National Money Market Rate Trends
Track the movements of money market account APYs across all 50 states. Compare state-by-state variations, view week-over-week averages charted, and identify where APYs are shifting the fastest.
Insights & Actions
📈 Free Dataset Tools Embed, download, social images & more. ← Shop Money Market Rates Compare live offers from top institutions. Jump to State Map See APYs heat-mapped across all 50 states. View State Reports Compare weekly APY changes by state. Request Custom Data Contact us for media data pulls.Current National Money Market Rate Trends
The national High-Yield Money Market rose by 0.014 this week, pushing the current average APY to 3.051%. Savers depositing this week are earning more than they would have last week, when the national average stood at 3.037%.
The Standard Money Market eased this week to 0.723% from 0.732% last week. The spread between the High-Yield Money Market and Standard Money Market currently stands at 2.328 percentage points.
These averages are calculated from 9,298 verified money market rate quotes collected across 1,805 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.
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 9,298 current money market rates across our database of 1,805+ banks and credit unions — updated daily.
As of Apr 22, 2026 • Data provided by MonitorBankRates.com
Complete State Trends Data
| State | High-Yield MMA APY | Last Week Average | Weekly Change | Actions |
|---|---|---|---|---|
| Alabama | 3.051% | 3.051% |
▼ 0.000 this week
|
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| Alaska | 3.051% | 3.051% |
▼ 0.000 this week
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| Arizona | 3.189% | 3.175% |
▲ 0.014 this week
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| Arkansas | 3.373% | 3.476% |
▼ 0.103 this week
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| California | 3.425% | 2.906% |
▲ 0.519 this week
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| Colorado | 3.282% | 3.272% |
▲ 0.010 this week
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| Connecticut | 3.117% | 3.117% |
▼ 0.000 this week
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| Delaware | 3.302% | 3.302% |
▼ 0.000 this week
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| Florida | 3.729% | 3.655% |
▲ 0.074 this week
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| Georgia | 3.051% | 2.944% |
▲ 0.107 this week
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| Hawaii | 3.051% | 3.051% |
▼ 0.000 this week
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| Idaho | 3.051% | 3.051% |
▼ 0.000 this week
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| Illinois | 3.148% | 3.115% |
▲ 0.033 this week
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| Indiana | 3.244% | 3.222% |
▲ 0.022 this week
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| Iowa | 2.842% | 2.897% |
▼ 0.055 this week
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| Kansas | 3.267% | 3.246% |
▲ 0.021 this week
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| Kentucky | 3.387% | 3.118% |
▲ 0.269 this week
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| Louisiana | 3.073% | 3.068% |
▲ 0.005 this week
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| Maine | 3.051% | 3.051% |
▼ 0.000 this week
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| Maryland | 3.320% | 3.149% |
▲ 0.171 this week
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| Massachusetts | 3.492% | 3.475% |
▲ 0.017 this week
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| Michigan | 3.270% | 3.256% |
▲ 0.014 this week
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| Minnesota | 3.127% | 3.117% |
▲ 0.010 this week
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| Mississippi | 3.051% | 3.051% |
▼ 0.000 this week
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| Missouri | 3.245% | 3.220% |
▲ 0.025 this week
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| Montana | 3.234% | 3.234% |
▼ 0.000 this week
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| Nebraska | 3.023% | 3.007% |
▲ 0.016 this week
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| Nevada | 2.618% | 2.618% |
▼ 0.000 this week
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| New Hampshire | 3.634% | 3.623% |
▲ 0.011 this week
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| New Jersey | 3.307% | 3.305% |
▲ 0.002 this week
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| New Mexico | 3.051% | 3.051% |
▼ 0.000 this week
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| New York | 3.314% | 3.311% |
▲ 0.003 this week
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| North Carolina | 3.171% | 3.099% |
▲ 0.072 this week
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| North Dakota | 3.093% | 3.093% |
▼ 0.000 this week
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| Ohio | 3.295% | 3.293% |
▲ 0.002 this week
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| Oklahoma | 3.544% | 3.145% |
▲ 0.399 this week
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| Oregon | 3.051% | 2.871% |
▲ 0.180 this week
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| Pennsylvania | 3.388% | 3.384% |
▲ 0.004 this week
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| Rhode Island | 3.696% | 3.696% |
▼ 0.000 this week
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| South Carolina | 3.051% | 3.051% |
▼ 0.000 this week
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| South Dakota | 3.003% | 2.817% |
▲ 0.186 this week
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| Tennessee | 3.238% | 3.134% |
▲ 0.104 this week
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| Texas | 3.219% | 3.115% |
▲ 0.104 this week
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| Utah | 3.023% | 3.120% |
▼ 0.097 this week
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| Vermont | 3.194% | 3.194% |
▼ 0.000 this week
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| Virginia | 3.288% | 2.929% |
▲ 0.359 this week
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| Washington | 2.912% | 2.911% |
▲ 0.001 this week
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| West Virginia | 3.214% | 3.192% |
▲ 0.022 this week
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| Wisconsin | 2.926% | 2.900% |
▲ 0.026 this week
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| Wyoming | 3.051% | 3.051% |
▼ 0.000 this week
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