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.
3 outlets in our directory ran this story, first to last over 4 days. Coverage spans 2 points on the political spectrum — 1 lean left, 1 centre.
- ▪ $2,500 CD vs. $2,500 high-yield savings account vs. $2,500 money market account: Which will earn more over the next year? — CBS News — Top
- ▪ High yield savings account — r/personalfinance
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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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