FDIC data indicates the average money market account APY is 0.59% as of September 2025. However, DepositAccounts indicates that the average APY for the 1% top-yielding money market accounts is 3.95%.

Want to earn more money the easy way? Learn how a CD ladder works and how it can supercharge your savings in 2025.

The Federal Reserve recently cut interest rates for the first time this year, while also projecting a drop in rates into 2027. Certificate of deposit (CD) rates are already on the decline -- and ...

With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, ...

With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. The Federal Reserve issued a series of rate cuts in the final months of ...

The best short-term CD rates can help you reach your savings goals faster.

Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to ...

Certificates of deposit often offer some of the best yields you’ll find at your bank or credit union. In fact, the best CD rates currently sit at over 4% APY. But that high interest rate comes with a ...

Co-hosts Royce Yudkoff, at left, and Richard Ruback share a laugh during a recording of Think Big, Buy Small, their popular ...

Laddering certificates of deposits or Treasury bills lets you keep your money liquid but still earn decent yields.