When it comes to earning money in a bank account and you're trying to decide between a CD account or a Money Market Account the CD account would be the best option.
Although Money Market Accounts can also earn you a good interest rate on your money the CD actually earns you more interest on your money that you put into your CD account.
Also with the CD account your money is insured by the FDIC unlike with a Money Market Account where your money is not insured at all.
So if the bank "where your money market account is and your money" were to fail then you could lose your money.
But with a CD account your money is insured and you do earn more money through the CD account than a Money Market Account.
I have both a money market account and a CD and I earn more money through the CD account than I do with the money market account.
But I'm still earning money on the money market account as well so I keep both.
So having both a money market account and a CD can be a good thing as you can earn double the money instead of having just one or the other.