Money market accounts work like savings accounts, often with checks or a debit card. Here are the ones we track, highest rate first. APY = the yearly interest rate including compounding.
Top money market APY we track (2026-10-12)
3.26%
at UFB Direct
UFB Direct · Portfolio Money Marketfee $10/month unless $5,000 balance · min to open not found · ATM: not found · Same APY on all tiers; new customers can get a limited-time 0.75% boost (4.01% APY) for up to 6 months, not included · read 2026-10-12 · source
3.26%$326 / yr on $10k
Ally · Money Market Accountfee $0 · min to open $0 · ATM: Unlimited withdrawals at 75,000+ Allpoint and MoneyPass ATMs free; up to $10 per statement cycle reimbursed for other ATMs · Same APY on all balance tiers · read 2026-10-12 · source
3.10%$310 / yr on $10k
CIT Bank · High-Yield Money Marketfee $0 · min to open $100 · ATM: not found · Variable APY · read 2026-10-12 · source
1.55%$155 / yr on $10k
Not found
Synchrony: Page blocks automated reads (HTTP 403); rate not captured.
No money market account offered/found: Marcus, Capital One 360, American Express, SoFi, Barclays, Wealthfront, Betterment, Bread Savings, Happen Bank, Varo, Chime, Citizens Access, EverBank, Bask Bank, Openbank.
3.26% APY at UFB Direct among the banks we track (as of 2026-10-12).
Where do these rates come from?
Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.