If you’re checking Fifth Third money market rates today, you’re probably deciding whether to keep cash there or move it to a higher-yield account.
As of December 4, 2025, Fifth Third’s standard Relationship Money Market still pays about 0.01% APY on many everyday balance tiers, based on recent rate disclosures and independent analysis.
That’s a fraction of what you can earn elsewhere. The FDIC national money market average is 0.58% APY, and leading online money market accounts are paying around 4.25% APY, with a handful of standouts up to 4.5% APY.
So where does that leave Fifth Third? The Relationship Money Market can still work as a small cash buffer if you already bank there and easily waive the fee. If your top priority is earning the highest yield, you’ll almost always do better by pairing your Fifth Third checking with a separate high-yield account at another FDIC-insured bank.
Fifth Third Relationship Money Market — Today’s Terms
Use this near the top as your daily “at a glance” visual.
| Account | Current APY* (Dec. 4, 2025) | Min Opening Deposit | Monthly Fee | How To Waive Monthly Fee |
|---|---|---|---|---|
| Fifth Third Relationship Money Market | About 0.01% APY in many markets | $0 | $5 | Keep an eligible Fifth Third checking account, maintain about $500+ average monthly balance, be under 18 or enroll in Military Banking |
*APYs vary by ZIP code, balance and relationship status, and can change any day. Always confirm today’s rate on Fifth Third’s site, in the app or with a banker before you open or fund an account.
Fifth Third Money Market Rates Today
Fifth Third offers one main consumer money market option: the Relationship Money Market.
The bank doesn’t post a single nationwide rate table for this account online. Instead, APYs depend on:
- Your ZIP code
- Your balance
- Whether you qualify for certain relationship benefits or promotions
Recent rate snapshots and third-party reviews still show the standard APY hovering around 0.01% in many markets, with only modest boosts for some relationship tiers.
At that level, the account behaves like a parking place for cash inside the Fifth Third ecosystem, not a serious growth vehicle.
How the Fifth Third Relationship Money Market Works
The Relationship Money Market is designed as a “step-up” savings bucket for customers who already use Fifth Third for checking or other banking needs.
Core Features
- Variable, tiered interest rate
Rates can change at any time and may rise slightly at higher balances or with certain relationship levels. - FDIC-insured
Deposits are insured to $250,000 per depositor, per insured bank, per ownership category, which includes money market deposit accounts. - Easy linking to Fifth Third checking
Use it for transfers, automatic savings and overdraft protection on eligible checking accounts. - Multiple access channels
Manage your money online, in the Fifth Third mobile app or at one of roughly 1,100 branches across the bank’s 11-state footprint.
Fifth Third markets the account as a way to “boost” savings when you keep higher balances and deepen your relationship with the bank. In practice, the base rate remains far below both national averages and top-tier online accounts, so the real draw is convenience and integration, not yield.
Fees and Balance Requirements
The Relationship Money Market charges a $5 monthly service fee, which you can usually avoid by meeting at least one of these conditions:
- Maintain an eligible Fifth Third checking account with the same owners
- Keep an average monthly balance of $500 or more in the money market
- Have an owner who is under age 18
- Be enrolled in Fifth Third Military Banking
Because the APY is so low, that $5 fee can wipe out a year’s interest in a single month on small balances. For example:
- At 0.01% APY, a $10,000 balance earns about $1 per year
- One month of fees at $5 costs $60 per year if you don’t qualify for a waiver
If you can’t easily meet a waiver requirement, this account is a poor fit for a long-term emergency fund.
Access and Digital Experience
Where Fifth Third shines is the customer experience, not the rate.
- Large ATM network: Access to tens of thousands of fee-free ATMs nationwide through Fifth Third and partner networks
- Robust digital banking: Mobile check deposit, bill pay, alerts and card controls in the Fifth Third app
- Top-rated mobile app: Fifth Third earned the highest mobile app satisfaction score among regional banks in the 2025 J.D. Power U.S. Banking Mobile App Satisfaction Study, reflecting strong scores for navigation, speed and visual appeal.
If you like having both a strong app and brick-and-mortar branches, Fifth Third’s ecosystem is a plus — even if its money market yield is underwhelming.
Other Savings Options at Fifth Third
If today’s Fifth Third money market rate looks too low, the bank offers a few other ways to store cash. Most still lag the 4%-5% APYs available at the best high-yield accounts, so they’re mainly useful if you want to keep everything in one place.
Fifth Third Momentum Savings
- Typical APY: Often similar to 0.01% APY in many markets
- Monthly fee: Commonly $5, with waiver options that mirror the money market
- Key feature: Smart savings tools that move small amounts from checking into savings automatically over time
Momentum Savings works well as an automation and goal-setting tool, not a high-yield destination for larger balances.
Fifth Third CD Accounts
If you’re willing to lock in your money, Fifth Third’s CDs can pay more:
- Promotional CDs have recently advertised APYs above 3% on select terms, which is more competitive for a branch bank
- Standard CDs away from promos tend to track typical brick-and-mortar averages, often in the low single digits
You’ll need to enter your ZIP code, call or visit a branch to see the exact CD rates available today in your area.
