Best money market account rates today, Sunday, May 31, 2026: Best account provides 4.01% APY

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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 and has left rates alone so far in 2026. 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.

The national average money market account rate stands at 0.57%, according to the FDIC.

Even so, some of the top accounts are currently offering rates as high as 3%-4% APY. 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, Sunday, May 31, 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)

First Foundation Bank Online Money Market Account : 3.75% APY ($1,000 minimum balance required to earn the highest rate)