Tài khoản thị trường tiền tệ không được chú ý nhiều trong những năm gần đây và dễ hiểu tại sao. Số liệu gần đây của Tổng công ty Bảo hiểm Tiền gửi Liên bang (FDIC) cho thấy tỷ lệ tài khoản tiết kiệm trung bình và tỷ lệ tài khoản thị trường tiền tệ trung bình hiện ở mức 0,06% APY, tính đến thời điểm hiện tại.
Tuy nhiên, vẫn có một số ít ngân hàng trả lãi suất trên tài khoản thị trường tiền tệ ngang với lãi suất chứng chỉ tiền gửi (CD). Và không giống như CD, tài khoản thị trường tiền tệ không ràng buộc tiền của bạn trong một năm hoặc hơn chỉ để bạn nhận được lãi suất ngân hàng cao nhất.
Dưới đây, chúng tôi đã tìm thấy các ưu đãi thị trường tiền tệ sinh lợi nhất hiện có và chia sẻ các chi tiết tài khoản quan trọng cần biết trước khi mở thị trường tiền tệ. Mặc dù Ngân hàng Axos hiện đang cung cấp lợi tức tốt nhất trong số các tài khoản thị trường tiền tệ mà chúng tôi đã xem xét, nhưng bạn nên xem xét Discover, CIT Bank, Nationwide và BBVA để tìm sản phẩm tốt nhất cho mình.
Bạn đã tích lũy được khoản tiết kiệm của mình. Bây giờ đã đến lúc làm nhiều việc hơn với Tài khoản Thị trường tiền tệ! Nếu bạn muốn có một tài khoản tiết kiệm giúp tăng thu nhập của mình hơn nữa, thì Tài khoản Thị trường tiền tệ là dành cho bạn. Nhấp vào trạng thái của bạn để mở tài khoản. Open an Account TodayADVERTISEMENT The best money market accounts of 2021 are easy to open and use, while offering a high return rate. The following banks made our ranking based on their money market rates and other considerations:
Although the money market accounts on this list feature the best rates and terms, there are some differences among them. For example, factors like minimum deposit requirements can vary, and money market accounts often have their own unique perks.
The following money market account reviews can help you decide between today’s top options.
Discover offers quite a few popular banking products outside of its popular cash-back credit credit cards. Along with home equity loan products and personal loans, it offers money market accounts with no minimum balance fees or other hidden fees.
Standout features that come with Discover money market accounts include access to 60,000 ATMS nationwide, a free debit card, and access to the Discover mobile app. Discover also gives you the option to open your money market account online, but you can get started over the phone as well.
Current Money Market Account Rates: As of writing, the institution offers 0.30% APY on balances under $100,000 and 0.35% APY on balances of $100,000 or more.
What Holds It Back: A major downside of Discover money market accounts is it requires an initial deposit of $2,500 to get started.
BBVA money market accounts don’t have the best rates, but its $25 minimum deposit requirement to open an account makes up for it. That makes BBVA a much better choice if you want to earn interest, but have limited savings right now.
Money market accounts from BBVA also come with up to six free withdrawals per month, and you can manage and oversee your account with ease using the BBVA mobile banking app.
Current Money Market Account Rates: Money market rates range from 0.010% to 0.150% for balances from $25 to $5 million. Rates are current as of writing, and vary by region.
What Holds It Back: A major downside of BBVA is its low rates compared to other financial institutions. However, its money market rates are still higher for balances over $10,000 than the national average of all money market accounts combined.
CIT Bank is a popular online bank that’s known for its checking accounts and savings accounts. However, it also offers a rewarding money market account with high rates.
Money market accounts from CIT Bank don’t have any hidden fees or monthly maintenance fees. You can also open your account with as little as $100, so there’s a fairly low barrier of entry to get started. The best part is, you’ll earn the same money market rate regardless of how much you keep in your account.
Current Money Market Account Rates: As of writing, the CIT Bank money market rate is at 0.45% APY.
What Holds It Back: Like many other money market accounts, CIT Bank limits you to six withdrawals or automatic transfers per billing cycle. Since CIT Bank is an online bank, you’ll also have to open and manage your account online.
Axos Bank is another online institution with an attractive money market account offer. This bank lets you open a money market account with no fees involved. You’ll also earn the same return regardless of how much money you keep in your money market account.
You get access to a free debit card when opening your account. It also offers a $20 referral bonus for each friend you refer to Axos who opens an account and meets minimum requirements.
Current Money Market Account Rates: Axos Bank offers 0.60% APY on all balances, as of writing.
What Holds It Back: Although Axos doesn’t require you to maintain a specific amount of money in your account, it does require an initial deposit of $1,000 to get started.
Nationwide offers a generous money market account rate. Interestingly, its money market product is managed by Axos Bank. The Money Market Plus account from Nationwide lets you earn a generous return on your money market deposits, yet you can also get up to $10 in domestic ATM fees reimbursed per month.
Another benefit of Nationwide is it offers the same high money market rate regardless of how much you keep in your account. You also get access to digital banking tools, like online bill pay and mobile check deposit.
Current Money Market Account Rates: The current rate through Nationwide’s Money Market Plus product is 0.50% APY, as of writing.
What Holds It Back: Nationwide requires a minimum deposit of $1,000 to open a money market account. You also have to maintain at least $1,000 in your account to avoid an $8 monthly maintenance fee.
While interest rates are easily the most important factor to consider when comparing money market accounts, we dug a little deeper to make sure all the banks in our ranking are reputable and fair. Here are the main factors we took into consideration while looking for the best money market accounts of 2021:
Before opening a money market account, you should understand how these accounts work and how they stack up to online savings accounts. Here are some of the most important factors to keep in mind.
| Winning Category | Current Money Market Rates | Minimum Account Opening Balance | |
| Discover | Broad ATM Access | 0.30% APY on balances under $100,000 and 0.35% APY on balances of $100,000 or more | $2,500 |
| BBVA | Low Opening Balance Requirement | 0.010% to 0.150% for balances from $25 to $5 million | $25 |
| CIT Bank | No Fees | 0.45% APY | $100 |
| Axos Bank | Highest APY | 0.60% APY on all balances | $1,000 |
| Nationwide | ATM Fee Reimbursement | 0.50% APY | $1,000 |