Top Money Market Rates Today — Earn Up to 4.26% APY (Nov 25, 2025)

Money market accounts remain an attractive short-term parking place for cash as top online banks and credit unions push yields higher. As of Nov. 25, 2025, the most competitive offers reach as much as 4.26% APY, driven by persistent elevated short-term interest rates and competition among digital banks. These accounts combine higher interest than many traditional savings accounts with check-writing or debit conveniences that some savers find useful.

When evaluating money market accounts, prioritize safety and access. Confirm FDIC or NCUA insurance on deposits and check minimum-balance requirements, monthly fees, and limits on withdrawals or transfers. Many leading online banks deliver the best APYs because they operate with lower overhead; local credit unions can also be competitive, sometimes offering promotional rates for new members. Keep an eye on whether a quoted APY is introductory and how long the rate lasts.

Money market accounts differ from money market mutual funds: the former are deposit accounts insured by the FDIC/NCUA, while the latter invest in short-term securities and are not insured. If principal protection matters most, an insured money market account is the safer choice.

Interest-rate policy from the Federal Reserve continues to influence yields across short-duration deposit products. Statements and guidance from the Fed and Chair Jerome Powell can prompt rate movement, so monitor economic updates if you plan to move sizable cash balances.

Practical tips: compare effective annual yields rather than nominal rates, read the fine print for fees and tiered-rate structures, and consider liquidity needs—some accounts restrict transfers or penalize excessive transactions. If you expect to hold cash long-term, weigh money market options against high-yield savings accounts and short-term certificates of deposit for the best fit.

Bottom line: top money market accounts now offer compelling APYs, but the best pick depends on insurance, fees, access and whether the rate is promotional. Shop around, verify current terms, and pick the account that matches your risk tolerance and cash-access needs.