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Best money market account rates today, March 1, 2026 (best account provides 4.01% APY)
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Best money market account rates today, March 1, 2026 (best account provides 4.01% APY)
Casey Bond · Lead Editor and Content Strategist, Banking
Sun, March 1, 2026 at 12:00 PM GMT+1 2 min read
Find out how much you could earn with today’s money market account rates. The Federal Reserve cut its target rate three times in 2025. So deposit rates — including money market account (MMA) rates — have been steadily declining. It’s more important than ever to compare MMA rates and ensure you earn as much as possible on your balance.
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Overview of money market account rates today
The national average money market account rate stands at 0.56%, according to the FDIC.
Even so, some of the top accounts are currently offering rates of 4% APY and up. Since these rates may not be around much longer, consider opening a money market account now to take advantage of today’s high rates.
Here’s a look at some of the top MMA rates available today:
TotalBank Online Money Market Deposit Account: 4.01% APY ($2,500 minimum balance required to earn highest rate)
Quontic Bank: 4% APY
Brilliant Bank Surge Money Market Account: 4% APY ($1,000 minimum balance required to earn highest rate)
Northern Bank Direct Money Market Premier Account: 4% APY
Zynlo Money Market Account: 3.9% APY
Redneck Bank Mega Money Market: 3.85% APY
EverBank Yield Pledge Money Market Account: 3.8% APY
HUSTL Digital Credit Union Money Market: 3.8%
First Foundation Bank Online Money Market Account: 3.75% APY ($1,000 minimum balance required to earn highest rate)
Prime Alliance Bank Personal Money Market Account: 3.75% APY
How much interest can I earn with a money market account?
The amount of interest you can earn from a money market account depends on the annual percentage rate (APY). This is a measure of your total earnings after one year when considering the base interest rate and how often interest compounds (money market account interest typically compounds daily).
Say you put $1,000 in an MMA at the average interest rate of 0.56% with daily compounding. At the end of one year, your balance would grow to $1,005.62 — your initial $1,000 deposit, plus $5.62 in interest.
Now let’s say you choose a high-yield money market account that offers 4% APY instead. In this case, your balance would grow to $1,040.81 over the same period, which includes $40.81 in interest.
The more you deposit in a money market account, the more you stand to earn. If we took our same example of a money market account at 4% APY, but deposit $10,000, your total balance after one year would be $10,408.08, meaning you’d earn $408.08 in interest.
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