Best High-Yield Money Market Account Rates — April 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 Vision BankVision Bank101 E Main St, Ada, OK 74820A-5.0 ★Texas Ratio: 14.23% offering Premium Money Market Special at 4.07% APY, and Spencer Savings BankSpencer Savings Bank611 River Dr, Elmwood Park, NJ 07407A+5.0 ★Texas Ratio: 2.42% offering Premium Money Market at 4.00% APY, and Service One Credit UnionService One Credit Union1609 Campbell Ln, Bowling Green, KY 42104A5.0 ★Texas Ratio: 12.56% offering Premium Money Market at 4.00% APY, and 1st Advantage Federal Credit Union1st Advantage Federal Credit Union224 Commons Way, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 2.79% offering Performance Plus Money Market at 4.00% APY. Savings rates as of April 8, 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: April 8, 2026
Compare the Best High-Yield Money Market Rates Nationwide
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LIMITED-TIME money market offers! To receive the 0.50% APY rate bump resulting in a promotional APY of 4.00%, customer must open or maintain an active existing Non-Interest-Bearing Checking Account at the same time as Premium Money Market account opening with the same tax-identification number as the money market account holder and maintain a daily minimum balance of $5,000 or more for the duration of the promotional period. Account must be opened by 5/30/2026 and rate is guaranteed for 120 days from date of account opening. After the promotional period ends, standard pricing will apply and the rate will change. APYs are accurate as of 3/01/2026 and subject to change without notice. Offers may be withdrawn at any time. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit relationship and who are primary residents of and live in Bucks County, PA. NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank.
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Qualifying balance up to $100,000
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Minimum of $25,000 not currently deposited at Huntington.
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May add deposits at anytime. See below for account details.
May add deposits at anytime, no check writing privileges. See below for account details.
Qualifications Required
($25,000 minimum opening deposit)
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($25,000 or more)
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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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Range: $1,500,000.00 - $99,999,999.99
Eligible for a preferred pricing rate bonus
Apple Choice Banking Program
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New Money**
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Qualifications Required
Open Online
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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 rose 0.125 points this week to 1.237% APY, up from 1.112% last week.
Standard money market rates rose 0.083 points this week to 1.114% 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 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?
- Vision Bank
Premium Money Market Special — 4.07% APY - Spencer Savings Bank
Premium Money Market — 4.00% APY - Service One Credit Union
Premium Money Market — 4.00% APY - 1st Advantage Federal Credit Union
Performance Plus Money Market — 4.00% APY - United Trust Bank
Premium Money Market Special — 4.00% APY
More Money Market Rate Options
