The best money market accounts pay a high annual percentage yield (APY) while offering a hybrid of the best features of savings and checking accounts. They also keep fees and minimum requirements low. Best Money Market Accounts & Rates Overview; Bankrate's top money market accounts for February 2021: 1. Highest Rate: BrioDirect - up to 0.60% APY $25,000 minimum balance for top APY *As of February 2021, the national average APY on money market accounts is 0.07% according to the FDIC.. Banks and credit unions are battling it out to offer higher rates and better terms for CDs vs. Money Market Accounts. The gap between interest rates tied to CDs and savings accounts has narrowed. But CDs are more likely to pay a higher yield than savings accounts or money market Current Rate: 0.50% APY CIT Bank (FDIC #58978) provides some of the best online banking solutions you’ll find, and the CIT Bank Money Market Account is no exception. It offers a nice 0.50% APY which is easily one of the highest rates offered on our list at the moment. The best money market rates help you grow your bank balance faster compared with accounts that offer average rates. Depending on your needs, a high-yield savings account might also help you save more. Best Money Market Rates of 2021 . Bank or Credit Union Why We Picked It APY Minimum Deposit Required to Open; Affinity Plus Federal Credit Union: Best APY: 1.50% on the first $25,000, then 0.70%: $0: Premier Members Credit Union: Runner-Up for Best APY, Best for Small Balances, and Best for Physical Branches: Best Money Market Rates & Accounts — February 2021. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners. Best Money Market Accounts & Rates. Savings accounts are great for the short term, but if you’re looking for something that can offer a high APY and a higher return, you might consider opening a money market account. We’ve identified 10 of the best money market account rates available today, from both traditional banks and Fintech firms. Here are the best money market account rates for February 2021. Navy Federal Credit Union, APY: 0.60%, Min. Balance: $0; Ally Bank, APY: 0.50%, Min. Balance: $0
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