Compare Bank & Credit Union Rates
Best savings rates in California
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in California
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.
Offer: Includes base rate (3.50% APY) plus +0.50% APY for opening a Woori America Bank Checking Account with monthly ACH deposits of at least $100, +0.50% APY for paperless eStatements, and +0.50% APY for opening a Woori America Bank Credit Card and linking checking account for payments (subject to credit approval).
Qualified rate · Balance cap $15,000 · Effective Apr 29, 2026
Rate checked
More details - 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Part of Axos ONE checking and savings bundle. No monthly maintenance fees, opening fees, minimum balance requirements, or overdraft fees. Includes limited-time 0.79% APY Boost offer for new customers who open a new bundle between 10/01/2026 and 10/31/2026.
Offer: Limited-time APY Boost for eligible new customers opening a new Axos ONE bundle between 10/01/2026 and 10/31/2026. Earns 0.79% APY Boost (total 5.00% APY) for first 6 statement cycles on balances up to $49,999.99 when meeting Option 1 or Option 2 qualification requirements on linked Axos ONE Checking and maintaining average daily savings balance <= $249,999.99.
Qualified rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Axos ONE Savings Balance APY Up to $50,000Your amount 5.00% $50,000 – $100,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $100,000 – $150,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $150,000 – $200,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $200,000 – $250,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $250,000 – $500,000Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $500,000 – $750,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $750,000 – $1,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $1,000,000 – $2,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $2,000,000 – $3,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $3,000,000 and upBoosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% Rate checked
More details - 4.50%APY$450 a year on $10,000with conditions
Requirements
Product: Available to new members age 18 or older (considered a new member for 30 calendar days following account opening). Must be accessed through online or mobile banking.
Offer: To earn 4.50% APY: enroll in eStatements, maintain an active Nuvision Checking Account (requires at least 10 qualifying debit card transactions during calendar month), and log in to online or mobile banking at least once during prior calendar month.
Qualified rate · No monthly fee · Effective Apr 30, 2026
Rate by balance
Rate by balance for Digital Savings Balance APY Up to $25,000Your amount 4.50% $25,000 and up 0.10% Rate checked
More details - 4.40%APY$440 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: Promotional APY Boost: New SoFi Checking and Savings members receive a 1.10% APY boost to the current Savings APY of 3.30% for up to 6 months by opening an account between 9/3/2026 and 12/31/2027 and receiving an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 days. Limited to one SoFi Savings account; cannot be combined with SoFi Plus 4.70% APY.
Qualified rate · No monthly fee · Effective Oct 20, 2026
Rate checked
More details - 4.40%APY$440 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Relationship APY when eligibility requirements are met.
Qualified rate
Rate checked
More details - 4.36%APY$436 a year on $10,000with conditions
Requirements
Product: 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.
Offer: 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.
Qualified rate · 4.28% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.35%APY$435 a year on $10,000intro rate
Requirements
Product: Promotional rate available on eligible new money deposited from October 1 through December 31, 2026. Existing balance baseline as of September 30, 2026 earns the standard APY. New money refers to funds not currently held at SF Fire Credit Union or funds held in another SF Fire account for 30 days or less. Active and retired Fire Department employees qualify for a 0.25% promotional rate bump on new money (4.60% APY) and a 0.10% bump on standard balance.
Offer: Applies to eligible new money deposited October 1 through December 31, 2026 (above the September 30, 2026 baseline for existing accounts). Beginning January 1, 2027, balances earn the then-current standard APY. Active and retired Fire Department employees qualify for a 0.25% rate bump to 4.60% APY.
Promotional rate · 4.26% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 4.21%APY$421 a year on $10,000with conditions
Requirements
Product: Part of Axos ONE checking and savings bundle. No monthly maintenance fees, opening fees, minimum balance requirements, or overdraft fees. Includes limited-time 0.79% APY Boost offer for new customers who open a new bundle between 10/01/2026 and 10/31/2026.
