Compare Bank & Credit Union Rates
Best savings rates in Oakland, 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 Oakland, CA
- 1st United Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.10%–0.30% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Dividends are paid monthly based on average daily balance. $1,000 minimum balance required.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 – $250,000 0.25% $250,000 – $500,000 0.30% $500,000 and up 0.30% Rate checked
More details - F3 Credit UnionRegular Share AccountSavings · $0 min · 0.00%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Membership application required.
0.00% interest rate · Effective Jan 7, 2026
Rate by balance
Rate by balance for Regular Share Account Balance APY Up to $100 0.00% $100 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · Effective Jan 7, 2026
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 - Provident Credit UnionPremier Money Market AccountPremier Money Market Account · 0.08%–3.40% by balance
Credit union · 1 branch
0.08%APY$8 a year on $10,000with conditionsRequirements
Product: Requires a minimum $1,000/month Direct Deposit to a checking account under the same membership, to begin no later than 90 days from account opening and continue for the life of the account. If direct deposit requirement is not met, earns base rate. Maintain minimum balance of $25,000.
Offer: Base rate earned when $1,000/month direct deposit requirements are not met.
Qualified rate · 0.08% interest rate
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Any balanceYour amount 0.08% $25,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 0.71% $75,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 3.00% $125,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 3.40% 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 - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opened in conjunction with a ScoreUp Credit Builder Loan; funds serve as collateral and become available when the loan is paid in full.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Jan 1, 2020
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Required for membership; Patelco deposits $1 into savings account.
0.05% interest rate · No monthly fee · Effective Jan 1, 2020
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
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: Default/fallback rate when checking account deposit requirement is not met (No).
Qualified rate · 0.05% interest rate · No monthly fee · Effective Mar 1, 2026
Rate checked
More details - Utility District Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Dividends paid monthly. Minimum opening balance must be maintained for the entire term. Early closure fees may reduce earnings.
Offer: Dividends paid monthly. Minimum opening balance must be maintained for the entire term.
0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Open a Primary Savings Account with a minimum deposit of $25.00 (shareholder deposit, returned upon account closure). $5.00 monthly service fee applies to accounts with a combined balance of less than $100.00.
Offer: Accounts with a combined balance of less than $100.00 incur a $5.00 monthly service fee.
$5 monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: A savings account is required to establish ILWU Credit Union membership. Dividends accrue daily and are paid quarterly. Minimum balance of $250 required to earn dividends.
Offer: Minimum balance of $250.00 required to earn dividends.
No monthly fee · Effective May 1, 2020
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Oakland, CA
68 accounts at 23 banks and credit unions · checked Oct 7–22
- Typical
- 0.09%
- Top 10% from
- 2.14%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.10%
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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