Credit union · NCUA insured
California Credit Union Savings Rates
Top CarrotCalifornia Credit Union’s best savings rate is 3.65% APY on $10,000, with its Premium Money Market Account - Covina. Rates checked October 16, 2026.
How California Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where California Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
California Credit Union
3.65%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $365
Premium Money Market Account - Covina
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
California Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0003.65%
- $100,000 balance$100,0003.65%
- QualifiedQualified3.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where California Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Money Market Account - Covina
3.65%APY
Exclusively for new members at the Covina Branch; must be opened in-branch. Requires new money or transfer from another financial institution. Excludes business accounts. A minimum daily balance of $2,500 is required to avoid a $5 monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Earn up to 3.65% APY. Requires $2,500 opening deposit of new money and $0.01 minimum daily balance to earn dividends. $5 monthly fee if balance falls below $2,500 on any day of the month. Exclusively for new members at Covina Branch and must be opened in-branch.Over $0 | 3.65% | $365 | Earn up to 3.65% APY. Requires $2,500 opening deposit of new money and $0.01 minimum daily balance to earn dividends. $5 monthly fee if balance falls below $2,500 on any day of the month. Exclusively for new members at Covina Branch and must be opened in-branch. |
Sources (1)
- ccu.com/premium-money-market-account-covina · captured Sep 16, 2026
Premium Money Market Account - Temecula-Murrieta
3.50%APY
Exclusively for new members at the Temecula-Murrieta Branch; must be opened in-branch. Requires new money or transfer from another financial institution. Excludes business accounts. A Share Account with $0.01 Par Value is required to establish membership. A minimum daily balance of $2,500 is required to avoid a $5 monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Earn up to 3.50% APY. Requires $2,500 opening deposit of new money and $0.01 minimum daily balance to earn dividends. $5 monthly fee if balance falls below $2,500 on any day of the month. Exclusively for new members at Temecula-Murrieta Branch and must be opened in-branch. A Share Account with $0.01 Par Value is required to establish membership.Over $0 | 3.50% | $350 | Earn up to 3.50% APY. Requires $2,500 opening deposit of new money and $0.01 minimum daily balance to earn dividends. $5 monthly fee if balance falls below $2,500 on any day of the month. Exclusively for new members at Temecula-Murrieta Branch and must be opened in-branch. A Share Account with $0.01 Par Value is required to establish membership. |
Sources (1)
- ccu.com/premium-money-market-account-temecula-murrieta · captured Sep 16, 2026
Share Savings
0.05%APY
Federally chartered credit union membership requires maintaining a Share Savings, Student Savings, Business Savings, or School Business Savings account with a $0.01 opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100 | 0.00% | — | |
| $100 and upMinimum balance of $100 required to earn dividends/disclosed APY. | 0.05% | $5 | Minimum balance of $100 required to earn dividends/disclosed APY. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Educator Summer Savings
6.50%APY
Exclusively for public and private school employees of qualified California schools. Deposits must be made via direct deposit or payroll deduction and must not exceed $2,000 per month (July 1 - June 30). Balance plus dividends disbursed each July via transfer into a CCU account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100 | 0.00% | — | |
| $100 and upMinimum balance of $100 required to earn dividends/disclosed APY. | 6.50% | $650 | Minimum balance of $100 required to earn dividends/disclosed APY. |
Sources (3)
- ccu.com/bank/personal/savings
- ccu.com/bank/schools-and-educa…/educator-summer-savings
- ccu.com/wp-content/uploads/Edu…g_Ratesheet_07.07.26.pdf
All captured Sep 16, 2026
IRA Savings
0.10%APY
Available as Traditional or Roth IRA. Minimum $50 balance required to earn APY, maintain account, and avoid annual minimum balance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Annual minimum balance fee waived when plan balance is $50 or more. | 0.10% | $10 | Annual minimum balance fee waived when plan balance is $50 or more. |
| $50,000 and upAnnual minimum balance fee waived when plan balance is $50 or more. | 0.15% | — | Annual minimum balance fee waived when plan balance is $50 or more. |
Sources (3)
- ccu.com/bank/personal/iras
- ccu.com/bank/personal/savings
- ccu.com/wp-content/uploads/Con…r_Ratesheet_07.08.26.pdf
All captured Sep 16, 2026
Student Savings
0.05%APY
Designed for students from birth to 25 years old. A parent or legal guardian joint owner is required for students under age 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
HSA Savings
0.00%APY
Available to individuals covered under a qualified high-deductible health plan (HDHP). Minimum opening deposit is $50, and minimum balance to earn dividends is $50.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50 | 0.00% | — |
Sources (3)
- ccu.com/bank/personal/hsa
- ccu.com/bank/personal
- ccu.com/wp-content/uploads/Con…r_Ratesheet_07.08.26.pdf
All captured Sep 16, 2026
Who can join California Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join through a complimentary membership in the American Consumer Council.
Employers and groups
- Membership is open to any employee, retiree (pensioner or annuitant), or unpaid volunteer of a Partner Organization.
Family and household
- Membership is open to any immediate family, spouse, partner, or household member of a California Credit Union member.
Membership information collected October 5, 2026.