10 money market accounts that pay at least 4% APYToday, the national average money market interest rate is just 0.59%, according to the FDIC. Example benefits of high money market ratesBecause money market bank account rates vary widely, it's important to choose an account with a competitive rate. Learn more: MMAs vs. CDsMoney market account vs. money market fundMoney market funds and money market accounts may sound like the same thing, but they differ in a few key ways. Learn more: MMAs vs. money market fundsHow to open a money market accountOpening a money market account is a fairly straightforward process. Learn more: How to open a money market accountBest money market accounts methodologyOur grading system, collected and carefully reviewed by our personal finance experts, comprised more than 100 data points for close to 20 federally insured money market accounts to develop our list of the top 10 best money market accounts.