Compare Bank & Credit Union Rates
Best savings rates in Irvine, CA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Irvine, CA
- Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 1 branch
0.45%APY$45 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 · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Wescom FinancialAsset Maximizer Account (AMA)Asset Maximizer Account (AMA) · $2,500 min · 0.35%–0.85% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Must have a Wescom Wealth Management Service Investment Account with a minimum balance of $10,000 to qualify. Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required.
Offer: Standard Member tier. Requires Wescom Wealth Management Service Investment Account with a minimum balance of $10,000. Minimum balance and opening deposit to obtain APY is $2,500.
Qualified rate · 0.35% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Asset Maximizer Account (AMA) Balance APY $2,500 – $9,999 0.35% $10,000 – $24,999Your amount 0.45% $25,000 – $49,999 0.55% $50,000 – $99,999 0.65% $100,000 – $249,999 0.75% $250,000 and up 0.85% Rate checked
More details - City National BankPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.35%–3.82% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: Tiered interest rates. Unlimited withdrawals or transfers. $20 monthly maintenance fee waived with a $2,500 minimum daily balance. Can provide overdraft protection for City National Bank checking accounts.
Offer: $20 monthly fee waived with a $2,500 minimum daily balance.
0.35% interest rate · $20 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $10,000 0.35% $10,000 – $25,000Your amount 0.35% $25,000 – $5,000,000Introductory rate for new personal deposit clients who open a qualifying checking account and deposit at least $25,000 in new money within 30 days. 3.82% $5,000,000 – $10,000,000 0.80% $10,000,000 and up 0.80% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 2 branches
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 - Wescom FinancialMoney MarketMoney Market · $2,500 min · 0.20%–0.70% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required; $1 deposit to Regular Savings required.
Offer: Platinum Signature Member tier. Minimum opening deposit and minimum balance to obtain APY is $2,500.
0.20% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.20% $10,000 – $24,999Your amount 0.30% $25,000 – $49,999 0.40% $50,000 – $99,999 0.50% $100,000 – $249,999 0.60% $250,000 and up 0.70% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes credit union membership and ownership. Variable rate; dividends compounded monthly and credited monthly.
Offer: A $5.00 minimum balance is required to open and maintain membership.
Compounded monthly
Rate checked
More details - Wescom FinancialMoney MarketMoney Market · $2,500 min · 0.15%–0.65% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required; $1 deposit to Regular Savings required.
Offer: Signature Member tier. Minimum opening deposit and minimum balance to obtain APY is $2,500.
0.15% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.15% $10,000 – $24,999Your amount 0.25% $25,000 – $49,999 0.35% $50,000 – $99,999 0.45% $100,000 – $249,999 0.55% $250,000 and up 0.65% Rate checked
More details - United Business BankU Matter Money Market AccountU Matter Money Market Account · $5,000 min · 0.25%–1.77% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000intro rateRequirements
Product: Available on new money only. Account APY is based on a tiered rate system. Minimum deposit of $5,000 - maximum deposit of $10,000,000 requirement for U Matter Account Specials.
Offer: New money only.
Promotional rate · Effective Jul 23, 2026
Rate by balance
Rate by balance for U Matter Money Market Account Balance APY $1,000 – $10,001Your amount 0.25% $10,001 – $50,001 0.25% $50,001 – $100,000 0.75% $100,000 – $250,000 1.26% $250,000 and up 1.77% Rate checked
More details - Wescom FinancialMoney MarketMoney Market · $2,500 min · 0.10%–0.60% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required; $1 deposit to Regular Savings required.
Offer: Standard Member tier. Minimum opening deposit and minimum balance to obtain APY is $2,500.
0.10% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.30% $50,000 – $99,999 0.40% $100,000 – $249,999 0.50% $250,000 and up 0.60% 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 - Financial Partners Credit UnionMoney Market CheckingMoney Market Checking · $0 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,0000.05% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $4,999 0.05% $5,000 – $24,999Your amount 0.10% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must maintain Membership with a $5 minimum balance. ChexSystems verification required.
Offer: Variable rate account; rate subject to change after account opening.
0.10% interest rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum opening deposit and balance to obtain APY is $1.00 to become a member-owner.
Offer: Minimum opening deposit and balance to obtain APY is $1.00 to become a member-owner.
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Sign up for eStatements, maintain a $250 minimum balance, or open an additional account to avoid a monthly service fee.
Offer: Earn dividends with a $100 minimum balance. $25 opening deposit establishes membership. Monthly service fee waived with eStatements, $250 minimum balance, or additional account.
0.10% interest rate · 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 Irvine, CA
74 accounts at 27 banks and credit unions · checked Oct 7–22
- Typical
- 0.25%
- Top 10% from
- 3.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.25%
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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