Exchange Bank Savings & Money Market Rates

How Exchange Bank’s savings rates compare

Compared with banks and credit unions near Santa Rosa, CA, where Exchange Bank has the most branches. $10,000, best rate first.

This bank’s best
Exchange Bank
0.33%APY
Requires
Another account
Minimum
$1,000
Earns on $10,000 a year
$33
Personal Money Market
Top rate
Redwood Credit Union
4.00%APY
Requires
Monthly account activity
Minimum
$2,500
Earns on $10,000 a year
$400
Redwood Credit Union rates
2nd-highest rate
WaFd Bank
3.82%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$382
WaFd Bank rates

Compare savings rates near you →

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Personal Money Market

Up to 0.33%APYRequirements apply$1,000 to open

Sources (1)

exchangebank.com/personal/savings · captured Oct 16, 2026

Signature Plus Savings

Up to 0.13%APYRequirements apply$500 to open

Monthly maintenance fee is $25, waived for the first two account cycles after opening or when meeting one of the following requirements during the monthly account cycle: average daily ledger account balance of $50,000 or more; combined average daily ledger balance of $50,000 or more in related deposit balances; or maintaining an account relationship with Exchange Bank Trust and Investments. Excessive withdrawal fee of $15 applies per withdrawal over six withdrawals or transfers per monthly cycle.

Sources (3)

All captured Oct 6, 2026

Everyday Savings

Up to 0.13%APYRequirements apply$100 to open

$100 opening min ($0 for CUTMA). No monthly fee. Premier Plus Rewards adds 0.01% Silver, 0.02% Gold, 0.03% Platinum to base rate if combined deposits >= $25k and Premier Plus Checking held.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balancePremier Plus Platinum tier (requires combined deposits >= $25k).Any balance	0.13%	$13	Premier Plus Platinum tier (requires combined deposits >= $25k).
Any balancePremier Plus Gold tier (requires combined deposits >= $25k).Any balance	0.12%	$12	Premier Plus Gold tier (requires combined deposits >= $25k).
Any balancePremier Plus Silver tier (requires combined deposits >= $25k).Any balance	0.11%	$11	Premier Plus Silver tier (requires combined deposits >= $25k).
Any balanceStandard tier.Any balance	0.10%	$10	Standard tier.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

My Cash Savings

Up to 0.13%APYKids and teensRequirements apply

Ages 25 and under; no opening deposit. Premier Plus Rewards adds 0.01% Silver, 0.02% Gold, 0.03% Platinum to base rate if combined deposits >= $25k and Premier Plus Checking held.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balancePremier Plus Platinum tier (requires combined deposits >= $25k).Any balance	0.13%	$13	Premier Plus Platinum tier (requires combined deposits >= $25k).
Any balancePremier Plus Gold tier (requires combined deposits >= $25k).Any balance	0.12%	$12	Premier Plus Gold tier (requires combined deposits >= $25k).
Any balancePremier Plus Silver tier (requires combined deposits >= $25k).Any balance	0.11%	$11	Premier Plus Silver tier (requires combined deposits >= $25k).
Any balanceStandard tier.Any balance	0.10%	$10	Standard tier.

Sources (3)

All captured Oct 16, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details

← Exchange Bank overview

Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $9,999Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.	0.23%	—	Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.
Up to $9,999Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.	0.22%	—	Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.
Up to $9,999Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.	0.21%	—	Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
Up to $9,999	0.20%	—
$10,000 – $49,999Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.	0.33%	$33	Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.
$10,000 – $49,999Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.	0.32%	$32	Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.
$10,000 – $49,999Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.	0.31%	$31	Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
$10,000 – $49,999	0.30%	$30
$50,000 – $99,999Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.	0.38%	—	Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.
$50,000 – $99,999Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.	0.37%	—	Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.
$50,000 – $99,999Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.	0.36%	—	Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
$50,000 – $99,999	0.35%	—
$100,000 and upPremier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.	0.73%	—	Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.
$100,000 and upPremier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.	0.72%	—	Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.
$100,000 and upPremier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.	0.71%	—	Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
$100,000 and up	0.70%	—

Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $24,999Premier Plus Rewards Program Platinum tier for balance of $24,999 or less.	0.13%	$13	Premier Plus Rewards Program Platinum tier for balance of $24,999 or less.
Up to $24,999Premier Plus Rewards Program Gold tier for balance of $24,999 or less.	0.12%	$12	Premier Plus Rewards Program Gold tier for balance of $24,999 or less.
Up to $24,999Standard tier for balance of $24,999 or less.	0.10%	$10	Standard tier for balance of $24,999 or less.
$25,000 – $99,999Premier Plus Rewards Program Platinum tier for balance of $25,000 - $99,999.	0.13%	—	Premier Plus Rewards Program Platinum tier for balance of $25,000 - $99,999.
$25,000 – $99,999Premier Plus Rewards Program Gold tier for balance of $25,000 - $99,999.	0.12%	—	Premier Plus Rewards Program Gold tier for balance of $25,000 - $99,999.
$25,000 – $99,999Premier Plus Rewards Program Silver tier for balance of $25,000 - $99,999.	0.11%	—	Premier Plus Rewards Program Silver tier for balance of $25,000 - $99,999.
$25,000 – $99,999Standard tier for balance of $25,000 - $99,999.	0.10%	—	Standard tier for balance of $25,000 - $99,999.
$100,000 – $249,999Premier Plus Rewards Program Platinum tier for balance of $100,000 - $249,999.	0.18%	—	Premier Plus Rewards Program Platinum tier for balance of $100,000 - $249,999.
$100,000 – $249,999Premier Plus Rewards Program Gold tier for balance of $100,000 - $249,999.	0.17%	—	Premier Plus Rewards Program Gold tier for balance of $100,000 - $249,999.
$100,000 – $249,999Premier Plus Rewards Program Silver tier for balance of $100,000 - $249,999.	0.16%	—	Premier Plus Rewards Program Silver tier for balance of $100,000 - $249,999.
$100,000 – $249,999Standard tier for balance of $100,000 - $249,999.	0.15%	—	Standard tier for balance of $100,000 - $249,999.
$250,000 – $499,999Premier Plus Rewards Program Platinum tier for balance of $250,000 - $499,999.	0.20%	—	Premier Plus Rewards Program Platinum tier for balance of $250,000 - $499,999.
$250,000 – $499,999Premier Plus Rewards Program Gold tier for balance of $250,000 - $499,999.	0.19%	—	Premier Plus Rewards Program Gold tier for balance of $250,000 - $499,999.
$250,000 – $499,999Premier Plus Rewards Program Silver tier for balance of $250,000 - $499,999.	0.18%	—	Premier Plus Rewards Program Silver tier for balance of $250,000 - $499,999.
$250,000 – $499,999Standard tier for balance of $250,000 - $499,999.	0.17%	—	Standard tier for balance of $250,000 - $499,999.
$500,000 – $999,999Premier Plus Rewards Program Gold tier for balance of $500,000 - $999,999.	0.19%	—	Premier Plus Rewards Program Gold tier for balance of $500,000 - $999,999.
$500,000 – $999,999Premier Plus Rewards Program Silver tier for balance of $500,000 - $999,999.	0.18%	—	Premier Plus Rewards Program Silver tier for balance of $500,000 - $999,999.
$500,000 – $999,999Standard tier for balance of $500,000 - $999,999.	0.17%	—	Standard tier for balance of $500,000 - $999,999.
$500,000 – $999,999Effective as of 10/6/2026. Premier Plus Rewards Program: Silver tier adds 0.01% rate reward, Gold adds 0.02%, Platinum adds 0.03%. To qualify for rewards: must have a Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.	0.17%	—	Effective as of 10/6/2026. Premier Plus Rewards Program: Silver tier adds 0.01% rate reward, Gold adds 0.02%, Platinum adds 0.03%. To qualify for rewards: must have a Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
$1,000,000 and upPremier Plus Rewards Program Platinum tier for balance of $1,000,000 or more.	0.23%	—	Premier Plus Rewards Program Platinum tier for balance of $1,000,000 or more.
$1,000,000 and upPremier Plus Rewards Program Gold tier for balance of $1,000,000 or more.	0.22%	—	Premier Plus Rewards Program Gold tier for balance of $1,000,000 or more.
$1,000,000 and upPremier Plus Rewards Program Silver tier for balance of $1,000,000 or more.	0.21%	—	Premier Plus Rewards Program Silver tier for balance of $1,000,000 or more.
$1,000,000 and upStandard tier for balance of $1,000,000 or more.	0.20%	—	Standard tier for balance of $1,000,000 or more.