货币市场账户利率水平 - 全国货币市场账户平均利率仅为059% 但最高利率可超过4%年化收益率[2] - 当前最高货币市场账户利率由TotalBank提供 达44%年化收益率 超过全国平均水平7倍以上[8] - 部分促销性支票账户利率超过5%年化收益率 但不适合长期存储现金储蓄[9] 利率变动趋势 - 美联储在2024年9月将联邦基金利率下调50个基点 随后在11月和12月各下调25个基点[4] - 货币市场账户利率与联邦基金利率挂钩 美联储降息导致货币市场利率开始下降[3][4] - 预计利率将继续下降 当前可能是储蓄者利用较高利率的最后机会[5] 账户特性与适用场景 - 货币市场账户提供支票书写和借记卡访问功能 但可能设月度取款限额[7] - 适合短期储蓄目标和应急资金储备 收益高于传统储蓄账户[7] - 账户受联邦存款保险保护 本金不会损失 仅可能产生费用[10] 行业比较分析 - 货币市场账户在安全性、流动性和收益性方面提供平衡[6] - 与高风险市场投资相比 存款账户收益较低但风险更小[9] - 不同金融机构利率差异显著 需通过比较选择最优选项[1][6]

Find out which banks are offering the best MMA rates right now. The Federal Reserve cut the federal funds rate three times in 2024 and just made its first rate cut in 2025. As a result, deposit interest rates — including money market account rates — have been falling. It’s more important than ever to compare MMA rates and ensure you earn as much as possible on your balance. A look at the best money market account rates today Although money market account rates are elevated by historical standards, the n ...