Offer: Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid.
Qualified rate · 4.12% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Axos ONE Savings Balance APY Up to $50,000Your amount 4.21% $50,000 – $100,000Standard base rate when promotional qualification criteria are not met. 1.00% $100,000 – $150,000Standard base rate when promotional qualification criteria are not met. 1.00% $150,000 – $200,000Standard base rate when promotional qualification criteria are not met. 1.00% $200,000 – $250,000Standard base rate when promotional qualification criteria are not met. 1.00% $250,000 – $500,000Standard base rate when promotional qualification criteria are not met. 1.00% $500,000 – $750,000Standard base rate when promotional qualification criteria are not met. 1.00% $750,000 – $1,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $1,000,000 – $2,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $2,000,000 – $3,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $3,000,000 and upStandard base rate when promotional qualification criteria are not met. 1.00% Rate checked
More details - 4.20%APY$420 a year on $10,000intro rate
Requirements
Product: Available exclusively online and by phone; not available to open through financial centers. Variable rate account, APY may change without notice.
Offer: APY is for new accounts only and may not apply to existing accounts. Variable rate. Fees may reduce earnings. Interest compounded daily.
Promotional rate · Compounded daily · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - 4.15%APY$415 a year on $10,000
4.07% interest rate · Effective Oct 16, 2026
Rate checked
More details - Skyla Credit UnionPurpose Savings AccountSavings · $25 min · 0.10%–5.00% by balance
Credit union · 1 branch
4.01%APY$401 a year on $10,000Requirements
Product: Tiered rate savings account. To qualify for higher dividend rates/APYs, member must deposit at least $25.00 per month and enroll in e-statements (otherwise a $2/month paper statement fee applies). Non-qualifying accounts earn 0.10% dividend rate / 0.10% APY across the entire balance. Each qualifying dividend rate applies to the portion of the daily balance within each tier. Limit of one Purpose Savings account per primary member. Dividends compounded and credited monthly. No monthly maintenance fee; includes 6 fee-free foreign ATM withdrawals per month.
Offer: Tier 1 rate for qualifying accounts. Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly.
4.89% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Purpose Savings Account Balance APY Up to $1,000 5.00% $1,000 – $10,000Your amountEarns 3.928% dividend rate / 4.10% - 5.00% blended APY (promotional copy cites 4.00% APY). 4.01%* Over $10,000Earns 0.10% dividend rate / 0.50% - 4.10% blended APY (promotional copy cites .10 APY). 0.10%* Rate checked
More details - 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Special savings account automatically opened with QuickPay or enrolled via Paycheck Perks. Requires member in good standing. Tiered rates based on cumulative monthly direct deposits. Balances over $100,000 earn Regular Savings APY. Introductory offer applies for 5 consecutive months to new money. Variable-rate account.
Offer: Introductory rate for the first 5 consecutive months from account opening on new money. Requires checking account and cumulative monthly direct deposits of $2,500 or more. No balance cap during introductory period.
Qualified rate · 3.93% interest rate · Effective Oct 16, 2026
Rate checked
More details - AdelFi Christian BankingHigh-Yield Money MarketHigh-Yield Money Market · $1,000 min
Credit union · 1 branch
4.00%APY$400 a year on $10,000Requirements
Product: Must be at least 18 years old. Limit one per member. Available to new and existing AdelFi members beginning 10/16/2026. Minimum opening deposit of $1,000 in new money. Six withdrawals permitted each month without fee ($6 fee per withdrawal exceeding six). No monthly maintenance fee.
Offer: Requires minimum opening deposit of $1,000 in new money and minimum daily balance of $1,000 to earn advertised APY. Portions exceeding $100,000 earn the AdelFi Savings Account dividend rate (0.10%), resulting in a blended APY.
3.92% interest rate · Balance cap $100,000 · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in California
790 accounts at 288 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.41%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.20%
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California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches