Best Money Market Account Rates - July 2026 | Up to 52.80%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top national money market deposit account rates today include Credit Union of The RockiesCredit Union of The Rockies1010 Johnson Rd Ste 120, Golden, CO 80401 6041A+5.0 ★Texas Ratio: 3.98% Giddy Up Money Market at 52.80% APY, Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY 82001A+5.0 ★Texas Ratio: 3.44% 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, Noble Federal Credit UnionNoble Federal Credit Union2580 W Shaw Ln, Fresno, CA 93711 2778A+5.0 ★Texas Ratio: 4.22% Reverse Money Market at 5.00% APY, and Greenwood Credit UnionGreenwood Credit Union2669 Post Rd, Warwick, RI 02886 3039A+5.0 ★Texas Ratio: 3.39% Greenwood Money Market Account at 5.00% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Finding the best money market deposit account rates is essential for maximizing your savings while maintaining easy access to your funds. Unlike standard savings accounts, high-yield money market deposit accounts (MMDAs) 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: July 12, 2026
Compare Money Market Account Rates Nationwide
Qualifying balance up to $500.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $15,000.00
Variable tiered account. Balances up to $20,000.00. Rates are accurate as of 12-1-25 and can change at any time. Fees may reduce earnings. Offer is subject to change. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Tier 8; Today's Rate - Valid 07/11/2026; Fees may reduce earnings on share accounts. If your average daily balance falls below $2,500, the account will be charged $10.00, monthly.
Rates effective as of 7/6/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
Qualifications Required: Maintain the daily balance of at least $10,000 for a LINked MMSA; Have an Interra Credit Union checking account in good standing; Be enrolled in Online Banking; Enroll in e-Statements and receive e-Statement notices to a valid email address.; Rates effective as of 4/1/26 and subject to change without notice. Tiered rate account. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account.
Qualifications Required: Have at least one checking account and it must be in good standing; Be enrolled in Interra Online Banking; Elect to receive e-Statements.; Rates effective as of 4/1/26 and subject to change without notice. Tiered rate account. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account.
Fees may reduce account earnings. A valid email address and Online Banking enrollment are required to open and maintain an account. No transactions allowed by debit card or by check.
as of 4/9/2025
Boost Your Savings up to 4.00% Annual Percentage Yield with a Money Market. Get up to 3.25% APY plus a 0.75% APY boost for 6 months on balances of $25,000 to $10 million when you open a Money Market Plus.
Qualifications Required: recurring monthly $500 Direct Deposit; $200,000 + with recurring monthly $500 Direct Deposit
Requires a minimum of $250,000 on deposit.
New money only. Rates are current as of 7/1/2026, and subject to change at any time without notice.
Guaranteed through June 2026. The minimum qualifying balance required to open and maintain this special 4.00% APY is $25,000 and the maximum balance may not exceed $250,000. After June 30th 2026, the rate will default to the posted money market rate at that time. The APY will be based upon your account balance. APY is accurate as of 1/15/2026.
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 fell 0.018 points this week to 3.046%, down from 3.064% last week.
National standard MMA rates fell 0.029 points this week to 0.704%, down from 0.733% 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
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates nationwide directly from the official websites of banks and credit unions. By sourcing this data 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?
How much do I need to deposit to open a money market account?
Top National MMA Rates
- Credit Union of The Rockies
Giddy Up Money Market — 52.80% APY - Meridian Trust Federal Credit Union
Momentum Money Market — 6.00% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - Noble Federal Credit Union
Reverse Money Market — 5.00% APY - Greenwood Credit Union
Greenwood Money Market Account — 5.00% APY
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