Rate figures in this guide were last checked on November 14, 2026. What’s new this month: the national average ticked up to 0.48%, the top rate reached 4.05% APY, and the Federal Reserve held rates at its October 28 meeting — details below. Money market rates are variable and change frequently — confirm the current APY on the bank’s website before you open an account. If you searched “money market rates” this month, you probably saw two numbers that don’t seem to belong in the same universe: a...







