Best Money Market Account Rates: 4.01% APY Available Today

As of April 26, 2026, the best money market account (MMA) rates offer an annual percentage yield (APY) of 4.01%, with several banks providing competitive rates. The national average MMA rate is currently 0.57%, as reported by the FDIC. Top accounts include TotalBank (4.01% APY) and Brilliant Bank (4% APY), which require a minimum balance of $2,500 and $1,000, respectively. Given a $1,000 deposit at 4% APY, the account balance would grow to $1,040.81 after one year, highlighting the benefits of higher rates amid declining deposit rates from Federal Reserve cuts in 2025.