Best Money Market Account Rates - April 2026 | Up to 5.55%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top national money market account rates today include MCT Credit UnionMCT Credit Union2736 Nall St, Port Neches, TX 77651 5204A+5.0 ★Texas Ratio: 2.43% Kasasa Cash* Money Market Account at 5.55% 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, Max Credit UnionMax Credit Union2309 Cobbs Ford Rd, Prattville, AL 36066A+5.0 ★Texas Ratio: 3.24% Elevate Money Market Account - Reverse Money Market at 5.00% 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 April 19, 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: April 19, 2026
Compare Money Market Account Rates Nationwide
Qualifying balance up to $24,999.99
Qualifying balance up to $25,000.00
Qualifying balance up to $20,000.00
up to
Terms Apply.
$50,000-$250,000; Limited-time offer
Up to $49,999.99
for balances $2,500 and over
National Money Market Rate Trends
Weekly national average APYs across money market account types — compiled from 8,500+ banks & credit unions, updated nightly.
National high-yield MMA rates rose 0.014 points this week to 3.051%, up from 3.037% last week.
National standard MMA rates fell 0.009 points this week to 0.723%, down from 0.732% last week.
Money Market Rate Trends
Weekly average APYs across all money market account types. Hover to see exact rates for each 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?
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What is the difference between a Money Market Account and a CD?
Top National MMA Rates
- MCT Credit Union
Kasasa Cash* Money Market Account — 5.55% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - Max Credit Union
Elevate Money Market Account - Reverse Money Market — 5.00% 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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