High-Yield Money Market Accounts Offer Up to 4.26% APY.

The national average money market account rate is 0.59%, but some top accounts offer over 4% APY. Historical standards show rates are still high, and with daily compounding, a $10,000 deposit at 0.59% APY would grow to $10,059.17 in one year, while a high-yield account at 4% APY would grow to $10,408.08. Money market accounts may come with restrictions, such as minimum balance requirements and limited withdrawals.