Money market savings accounts usually have a potential for higher dividend earnings than regular savings, with rate tiers increasing with balances. Money Markets do not require you to keep your money in the account for a certain amount of time. Certificates require the funds to be on deposit for the specified period of time to earn the stated rate, but the rates are often higher than regular or money market accounts. If you prefer to have access to your savings, a Money Market savings account may be a good choice.
