Diane, I also have money in Fidelity money market funds. Due to the government guarantee, these are as safe as FDIC-insured bank money market accounts -- at least for the time being.

That being said, you can get better yields from FDIC-insured bank money market accounts.

www.everbank.com yields 4.65% for the first 3 months, then 3.82% APY.

www.countrywide.com yields 3.40% APY ($10K minimum). This is an online account, which can transfer money back into your Fidelity account overnight.

You can check out other offers on www.bankrate.com.

Wendy