March 2025: 10 Top Money Market Accounts with Up to 4.50% APY Rates

Best MMAs based on interest rates, fees, account perks, and more.

Money market accounts (MMAs) are great for savers who want higher interest and easy access to their funds. Typical features include check-writing, a debit card, ATM availability, among others. All these things make it easier to save while allowing access flexibility.

As of March 2025, the user can see exceptionally high-interest rates of money market accounts, with some even reaching as much as 4.50 percent APY. The essential thing is that once you have decided to open a money market account, you will need to identify the right account to fit your needs. We have narrowed your search to fit the best 10 out of 20 MMAs reviewed at federally insured banks and credit unions, here are the best high-yield money market accounts for March 2025.

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1. EverBank Performance Money Market Account: 4.00% APY
   Account Details:

Minimum Opening Deposit: $0
Monthly Fees: $0
EverBank holds a competitive APY rate of 4.00% more than six times higher than the average national rate for money market accounts-as well as: No monthly fees; free to open account; debit card, check-writing, and ATM fee reimbursements. It is indeed a contender for one seeking interest at the high-end combined with ease of access.

2. Sallie Mae Online Money Market Account: 3.90% APY
   Account Details:

Minimum Opening Deposit: $0
Monthly Fees: $0

While Sallie Mae is synonymous with student loans, it also has an impressive money market account offering a 3.90% APY. Most beneficially, there are no minimums required, no monthly fees, and interest compounds daily. Excellent for flexible savings, offering no-fee check writing and money transfer options.

3. Ally Money Market Account: 3.70% APY Account Details:

Monthly Fees: $0
Minimum Opening Deposit: $0

Lending and borrowing at Ally continue to be the best in the realm of money market offerings, which stand at 3.70% APY. There are no minimum balance requirements or monthly fees; besides, interest compounds daily. Customers can also enjoy access to over 43,000 ATMs and the ability to write checks.

4. Discover Money Market Account: APY of 3.60% Account Details:

Minimum Opening Deposit: $0
Monthly Fees: $0
Discover’s money market account carries an amazing deal of 3.60% APY regarding balances of lesser than $100,000, but will hike and give a rate of 3.65% for amounts greater. And for setting up this account, no mandatory initial deposit must be made. Plus, the account also has the check writing and debit card access.

5. VIO Bank Cornerstone Money Market Savings Account: 4.46% APY Account Details:

Minimum Opening Deposit: $100
Monthly Fees: $5 (waived with e-statements)
The 4.46% APY offered by VIO Bank’s Cornerstone Money Market Savings Account is as competitive as it comes. The catch is that you must initially place $100 into the account to have it open, and then a $5 monthly membership fee is charged unless you choose e-statements, which then waive that fee. There are no checks or debit card access with this account, but the rates and daily compounding make up for that.

6. Zynlo Money Market Account: 4.40% APY Account Details:

Minimum Opening Deposit: $10
Monthly Fees: $0
The Money Market Account from Zynlo has one of the highest available APYs, 4.40%. No monthly fees are applied, and interest compounds daily. There is a catch, however, that balances above $250,000 earn a significantly lower interest rate. The account has no checks or debit card access, but it’s an excellent choice for the saver who desires to earn a high return on smaller balances.

7. Synchrony Bank Money Market Account: 2.00% APY Account Information:

Minimum Opening Deposit: $0
Monthly Charges: $0
Synchrony offers one of the lower rates at 2.00% APY but has no monthly fees or minimum deposit requirements. If you’re looking for a no-cost account with easy access to funds through checks and optional ATM cards, this might be a suitable option for you.

8. UFB Direct Money Market Portfolio Account: 4.01% APY Account Information:

Minimum Opening Deposit: $0
Monthly Fees: $10 (waived with $5,000 balance)
UFB Direct boasts a 4.01% APY along with no minimum required deposit. A $10 monthly fee does apply, however, unless you maintain a $5,000 minimum balance. The account allows the debit card and check-writing capabilities, making it an option for savers seeking higher interest rates and easy access to their cash.

9. Online Money Market Account of First Foundation Bank 4.50% APY Account Information:

Minimum Opening Deposit: $1,000
Monthly Fees: $0
The Online Money Market Account from First Foundation Bank is among those with the most profit at 4.50% APY. Among the points to remember is that it comes with a minimum opening deposit of $1,000, which may be a factor for those who are just getting into saving. The account comes with no monthly fees and will allow debit cards and check-writing options.

10. Prime Alliance Bank Personal Money Market Account: 4.15% APY
    Account Details:

Minimum Initial Deposit: $0
Monthly Fees: $0
The Personal Money Market Account of Prime Alliance Bank comes with an APY of 4.15% and no minimum opening deposit or monthly fees. Although there is no check-writing or debit card access, this account allows for unlimited deposits and up to six transfers per month, making it a very good fit for savers who do not need physical access to checks or cards.

Money Market Accounts – What You Need to Know

A money market account (MMA) is an interest-earning deposit account that pays an interest rate that is usually higher than that of a regular savings account. Typically, it has more flexibility, offering the ability to write checks, get cash through a debit card, and have access to ATMs. As compared to savings accounts, MMAs tend to have higher minimum deposits required, but money happens to be easily accessible whenever need arises.

How Does a Money Market Account Work?

Money market accounts are most essentially a mix between a savings account and a checking account. They give you higher interest than a typical savings account, and usually they may limit the number of withdrawals permitted in a month, usually three to six. Most MMAs will compound interest on a daily basis and then credit this on a monthly basis. This will help your savings grow a lot faster.

Best MMAs based on interest rates, fees, account perks, and more.

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