5 Money Market Accounts Paying 4%+ APY Today
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Money market accounts (MMAs) have become increasingly appealing as banks continue offering competitive yields while preserving liquidity and safety. Whether you’re parking emergency funds or optimizing short-term cash, accounts paying 4%+ APY stand out as strong options.
Below, we break down five of the best money market accounts currently offering at least 4% APY, along with their requirements, features, and what you should know before opening an account.
1. Quontic Bank Money Market Account – 4.25% APY
APY: 4.25%
Minimum to open: $100
Monthly fees: None
FDIC insured: Yes
Quontic’s Money Market Account combines one of the highest yields available with flexible access, including debit-card capability and check-writing. With no monthly maintenance fee and an extremely low minimum opening deposit, it’s one of the easiest high-yield MMAs to start.
Best for: Everyday savers who want strong yield and convenient access.
2. ZYNLO Bank Money Market Account – 4.25% APY
APY: 4.25%
Minimum balance: $0.01
Monthly fees: None
FDIC insured: Yes
ZYNLO offers simplicity: you earn the full APY on balances starting at one cent. Unlimited transactions, zero fees, and an intuitive digital interface make it a straightforward high-yield solution.
Best for: Beginners or anyone seeking a low-hassle, high-yield account.
3. EverBank Performance® Money Market – 4.00% APY (Tiered)
APY: 4.00% (on balances ≥ $10,000)
Minimum balance for APY: $10,000
Monthly fees: None
FDIC insured: Yes
EverBank’s tiered structure rewards higher balances. If you maintain at least $10,000, the 4.00% APY puts it in the top tier of competitive MMAs. This account works well for larger savers who want yield plus established banking stability.
Best for: Savers with $10k+ who value a well-known national institution.
4. First Foundation Bank Online Money Market – 4.00% APY
APY: 4.00%
Minimum to open: $1,000
Monthly fees: None
FDIC insured: Yes
First Foundation Bank offers a solid 4.00% APY with a mid-range minimum opening deposit. This is a clean, straightforward account with no surprises, making it a reliable choice.
Best for: Savers with modest balances looking for a simple, high-yield MMA.
5. CFG Bank High-Yield Money Market – ~4.52% APY
APY: ~4.52% (varies by source — confirm current rate)
Minimum to open: $1,000
Monthly fees: None
FDIC insured: Yes
CFG Bank frequently appears near the top of national rate tables. Its high-yield money market account offers one of the strongest ongoing yields, with reasonable minimum requirements.
Best for: Yield-maximizers seeking one of the highest current APYs.
What to Know Before Choosing a Money Market Account:
1. Rates Are Variable
MMAs don’t lock your rate. Banks can raise or lower APYs at any time, depending on the interest rate environment.
2. Minimum Balance Requirements Matter
Some banks require a certain deposit to earn the advertised APY – especially tiered accounts like EverBank.
3. Liquidity Is High (But Not Unlimited)
Most MMAs include check-writing or debit access, but some may limit transactions per month.
4. FDIC Insurance Protects Your Funds
All accounts listed here are FDIC insured up to $250,000 per depositor, per bank.
Are Money Market Accounts Worth It Right Now?
Yes – especially if you want:
- Higher returns than traditional savings accounts
- Easy access to your money
- FDIC-insured safety
- A temporary home for cash while waiting on market opportunities
With many banks offering 4% – 4.5% APY, MMAs remain one of the most attractive liquid savings vehicles in 2025.
Conclusion
If you’re looking to earn more on your cash without locking it into a CD or taking on risk, today’s top money market accounts offer exceptional value. With multiple options paying 4%+ APY, savers can combine high yield with flexibility and security.
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