Compare Bank & Credit Union Rates
Best savings rates in Bakersfield, CA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Bakersfield, CA
- Valley Strong Credit UnionRelationship Money MarketRelationship Money Market · $2,500 min
Credit union · 14 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Must maintain both business and consumer share savings and checking to qualify for relationship pricing on consumer and business money market products. $2,500 minimum deposit of new funds required for Consumer Checking and Consumer Money Market and must be maintained to earn the promotional APY. Variable rates; fees may reduce earnings.
Offer: Pricing for San Joaquin and Solano County. Must maintain both business and consumer share savings and checking. $2,500 minimum deposit of new funds required for Consumer Checking and Consumer Money Market and must be maintained.
Qualified rate · 3.20% interest rate · Effective Aug 1, 2026
Rate checked
More details - Chevron Federal Credit UnionMarketEdge Money Market SavingsMarketEdge Money Market Savings · $0 min · 0.75%–3.25% by balance
Credit union · 1 branch
3.15%APY$315 a year on $10,000Requirements
Product: High-yield savings account with checks and debit card convenience. No term restrictions. Balances below $2,500 earn regular Primary Share Savings rate. Requires maintaining $25 minimum balance in Primary Share Savings account.
Offer: Balances below $2,500 earn regular Primary Share Savings dividend rate.
0.75% interest rate · No monthly fee
Rate by balance
Rate by balance for MarketEdge Money Market Savings Balance APY Up to $2,500 0.75% $2,500 – $10,000 3.15% $10,000 – $25,000Your amount 3.15% $25,000 – $50,000 3.25% $50,000 – $100,000 3.25% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - Valley Strong Credit UnionRelationship Money MarketRelationship Money Market · $2,500 min
Credit union · 14 branches
2.40%APY$240 a year on $10,000with conditionsRequirements
Product: Must maintain both business and consumer share savings and checking to qualify for relationship pricing on consumer and business money market products. $2,500 minimum deposit of new funds required for Consumer Checking and Consumer Money Market and must be maintained to earn the promotional APY. Variable rates; fees may reduce earnings.
Offer: Pricing for Kern, Kings, and Tulare Counties. Must maintain both business and consumer share savings and checking. $2,500 minimum deposit of new funds required for Consumer Checking and Consumer Money Market and must be maintained.
Qualified rate · 2.37% interest rate · Effective Aug 1, 2026
Rate checked
More details - 2.12%APY$212 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
Offer: Variable rate. Member must maintain $5 par value. $5 monthly below-balance fee waived with a daily balance of $500 or more.
2.10% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Valley Strong Credit UnionPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Credit union · 14 branches
2.05%APY$205 a year on $10,000Requirements
Product: Valley Strong Membership is required. Variable rate account. Fees may reduce earnings.
Offer: Minimum deposit of $2,500 required and must be maintained to earn the promotional APY. Valley Strong Membership required.
2.03% interest rate · Effective Mar 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: All dividends are compounded monthly. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers; end-of-day balance determines the tier. There is no minimum balance requirement to obtain the APY.
0.05% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 – $500,000 2.50% $500,000 and up 3.50% Rate checked
More details - Safe 1 Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.00%–3.25% by balance
Credit union · 5 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Minimum balance $2,500. $2,500 minimum opening deposit. $2,500 minimum required to earn dividends. Dividends paid monthly. Rates are variable.
Offer: RELATIONSHIP REWARDS! tier.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $9,999 1.00% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.00% $50,000 – $99,999 1.75% $100,000 – $249,999 2.25% $250,000 and up 3.25% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Requires maintaining a minimum balance of $25.00 in Primary Share Savings to keep membership active and maintain other accounts. Accounts may be designated as Individual, Joint, Uniform Transfer to Minors Act (UTMA), and Trust.
Offer: Dividends are compounded daily and credited monthly. Minimum balance of $25 required to maintain account and earn dividends.
0.75% interest rate · Compounded daily
Rate checked
More details - Safe 1 Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.50%–2.25% by balance
Credit union · 5 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Minimum balance $2,500. $2,500 minimum opening deposit. $2,500 minimum required to earn dividends. Dividends paid monthly. Rates are variable.
Offer: Standard rate tier. Minimum $2,500 required to earn dividends.
Qualified rate · 0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 0.50% $25,000 – $49,999 0.50% $50,000 – $99,999 0.75% $100,000 – $249,999 1.25% $250,000 and up 2.25% Rate checked
More details - Energy One Federal Credit UnionPremier One Money MarketPremier One Money Market · $5,000 min · 0.50%–2.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Designed for higher balances with top dividend tiers. Monthly dividend compounding. Limited to six withdrawals per month.
Offer: Tier 1
Effective Jun 9, 2026
Rate by balance
Rate by balance for Premier One Money Market Balance APY $5,000 and upYour amount 0.50% $20,000 and upTier 2 0.60% $30,000 and upTier 3 0.75% $50,000 and upTier 4 0.80% $100,000 and upTier 5 1.00% $250,000 and upTier 6 2.00% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
0.30% interest rate · Effective Oct 1, 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 Bakersfield, CA
48 accounts at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.07%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.30%
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Bakersfield, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Desert Valleys Federal Credit UnionCredit union · 1 branch
- Firefighters First Credit UnionCredit union · 1 branch
- Self-Help Federal Credit UnionCredit union · 2 branches