Money Market Accounts: High Rates & Access
Update: 2025-12-09
Description
Money market accounts offer competitive interest rates and flexible access, with current top accounts paying over four percent annually. Rates have fluctuated over time, influenced by the Federal Reserves decisions, and have seen a significant increase since 2022 due to inflation-fighting measures. However, recent cuts have led to a slight decline in rates, with the best options now found at online banks and credit unions. When selecting an account, consider factors beyond the interest rate, such as minimum balance requirements, fees, and withdrawal limits.
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