Best money market account rates today, May 21, 2026: Earn up to 4.01% APY
As of May 21, 2026, money market accounts (MMAs) are offering competitive interest rates, with some accounts yielding up to 4.01% APY. The Federal Reserve has maintained steady rates, which has influenced the current MMA rates. Savers are encouraged to consider these accounts for better returns compared to traditional savings options.
- ▪The national average interest rate for money market accounts is 0.57%.
- ▪TotalBank offers the highest MMA rate at 4.01% APY with a $2,500 minimum balance.
- ▪Money market accounts provide easy access to funds and are FDIC insured.
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Story provenance
Attribution is not the same as permission. This drawer separates discovery metadata, excerpts, WeSearch-generated summaries, reuse status, and whether the publisher receives the visit. Nothing here claims a legal grant the publisher has not made.
Record
| Original publisher | Yahoo Finance |
| Canonical URL | https://finance.yahoo.com/personal-finance/banking/article/money-market-account-rates-today-thursday-may-21-2026-100000792.html |
| Publication time | 2026-05-21T10:00:00Z |
| Retrieval time | 2026-05-21T10:11:10.474Z |
| Last seen | 2026-05-21T10:11:12.848Z |
| Headline source | Publisher (no WeSearch rewrite) |
| Excerpt source | publisher body |
| Excerpt method | First ~120 words (~800 chars) of extracted publisher body, fair-use limited. |
| Summary | WeSearch · cerebras-chat (WeSearch summarizer) |
| Summary source text | contentText |
| Citation coverage | Summary is a WeSearch-generated derivative; primary citation is the original publisher URL. |
| Cluster | nmpLGBZ3oXjk · 15 stories |
| Cluster logic | Grouped by semantic title/content similarity across sources within a rolling window. Same-publisher template collisions are excluded from coverage comparison. |
| Ranking reason | Story pages are not engagement-ranked. Hub feeds use recency, with optional source-diversified chronological ordering (cap consecutive stories per source). No personalized ranking. |
| Publisher visit | Yes — open original |
| Substitutes article? | No — link-out required for full text |
Rights status (four layers)
WeSearch handling by dimension
| Indexing | May the item be indexed (stored, ranked, made findable)? | Allowed |
| Snippet | May a short excerpt of the publisher's text be shown? | Allowed |
| AI summary | May WeSearch generate its own short summary of the article? | Limited |
| Retrieval / RAG | May the content be exposed for third-party retrieval-augmented generation? | Not asserted |
| Model training | May the content be used to train AI models? | Not asserted |
| Commercial reuse | May the content be reused commercially? | Not permitted |
Basis: Derived from the published RSS/Atom feed. Contact: [email protected]. Reviewed: 2026-07-24.
Opening excerpt (first ~120 words) tap to expand
Personal Finance / Banking Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. Best money market account rates today, May 21, 2026: Earn up to 4.01% APY Find out which banks are offering the best MMA rates right now. Tim Manni · Lead Editor Thu, May 21, 2026 at 3:00 AM PDT 4 min read Find out which banks are offering the best MMA rates right now. As interest rates continue to hang around at recent levels following another decision by the Fed to keep rates unchanged, it’s more important than ever to ensure you’re earning a competitive rate on your savings. One option you may want to consider is a money market account (MMA).
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Excerpt limited to ~120 words for fair-use compliance. The full article is at Yahoo Finance.