Best Money Market Account Rates - April 2026 | Up to 6.00%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top national money market account rates today include Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY 82001A+5.0 ★Texas Ratio: 3.55% Momentum Money Market at 6.00% APY, 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Martinez, CA 94553A+5.0 ★Texas Ratio: 0.24% 1st Class Money Market Accounts at 5.39% APY, Connection Credit UnionConnection Credit Union10200 Silverdale Way NW, Silverdale, WA 98383A5.0 ★Texas Ratio: 8.87% Youth Money Market at 5.12% APY, Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit Union12364 Highway 49, Gulfport, MS 39503A5.0 ★Texas Ratio: 6.15% Money Markets at 5.00% APY, and Noble Federal Credit UnionNoble Federal Credit Union2580 W Shaw Ln, Fresno, CA 93711 2778A+5.0 ★Texas Ratio: 4.58% Reverse Money Market at 5.00% APY. Money market rates as of March 28, 2026 according to verified data from MonitorBankRates.
Finding the best money market rates is essential for maximizing your savings while maintaining easy access to your funds. Unlike standard savings accounts, high-yield MMAs often provide check-writing privileges and debit card access — making them ideal for emergency funds or short-term savings goals.
We empower you with transparent financial health metrics including A–F Safety Grades, Star Ratings, and Texas Ratios so you can confidently choose a stable, highly-rated institution.
Money market rates reflect recent market quotes and representative offers available to depositors nationwide. Money Market Rates Last Updated and Verified: March 28, 2026
Compare Money Market Account Rates Nationwide
Qualifying balance up to $2,000.00
Qualifying balance up to $24,999.99
Qualifying balance up to $750.00
Qualifying balance up to $25,000.00
Qualifying balance up to $20,000.00
($500,000+)
A monthly $10.00 paper statement fee will be assessed to receive a paper statement.
Variable; Daily / Monthly
up to
Variable; Daily / Monthly
Variable Rate
Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
National Money Market Rate Trends
Weekly national average APYs across high-yield and standard money market accounts
Weekly money market rate averages compiled from 13,718 current MMA rates across our database of 8,500+ banks and credit unions — updated every evening.
National high-yield MMA rates fell 0.087 points this week to 1.390% APY, down from 1.478% last week.
National standard MMA rates fell 0.023 points this week to 1.102% APY, down from 1.125% last week.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates nationwide directly from the official websites of banks and credit unions. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized money market rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield MMAs from large national institutions available to savers nationwide.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every single money market product listed on our platform features its own specific “last updated” date. This gives you complete transparency into exactly when that specific yield was confirmed.
Frequently Asked Questions
What is a Money Market Account?
Are Money Market rates variable?
Is my money safe in a Money Market Account?
What is the difference between a Money Market Account and a CD?
Top National MMA Rates
- Meridian Trust Federal Credit Union
Momentum Money Market — 6.00% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - Connection Credit Union
Youth Money Market — 5.12% APY - Gulf Coast Community Federal Credit Union
Money Markets — 5.00% APY - Noble Federal Credit Union
Reverse Money Market — 5.00% APY
Rates & Resources
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