Looking for the most lucrative place to park your cash today? Money market accounts offer the perfect blend of safety, liquidity, and competitive interest rates. As of August 30, 2025, the highest APY available is 4.41%, and we’ll show you where to find it—plus other top alternatives to consider right now.
Top Money Market Account Rates (as of August 30, 2025):
- TotalBank Money Market Account
Offers up to 4.41% APY on balances between $2,500 and $249,999. Minimum opening deposit: $25,000.InvestopediaTotalBank - Zynlo Bank Money Market Account
Competitive 4.40% APY, no minimum deposit, and no monthly fees.BankrateNerdWallet - CFG Bank High Yield Money Market Account
4.32% APY, $1,000 minimum deposit to open and maintain.BankrateInvestopedia - Vio Bank Cornerstone Money Market Savings Account
4.31% APY, with just a $100 opening deposit and no monthly fees.BankrateNerdWallet - Quontic Bank Money Market Account
4.25% APY, comes with a debit card and a modest opening deposit.NerdWallet - EverBank Performance Money Market
Earns 4.00% APY on balances of $10,000 or more, plus ATM fee reimbursements.NerdWalletKiplinger
Why You Should Care:
- Sky-high yields: These rates significantly outperform the national average of around 0.46% APY for money market accounts.Bankrate
- Flexible access: Many accounts (especially traditional MMAs) offer check-writing and ATM access—unlike most high-yield savings accounts.Kiplinger+1
- Safety first: All these accounts are FDIC- or NCUA-insured up to $250,000 per depositor.Kiplinger
How to Choose the Right Account:
| Consideration | What to Check |
|---|---|
| APY | Higher APY = more earnings; TotalBank leads at 4.41% |
| Balance Requirements | Zynlo ($0), Vio ($100) are easier to start; TotalBank ($25k) is steep |
| Fees | Look for accounts with no monthly fees — Zynlo and Vio check this box |
| Access Features | Need ATM access or checks? Opt for CFG, Quontic, or traditional MMAs |
| Flexibility | Be mindful: high APYs often have minimums or balance requirements |
Final Takeaway:
The TotalBank Money Market Account currently offers the top APY of 4.41%, but demands a significant initial deposit of $25,000. For lower entry thresholds with nearly comparable earnings, Zynlo Bank (4.40% APY, no minimum) and Vio Bank (4.31% APY, $100 opening deposit) are strong alternatives. Choose based on how much you’re willing to deposit, whether you want easy access, and how much flexibility you need.
money market account rates, best money market rates today, 4.41% APY money market, TotalBank money market account, Zynlo Bank APY, Vio Bank money market, high yield money market account, MMAs August 2025, best MMA rates, how to earn high APY