The best percentage of money market bills today, August 4, 2025 (Earn up to 4.41% APY)

Find out which banks offer the highest prices. Money Market Accounts (MMA) can be a great place to store your money if you are looking for a relatively high interest rate along with liquidity And flexibility.

Unlike traditional savings accounts, MMA usually offers better returns and can also provide privileges for writing check and Debit card Access. This makes these accounts ideal for holding long -term savings that you want to grow over time, but you can still have access when needed for certain purchases or bills.

Although percentages have been declining over the past few months, it is still possible to find Money Market bills that pay more than 4% APYS

Here is a look at some of the best percentages of money market accounts:

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The prices of the cash markets have been hesitant in recent years, largely due to changes in the target interest rate of the Federal Reserve.

After the 2008 financial crisis, for example, interest rates were preserved extremely low to stimulate the economy. The Fed sliced Federal funds to almost zero, which led to very low MMA percentages. During this time, the percentage of money market bills is usually about 0.10% to 0.50%, with many accounts offering tariffs at the bottom of this range.

In the end, the Fed began to gradually increase interest rates as the economy improved. This led to higher yields of savings products, including MMA. However, in 2020, the Covid-19 pandemia led to a short, but acute recession and the Fed again reduced its speed to almost zero to fight the economic fall. This has led to a sharp decline in the frequency of MMA.

But since 2022, a Fed has started a series of aggressive interest rates to fight inflation. This led to historically high levels of deposits throughout the board. By the end of 2023, the percentages of money market bills had increased significantly, with many accounts offering 4% or higher. However, Fed finally began to decrease the percentage at the end of 2024.

By 2025, the MMA percentages remained high to historical standards, although they had begun a trajectory down after the worst reductions in the Fed’s speed. Today, online banks and credit unions tend to offer the highest prices.

When comparing money market bills, it is important to look only beyond the interest rate. Other factors, such as minimum balance requirements, fees and withdrawal restrictions, may affect the total value you receive from the account.

For example, it is customary for money market bills to demand a large minimum balance To win the highest advertised rate – up to $ 5,000 or more in some cases. Other accounts may charge Monthly maintenance fees This can be eaten in your interest revenue.

However, there are several mmAs available that offer competitive prices without any balance requirements, fees or other restrictions. Therefore, it is important to shop and compare accounts before making a decision.

Moreover, make sure that your chosen account is insured by Federal Deposit Insurance Corporation (FDIC) or National Administration of the Credit Union (NCUA), which guarantees deposits up to $ 250,000 per institution to an depositor. Most cash market accounts are federally insured, but it is important to check the financial institution twice in the rare case.

Read more: Money Market Account to the Highly Naval Savings Account: What is best for you?

The average interest rate on the national market is only 0.64%, according to FDIC. However, the best percentage of money market bills often pay about 4% to 4.50% APY – similar to the rates offered High -yield mixing accountsS

The amount you will earn from $ 50,000 in the money market account depends on the annual percentage percentage (APY) and the period in which you leave the money in the account. For example, if you deposit $ 50,000 to a cash market account that pays 4.5% APY and leave it in your account for a year, you will earn $ 2,03 interest.

There are currently no cash market bills paying 5% APY. However, some high -yield savings accounts from online banks. You can also consult a local bank or credit union to find out if they offer a 5% APY account that meets your needs.