Looking for the highest yield on your cash today? You’ve come to the right place. As of August 31, 2025, the best money market account (MMA) offering an impressive 4.41% APY gives savers a stellar opportunity to earn more while maintaining liquidity.
Top MMA Rate Today: 4.41% APY
According to an article published just days ago, Total Bank offers the highest money market account rate available today—4.41% APY—outpacing the national average by a wide margin Yahoo Finanças.
Other High-Yield MMAs Still Competitive
Although Total Bank currently leads, several other accounts are offering strong rates close behind:
- State Bank of Texas — 4.44% APY, but requires a hefty $100,000 minimum deposit The Annuity Expert.
- First Internet Bank — 4.42% APY, another excellent rate The Annuity Expert.
- Brilliant Bank — 4.35% APY, with a more manageable $1,000 opening deposit Kiplinger+1.
Many of these top options come with varying minimum balance requirements, so it’s crucial to compare them in terms of your budget and liquidity needs.
Why Act Now?
Money market rates are variable and closely track the Federal Reserve’s benchmark rate KiplingerInvestopedia. With possible rate cuts potentially on the horizon, locking in a currently high APY like 4.41% could be a smart move before yields decline Kiplinger.
MMA vs. Other Savings Options
MMAs provide both high interest and flexible access—many offer check-writing, ATM cards, and no penalties for reasonable withdrawal behavior—making them more liquid than high-yield savings accounts or CDs
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