KeyDirect Bank just became the money market account leader based on the rules defined in this fatwallet thread. KeyDirect's new rate on its Key Optimum Money Market Savings account is 4.55% APY. It has a rather high minimum opening deposit requirement of $25K. You can still earn this rate with smaller balances, however, a monthly service charge of $20 will then apply.
KeyDirect Bank's 4.55% just edges out Hillcrest's 4.54% rate. KeyDirect has the advantage of only requiring $25K rather than $50K to get this rate without fees.
One bad thing about KeyDirect is that it only serves those in states where KeyBank doesn't have branches. People living in states with KeyBank branches will have to depend on a local KeyBank branch.
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