Compare Bank & Credit Union Rates
Best savings rates in Fremont, 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 Fremont, CA
- 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 - 4.20%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 - 3.10%APY$310 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 automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).
Qualified rate
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 - Patelco Credit UnionMoney Market PlusMoney Market Plus · $1 min · 2.50%–3.25% by balance
Credit union · 1 branch
2.50%APY$250 a year on $10,000with conditionsRequirements
Product: Rates vary by tier and apply to the full balance. To attain higher rates, account requires a Patelco checking account (opened under the same Member Number) with recurring monthly deposits of $500 or more. If eligibility requirements are not met, account earns a lower default rate of 0.05% APY. New accounts earn tiered rates automatically for opening month and 2 months following. No monthly fee and no minimum balance requirements.
Offer: Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance.
Qualified rate · 2.47% interest rate · No monthly fee · Effective Mar 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $50,000Your amount 2.50% $50,000 – $100,000 2.70% $100,000 – $250,000 3.00% $250,000 and up 3.25% Rate checked
More details - CEFCUInsured Money Market Account (IMMA)Insured Money Market Account (IMMA) · $2,500 min · 2.40%–2.70% by balance
Credit union · 1 branch
2.40%APY$240 a year on $10,000Requirements
Product: Opening deposit and account minimum is $2,500. Balance required to avoid a fee is $2,500. $200 minimum on withdrawals to avoid a fee.
Offer: Tier 1 rate. Balance required to avoid a fee is $2,500.
2.37% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Insured Money Market Account (IMMA) Balance APY $2,500 – $25,000Your amount 2.40% $25,000 – $50,000Tier 2 rate. 2.50% $50,000 – $100,000Tier 3 rate. 2.60% $100,000 and upTier 4 rate. 2.70% Rate checked
More details - 1st United Credit UnionHigh Yield Savings AccountSavings · $2,000 min · 0.30%–3.40% by balance
Credit union · 1 branch
2.20%APY$220 a year on $10,000with conditionsRequirements
Product: Requires a $2,000 minimum opening balance. Qualifications to receive higher tier monthly dividends on average daily balances over $2,000 include combined ACH direct deposits totaling $500 each month to any eligible share account and 15 or more combined debit or credit purchase transactions posted by the last day of the month (ATM and savings debit transactions do not qualify). If qualifications are not met or the minimum daily balance is less than $2,000, the account will earn the lowest dividend tier.
Offer: Earned on balances $0.00 - $1,999.99 or when monthly qualifications / minimum daily balance are not met.
Qualified rate · 0.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Savings Account Balance APY Up to $2,000 0.30% $2,000 – $100,000Your amountRequires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. 2.20% $100,000 – $250,000Requires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. 2.70% $250,000 and upRequires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. 3.40% 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 - 1.65%APY$165 a year on $10,000
Requirements
Product: Optional named savings folders for separate goals; same published rate table as Holiday Saver Account. Rates subject to change daily.
Offer: TIER-1; min. to earn APY $0.01. Shared Holiday Saver schedule.
1.54% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for My Use Account Balance APY Over $0 1.55% $1,000 and upTIER-2; to earn APY $1,000.00. 1.60% $10,000 and upYour amountTIER-3; to earn APY $10,000.00. 1.65% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 2 branches
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 - Provident Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.08%–3.10% by balance
Credit union · 1 branch
0.61%APY$61 a year on $10,000Requirements
Product: $2,500 minimum balance required. Instant liquidity; can be used as an overdraft source for Provident Checking accounts.
0.08% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.08% $10,000 and upYour amount 0.61% $50,000 and up 2.90% $100,000 and up 3.10% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - Technology Credit UnionMoney Market Plus AccountsMoney Market Plus Accounts · $0 min · 0.00%–2.05% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: $0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account. For balances of $50,000 and up, receive a rate boost of 0.10% with a Tech CU Checking Account and direct deposit of a minimum net pay of $100. Direct deposit criteria waived with a private banking relationship.
Offer: $0.01 minimum balance to maintain account. $2,500.00 to earn dividends.
Qualified rate · 0.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Plus Accounts Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.50% $25,000 – $50,000 0.85% $50,000 – $100,000 1.00% $100,000 – $150,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.25% $150,000 – $300,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.50% $300,000 – $500,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.90% $500,000 – $1,000,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.95% $1,000,000 and upDirect deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 2.05% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Available for individual and joint account holders. Businesses, trusts, and other legal entities are not eligible online.
Offer: A minimum balance of $1,000 must be maintained to obtain the advertised APY. A monthly $5.00 paper statement fee applies unless electronic statements are elected.
0.49% interest rate · No 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 Fremont, CA
61 accounts at 17 banks and credit unions · checked Oct 7–22
- Typical
- 0.08%
- Top 10% from
- 2.20%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches