Fifth Third Money Market Rates Today: December 11, 2025
Written by
Sarah Sharkey
Edited by
Joe Evans
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If you’re checking Fifth Third money market rates today to decide where to park extra cash, here’s the short version: the Fifth Third Relationship Money Market still pays a very low yield — around 0.01% APY on most balance tiers in many regions.
That’s far below both the FDIC’s national money market average of about 0.58% APY and the about 4.25% APY you can find at leading online money market accounts like Quontic.
If you already bank with Fifth Third and want a simple, FDIC-insured place to stash a small buffer or emergency fund, the account can still fit. But if your main goal is earning more on your savings, you’ll almost certainly do better with a high-yield savings or money market account elsewhere.
Fifth Third Relationship Money Market — Today’s Terms
| Account name | APY today (example)* | Min opening deposit | Monthly fee | How to waive fee | FDIC insurance** |
|---|---|---|---|---|---|
| Fifth Third Relationship Money Market | about 0.01% APY in many markets | $0 | $5 | Keep ≥$500 avg monthly balance, link eligible Fifth Third checking, be under 18 or in Military Banking | Up to $250,000 per depositor, per bank, per ownership category |
* Example rate based on recent rate data for an Ohio ZIP code; actual APY may vary slightly by region and relationship status.
** FDIC insurance generally covers $250,000 per depositor, per FDIC-insured bank, per ownership category.
Quick Snapshot: Fifth Third Money Market vs The Market
- Fifth Third Relationship Money Market APY: About 0.01% APY across most everyday balance tiers in many markets
- FDIC national money market average: 0.58% APY as of November 17, 2025
- Top online money market APY: Around 4.25% APY at banks like Quontic, with low minimums and no monthly fee
- Top no-fee high-yield savings: Up to 4.35% APY at some online banks as of early December 2025
- Best fit for Fifth Third MMA: Existing customers who value branch access, overdraft protection and a top-rated mobile app more than squeezing out every bit of interest.
Fifth Third Money Market Rates Today
Fifth Third offers one main personal money market account: the Relationship Money Market. Rates are tiered by balance and region, but in practice, many ZIP codes still see 0.01% APY across everyday tiers.
Here’s an example rate structure (based on a recent Ohio ZIP code):
| Balance tier | Example APY today* |
|---|---|
| $0.01 to $9,999 | 0.01% APY |
| $10,000 to $24,999 | 0.01% APY |
| $25,000 to $49,999 | 0.01% APY |
| $50,000 to $99,999 | 0.01% APY |
| $100,000+ | 0.01% APY |
* Sample tiers and APY; always check your local rate page or branch for the day’s official numbers.
What that means in dollars:
- At 0.01% APY, $10,000 earns roughly $1 per year before taxes.
- In a 4.25% APY online money market, the same $10,000 could earn around $425 per year instead — a 400x difference in interest.
How the Fifth Third Relationship Money Market Works
The Relationship Money Market is designed as a “step-up” savings option for people who already bank with Fifth Third.
Key Features
- Variable interest rate (can change at any time)
- FDIC-insured up to applicable limits for money market deposit accounts
- Can be linked to eligible Fifth Third checking accounts for easy transfers and overdraft protection
- Access options: online banking, mobile app, phone and branches across Fifth Third’s multistate footprint
In 2025, Fifth Third’s app was ranked No. 1 in mobile-app satisfaction among regional banks in J.D. Power’s U.S. Banking Mobile App Satisfaction Study, a plus if you do most of your banking on your phone.
Fees and Balance Requirements
- Monthly service fee: $5
- The fee is typically waived if you:
- Maintain an average monthly balance of at least $500, or
- Have an eligible Fifth Third checking account with the same owners, or
- Have an owner under age 18, or
- Are enrolled in Fifth Third Military Banking
Because the APY is so low, paying that $5 fee even once or twice can easily wipe out a year’s worth of interest if you don’t qualify for a waiver.
Access and Digital Experience
If you like digital tools and physical branches, this is where Fifth Third stands out:
- Mobile app with bill pay, mobile check deposit and alerts
- 40,000+ fee-free ATMs in partner networks (varies by region)
- J.D. Power recognition for No. 1 mobile app satisfaction among regional banks in 2025
So while the rate is weak, the user experience and omnichannel access are strong for a regional bank.
How Fifth Third’s Rate Compares Today
Here’s how today’s Fifth Third money market rate stacks up against the broader market:
| Account type | Example APY (Dec. 11, 2025) | What it means on $10,000 (1 year, before tax) |
|---|---|---|
| Fifth Third Relationship Money Market | about 0.01% APY | about $1 interest |
| FDIC national money market average | 0.58% APY | about $58 interest |
| Top online money market (Quontic example) | about 4.25% APY | about $425 interest |
| Top no-fee high-yield savings (example) | Up to 4.35% APY | about $435 interest |
That gap is the core story: you’re trading hundreds of dollars a year in potential interest for convenience and brand familiarity if you keep large balances in Fifth Third’s money market.
