Best High-Yield Money Market Account Rates — May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Top high-yield money market rates currently available include Hoosier Hills Credit UnionHoosier Hills Credit Union630 Lincoln Ave, Bedford, IN 47421 2116A5.0 ★Texas Ratio: 9.40% offering High Yield Money Market at 4.05% APY, and Multipli Credit UnionMultipli Credit Union818 N Benton Ave, Springfield, MO 65802 3704A+5.0 ★Texas Ratio: 0.72% offering Platinum Money Market at 4.01% APY, and Christian Community Credit UnionChristian Community Credit Union255 N Lone Hill Ave, San Dimas, CA 91773 2308A+5.0 ★Texas Ratio: 3.71% offering High-Yield Money Market Promotion at 4.00% APY, and UFirst Federal Credit UnionUFirst Federal Credit Union274 Rugar St, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 4.10% offering High Yield Money Market Account at 4.00% APY. Savings rates as of April 25, 2026 according to verified data from MonitorBankRates.
We compared 787 high-yield money market rates from 220 banks and credit unions across all 50 states to help you find the best premium, preferred, and rewards money market account rates.
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: April 25, 2026
Compare the Best High-Yield Money Market Rates Nationwide
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Qualifying balance up to $100,000
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Qualifying balance up to $1,000.00
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Compounded Monthly; Qualifying balance up to $1,000,000.00
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Earn between 3.20%-3.82% APY based on your zip code; Minimum of $25,000 not currently deposited at Huntington.
Monthly
May add deposits at anytime. See below for account details.
May add deposits at anytime, no check writing privileges. See below for account details.
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Qualifying balance up to $25,000.00
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Community High Yield Money Market for consumer and business accounts. Earn 3.75% Annual Percentage Yield for new money only. Minimum balance of $10,000 to open.
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New Money**
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Available to Premium Checking customers; No monthly maintenance fees; Ideal for short-term savings or emergency funds
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Balances below $200,000 accrue at a rate of 0.35% APY*. Minimum opening deposit of $2,500. Rates may change after account opening.
Balances of $100,000 to $249,999.99 accrue at a rate of 3.25% APY*; Balances of $50,000 to $99,999.99 accrue at a rate of 3.00% APY*; Balances of $10,000 to $49,999.99 accrue at a rate of 2.25% APY*. Rates may change after account opening.
For balances of $100,000.00 and above. Fees may reduce earnings. Excessive transfers or withdrawals may result in fees.
Qualifications Required: High Yield Checking account required; Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers; Dividend Calculated Daily; Frequency of Compounding Quarterly
Open Online
For those who want more from their Money Market Account.
No additional details available.
Monthly
National Money Market Rate Trends
Daily national 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.
National high-yield money market rates currently average 3.081% APY, compiled from data across banks and credit unions nationwide.
Standard money market rates currently average 0.721% APY nationwide.
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 nationwide 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 National 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 national 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 nationally right now?
- Hoosier Hills Credit Union
High Yield Money Market — 4.05% APY - Multipli Credit Union
Platinum Money Market — 4.01% APY - Christian Community Credit Union
High-Yield Money Market Promotion — 4.00% APY - UFirst Federal Credit Union
High Yield Money Market Account — 4.00% APY - LMCU Lake Michigan Credit Union
Max Money Market — 4.00% APY
More Money Market Rate Options
