Compare Bank & Credit Union Rates
Best savings rates in Cerritos, 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 Cerritos, CA
- 3.60%APY$360 a year on $10,000
Requirements
Product: Individual account. An interest bearing product with a variety of tiered rates. Compound monthly, credit monthly. Surcharge free withdrawals at EverTrust Bank ATMs and participating STARsf ATMs.
Offer: A service charge balance requirement fee of $25.00 will be imposed every statement cycle if the daily balance on any day of the statement cycle falls below $5,000.00. Must maintain a minimum daily balance of $0.01 but not exceeding $4,999.99 to obtain APY.
$25 monthly fee · Effective Jan 5, 2026
Rate by balance
Rate by balance for Smart Saver Savings Balance APY Up to $5,000 0.50% $5,000 and upYour amount 3.60% 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 - 2.90%APY$290 a year on $10,000
Requirements
Product: May be opened in-branch or online. Variable-rate account; interest rate may change after account is opened. $5.00 Monthly Maintenance Fee can be avoided by maintaining an open Icon Checking Account or having an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
Offer: Variable-rate account. Avoid the $5.00 monthly fee with an open Icon Checking Account or an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
$5 monthly fee · Effective Oct 5, 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 - SchoolsFirst FCULiquid Advantage Money MarketLiquid Advantage Money Market · $2,000 min · 0.75%–1.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Offer: Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open.
0.75% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Liquid Advantage Money Market Balance APY $2,000 – $10,000 0.75% $10,000 – $100,000Your amount 1.00% $100,000 and up 1.50% 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: Individual account. Variable tiered rate, compound monthly, credit monthly. Surcharge free withdrawals at EverTrust Bank ATMs and participating STARsf ATMs. Rates for California Residents Only.
Offer: Minimum daily balance to avoid $10 monthly maintenance charge is $3,000. Interest compounds monthly and credits monthly. Fees can reduce earnings.
0.00% interest rate · $10 monthly fee · Effective Jan 21, 2025
Rate by balance
Rate by balance for Hi-Yield Savings Balance APY Up to $3,000 0.00% $3,000 – $10,000 0.50% $10,000 – $50,000Your amount 0.75% $50,000 – $100,000 1.00% $100,000 – $250,000 1.25% $250,000 – $500,000 1.50% $500,000 – $1,000,000 1.75% $1,000,000 and up 2.00% Rate checked
More details - Los Angeles Federal Credit UnionOnline Money MarketOnline Money Market · $2,500 min · 0.65%–0.90% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000with conditionsRequirements
Product: Requires $2,500 minimum opening deposit. Fee applies if daily balance falls below $2,500. To qualify: (a) open and maintain a LAFCU Checking account (or Free Checking / Second Chance Checking) with any combination of 5 debit transactions per calendar month (ATM, ACH, debit card POS/debit, Bill Pay, or share draft checks); (b) receive monthly LAFCU Online Statements; (c) maintain a minimum balance of $2,500. If requirements are not maintained, account changes back to Regular Money Market Account for the quarterly dividend period.
Qualified rate · 0.65% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Online Money Market Balance APY $2,500 – $9,999 0.65% $10,000 – $24,999Your amount 0.70% $25,000 – $49,999 0.75% $50,000 – $99,999 0.80% $100,000 – $249,999 0.85% $250,000 and up 0.90% Rate checked
More details - Los Angeles Federal Credit UnionRegular Money MarketRegular Money Market · $2,500 min · 0.65%–0.90% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Requires a $2,500 minimum opening deposit. A fee applies if the daily balance falls below $2,500.
0.65% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Regular Money Market Balance APY $2,500 – $9,999 0.65% $10,000 – $24,999Your amount 0.70% $25,000 – $49,999 0.75% $50,000 – $99,999 0.80% $100,000 – $249,999 0.85% $250,000 and up 0.90% Rate checked
More details - 0.70%APY$70 a year on $10,000
Requirements
Product: Five rate tiers; earn more based on deposit level. No term restrictions. Dividend rate and APY are paid on the entire balance in the account. Dividend rate and APY may change at any time without notice. Funds insured to at least $250,000.
Offer: Balance Below $2,500. Anticipated Dividend Rate 0.10%, Anticipated APY 0.10%. Dividend rate and APY are paid on the entire balance in the account.
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Any balance 0.10% $2,500 – $24,999Your amountAnticipated Dividend Rate 0.70%, Anticipated APY 0.70%. 0.70% $25,000 – $49,999Anticipated Dividend Rate 0.80%, Anticipated APY 0.80%. 0.80% $50,000 – $99,999Anticipated Dividend Rate 0.90%, Anticipated APY 0.90%. 0.90% $100,000 and upAnticipated Dividend Rate 1.29%, Anticipated APY 1.30%. 1.30% Rate checked
More details - POPA Federal Credit UnionMoney Market SavingsMoney Market Savings · $50 min · 0.35%–0.95% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: No monthly minimum balance fee. $50.00 minimum deposit to open account. Balances below $50.00 do not earn dividends for each day it remains below the minimum. Rates are variable and subject to change monthly. Maximum of six electronic transfers and/or withdrawals per calendar month.
Offer: Balances below $50.00 do not earn dividends.
0.35% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $10,000 0.35% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.75% $100,000 and up 0.95% Rate checked
More details - 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 - State Bank of India (California)Hi Yield Advantage Savings - Personal OnlySavings · $500 min · 0.15%–0.35% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Personal accounts only. Minimum opening deposit of $500.
Offer: Savings Balance Tier 1.
0.15% interest rate
Rate by balance
Rate by balance for Hi Yield Advantage Savings - Personal Only Balance APY $500 – $5,000 0.15% $5,000 – $10,000Savings Balance Tier 2. 0.25% $10,000 – $100,000Your amountSavings Balance Tier 3. 0.30% Over $100,000Savings Balance Tier 4. 0.35% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Basic deposit account earning variable interest with accessible funds. $10 monthly maintenance fee waived with $100 minimum daily balance.
Offer: Requires a minimum opening balance of $100.00 and a balance of $100.00 to obtain the interest rate and APY. $10 monthly fee waived when maintaining a minimum daily balance of $100.
0.30% interest rate · $10 monthly fee
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 Cerritos, CA
46 accounts at 14 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.50%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.10%
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Los Angeles, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches
- Downey Federal Credit UnionCredit union · 2 branches