Who Is a Fifth Third Money Market Account Best For?
Think of this as a quick “fit check” for today’s terms.
| Best for… | Why it can work today |
|---|---|
| Existing Fifth Third customers | You already use Fifth Third for checking, loans or mortgages and want a simple, linked cash buffer in the same ecosystem. |
| Branch-focused savers | You value in-person help, local branches and call-center support more than chasing top yields. |
| Small emergency-fund savers | You keep a modest rainy-day fund at Fifth Third and invest or stash most savings in higher-yield accounts elsewhere. |
| Not ideal for… | Why it may fall short |
|---|---|
| Rate chasers | You actively compare APYs and move cash when rates change. Fifth Third’s ~0.01% just doesn’t compete. |
| Large-balance savers | Keeping $25,000, $50,000 or $100,000+ here can mean forgoing hundreds or thousands in annual interest compared with top online accounts. |
| Digital-only savers | If you don’t care about branches and mainly want maximum yield plus a decent app, online-only banks usually win. |
How To Open a Fifth Third Money Market Account
If you decide the Fifth Third Relationship Money Market still fits your strategy, opening one is straightforward:
- Check today’s rate in your ZIP code
Go to Fifth Third’s site or call a local branch and confirm the current APY and tier structure for your region. - Gather your documents
You’ll typically need a government-issued ID, your Social Security number and proof of address. - Apply online or in-branch
Start the application through Fifth Third’s digital banking tools or visit a branch if you want in-person help. - Fund the account
Transfer money from a Fifth Third checking account, an external bank or an initial deposit at the branch. - Set up digital banking and alerts
Enroll in online and mobile banking, enable security and balance alerts and decide whether to link overdraft protection from checking.
Final Take to Go: Are Fifth Third Money Market Rates Worth It Today?
As of December 11, 2025, Fifth Third’s money market story is clear:
- The Relationship Money Market APY (~0.01%) is far below the FDIC national average and dramatically lower than the 4%+ APYs available at leading online banks.
- The account’s real strengths are FDIC insurance, easy linking to Fifth Third checking, physical branches and a top-ranked mobile app — not yield.
If you:
- Love Fifth Third’s ecosystem,
- Can easily waive the $5 monthly fee, and
- Only keep a small emergency buffer in the account, then using the Relationship Money Market for convenience can make sense.
But if your main question is “Where can my savings earn more right now?”, the math still points elsewhere. A common strategy is to:
- Keep day-to-day checking and a small buffer at Fifth Third, and
- Move most of your long-term cash to a high-yield money market or savings account at another FDIC-insured institution paying closer to 4%+ APY.
That way, you get the best of both worlds: local service and a strong app from Fifth Third, plus market-level earnings on the bulk of your savings.
FAQs: Fifth Third Money Market Rates for December 11, 2025
Here are answers to common questions about Fifth Third Bank’s money market account.- What is the current Fifth Third money market rate today?
- In many ZIP codes, the Fifth Third Relationship Money Market pays about 0.01% APY across common balance tiers, although exact rates can vary by region and relationship status. Always confirm the day’s rate using your ZIP code on Fifth Third’s site or by calling a branch.
- Is a Fifth Third money market account FDIC-insured?
- Yes. Like other money market deposit accounts, Fifth Third’s Relationship Money Market is generally FDIC-insured up to $250,000 per depositor, per insured bank, per ownership category, as long as your deposits are held directly with the bank.
- How does Fifth Third’s money market rate compare to the national average?
- The FDIC’s national money market average is about 0.58% APY, while Fifth Third’s Relationship Money Market sits around 0.01% APY in many areas, which is far lower. Some online money market accounts pay around 4.25% APY, creating a large earnings gap for savers.
- Who should consider keeping money in Fifth Third’s money market account?
- This account tends to make the most sense for existing Fifth Third customers who care more about branch access, overdraft protection and a strong mobile app than chasing top-tier yields, and who keep modest balances they want easy access to.
- What’s a good alternative if I want a higher money market rate?
- If your priority is yield, consider a high-yield online money market or savings account from a bank paying 4%+ APY with no monthly fee. Many of these accounts have low minimums and are also FDIC-insured, so you keep comparable safety while earning significantly more interest.
More on Fifth Third Bank
- Fifth Third Bank Review
- Fifth Third Bank Routing Number
- Fifth Third Bank CD Rates
- Fifth Third Bank Promotions and Offers
- Fifth Third Bank Fees
Methodology: GOBankingRates analyzes deposit rates from banks and credit unions with nationwide availability. The best rates are identified from this group by focusing on APY. Institutions listed in the daily chart are insured by the Federal Deposit Insurance Corporation or the National Credit Union Share Insurance Fund.
Financial institutions may require certain eligibility criteria — such as membership, existing accounts or location-based restrictions — to open an account or qualify for the listed rates. Always verify account terms, conditions and regional availability with the institution before applying.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 11, 2025.