How Fifth Third Money Market Rates Compare Right Now
Here’s how Fifth Third’s Relationship Money Market stacks up on December 4, 2025:
- Fifth Third Relationship Money Market: about 0.01% APY in many markets
- FDIC national savings average: 0.40% APY
- FDIC national money market average: 0.58% APY as of November 17, 2025
- Average money market yield (survey estimate): around 0.44% APY
- Top money market accounts: around 4.25 to 4.50% APY at leading online banks
- Best high-yield savings accounts: generally near 4% to 5% APY for well-qualified savers
In dollar terms:
- At 0.01% APY, a $10,000 balance earns about $1 per year
- At 4.25% APY, the same $10,000 could earn roughly $425 per year before taxes
That’s why many people use Fifth Third for checking and everyday banking, but keep larger savings in a separate high-yield account.
Who Is a Fifth Third Money Market Account Best For?
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Fifth Third Money Market: Best For vs Not Ideal
| Best For | Not Ideal For |
|---|---|
| Existing Fifth Third customers who want a simple cash bucket linked to their checking account | Rate chasers who compare APYs often and are willing to open new online accounts |
| Branch-focused savers who value in-person help and a familiar regional brand | Large-balance savers who could earn hundreds or thousands more per year in a 4%+ online MMA or savings account |
| Small cash-buffer savers who keep a modest emergency fund at Fifth Third while investing or saving more elsewhere | People outside Fifth Third’s footprint who won’t get much value from its branch network |
| Customers who want overdraft protection and easy internal transfers | DIY digital users who are comfortable running all their banking through high-yield online platforms |
If your main question is “Where can I earn the highest safe yield?”, this money market likely won’t be your top choice. If your question is “Where can I keep a small cash cushion that plays nicely with my Fifth Third accounts?”, it can still fit.
How To Open a Fifth Third Money Market Account Today
If the Relationship Money Market still makes sense for your situation, the setup is straightforward.
- Check today’s rate
Go to Fifth Third’s website, sign in to the app or call your local branch to confirm today’s APY and any regional promotions. - Gather your information
- Government-issued photo ID
- Social Security number
- Proof of address
- Apply online or in a branch
Start the application online or visit a branch if you prefer face-to-face help. - Fund the account
Transfer money from an existing Fifth Third account or link an external bank to move funds electronically. - Set up digital banking
Enroll in online and mobile banking, turn on alerts and decide whether to use the money market for automatic transfers or overdraft protection.
Final Take To Go: Are Fifth Third Money Market Rates Worth It Today?
On December 4, 2025, not much has changed: Fifth Third’s Relationship Money Market still pays about 0.01% APY in many markets, while top competitors pay 4.25 to 4.50% APY.
If you already rely on Fifth Third for checking, like its #1-rated regional mobile app and can easily waive the monthly fee, using the Relationship Money Market as a small emergency fund or overdraft buffer can be reasonable.
If your goal is to grow savings as much as possible, you’ll almost certainly come out ahead by:
- Keeping everyday banking at Fifth Third
- Sending larger cash balances to a high-yield money market or savings account at another FDIC-insured bank paying closer to 4% to 5% APY
Take a few minutes to compare today’s Fifth Third rate with top online offers before you move money. That quick check can easily be worth hundreds of dollars per year on a five-figure balance.
FAQs: Fifth Third Money Market Rates for December 4, 2025
Here are answers to common questions about Fifth Third Bank’s money market account.- What is Fifth Third’s money market rate today?
- As of December 4, 2025, Fifth Third’s standard Relationship Money Market account is still paying about 0.01% APY on many balances in a number of regions, based on recent rate data and GOBankingRates analysis. Your exact APY can vary by ZIP code, balance and relationship status, so always confirm today’s rate with the bank.
- Does Fifth Third offer promotional or higher money market rates?
- Yes. Fifth Third sometimes offers promotional or relationship-based money market rates that are higher than the standard 0.01% APY, but these deals are often targeted by ZIP code or mailed offers and may require new money or specific checking relationships. You will need to check directly with Fifth Third for any promos in your area.
- How do Fifth Third money market rates compare to national averages?
- Fifth Third’s standard money market APY of about 0.01% is well below the FDIC national money market average of 0.58% APY and far under the best money market accounts paying up to 4.25% APY at online banks. That gap can mean earning hundreds of dollars less per year on a $10,000-plus balance.
- Is the Fifth Third money market better than its Momentum Savings account?
- In many markets, the Relationship Money Market and Momentum Savings accounts pay similar low APYs near 0.01%. The main difference is how you use them. The money market is better if you want a linked overdraft buffer and a separate cash bucket, while Momentum Savings focuses on automatic transfers and goal-based saving in the app. Neither is likely to be your primary high-yield account if you are rate-sensitive.
- Who should avoid the Fifth Third money market account?
- You may want to skip this account if you hold large cash balances, frequently shop for the highest APYs or do not already use Fifth Third for everyday banking. In those cases, a no-fee high-yield savings or money market account at an online bank paying around 4% to 4.25% APY is usually a better way to balance safety and growth.
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. 4, 2025.