Bank · FDIC insured
Home Bank of California Savings Rates
Top CarrotHome Bank of California’s best savings rate is 1.87% APY on $10,000, with its Personal Super Money Fund. Rates checked October 16, 2026.
How Home Bank of California’s savings rates compare
Compared with banks and credit unions near San Diego, CA, where Home Bank of California has the most branches. $10,000, best rate first.
This bank’s best
Home Bank of California
4.36%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $436
Companion Savings Account
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- 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
Home Bank of California savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.87%
- $10,000 balance$10,0001.87%
- $100,000 balance$100,0002.18%
- QualifiedQualified4.36%
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 Home Bank of California 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.
Companion Savings Account
4.36%APY
Designed to complement a Jumbo CD. Open any Jumbo CD with Home Bank of California and deposit up to the same amount as CD opening balance into Companion Savings Account. Minimum $10,000 opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust open a new Jumbo CD (minimum $10,000 opening deposit) to open a Companion Savings Account. You can deposit up to the principal amount of the CD. Account can remain open even after CD matures or is closed.Any balance | 4.36% | $436 | Must open a new Jumbo CD (minimum $10,000 opening deposit) to open a Companion Savings Account. You can deposit up to the principal amount of the CD. Account can remain open even after CD matures or is closed. |
Sources (3)
All captured Oct 16, 2026
Personal Super Money Fund
1.87%APY
Minimum deposit to open is $1,000. Service charge waived with minimum daily balance of $1,000. Interest earned on entire daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,001Service charge waived with minimum daily balance of $1,000. | 1.87% | $187 | Service charge waived with minimum daily balance of $1,000. |
| $25,001 – $50,001Service charge waived with minimum daily balance of $1,000. | 1.87% | — | Service charge waived with minimum daily balance of $1,000. |
| $50,001 – $75,001Service charge waived with minimum daily balance of $1,000. | 2.18% | — | Service charge waived with minimum daily balance of $1,000. |
| $75,001 and upService charge waived with minimum daily balance of $1,000. | 2.18% | — | Service charge waived with minimum daily balance of $1,000. |
Sources (3)
All captured Oct 6, 2026
Statement Savings
0.30%APY
Service charge waived with minimum daily balance of $300. Express Personal Banking online account opening available. Quarterly service charge may apply. Withdrawals limited to no more than 6 automatic pre-authorized transfers, telephone transfers, online transfers or payments each monthly statement period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upInterest is compounded daily and paid quarterly. Interest earned on entire daily balance. Quarterly service charge may apply.$50 and up | 0.30% | $30 | Interest is compounded daily and paid quarterly. Interest earned on entire daily balance. Quarterly service charge may apply. |
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.