If you're talking about a money market savings account that works like a regular, at-will deposit savings account, you won't find anything. The best interest rate at the best credit union in Columbus, OH (a large-enough metropolitan area) was like .4% interest (so low, you lose money relative to inflation), because people are so scared of investing that deposit interest rates are driven way, way down. The same will go for many retail banks... the only exception I can think of would be an online bank like Ally or ING Direct. You may want to check them out. What is wrong with having it in a mutual fund exactly?