Compare Bank & Credit Union Rates
Best savings rates in Roseville, 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 Roseville, CA
- 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 - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.90%APY$290 a year on $10,000
Requirements
Product: May be opened in-branch or online. Variable-rate account; interest rate may change after account is opened. $5.00 Monthly Maintenance Fee can be avoided by maintaining an open Icon Checking Account or having an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
Offer: Variable-rate account. Avoid the $5.00 monthly fee with an open Icon Checking Account or an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
$5 monthly fee · Effective Oct 5, 2026
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 - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000intro rateRequirements
Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
Promotional rate · 0.05% interest rate
Rate by balance
Rate by balance for Thrive Money Market Special Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.60% $250,000 and up 2.60% 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 - Firefighters First Credit UnionMoney MarketMoney Market · $0 min · 0.05%–1.75% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Variable-rate tiered account. Dividends are compounded and credited monthly. Rate will never fall below the regular savings account dividend rate as long as a $2,500 minimum balance is maintained.
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 1.60% $50,000 – $75,000 1.65% $75,000 – $100,000 1.70% $100,000 and up 1.75% Rate checked
More details - Sacramento Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–3.51% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Money Market requires $2,500 to open. Dividends are compounded and credited monthly. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Fees may reduce earnings.
0.15% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.15% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.00% $50,000 – $99,999 1.76% $100,000 – $249,999 2.02% $250,000 – $499,999 2.50% $500,000 and up 3.51% Rate checked
More details - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 2 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 - SchoolsFirst FCULiquid Advantage Money MarketLiquid Advantage Money Market · $2,000 min · 0.75%–1.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Offer: Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open.
0.75% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Liquid Advantage Money Market Balance APY $2,000 – $10,000 0.75% $10,000 – $100,000Your amount 1.00% $100,000 and up 1.50% Rate checked
More details - SAFE Credit UnionLevel Up Money MarketLevel Up Money Market · $25 min · 0.85%–2.22% by balance
Credit union · 2 branches
0.85%APY$85 a year on $10,000Requirements
Product: Earns highest dividend rate for which daily balance qualifies on entire account balance. Dividends paid monthly. Variable rate changes monthly.
Offer: Tier: under $10,000. Earns highest dividend rate for which daily balance qualifies on entire account balance.
0.85% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Level Up Money Market Balance APY Up to $10,000 0.85% $10,000 – $25,000Your amount 0.85% $25,000 – $50,000 1.36% $50,000 – $100,000 1.61% $100,000 – $250,000 1.87% $250,000 and up 2.22% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
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
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 Roseville, CA
71 accounts at 21 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.10%
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Sacramento, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
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