YieldDocket

National average Money market rate (FDIC)

The FDIC national average Money market rate published Oct 19, 2026 is 0.63%.

Over the last 14 monthly publications it ranged from 0.56% (January 2026) to 0.65% (July 2026).

National averages computed by the FDIC, not offers from any institution. Rates offered by individual banks can be higher or lower.

FDIC national average Money market rate by monthFDIC national average Money market rate from 0.59% (September 2025) to 0.63% (October 2026).0.55%0.57%0.60%0.62%0.65%Oct 2025DecFebAprJunAugOct0.63%FDIC national average Money market rate by monthFDIC national average Money market rate from 0.59% (September 2025) to 0.63% (October 2026).0.55%0.60%0.65%Oct 2025FebJun0.63%
Source: FDIC dated monthly National Rates pages, September 2025 to October 2026.

Money market national rate history

PublishedNational rateChange (pts)
October 20260.63%0.00
September 20260.63%0.00
August 20260.63%−0.02
July 20260.65%+0.04
June 20260.61%+0.04
May 20260.57%0.00
April 20260.57%+0.01
March 20260.56%0.00
February 20260.56%0.00
January 20260.56%−0.02
December 20250.58%0.00
November 20250.58%−0.01
October 20250.59%0.00
September 20250.59%—

Source: FDIC, National Rates and Rate Caps, Oct 19, 2026, retrieved 2026-10-22 00:35 CDT. National rates are deposit-weighted averages across insured institutions and credit unions computed by the FDIC; savings and interest checking use the $2,500 tier, money market and CDs average the $10,000 and $100,000 tiers. They are averages, not offers from any institution. Change is in percentage points. The rate cap applies to banks that are less than well capitalized.

Other national rates