If you’re reviewing Fifth Third money market rates today, you’re likely deciding whether to keep cash at a familiar regional bank or move it to a higher-yield option. Fifth Third’s money market accounts emphasize relationship banking and branch access, not aggressive APYs.
In a market where many money market accounts continue to pay high-3% to ~4% APYs, Fifth Third’s rates remain well below national yield leaders. That makes these accounts best suited for convenience-first savers, not rate chasers.
Fifth Third Money Market Accounts — At a Glance
Account Typical APY Range* Balance Requirement Best For Why It Stands Out Relationship Money Market Around ~0.01% Low Existing customers Easy integration with Fifth Third checking Preferred / Relationship Tiers Low single-digit % (with requirements) Varies Relationship clients Slightly higher yield with qualifying balances Top National MMAs (context) High-3% to ~4% Varies Rate-focused savers Meaningfully higher APYs *APYs are variable and subject to change. Relationship pricing depends on balances and account status.
Quick Takeaway: The Relationship Money Market account pays about the same APY whether your balance is $1 or $250,000, making it essentially a convenience vehicle, not a yield-oriented one.
Fifth Third Money Market Rates Right Now
Fifth Third primarily offers a Relationship Money Market account, with potential rate improvements tied to broader banking relationships.
Fifth Third Relationship Money Market
This is the core money market product most customers encounter.
- Base APYs typically remain near the bottom of the market
- Rates do not scale aggressively with balance size
- Designed for cash access, not interest maximization
At current levels, a $25,000 or $50,000 balance earns only nominal annual interest, making this account better suited for short-term liquidity rather than long-term cash growth.
Relationship-Based Rate Considerations
Some customers may see modestly higher yields through:
- Larger combined balances
- Linked checking or other Fifth Third products
- Preferred relationship tiers
Even with these enhancements, Fifth Third’s money market yields generally trail the strongest rates available nationally. The rate gap widens quickly as balances grow.
How Fifth Third Money Market Rates Compare Today
In today’s environment:
- Fifth Third’s money market APYs sit far below competitive ranges
- Relationship pricing narrows the gap slightly, but not meaningfully
- Larger balances face a significant opportunity cost
For example, a $50,000 balance earning near-zero interest can miss out on thousands of dollars per year compared with higher-yielding money market accounts.
Fifth Third Money Market vs Other Cash Options
Versus high-yield money markets:Accounts available nationally continue to pay several percentage points more without relationship requirements.
Versus high-yield savings:Many savings accounts now offer comparable liquidity with far higher APYs.
Versus CDs:CDs may provide better fixed yields but require locking funds. Fifth Third’s money market trades return for flexibility.
Who Fifth Third Money Market Accounts Are Best For
Best suited for
- Existing Fifth Third customers consolidating accounts
- Savers who value branch access and in-person service
- Smaller balances where yield is not the priority
Less ideal for
- Rate-focused savers chasing top APYs
- Large idle balances seeking meaningful growth
- Digital-first users comfortable managing online accounts
Final Take to GO: Are Fifth Third Money Market Rates Worth It?
Fifth Third money market accounts work best as convenience tools, not yield engines. While relationship pricing may slightly improve returns, the accounts remain uncompetitive versus the strongest rates available today.
For savers prioritizing simplicity and branch access, Fifth Third can fit into a broader cash strategy. For those focused on maximizing interest, the rate gap is wide enough that exploring alternatives is usually worthwhile.
Fifth Third Money Market FAQ
- Is Fifth Third’s money market account FDIC-insured?
- Yes. Deposits are FDIC-insured up to applicable federal limits.
- Does Fifth Third offer high-yield money market rates?
- Fifth Third’s money market rates are generally low compared with national yield leaders.
- Can relationship banking increase my APY?
- Some relationship tiers may offer modestly higher rates, but yields remain limited.
- Is a Fifth Third money market better than a CD?
- Money markets offer flexibility, while CDs may provide higher fixed returns.
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 Feb. 6, 2026.