Find out how much you could earn with today’s money market account rates. Deposit interest rates (including money market account rates) have been falling over the past year. That's why it’s more important than ever to compare MMA rates and ensure you earn as much as possible on your balance. Overview of money market account rates today The national average money market account rate stands at 0.59%, according to the FDIC. This might not seem like much, but consider that three years ago, it was just 0.07%. ...

存款账户与投资策略 核心观点 - 在波动市场中，高收益储蓄账户的稳定回报可能跑赢通胀，支票账户则提供资金灵活性 [1] - 支票账户应保留1-2个月生活费作为缓冲资金，避免透支费用 [4][5] - 储蓄账户建议存放3-6个月生活费作为应急基金，单亲家庭需储备6-12个月 [6][13] - 高收益储蓄账户利率可达4%-5%，远超全美平均0.38% APY水平 [7][9] 账户配置策略 - **支票账户** - 功能定位：支付日常账单如房租、信用卡，支持借记卡/ATM/ACH转账 [2][3] - 资金规模：月开支的1.5-2倍（例如月付3,000美元则存4,500-6,000美元） [4] - 利率劣势：平均仅0.07% APY，需警惕最低余额要求产生的管理费 [4][5] - **储蓄账户** - 收益优势：网上银行提供4%+ APY，较传统银行0.38% APY显著提升 [7][9] - 资金用途：应急基金优先，但需避免超额存放而错失股市收益 [10][12] - 操作建议：设置自动转账从小额起步，独立于支票账户银行以获取最优利率 [8][7] 行业数据与趋势 - 利率对比：货币市场账户平均0.59% APY > 储蓄账户0.38% APY > 支票账户0.07% APY [4] - 产品差异：高收益储蓄账户利率可达市场平均的10倍以上（4% vs 0.38%） [9] - 利率特性：存款账户利率随联邦基金利率浮动，非固定收益工具 [11] 进阶配置建议 - 多账户策略：按目标分设储蓄账户，长期闲置资金可配置存单(CD) [14] - 平衡原则：需根据家庭结构（如单亲/被抚养人数量）动态调整储备周期 [13] - 效率优化：避免储蓄账户用于日常支付（可能触发提款限制） [10]