A structure or arrangement (e.g., a fund) that provides exposure to money market movements. This exposure is reflected in the steady, though low, interest income associated with low liquidity risk. For example, a bank deposit is a money market vehicle that carries a certain rate of return, commensurate with its terms and conditions, while the depositor can draw money from at any time, without a notice or with an instant notice. Therefore, the interest such deposits would pay is very low, if any. On the other hand, time deposits (savings or investment accounts) do not allow the depositor to withdraw money on demand, but rather have a specified maturity or require a notice (e.g., a 30 day notice) before withdrawal. These deposits usually pay interest and are used by their holders as an income-generating investment.

The main types of money market vehicles are money market funds and money market accounts.