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[Money Market Account Interest Rates And FDIC Insurance Overview] Money Market Accounts (mmas) Currently Offer Interest Rates Around 4% To 4.50% APY, Significantly Higher Than The National Average Of 0.64%, Though Rates Have Fluctuated With Federal Reserve Policy. While Some Mmas Require Minimum Balances (e.g., $5,000) Or Charge Fees, Others Offer Competitive Rates Without Such Restrictions. The FDIC Or NCUA Insures Most Mmas Up To $250,000 Per Depositor, Per Institution. A $50,000 Deposit In An MMA At 4.5% APY Yields Approximately $2,303 In Interest After One Year.
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