In today’s financial landscape, securing a high yield on your savings is more important than ever. Money Market Accounts (MMAs) have emerged as a popular choice for savers seeking higher interest rates combined with liquidity and safety. As of September 2025, several institutions are offering competitive Annual Percentage Yields (APYs) of 4% or more. Here’s a curated list of the top 10 MMAs to consider:
1. HUSTL Digital Credit Union – 4.80% APY
Leading the pack, HUSTL Digital Credit Union offers an impressive 4.80% APY with no minimum deposit requirement. This makes it an attractive option for those looking to maximize returns without a significant initial investment. Investopedia
2. Zynlo Bank – 4.40% APY
Zynlo Bank provides a competitive 4.40% APY and does not require a minimum deposit, offering flexibility for savers. Bankrate+1
3. CFG Bank – 4.32% APY
CFG Bank’s MMA offers a 4.32% APY with a $1,000 minimum deposit. This account is ideal for savers who can meet the minimum balance to earn the high yield. Bankrate+1
4. Vio Bank – 4.31% APY
Vio Bank offers a 4.31% APY with a $100 minimum deposit, making it accessible for those with smaller initial investments. Kiplinger+1
5. Brilliant Bank – 4.35% APY
Brilliant Bank provides a 4.35% APY with a $1,000 minimum deposit. This account is suitable for savers who can maintain the minimum balance to earn the high yield. Kiplinger
6. Presidential Bank – 4.37% APY
Presidential Bank offers a 4.37% APY, making it one of the higher-yielding options available. Investopedia+1
7. MYSB Direct – 4.15% APY
MYSB Direct provides a 4.15% APY, offering a solid return for savers. Investopedia+1
8. Prime Alliance Bank – 4.05% APY
Prime Alliance Bank offers a 4.05% APY, providing a competitive rate for savers. Investopedia
9. UFB Direct – 4.01% APY
UFB Direct offers a 4.01% APY, making it a solid choice for savers seeking a reliable return. Investopedia+2Yahoo Finanças+2
10. Republic Bank of Chicago – 4.01% APY
Republic Bank of Chicago provides a 4.01% APY, offering a competitive rate for savers. Investopedia
Key Considerations When Choosing a Money Market Account:
- APY Comparison: Always compare the APYs offered by different institutions to ensure you’re getting the best return on your savings.Investopedia
- Minimum Deposit Requirements: Be aware of any minimum deposit requirements to qualify for the advertised APY.
- Liquidity Needs: Consider your need for access to funds. Some MMAs offer check-writing and debit card access, providing greater flexibility.Yahoo Finanças+4Kiplinger+4Kiplinger+4
- FDIC/NCUA Insurance: Ensure the institution is federally insured to protect your deposits up to $250,000.Investopedia+1
Conclusion:
Money Market Accounts offering 4% APY or higher provide an excellent opportunity for savers to earn a competitive return while maintaining liquidity and safety. By considering the factors above and comparing the options available, you can select the MMA that best aligns with your financial goals.
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