Top Money Market Account Rates for November 16, 2025: Leading Account Offers 4.26% APY
Written by Emily J. Thompson, Senior Investment Analyst
Source: Yahoo Finance
Updated: Nov 16 20250mins
Current Money Market Account Rates: The Federal Reserve has cut its target rate multiple times, leading to a decrease in deposit rates, including money market account (MMA) rates, which currently average 0.59% nationally, while some top accounts offer rates of 4% APY or higher.
Potential Earnings Comparison: A $1,000 deposit in an MMA at the average rate of 0.59% would yield $5.92 in interest after one year, whereas the same deposit at a 4% APY would earn $40.81, highlighting the significant difference in potential earnings based on interest rates.
Importance of Rate Comparison: With the possibility of high rates not lasting long, it is crucial for consumers to compare MMA rates and consider opening accounts now to maximize their earnings.
Additional Financial Products: The article also discusses the best high-yield savings accounts and certificates of deposit (CDs) available today, emphasizing the importance of understanding interest rates and account features when choosing financial products.
About the author
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Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
