Best High-Yield Money Market Account Rates — June 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: 8.66% offering High Yield Money Market at 4.05% APY, and LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union4866 Alpine Ave NW, Comstock Park, MI 49321 8579A+5.0 ★Texas Ratio: 2.33% offering Max Money Market 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, and UFirst Federal Credit UnionUFirst Federal Credit Union274 Rugar St, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 4.05% offering High-Yield Money Market at 4.00% APY. Savings rates as of June 10, 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: June 10, 2026
Compare the Best High-Yield Money Market Rates Nationwide
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$1,000,000 +
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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.
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Qualifications Required; If qualifications are met
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*$1,000 minimum to open
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Min $2500
Apple Choice Banking Program
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The rate varies based on the balance in the account. Annual Percentage Yield's are accurate as of January 13, 2023. Balances below $200,000 accrue at a rate of 0.35% APY*. Rates may change after account opening. Other fees may apply: Consult an Account Specialist at your local branch for more details. Fees could reduce earnings a on the account.
Balances over $250,000 accrue at a rate of 3.50% APY*. Annual Percentage Yield's are accurate as of March 17, 2025. Balances below $10,000 accrue at a rate of 0.05% APY. These accounts pay higher interest rates and the rates are based on the account balance. 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. Other fees may apply and could reduce earnings on the account. Consult an Account Specialist for more details.
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Qualifications Required; If qualifications are met
Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; High Yield Checking account required. 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. 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.
Available to Premium Checking customers. No monthly maintenance fees. Easy online access and flexibility to move funds when needed. Ideal for short-term savings or emergency funds.
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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 0.004 points this week to 3.088% APY, up from 3.083% last week.
Standard money market rates currently average 0.713% 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.
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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 - LMCU Lake Michigan Credit Union
Max Money Market — 4.00% APY - UFirst Federal Credit Union
High Yield Money Market Account — 4.00% APY - Shoreline Credit Union
Elite Money Market — 4.00% APY - Service One Credit Union
Premium Money Market — 4.00% APY
More Money Market Rate Options
