 4/9/2025
No additional details available.
Rates are effective as of 7/15/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
No additional details available.
May add deposits at anytime. See below for account details.
May add deposits at anytime, no check writing privileges. See below for account details.
Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Variable rate. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
SPECIAL OFFER; Earn Up to 3.75% APY* on Your Business Money Market Account
Earn Up to 3.75% APY* on Your Business Money Market Account. Apply online with just a few clicks and put your business on a better path.
Qualifications Required; Qualifying balance up to $1,000,000.00
No additional details available.
Earn up to 3.70% APY* while keeping enhanced access to your funds
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Rates are effective as of 7/15/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
No additional details available.
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($25,000 or more)
No additional details available.
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Available to Premium Checking customers when linked with a Premium Checking Account. No monthly maintenance fees. Easy online access and flexibility to move funds when needed.
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Compounding: Daily
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No additional details available.
This account pays 3.50% APY* for balances of $200,000 or more. The rate varies based on the balance in the account. Annual Percentage Yield's are accurate as of January 13, 2023. Rates may change after account opening.
No additional details available.
Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; Subject to Change Daily; * High Yield Checking account required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. High Yield Checking qualifiers to earn High Yield dividends: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. The Annual Percentage Yield (APY) for High Yield Money Market is 3.50% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. No dividends are paid for the dividend period if minimum average daily balance qualifier is not met. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account.
Balances over $250,000 accrue at a rate of 3.50 % APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle.
FOR BALANCES OVER $100,000. Earn dividends on balances over $100,000. No monthly service fee.
Money Market Rate Trends
Daily average APYs for high-yield and standard money market accounts
Weekly averages compiled from thousands of current savings rates across our database of 8,500+ banks and credit unions — updated every evening.
High-yield money market rates fell 0.010 points this week to 3.034% APY, down from 3.043% last week.
Standard money market rates fell 0.004 points this week to 0.704% APY.
What Is a High-Yield Money Market Account?
A High-Yield Money Market Account (HYMA) is a federally insured deposit account that combines the rate competitiveness of a high-yield savings account with the flexibility of limited check-writing and debit access. These accounts are offered by online banks and credit unions that pass their lower overhead costs to depositors in the form of elevated APYs.
All legitimate money market accounts at FDIC-member banks are insured up to $250,000 per depositor. Credit union equivalents are covered by the NCUA for the same amount. Your principal is safe regardless of market conditions, and your funds remain liquid.
How to Compare High-Yield Money Market Rates
When evaluating a high-yield money market account, look beyond the headline APY. Consider: minimum deposit requirements, whether the rate is promotional or ongoing, any balance tiers that change the rate, check-writing and debit card access, and monthly fee structures. MonitorBankRates also displays each institution’s Safety Grade, Star Rating, and Texas Ratio — so you can evaluate financial health alongside rate competitiveness.
HYMA vs. CD: A high-yield money market account keeps your money fully liquid with flexible access options. A Certificate of Deposit (CD) locks your funds for a fixed term in exchange for a guaranteed rate. If you don’t need immediate access, CDs can offer higher yields than even the best money market accounts.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate high-yield money market account rates directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from institutions’ own digital properties and manually verifying yields daily, every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and Coast-to-Coast Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield online banks available to savers in all 50 states.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency into when that specific rate was confirmed.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Deposit Account Calculators
Frequently Asked Questions about High-Yield Money Market Accounts
What is a High-Yield Savings Account (HYSA)?
Is my money safe in a money market account?
Savings Account vs. Certificate of Deposit (CD)?
How often do money market rates change?
Do I have to pay taxes on interest earned in a money market account?
Are online banks better than local banks for money market accounts?
How do I open a high-yield money market account?
What are the best High-Yield Money Market rates right now?
- BluCurrent Credit Union
Money Market (Premium Coverage) — 5.00% APY - Hoosier Hills Credit Union
High Yield Money Market — 4.05% APY - United Trust Bank
Premium Money Market Special — 4.00% APY - UFirst Federal Credit Union
High Yield Money Market Account — 4.00% APY - 1st Advantage Federal Credit Union
Performance Plus Money Market — 4.00% APY
More Money Market Rate Options
