The yield on a money market fund adjusts to the current market. You aren’t at the mercy of a bank’s decision to catch up or stay behind.
If you have large accounts with Fidelity, Schwab, TD Ameritrade, E*Trade, or Merrill Edge, you may be able to borrow at a very low interest rate.
Not all brokers are able to automatically deposit dividends to your bank account. See how to do it at one broker.