I'm trying to understand the differences. Apparently Money Market isn't FDIC insured but most of what I'm reading says it "shouldn't" matter. The benefit is easier to access than a HYSA and for me, my credit union already has a product. I hate risk at least in the current economic climate and am leaning more toward a HYSA but everytime I look up one I see bad reviews. Can anyone recommend one or give me their $.02 why a money market would suffice. Have a substantial amount that I don't want to tie up in CDs. Already did that with some. Trying to figure out how and when to invest with at least a good chunk but this doesn't come easy to me. Already got lectured about considering financial advisors and good ones aren't interested in my sub million portfolio.