Money Market Account Rates Hold at 0.45% APY in June 2026

As of June 28, 2026, the national average money market account yield is 0.45% APY, unchanged from previous weeks. However, top accounts offer yields significantly higher, with the best rates reaching 3.90% APY from ZYNLO Bank. This information could influence consumer decisions regarding savings accounts compared to money market accounts, especially as competitive banks adjust yields based on Federal Reserve movements. With more than 2,200 banks surveyed, these rates reflect current banking trends and user deposits.