Best Money Market Account Rates - May 2026 | Up to 12.00%
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 Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% Money Market at 12.00% 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 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, 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, and 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. Money market rates as of May 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: May 12, 2026
Compare Money Market Account Rates Nationwide
Qualifying balance up to $1,200.00
No min deposit. No min balance.
Qualifying balance up to $24,999.99
Qualifying balance up to $750.00
Qualifying balance up to $20,000.00
Terms Apply.
[Learn More](https://www.marinefederalhb.org/home/site/choicemoneymarket)
Limited-time offer
for balances $2,500 and over
Avg Balance up to $10K
Minimum Balance to earn the 4.00% Annual Percentage Yield
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 0.011 points this week to 3.070%, up from 3.059% last week.
National standard MMA rates fell 0.003 points this week to 0.712%, down from 0.715% 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 deposit 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?
How much do I need to deposit to open a money market account?
Top National MMA Rates
- Responders Emergency Services Credit Union
Money Market — 12.00% APY - 1st Northern California Credit Union
1st Class Money Market — 5.39% APY - Connection Credit Union
Youth Money Market — 5.12% APY - Noble Federal Credit Union
Reverse Money Market — 5.00% APY - Max Credit Union
Elevate Money Market Account - Reverse Money Market — 5.00% APY
Rates & Resources
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