Compare Bank & Credit Union Rates
Best savings rates in El Cajon, 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 El Cajon, CA
- East County Schools Federal Credit UnionPlatinum Access Market Share AccountPlatinum Access Market Share Account · $2,500 min · 0.00%–0.60% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Minimum balance to open is $2,500. Minimum withdrawal amount is $300. Unlimited in-branch withdrawals or transfers. No monthly fees. Check access up to 6 per month with free personalized checks. Dividends calculated daily and paid monthly. Can be tied to ATM/Debit Card for ATM access.
Offer: Balance tier < $10,000
0.00% interest rate · No monthly fee · Effective May 1, 2025
Rate by balance
Rate by balance for Platinum Access Market Share Account Balance APY Up to $10,000 0.00% $10,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.35% $50,000 – $99,999 0.45% $100,000 – $225,000 0.50% $225,000 and up 0.60% Rate checked
More details - East County Schools Federal Credit UnionRegular Market Share AccountRegular Market Share Account · $1,000 min · 0.00%–0.50% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Minimum balance to open is $1,000. Minimum withdrawal amount is $300. Unlimited in-branch withdrawals. Share savings dividend rate is received if balance falls below $1,000. Dividends calculated daily and paid monthly.
Offer: Balance tier < $1,000
0.00% interest rate · Effective May 1, 2025
Rate by balance
Rate by balance for Regular Market Share Account Balance APY Up to $1,000 0.00% $1,000 – $2,499 0.00% $2,500 – $9,999 0.05% $10,000 – $24,999Your amount 0.15% $25,000 – $49,999 0.30% $50,000 – $99,999 0.40% $100,000 and up 0.50% 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 - Wheelhouse Credit UnionInspired Share/SavingsSavings · 0.05%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Membership required. No monthly fee. Limited to no more than 6 preauthorized, automatic, online or telephonic transfers/withdrawals per calendar month.
0.05% interest rate · No monthly fee · Effective Apr 17, 2026
Rate by balance
Rate by balance for Inspired Share/Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
Offer: Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.
Compounded daily · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - MyPoint Credit UnionMoney Management AccountSavings · $0 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Offer: Balance: $0.00 - $999.99
0.00% interest rate
Rate by balance
Rate by balance for Money Management Account Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 and up 0.25% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $10 is waived with a $5,000 minimum daily balance during that monthly statement cycle.
Offer: Monthly fee waived with $5,000 minimum daily balance.
0.05% interest rate · $10 monthly fee · Effective Aug 20, 2026
Rate by balance
Rate by balance for Banner's Best Savings Balance APY Up to $4,999 0.05% $5,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.15% $100,000 – $249,000 0.35% $250,000 – $999,999 0.35% $1,000,000 and up 0.50% Rate checked
More details - Banner BankMoney Market SavingsMoney Market Savings · $100 min · 0.05%–0.50% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Minors (ages 12-17) are eligible if a parent or guardian (age 18+) is also an account owner. $10 monthly service charge waived with a $1,000 minimum daily balance during the monthly statement cycle.
Offer: Monthly service charge waived with a $1,000 minimum daily balance during that monthly statement cycle.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,499 0.05% $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.15% $100,000 – $999,999 0.35% $1,000,000 and up 0.50% 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 - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - California Coast Credit UnionMoney Market IndexMoney Market Index · $1,000 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Open with a $1,000 minimum deposit. $10 monthly fee waived with a daily balance of $2,500 or more. Minimum balance of $2,500 required to earn dividends.
Offer: No dividends paid on balances under $2,500.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Index Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.05% $25,000 and up 0.05% Rate checked
More details - California Coast Credit UnionPrimary SavingsSavings · $0 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Open with $0. Balance of $50 or more required to earn dividends. $5 monthly fee is waived if a $50 minimum daily balance is maintained, the member is under 18 years of age, the account has been opened less than 6 months, or the account is an Association Account. $5 one-time membership fee required.
Offer: Under $50 earns no dividends. $5 monthly maintenance fee waived if a $50 minimum daily balance is maintained, member is under 18, account open < 6 months, or Association Account.
0.00% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $50 0.00% $50 and upYour amount$50 or more earns 0.05% APY / Dividend Rate. 0.05% 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 El Cajon, CA
59 accounts at 17 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.05%
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San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches