Money Market Accounts Offer Up to 4.01% APY Rates Today

In April 2026, top money market account (MMA) rates are reported up to 4.01% APY, significantly higher than the national average of 0.56%, according to the FDIC. Notable accounts include TotalBank offering 4.01% APY and Quontic Bank with 4% APY. The Federal Reserve cut its target rate three times in 2025, resulting in a decline of deposit rates. Potential customers are advised to compare rates and possibly open accounts to maximize earnings given the current high APY offerings.