Top money market rates on May 9, 2026

As of May 9, 2026, several banks are advertising some of the highest nationally available yields on money market accounts. The most prominent offers range from 3.75% to 4.01% annual percentage yield (APY), placing these products among the best money market rates currently in the market.

These accounts are aimed at savers seeking higher yields on liquid funds while retaining the ability to access cash. The offers differ mainly in APY levels and minimum balance thresholds required to earn the top advertised rate.

TotalBank currently posts the highest listed yield, with its Online Money Market Deposit Account offering a 4.01% APY. To qualify for this top rate, customers must maintain a minimum balance of $2,500 in the account.

This 4.01% APY places TotalBank at the top of the observed rate table for May 9, 2026. The account is positioned as a high‑yield option for customers who can meet the higher minimum requirement to access the advertised return.

Brilliant Bank follows closely with its Surge Money Market Account, which offers a 4% APY. The minimum balance needed to earn this highest rate is $1,000, which is lower than TotalBank’s threshold.

The combination of a 4% APY and a $1,000 minimum balance makes the Surge Money Market Account a notable competitor for savers who want a high yield but prefer a smaller minimum funding requirement than TotalBank’s account.

First Foundation Bank’s Online Money Market Account provides a 3.75% APY. Customers must hold at least $1,000 in the account to receive this top rate, aligning its minimum requirement with that of Brilliant Bank, though at a slightly lower yield.

Prime Alliance Bank’s Personal Money Market Account also offers a 3.75% APY. The provided information highlights the rate but does not specify a required minimum balance to earn this yield, distinguishing it from the clearly defined thresholds at the other institutions.

Together, First Foundation Bank and Prime Alliance Bank present competitive alternatives in the upper tier of today’s money market rates, sitting just below the yields offered by TotalBank and Brilliant Bank.

Across these institutions, the top advertised APYs of 3.75% to 4.01% are described as among the best rates available as of May 9, 2026. The range illustrates a strong environment for money market savers seeking higher returns on short‑term cash holdings.

Differences in minimum balance requirements create meaningful distinctions among the accounts. TotalBank leads on yield but requires a larger balance, while Brilliant Bank and First Foundation Bank target savers comfortable with a $1,000 threshold. Prime Alliance Bank competes on rate at 3.75% APY, with fewer published details on balance requirements in the available information.