Financeradar Data
Money Market Accounts Statistics 2026
Data on money market accounts, computed from the Financeradar catalog. Every rate and fee is verified by Financeradar against each provider's own published rate or disclosure. Each figure carries the date it was read; the page itself does not certify anything newer than the newest of those dates.
3.09%
Average APY across the 8 money market accounts with a published APY.
Figures were read between August 11, 2026 and October 20, 2026 (median age 7 days).
Average of the 8 money market accounts with a published APY, read between Aug 11, 2026 and Oct 20, 2026, median age 7 days. It is not a national index. It depends on which accounts are in the catalog, so it can move when accounts are added or removed even if no rate changes; averages quoted in older articles and reports describe the accounts tracked on their own dates.
Computed October 25, 2026 from the catalog; newest figure read October 20, 2026. Edited by Louis Corneloup.
Key findings
- The average APY across the 8 money market accounts with a published APY is 3.09%, from figures read between Aug 11, 2026 and Oct 20, 2026.
- 4 of the 8 money market accounts with a published monthly fee (50%) charge no monthly maintenance fee.
- 3 of the 6 money market accounts with a published minimum (50%) can be opened with no minimum deposit.
- 8 of the 8 money market accounts tracked (100%) state FDIC insurance on their own pages.
- Prime Alliance Bank Personal Money Market has the highest APY on file, 3.90% (read on October 20, 2026).
verified by Financeradar against each provider's own published rate or disclosure Sample: 8 of 8 money market accounts tracked.
Headline numbers
Average APY across the 8 money market accounts with a published APY
Source: Financeradar money market accounts data, 8 of 8 with a published APY, range 0.20% to 3.90%, read between Aug 11, 2026 and Oct 20, 2026, median age 7 days
Money Market Accounts tracked in the Financeradar catalog
Source: Financeradar catalog, published status
Share of money market accounts with no monthly maintenance fee
Source: Financeradar fee data, 4 of 8 money market accounts
Share of money market accounts you can open with no minimum deposit
Source: Financeradar minimum-deposit data, 3 of 6 money market accounts
Share of money market accounts that state FDIC insurance
Source: Financeradar deposit-insurance data, 8 of 8 money market accounts
| Metric | Value | Sample and source |
|---|---|---|
| Average APY across the 8 money market accounts with a published APY | 3.09% | Source: Financeradar money market accounts data, 8 of 8 with a published APY, range 0.20% to 3.90%, read between Aug 11, 2026 and Oct 20, 2026, median age 7 days |
| Share of money market accounts with no monthly maintenance fee | 50% | Source: Financeradar fee data, 4 of 8 money market accounts |
| Share of money market accounts you can open with no minimum deposit | 50% | Source: Financeradar minimum-deposit data, 3 of 6 money market accounts |
| Share of money market accounts that state FDIC insurance | 100% | Source: Financeradar deposit-insurance data, 8 of 8 money market accounts |
Highest APY on file: money market accounts
The 5 money market accounts with the highest APY in the catalog. Each row shows the date its own figure was read; an older reading can be out of date, check the provider's page.
Prime Alliance Bank Personal Money Market
APY read on October 20, 2026
Quontic Bank Money Market Account
APY read on August 11, 2026
Piermont Bank Business High Yield Money Market
APY read on October 17, 2026
Sallie Mae Bank Money Market Account
APY read on October 20, 2026
UFB Direct Portfolio Money Market Account
APY read on October 14, 2026
Explore money market accounts
Methodology and sources
Every figure is computed live from the Financeradar catalog, published money market accounts only. Each rate and fee is verified by Financeradar against each provider's own published rate or disclosure and date-stamped (the "as of" date shown above). Averages, ranges and shares are taken across the products that carry a published figure for that field, and the sample size is stated next to each number. Nothing here is financial advice. See how we rate.