High-yield money market accounts offer rates exceeding six times the national average amid stable Fed policy in 2026.
Top-tier money market accounts are offering annual percentage yields up to 4.01% as the Federal Reserve maintains its current interest rate stance. The Fed left rates unchanged in 2026 after six cuts in 2024 and 2025, keeping deposit rates stable but elevated by historical standards.
The national average for money market accounts stands at 0.57%, according to FDIC data. Leading online banks and credit unions, however, provide yields as high as 4.01%, requiring minimum balances ranging from $1,000 to $2,500 to earn the highest rates.
Rates vary significantly across institutions, with some accounts offering nearly seven times the national average. Investors are advised to compare options to maximize returns on cash holdings.