Bank · FDIC insured
First Federal of San Rafael Savings Rates
First Federal of San Rafael’s best savings rate is 0.25% APY on $10,000, with its Spectrum Money Market. Rates checked October 16, 2026.
How First Federal of San Rafael’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where First Federal of San Rafael has the most branches. $10,000, best rate first.
This bank’s best
First Federal of San Rafael
0.25%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $25
Spectrum Money Market
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
First Federal of San Rafael savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.48%
- QualifiedQualified0.25%
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 First Federal of San Rafael ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Spectrum Money Market
0.25%APY
Personal accounts only; business and corporate accounts do not qualify. Tiered variable rate paid on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $100,000 | 0.45% | — |
| $100,000 – $250,000 | 0.48% | — |
| $250,000 – $500,000 | 0.55% | — |
| $500,000 and up | 0.80% | — |
Sources (1)
- ffsavings.com/money-market · captured Sep 25, 2026
Special-purpose accounts
Advantage IRA
Up to 0.75%APY
Dynamic variable-rate savings account tailored for Individual Retirement Accounts (Traditional, Roth, SEP). Interest calculated daily and credited quarterly. Personal accounts only.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upUpper bound of variable rate range (0.50% to 0.75% APY) depending on account balance. Minimum balance requirement of $2,500 to earn APY.$2,500 and up | 0.75% | $75 | Upper bound of variable rate range (0.50% to 0.75% APY) depending on account balance. Minimum balance requirement of $2,500 to earn APY. |
| $2,500 and upLower bound of variable rate range (0.50% to 0.75% APY) depending on account balance. Minimum balance requirement of $2,500 to earn APY.$2,500 and up | 0.50% | $50 | Lower bound of variable rate range (0.50% to 0.75% APY) depending on account balance. Minimum balance requirement of $2,500 to earn APY. |
Sources (1)
- ffsavings.com/retirement-accounts · 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.