AmTrust Direct and My Banking Direct both pay 1.15% APY, which is one-tenth of a percentage point more than the best nationally available savings deal.

If you open a new savings account or money market account at Flagstar Bank, your rate is guaranteed for four months.

The best CD rates fell by about 20% in 2011. Amazingly, the top nationally available money market account fared even worse.

Incrediblebank has cut its money market rates, dropping the online division of Wisconsin’s River Valley Bank from the top spot among nationally available deals.

After money market rate cuts in recent weeks, only four banks are paying 1% APY or more for money market accounts that are available nationwide.

Coastal Community and Teachers Credit Union in Corpus Christi, Texas is offering a top money market account for savers who can deposit more than $25,000.

Incrediblebank pays 1.18% APY on balances between $2,500 and $249,999.

As banks and credit unions continue to cut, cut, cut CD rates, the nation’s top MMA rates have remained unchanged.

It’s a rare occurrence these days — a major brick-and-mortar bank paying competitive rates on money market accounts.