Best money market account rates today, Friday, June 12, 2026: Up to 4.01% APY return

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Find out which banks are offering the best MMA rates right now. The Federal Reserve cut the federal funds rate three times in 2024 and three times in 2025. So far in 2026, they have left rates unchanged. As a result, deposit interest rates — including money market account rates — haven't been rising.

It's more important than ever to compare MMA rates and ensure you earn as much as possible on your balance.

Although money market account rates are elevated by historical standards, the national average rate for MMAs is just 0.57%, according to the FDIC. The good news: Top high-yield money market accounts offer upwards of 4% APY — more than six times the national average.

That's why it's important to shop around before opening a money market account. Interest rates vary widely, but there are several banks (in particular, online banks ) and credit unions with highly competitive offers.

Here's a look at some of the top MMA rates available today, Friday, June 12, 2026:

TotalBank Online Money Market Deposit Account : 4.01% APY ($2,500 minimum balance required to earn the highest rate)

Brilliant Bank Surge Money Market Account : 4% APY ($1,000 minimum balance required to earn the highest rate)