If you’re looking to park your savings in a secure, high-yield option, today’s top money market account (MMA) rates — as of September 4, 2025 — offer compelling returns. Let’s explore the best options available right now, and how they compare to other high-yield accounts.
Why These Rates Matter
Money market accounts combine the flexibility of a checking account with the high interest of savings. And with APYs nearing 4.41%, now is an opportune moment to earn strong returns without locking money into long-term CDs. InvestopediaKiplinger
Best MMAs as of September 4, 2025
- TotalBank Money Market Account — Up to 4.41% APY, $25,000 opening deposit required; minimum $2,500 to earn the full APY. Investopedia
- Bankrate Top Picks (September 2025):
- Zynlo Bank — 4.40% APY, no minimum deposit.
- CFG Bank — 4.32% APY, $1,000 minimum.
- Vio Bank — 4.31% APY, $100 minimum. Bankrate
- Investopedia’s Best MMA (as of Sept 3, 2025):
- HUSTL Digital Credit Union — 4.80% APY (highest overall).
- Presidential Bank — 4.37% APY.
- Brilliant Bank — 4.35% APY. Investopedia
- Other Notables:
- State Bank of Texas — 4.44% APY, but requires a hefty $100,000 opening deposit.
- First Internet Bank — 4.42% APY. The Annuity Expert
Choosing the Best MMA for You
| Your Priority | Recommended Option |
|---|---|
| Highest APY regardless of deposit | HUSTL Digital Credit Union (4.80% APY) |
| Best combination of high yield & low minimums | Zynlo Bank (4.40% APY, no minimum) |
| Balanced high rate & moderate deposit | TotalBank (4.41% APY, $2,500 minimum) |
MMA vs. High-Yield Savings Accounts
While some high-yield savings accounts (HYSAs) may offer APYs similar to money markets, MMAs often include extra features like check-writing and debit access—valuable for those needing liquidity. However, HYSAs usually have lower minimum balance requirements, making them accessible to more savers. Kiplinger+1Bankrate
Timing Matters: Action Now
With interest rates at current highs, locking in one of these top MMA yields today may protect your returns from potential rate cuts in the future. For even better security, a short-term or no-penalty CD can offer a fixed rate if you’re okay with restricted access. Kiplinger+1
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