$20,000 CD vs. $20,000 money market account: Which will earn more interest in 2026?

Both accounts can be viable options for a $20,000 deposit, but which can earn more this year? Here's what to know.

What is a money market account?

A money market account differs from a money market mutual fund, which is a security and not a deposit account. Money market ...
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National average money market account rates for January 2026

Date Money market account national average APY 1/11 0.43% 11/4 0.43% 12/28 0.42% 12/21 0.45% 12/14 0.44% 12/7 0.44% 11/30 ...

What Is a Money Market Fund?

Money market funds are a low-risk option for conservative investors.