Compare Bank & Credit Union Rates
Best savings rates in Sacramento, 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 Sacramento, CA
- First U.S. Community Credit UnionDream SavingsSavings · $100 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Create unlimited number accounts with custom names. Account may be linked to another First U.S. account for overdraft protection.
0.05% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Dream Savings Balance APY $100 – $4,999 0.05% $5,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.10% $100,000 and up 0.10% Rate checked
More details - First U.S. Community Credit UnionPrime SavingsSavings · $100 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Required for First U.S. membership. Account may be linked to another First U.S. account for overdraft protection.
0.05% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Prime Savings Balance APY $100 – $4,999 0.05% $5,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.10% $100,000 and up 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · $10 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $10 is waived with a $5,000 minimum daily balance during that monthly statement cycle.
Offer: Monthly fee waived with $5,000 minimum daily balance.
0.05% interest rate · $10 monthly fee · Effective Aug 20, 2026
Rate by balance
Rate by balance for Banner's Best Savings Balance APY Up to $4,999 0.05% $5,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.15% $100,000 – $249,000 0.35% $250,000 – $999,999 0.35% $1,000,000 and up 0.50% Rate checked
More details - Banner BankMoney Market SavingsMoney Market Savings · $100 min · 0.05%–0.50% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Minors (ages 12-17) are eligible if a parent or guardian (age 18+) is also an account owner. $10 monthly service charge waived with a $1,000 minimum daily balance during the monthly statement cycle.
Offer: Monthly service charge waived with a $1,000 minimum daily balance during that monthly statement cycle.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,499 0.05% $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.15% $100,000 – $999,999 0.35% $1,000,000 and up 0.50% 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 - Sacramento Credit UnionSavings Accounts (All Types)Savings · $300 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.08%APY$8 a year on $10,000Requirements
Product: Savings Account requires $25 to open. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.
Offer: Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors.
0.05% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Savings Accounts (All Types) Balance APY $300 – $999 0.05% $1,000 – $4,999 0.05% $5,000 – $9,999 0.05% $10,000 – $99,999Your amount 0.08% $100,000 and up 0.15% 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: Low-balance monthly service fee of up to $5 is waived if month-end balance equals $5 or more, or for members under age 21, or for active Perfect Cents Savings savers with at least 1 transfer during the month. Dividends paid monthly. Variable rate changes monthly.
Offer: Standard rate. Low-balance monthly fee of up to $5 waived if month-end balance is $5 or more or for members under age 21.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: You-Name-It feature to name account and track specific goals. Low-balance monthly service fee of up to $5 is waived if month-end balance equals $5 or more or for members under age 21. Dividends paid monthly. Variable rate changes monthly.
Offer: Promotional APY does not apply. Low-balance monthly service fee of up to $5 waived if month-end balance equals $5 or more.
0.05% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Primary savings/share account that establishes membership in California Community Credit Union. $1.00 to open the account plus a $1.00 one-time membership fee ($2.00 total minimum deposit).
Offer: Variable rate. Minimum $500.00 balance to earn dividends.
0.05% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: Variable rate. Minimum $500.00 balance to earn dividends.
0.05% interest rate · Effective Sep 30, 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
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 Sacramento, CA
65 accounts at 21 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.06%
- 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
- Travis Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 3 branches