Compare Bank & Credit Union Rates
Best savings rates in Fresno, 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 Fresno, CA
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: No monthly maintenance fee, no minimum balance requirement to earn dividends if qualifications are met, and no cap on dividend earnings. $1,000 minimum required to open account and earn dividends ($100 for members age 23 and under). Requires opening a primary savings account with $5.00 minimum balance for membership. Dividends calculated via daily balance method and credited monthly. APY applied in the following month.
Offer: Tier 2 requirements: Qualifying government or payroll direct deposits totaling at least $5,000 per calendar month and at least 10 qualifying purchase transactions using a Pacific Service CU debit card and/or Visa credit card posting during the same calendar month. Opening deposit of $1,000 required ($100 for age 23 and under).
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 1, 2026
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 - 2.12%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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: No monthly maintenance fee, no minimum balance requirement to earn dividends if qualifications are met, and no cap on dividend earnings. $1,000 minimum required to open account and earn dividends ($100 for members age 23 and under). Requires opening a primary savings account with $5.00 minimum balance for membership. Dividends calculated via daily balance method and credited monthly. APY applied in the following month.
Offer: Tier 1 requirements: Qualifying government or payroll direct deposits totaling at least $2,500 per calendar month and at least 5 qualifying purchase transactions using a Pacific Service CU debit card and/or Visa credit card posting during the same calendar month. Opening deposit of $1,000 required ($100 for age 23 and under).
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 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 · 3 branches
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 - Greater Valley CUMoney MarketMoney Market · $1,000 min · 0.15%–1.26% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: No minimum balance requirement. Dividends paid monthly on balances of $1,000.00 or more. Tiered account where rate depends on daily ending balance.
Offer: $1,000.00 minimum balance requirement to obtain the Annual Percentage Yield.
0.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $2,500 0.15% $2,500 – $10,000 0.50% $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.06% $100,000 and up 1.26% Rate checked
More details - Pacific Service Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.90%–1.75% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: No minimum balance required. Maintain a $2,500 balance to earn dividends and link your account to checking for overdraft protection.
0.90% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $24,999Your amount 0.90% $25,000 – $74,999 1.10% $75,000 – $249,999 1.50% $250,000 and up 1.75% Rate checked
More details - Murphy BankPassbooks / Regular Savings AccountsSavings · $500 min · 0.60%–1.36% by balance
Bank · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Any savings account closed within 90 days of its opening date will be assessed a fee of $25.00.
0.60% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Passbooks / Regular Savings Accounts Balance APY $500 – $9,999 0.60% $10,000 – $24,999Your amount 0.85% $25,000 and up 1.36% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 3 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 - Noble Credit UnionMoney Market Advantage AccountMoney Market Advantage Account · $2,500 min · 0.75%–1.36% by balance
Credit union · 5 branches
0.80%APY$80 a year on $10,000Requirements
Product: Dividends calculated on Average Daily Balance and paid monthly. Unlimited deposits. Variable rate.
0.75% interest rate · No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Advantage Account Balance APY $2,500 and up 0.75% $10,000 and upYour amount 0.80% $50,000 and up 0.80% $100,000 and up 1.36% $500,000 and up 1.36% Rate checked
More details - Noble Credit UnionReverse Money Market AccountReverse Money Market Account · $100 min · 0.50%–6.00% by balance
Credit union · 5 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum withdrawal is $200. Smaller balances earn higher APY.
5.85% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Reverse Money Market Account Balance APY $100 and up 6.00% $2,501 and up 2.25% $5,000 and up 1.00% $7,500 and up 0.75% $10,000 and upYour amount 0.50% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
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
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 Fresno, CA
72 accounts at 23 banks and credit unions · checked Oct 7–22
- Typical
- 0.14%
- Top 10% from
- 1.00%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.20%
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Fresno, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Self-Help Federal Credit UnionCredit union · 1 branch
- CitiBank · 8 branches
- UMB BankBank · 2 branches