10 Best Money Market Accounts For November 2025: Up To 4.25%

We like NASA Federal Credit Union Premier Money Market because it marries a decent yield (although not among the highest on the market) with good customer service, including a highly rated app and the ability to connect with a customer service representative through live chat. All deposits are National Credit Union Administration (NCUA) insured up to $250,000 per depositor for each account ownership category.

Why We Like It 

The NASA Federal Credit Union Premier Money Market account offers good customer service—from its mobile app to the ability to live chat with its representatives—and doesn’t charge much in the way of fees. Its yield of 1.65%, while not among the highest available, is still relatively competitive.

What We Don’t Like

You’ll need to become a member of the credit union to open an account, and you’ll need at least $10,000 to open an account.

Best For Easy Transfers

NASA Federal Credit Union is a part of Shared Branches, a network of affiliated credit unions that allows customers to visit locations around the country in order to do their banking business.

• You can become a member by joining the National Space Society when you apply for your account.
• The Premier Money Market account earns a yield of 1.65%, though you’ll need to maintain a daily minimum balance of $10,000, which is also the amount needed to open the account. Dividends compound and are credited monthly.
• You’ll be limited to six transactions a month for automatic transfers taken to cover overages on other accounts, transfers by telephone and ACH transfers made at a predetermined time.
• There is no limit on transactions if you use your account to pay for loans, or for transactions made in person or via an ATM.
• NASA is a shared branch, meaning it’s part of a co-op of credit unions, which allows you to use an ATM and make deposits or withdrawals. You can use its map tool to find a branch near you.

We picked the money market account from Quontic Bank because it has a competitive tiered interest rate structure and comes with a debit card offering access to over 90,000 ATMs nationwide. The account has no maximum deposit limit, making it a suitable choice for savers looking to earn a competitive APY on large balances.

Why We Like It

This account requires a relatively low $100 minimum deposit to open the account and charges no monthly maintenance fee.

What We Don’t Like 

No physical locations or paper statements means that you must be comfortable with online-only banking.

Best For Large Balances

Those with a preexisting savings haul will benefit from Quontic’s savings yield, which is among the highest on the market.

• Savers earn a healthy interest rate of 4.25% annual percentage yield, which applies to all balance tiers, identified as $0.01–$4,999.99, $5,000.00–$149,999.99 and balances over $149,999.99 no matter how much money is in your accounts, and interest compounds daily.
• You can access your account from more than 90,000 ATMs nationwide, and there’s no limit to the number of transactions you make in a month.
• A customer service representative is available Monday through Friday via live chat, email or phone, and you can also use the bank’s highly rated mobile app.
• There is no maintenance fee and few other costs involved with the account. You will owe $10 for a returned deposited item and $25 for an outgoing domestic wire transfer.

We ranked the Synchrony Money Market Account highly thanks to its combination of low fees and relatively competitive APY. There’s no minimum to open an account, no maintenance fee and you can withdraw your funds fee-free from one of its in-network ATMs. You’ll also receive up to $5 in ATM reimbursements if you were charged by a third-party ATM operator. While its 2.00% APY isn’t the highest figure on the market, it is more than most.

Why We Like It 

The account is easy to use, charges few fees and reimburses some ATM charges (if you use an ATM outside its network). You can also request checks. The fact that these benefits come with a competitive APY is a nice bonus.

What We Don’t Like 

The account’s APY, though nothing to sneeze at, is not among the best available.

Best For First-Time Savers

Young savers benefit from Synchrony’s lack of fees, high yields and no minimum balance.

• Synchrony’s money market account offers a competitive 2.00% APY on all balance tiers. While that’s not the highest yield on the market, it is still much higher than the typical money market account.
• Even better, there is $0 and no monthly maintenance fee, making it attractive to new savers looking for an account.
• You can access your cash at any ATM with the Plus or Accel logos without paying any fees, and you’ll receive $5 in reimbursements if you’re charged to use an ATM out of network. You can request checks, and you can use your account as often as you’d like without incurring a fee.

We chose First Internet Bank because its money market account offers a competitive yield on all balances. Its monthly fee is waived on balances of $4,000 or more, and emergency funds tend to be large enough to surpass this minimum.

Why We Like It

This full-service online bank also offers competitive checking, savings and CD accounts, so you can do all your banking in one place.

What We Don’t Like

Other money market accounts that don’t charge monthly fees are available, so if your balance might fall below $4,000, it’s best to go with those. Also, this account doesn’t come with an ATM card, which could be a pro or con depending on your needs.

Best For Online Banking 

First Internet Bank doesn’t have branches, but you’ll earn a high yield on your savings.

• First Internet Bank’s Money Market Savings offers a competitive 3.25% APY with a daily balance of $1 million or less or a 3.90% APY with a daily balance above $1 million. There is a $5 monthly maintenance fee, but you can avoid this by keeping an average daily balance of at least $4,000. Customers can open an account for $100, lower than required by some other banks and credit unions.
• To get a debit card or checks, you’ll need to open a separate checking account with First Internet Bank. Although there’s no ATM network, the bank does provide up to $10 per month in ATM surcharge rebates.
• Interest is compounded and credited monthly. There’s an excess transaction fee of $5 for certain types of transactions beyond six per statement cycle.

Our experts like the Northern Bank Direct Money Market Premier Account because it pays a competitive APY on balances up to $250,000 and charges few fees. You can make an unlimited number of withdrawals via ATMs, which you can find with the bank’s map tool.

Why We Like It

Earn a high yield on your savings while having the freedom to make unlimited ATM withdrawals.

What We Don’t Like

You must deposit at least $5,000 to open an account, limiting its usefulness for young savers.

Best For Quick Access

With unlimited ATM withdrawals from fee-free locations that are in network, you’ll be able to access your cash when you need it.

• Northern Bank Direct pays a competitive 3.50% APY on its money market account on balances up to $250,000. For anything more than that, you’ll only receive a yield of 0.25%. Interest compounds and is credited monthly.
• You’ll need to deposit at least $5,000 to open an account.
• There are no account fees, and you can withdraw cash fee-free from ATMs that are part of the SUM network.
• Customer service is available but limited compared to other online banks. You can call Northern Bank Direct during normal business hours Monday through Friday, 8 a.m. to 6 p.m. ET, and Saturdays from 8:30 a.m. to 12:30 p.m. ET. You can also send emails, but there is no live chat.

Redneck Bank’s Mega Money Market account offers users a high yield on balances up to $100,000, doesn’t charge a monthly maintenance fee and allows users to withdraw cash from ATMs.

Why We Like It

We love that this account offers one of the highest yields on the market without imposing a minimum balance requirement.

What We Don’t Like

Your APY drops to 3.85% on balances over $100,000, which limits the account’s upside.

Best For No Minimum Balance

You start earning 0.50% on the first dollars you save. That high rate, though, is limited only to balances up to $100,000.

• Mega Money Market account holders earn 0.50% APY on the first $100,000 they deposit and then 3.85% on each additional dollar. You’ll need to put down at least $500 to open an account, but there’s no minimum balance requirement going forward.
• Savers have access to fee-free ATMs, which you can find on Redneck Bank’s website, but you are only allowed to make six free transactions a month. You’ll owe $5 for each additional transaction throughout the billing cycle. You can make 10 online monthly bill pay transactions, before owing $0.50 for each additional one.
• There is a $3 fee for paper statements, though no fee for electronic ones, and you’ll owe $25 if your account has been overdrawn for 10 consecutive days.

CIT Bank’s money market account offers a decent yield of 1.55%, but keeps fees low and allows unlimited transactions for savers. Additionally, CIT Bank employs numerous security measures to keep your funds safe, including transaction and activity monitoring, 128-bit Secure Socket Layer (SSL) encryption, antivirus protection and firewalls to block unauthorized individuals.

Why We Like It

We love that the account requires just $100 to open and doesn’t have a monthly maintenance fee, all while offering an APY of 1.55%.

What We Don’t Like

We wish that the account came with check-writing privileges and an ATM card. Plus, you can find higher yields elsewhere.

Best For Financial Security

You’ll receive the standard $250,000 in Federal Deposit Insurance Corporation (FDIC) insurance per depositor, but you can feel additional security knowing that your funds will be held by First Citizens Bank, one of the nation’s largest financial institutions.

• CIT Bank’s money market account offers an APY of 1.55%, which is lower than the top rates available but still much higher than a typical competitor.
• The minimum deposit requirement is just $100, and there’s no monthly maintenance fee, making the account very user-friendly for new account holders.
• There are no check-writing privileges or ATM access, so avoid this account if you want a money market account that acts more like a checking account. Still, you can make an unlimited number of electronic transactions without incurring a fee.
• You won’t be charged for incoming wire transfers, but you will be charged $10 for outgoing wires if your account’s daily average balance is below $25,000 (if your account’s daily balance is over this amount, there is no fee) ) and $25 for an overdraft.

We ranked Sallie Mae Bank’s money market account highly because savers can pair this competitive MMA with the bank’s SmartyPig savings account. The SmartyPig Account comes with tools to create and track progress toward specific money goals—like an online piggy bank. The bank’s MMA gives savers a place to earn a high rate on savings they’ve already built, and the SmartyPig Account helps them set and achieve new financial milestones.

Why We Like It

The combination of a high APY with no monthly maintenance fee or minimum deposit requirement makes this account a clear winner.

What We Don’t Like

The bank’s mobile app could be more user-friendly. Additionally, there’s no option for a debit card with this account, which could turn away some customers.

Best For Short-Term Savings Goals

Consider Sallie Mae’s MMA if you’re working on building your savings and could use some guidance on setting and tracking money goals. The savings tools and competitive APY should provide extra motivation.

• Sallie Mae Bank’s money market account features a competitive 3.85% APY with no minimum deposit requirement and no monthly maintenance fee. The account doesn’t come with a debit card, but account holders can write checks.
• Outgoing money market account transfers to repay loans at Sallie Mae are unlimited.
• Interest on Sallie Mae money market accounts is compounded daily and paid monthly.

You’ll earn a yield of 3.51% on your balances, and you only need to put up $100 to open an account. The yield is the same across income tiers—simplifying matters for savers—and compounds daily.

Why We Like It

VirtualBank eMoney Market accounts offer a yield that is close to the top of the market without requiring a big minimum deposit to open an account.

What We Don’t Like

There is a $5 monthly fee, though it can be waived, and you are limited in the number of transactions you can make a month.

Best For Flexible Terms

You’ll earn a high yield across balance tiers, helping you to meet your financial goals.

• You’ll earn a yield of 3.51% on all balances and interest compounds daily. That’s among the top rates in our ranking.
• You can open an account with $100, though you will be charged a $5 monthly maintenance fee if your balance falls below that level at least once in a billing cycle.
• You can make six free transactions a month but will be charged a $15 fee for each additional transfer or withdrawal.
• Overdrafts will result in a $35 fee.