By using this site, you agree to the Privacy Policy and Terms of Use.
Accept
Next Gen Econ
  • Home
  • News
  • Personal Finance
    • Credit Cards
    • Loans
    • Banking
    • Retirement
    • Taxes
  • Debt
  • Homes
  • Business
  • More
    • Investing
    • Newsletter
Reading: Average Money Market Account Rates for September 2025
Share
Subscribe To Alerts
Next Gen Econ Next Gen Econ
Font ResizerAa
  • Personal Finance
  • Credit Cards
  • Loans
  • Investing
  • Business
  • Debt
  • Homes
Search
  • Home
  • News
  • Personal Finance
    • Credit Cards
    • Loans
    • Banking
    • Retirement
    • Taxes
  • Debt
  • Homes
  • Business
  • More
    • Investing
    • Newsletter
Follow US
Copyright © 2014-2023 Ruby Theme Ltd. All Rights Reserved.
Next Gen Econ > Homes > Average Money Market Account Rates for September 2025
Homes

Average Money Market Account Rates for September 2025

NGEC By NGEC Last updated: September 4, 2025 4 Min Read
SHARE

Martinns/GettyImages; Illustration by Hunter Newton/Bankrate

A money market account is a type of savings deposit account that tends to offer check-writing privileges and a debit card for ATM access to your savings. Typically, savings accounts usually don’t let you write checks from the account, making money market accounts a unique option to store and tap your money when you need it. The average money market account yield is 0.46 percent annual percentage yield (APY) as of the week of September 2, 2025.

You might be rewarded for depositing more money in a money market account

Some money market accounts give you a higher APY for carrying a larger balance. Always make sure you’re following the Federal Deposit Insurance Corp. (FDIC) rules and guidelines to make sure that your money is protected in the event of a bank failure.

Latest average money market account APYs for the past 3 months

Date Money market account national average APY
9/2/2025 0.46%
8/27/2025 0.46%
8/19/2025 0.46%
8/12/2025 0.46%
8/5/2025 0.46%
7/29/2025 0.46%
7/22/2025 0.47%
7/15/2025 0.46%
7/8/2025 0.45%
7/1/2025 0.46%
6/23/2025 0.44%
6/16/2025 0.44%
6/9/2025 0.44%
6/2/2025 0.44%

How we calculate the national average interest rates

More than 1,000 banks and credit unions are surveyed weekly to generate the national averages. Among these institutions are those that are broadly available and offer high yields, as well as some of the nation’s largest banks.

Compare current money market account rates for September 2025

Note: Annual percentage yields (APYs) shown are as of Sept. 4, 2025. Bankrate’s editorial team validates this information regularly, typically weekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or National Credit Union Administration (NCUA) credit unions in its listings.

What influences money market account rates?

The Federal Reserve indirectly impacts money market account rates at competitive banks. Generally, you’ll find that FDIC bank yields follow the Fed’s movements. But a Fed rate increase or decrease doesn’t guarantee that a bank will change its rates.

That’s why you have to compare money market account rates to find the right account for your financial needs.

And beyond yields, you’ll want to make sure a money market account has the features that you’re looking for. Check-writing privileges, ATM access, mobile check deposit and a highly-rated app are the features people tend to look for.

Except for the potential for check writing, a money market account and a high-yield savings account are nearly similar. So it’s also worth considering opening a high-interest savings account in your search for a money market account.

See more: Bankrate’s best money market accounts

Bottom line

You can easily earn more than the national average rate in a money market account. Some FDIC-insured online banks have money market accounts that either don’t require a minimum opening deposit or require a small amount to open the account. When comparing money market accounts, look for an account at an FDIC-insured bank that offers a high APY and no monthly fees.

Did you find this page helpful?

Why we ask for feedback
Your feedback helps us improve our content and services. It takes less than a minute to
complete.

Your responses are anonymous and will only be used for improving our website.

Help us improve our content


Thank you for your
feedback!

Your input helps us improve our
content and services.

Read the full article here

Sign Up For Daily Newsletter

Be keep up! Get the latest breaking news delivered straight to your inbox.

By signing up, you agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.
Share This Article
Facebook Twitter Copy Link Print
What do you think?
Love0
Sad0
Happy0
Sleepy0
Angry0
Dead0
Wink0
Previous Article 10 Ways Seniors Are Being Watched Without Realizing It
Next Article Why Are More Men Over 60 Going Off-Grid in Retirement?
Leave a comment

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

FacebookLike
TwitterFollow
PinterestPin
InstagramFollow
TiktokFollow
Google NewsFollow
Most Popular
Promotional CD Rates: What They Are, How They Work
September 6, 2025
10 Home Safety Mistakes That Make Break-Ins Easier
September 5, 2025
Should You Ever Invite an Online Friend Into Your Home?
September 5, 2025
Bad News For Jobs, Good News For Mortgages
September 5, 2025
Why Are Some Seniors Avoiding Their Grandchildren on Purpose?
September 5, 2025
6 Retirement Relationship Myths That Cause Real-World Breakups
September 5, 2025

You Might Also Like

Homes

Extreme Weather Puts $12.7 Trillion in Homes at Risk, Many Underinsured

5 Min Read
Homes

How To Use The Petal 1 Visa Credit Card

8 Min Read
Homes

Over Half Of HBCUs Could Lose Federal Financial Aid Access

26 Min Read
Homes

What Is The Rule Of 55 And How Does It Work?

11 Min Read

Always Stay Up to Date

Subscribe to our newsletter to get our newest articles instantly!

Next Gen Econ

Next Gen Econ is your one-stop website for the latest finance news, updates and tips, follow us for more daily updates.

Latest News

  • Small Business
  • Debt
  • Investments
  • Personal Finance

Resouce

  • Privacy Policy
  • Terms of use
  • Newsletter
  • Contact

Daily Newsletter

Subscribe to our newsletter to get our newest articles instantly!
Get Daily Updates
Welcome Back!

Sign in to your account

Lost your password?