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 16–30 results in Bakersfield, CA
- BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - Energy One Federal Credit UnionStandard Money MarketStandard Money Market · $2,500 min
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: A flexible option for members with moderate balances. Monthly dividend compounding. Limited to six withdrawals per month.
Offer: Tier 1–4
Balance cap $250,000 · Effective Jun 9, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Open to Energy One members. Maintain a $100 daily balance to earn quarterly dividends. A $2 monthly service fee applies if balance drops below $100 at any time during the month and member has no other loans or accounts. ATM access included (restrictions may apply).
Offer: Quarterly compounding; requires $100 daily balance to earn dividends. $2 monthly fee waived if balance stays at or above $100 or member has other loans/accounts.
$2 monthly fee · Effective Jun 9, 2026
Rate checked
More details - AltaOne Federal Credit UnionTraditional Money MarketTraditional Money Market · $2,500 min · 0.20%–0.25% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Must have a balance of $2,500 to open and maintain the account and to obtain the disclosed APY. Dividends calculated daily, compounded and paid monthly. Variable rate account. Maximum funding limit of up to $10,000 combined (including savings and checking deposits) when opening online; debit/credit card max $300, ACH max $10,000. Transfers/withdrawals limited to a combined total of six (6) transactions per calendar month under Regulation D.
Offer: Must have a balance of $2,500 to open and maintain the account and to obtain the disclosed APY. Dividends calculated daily, compounded and paid monthly. Variable rate account.
0.20% interest rate
Rate by balance
Rate by balance for Traditional Money Market Balance APY $2,500 – $9,999 0.20% $10,000 – $249,999Your amount 0.25% Rate checked
More details - Valley Strong Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.15%–0.80% by balance
Credit union · 14 branches
0.25%APY$25 a year on $10,000Requirements
Product: Valley Strong Membership is required. Rates are variable and may change after the account is opened. Fees may reduce earnings.
0.15% interest rate · No monthly fee · Effective May 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.15% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.35% $100,000 – $250,000 0.40% $250,000 – $500,000 0.55% $500,000 and up 0.80% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived 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: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - Strata Credit UnionMoney MarketMoney Market · $2,500 min · 0.00%–0.25% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. Minimum opening deposit is $2,500.00. Membership is open to those who live, work, or attend an educational or religious institution in Kern County.
Offer: A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. No dividends earned on balances under $1.00.
0.00% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1 0.00% Up to $2,499 0.05% $2,500 – $9,999 0.05% $10,000 – $49,000Your amount 0.10% $50,000 – $99,999 0.15% $100,000 and up 0.25% Rate checked
More details - Golden 1 Credit UnionGrowth Savings AccountSavings · $0 min · 0.10%–4.00% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the APY.
3.93% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Savings Account Balance APY Up to $1,000 4.00% $1,000 – $2,000APY range stated as 3.50%-4.00% (blended). 3.00%* $2,000 – $5,000APY range stated as 2.15%-3.50% (blended). 1.25%* Over $5,000Your amountAPY range stated as 0.10%-2.15% (blended). 0.10%* Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends are computed on the daily balance and posted quarterly.
0.10% interest rate
Rate checked
More details - 0.09%APY$9 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived 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: Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
Rate checked
More details - 0.06%APY$6 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived 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: Citi Priority relationship tier (requires $30,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citi Priority tier.
Qualified rate · 0.06% interest rate · $4.50 monthly fee
Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 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