The average money market account earns 0.62% Annual Percentage Yield (APY), according to the FDIC. Money market accounts frequently offer tiered interest; higher account balances mean higher rates.

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UFB Direct Portfolio Money Market Account. 4.01% APY for all balance tiers, no monthly fee on a $5,000 balance (otherwise it's $10), six free withdrawals per month.

The CoinDesk Overnight Rates (CDOR) convert USDC and USDT stablecoin borrowing data on Aave into daily benchmarks to support hedging and rate-based products.

The market opportunity for tokenized money market funds as a collateral source is currently confined to DeFi, which is estimated to reach $48 billion by 2031 according to IBS Intelligence.

An icon in the shape of an angle pointing down. Redneck Bank also offers a money market account, which pays 0.50% to 4.25% APY. You'll earn the highest rate on balances up to $100,000.

This has pushed total money market fund assets to $5.28 trillion, the largest number since the $4.8 trillion pandemic peak. MMFs invest in short-term assets and securities such as cash, ...

Money market fund rates aren’t typically enough to fulfill the "Rule of 72" over a short timeframe, he said. The Rule of 72 is used to estimate how long it will take to double your money.

12 best money market accounts of July 2025: Earn up to 4.40% APY Money market accounts grow your savings and give you easy access to your cash when you need it.

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Still, money market account rates are competitive, so it's smart to shop around online for both account types to see which one is truly able to offer you the greatest return. Shop for CDs online now .