National Money Market Rate Trends

Current National Money Market Rate Trends

The national High-Yield Money Market rose by 0.016 this week, pushing the current average APY to 1.390%. Savers depositing this week are earning more than they would have last week, when the national average stood at 1.374%.

The Standard Money Market eased this week to 1.103% from 1.104% last week. The spread between the High-Yield Money Market and Standard Money Market currently stands at 0.288 percentage points.

These averages are calculated from 12,589 verified money market rate quotes collected across 2,314 banks and credit unions reporting nationally — updated daily by MonitorBankRates.com's proprietary systems. Rates are what real licensed institutions are actually offering to depositors, not promotional teaser rates.

Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated money market account rate database spanning community banks, regional lenders, national institutions, and credit unions in every state. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for where APYs actually stand nationwide.

State-Level Money Market Rate Heatmap

Hover over a state to see its current High-Yield Money Market average and weekly change. Click on any state to view its complete historical trend report.

Weekly Money Market Rate Reports

Weekly national average money market rate data releases from MonitorBankRates.com.

Weekly money market rate reports will appear here once published.

For Media, Researchers & Real Estate Professionals

The national money market rate averages on this page are calculated from our database of over 8,500 banks and credit unions actively reporting APYs across all 50 states. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates. Every day we aggregate those individual data points into national averages that represent a true, real-market picture of what savers across the U.S. are being offered today.

Unlike rate comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated money market account rate database spanning community banks, regional lenders, national institutions, and credit unions across all 50 states. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like nationwide.

Journalists, financial professionals, and academic researchers are welcome to cite and reference this data for editorial, research, and educational purposes. Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/money-market-rates/trends/. For custom data pulls, contact us here.

National Money Market Rate Trends

Weekly average APYs across all money market products. Hover over the chart to see exact APYs for each week.

Weekly money market rate averages compiled from 12,589 current money market rates across our database of 2,314+ banks and credit unions — updated daily.

As of Apr 1, 2026 • Data provided by MonitorBankRates.com

Complete State Trends Data