Bank · FDIC insured
Summit State Bank Savings Rates
Summit State Bank’s best savings rate is 0.35% APY on $10,000, with its Personal Money Market. Rates checked October 16, 2026.
How Summit State Bank’s savings rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Summit State Bank has the most branches. $10,000, best rate first.
This bank’s best
Summit State Bank
0.35%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $35
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
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Summit State Bank savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.35%
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 Summit State Bank 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.
Personal Savings
0.10%APY
$2.00 minimum balance fee if monthly average balance falls below $200.00. Interest-bearing, paid monthly on balances over $200.00. Link as overdraft protection.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Under $200. $2.00 minimum balance fee if monthly average balance falls below $200.00. | 0.00% | — | Under $200. $2.00 minimum balance fee if monthly average balance falls below $200.00. |
| $200 – $25,000$2.00 minimum balance fee if monthly average balance falls below $200.00. | 0.10% | $10 | $2.00 minimum balance fee if monthly average balance falls below $200.00. |
| $25,000 and up$2.00 minimum balance fee if monthly average balance falls below $200.00. | 0.40% | — | $2.00 minimum balance fee if monthly average balance falls below $200.00. |
Sources (2)
All captured Sep 16, 2026
Personal Money Market
Up to 0.35%APY
Must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates are subject to change after the account is opened. Fees could reduce earnings on the account. APY is subject to change without prior notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUnder $2,500 | 0.00% | $0 | Under $2,500 |
| $2,500 and up$2,500 and above | 0.35% | $35 | $2,500 and above |
Sources (3)
- summitstatebank.com/personal-checking.php
- summitstatebank.com/personal-savings.php
- summitstatebank.com/rates.php
All captured Sep 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.