National average money market account rates for December 2025

2 hours ago 2

Matthew Goldberg

Tue, December 23, 2025 astatine 9:53 AM CST 3 min read

A money marketplace relationship is simply a benignant of savings deposit relationship that tends to connection check-writing privileges and a debit paper for ATM entree to your savings. Typically, savings accounts usually don’t fto you constitute checks from the account, making wealth marketplace accounts a unsocial enactment to store and pat your wealth erstwhile you request it. The mean wealth marketplace relationship output is 0.45 percent yearly percent output (APY) arsenic of the week of December 23, 2025. However, yields connected the champion wealth marketplace accounts tin beryllium much than 9 times arsenic precocious — so, erstwhile you’re buying around, don’t settee for the average.

Some wealth marketplace accounts springiness you a higher APY for carrying a larger balance. Always marque definite you’re pursuing the Federal Deposit Insurance Corp. (FDIC) rules and guidelines to marque definite that your wealth is protected successful the lawsuit of a slope failure.

Date	Money marketplace relationship nationalist mean APY
12/15	0.44%
12/8	0.44%
12/1	0.44%
11/24	0.44%
11/17	0.44%
11/10	0.45%
11/2	0.46%
10/26	0.46%
10/18	0.46%
10/12	0.46%
10/5	0.45%
9/28	0.46%
9/21	0.46%

More than 2,200 banks and recognition unions are surveyed play to make the nationalist averages. Among these institutions are those that are broadly disposable and connection precocious yields, arsenic good arsenic immoderate of the nation’s largest banks.

Quontic Bank — 4.25% APY
Zynlo Bank — 4.10% APY
M.Y. Safra Bank — 3.85% APY
Vio Bank — 3.77% APY
Sallie Mae Bank — 3.50% APY

Note: Annual percent yields (APYs) shown are arsenic of December 23, 2025. Bankrate’s editorial squad validates this accusation regularly, typically monthly. APYs whitethorn person changed since they were past updated and whitethorn alteration by portion for immoderate products. Bankrate includes lone FDIC banks oregon National Credit Union Administration (NCUA) recognition unions successful its listings.

The Federal Reserve indirectly impacts wealth marketplace relationship rates astatine competitory banks. Generally, you’ll find that FDIC slope yields travel the Fed’s movements. But a Fed complaint summation oregon alteration doesn’t warrant that a slope volition alteration its rates.

That’s wherefore you person to comparison wealth marketplace relationship rates to find the close relationship for your fiscal needs.

And beyond yields, you’ll privation to marque definite a wealth marketplace relationship has the features that you’re looking for. Check-writing privileges, ATM access, mobile cheque deposit and a highly-rated app are the features radical thin to look for.