Compare Bank & Credit Union Rates
Best savings rates in San Diego, CA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 76–90 results in San Diego, CA
- 0.05%APY$5 a year on $10,000
- 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 - California Coast Credit UnionMoney Market IndexMoney Market Index · $1,000 min · 0.00%–0.05% by balance
Credit union · 10 branches
0.05%APY$5 a year on $10,000Requirements
Product: Open with a $1,000 minimum deposit. $10 monthly fee waived with a daily balance of $2,500 or more. Minimum balance of $2,500 required to earn dividends.
Offer: No dividends paid on balances under $2,500.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Index Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.05% $25,000 and up 0.05% Rate checked
More details - California Coast Credit UnionPrimary SavingsSavings · $0 min · 0.00%–0.05% by balance
Credit union · 10 branches
0.05%APY$5 a year on $10,000Requirements
Product: Open with $0. Balance of $50 or more required to earn dividends. $5 monthly fee is waived if a $50 minimum daily balance is maintained, the member is under 18 years of age, the account has been opened less than 6 months, or the account is an Association Account. $5 one-time membership fee required.
Offer: Under $50 earns no dividends. $5 monthly maintenance fee waived if a $50 minimum daily balance is maintained, member is under 18, account open < 6 months, or Association Account.
0.00% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $50 0.00% $50 and upYour amount$50 or more earns 0.05% APY / Dividend Rate. 0.05% Rate checked
More details - California Coast Credit UnionSmart SavingsSavings · $1,000 min · 0.00%–0.05% by balance
Credit union · 10 branches
0.05%APY$5 a year on $10,000Requirements
Product: $1,000 minimum deposit to open and earn dividends. No monthly maintenance fee. $5 one-time membership fee required.
Offer: Under $1,000 earns no dividends.
0.00% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Smart Savings Balance APY Up to $1,000 0.00% $1,000 and upYour amount$1,000 or more earns 0.05% APY / Dividend Rate. 0.05% Rate checked
More details - California Coast Credit UnionSpecial SavingsSavings · $25 min · 0.00%–0.05% by balance
Credit union · 10 branches
0.05%APY$5 a year on $10,000Requirements
Product: $25 minimum deposit to open. $50 minimum balance to earn dividends. No monthly maintenance fee. $5 one-time membership fee required.
Offer: Under $50 earns no dividends.
0.00% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Special Savings Balance APY Up to $50 0.00% $50 and upYour amount$50 or more earns 0.05% APY / Dividend Rate. 0.05% Rate checked
More details - California Coast Credit UnionMoney Market SavingsMoney Market Savings · $1,000 min · 0.00%–0.05% by balance
Credit union · 10 branches
0.05%APY$5 a year on $10,000Requirements
Product: Open with a $1,000 minimum deposit. No monthly maintenance fee. Minimum balance of $2,500 required to earn dividends.
Offer: No dividends paid on balances under $2,500.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $90,000 0.05% $90,000 – $500,000 0.05% $500,000 and up 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: A $2 monthly paper statement fee applies unless enrolled in eStatements. Dividends are calculated by the daily balance method, compounded and paid monthly.
Offer: No minimum balance required to earn dividends.
0.05% interest rate · Effective Sep 21, 2026
Rate checked
More details - San Diego County Credit UnionMoney MarketMoney Market · $5,000 min · 0.05%–0.20% by balance
Credit union · 15 branches
0.05%APY$5 a year on $10,000Requirements
Product: Membership required: open to anyone living or working in Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties, immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee. Not available for chartered financial institutions or business accounts.
Offer: Must maintain a minimum average daily balance of $100 to earn the APY.
0.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $100 – $5,000 0.05% $5,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.15% $100,000 and up 0.20% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Dedicated account to separate savings for long term goals (e.g. vacation savings, holiday savings). Must maintain a $1 savings balance. Minimum average daily balance of $100 in SDCCU account to earn APY.
Offer: Average daily balance to earn APY: $100.00+.
0.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Must maintain a minimum average daily balance of $1 in SDCCU account to avoid a Primary savings account with less than $1 fee. Minimum average daily balance of $100 to earn APY. All customers are required to open and maintain a primary savings account with a minimum balance of $1.
Offer: Average daily balance to earn APY: $100.00 +.
0.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership required. Also referred to as Regular Savings. Low $25 minimum balance to earn dividends; no minimum opening deposit; no monthly maintenance fees.
0.05% interest rate · No monthly fee · Effective Apr 17, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes membership share and voting right in the credit union. Requires a $5 minimum opening deposit and $5 minimum balance. No monthly maintenance fee, but a $5 monthly low balance fee applies after 12 months of inactivity with an aggregate balance below $50. Fees could reduce earnings.
Offer: Rate applies to all savings balances. Fees could reduce earnings on the account. $5 monthly fee applies after 12 months of inactivity and aggregate balance of less than $50.
0.05% interest rate · No monthly fee · Effective Feb 6, 2026
Rate checked
More details - Columbia BankThrive Money MarketThrive Money Market · $100 min · 0.05%–0.15% by balance
Bank · 3 branches
0.05%APY$5 a year on $10,000Requirements
Product: $10 monthly maintenance fee, waived with a $1,000 minimum daily balance or link to a checking account (up to 3 complimentary accounts linked to Access Checking, or up to 5 complimentary accounts linked to Pinnacle Checking). Available for online account origination. Interest rate and APY may change after opening.
Offer: The interest rate and annual percentage yield may change after account opening. Available for online account origination.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Thrive Money Market Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 – $250,000 0.10% $250,000 and up 0.15% Rate checked
More details - Columbia BankProsper Money MarketProsper Money Market · $100 min · 0.05%–1.00% by balance
Bank · 3 branches
0.05%APY$5 a year on $10,000Requirements
Product: $15 Monthly maintenance fee; or $0 with a $10,000 minimum daily balance; or $25,000 combined balance. $100 minimum to open. Available for online account origination. Interest rate and APY may change after account opening.
Offer: The interest rate and annual percentage yield may change after account opening. Available for online account origination.
0.05% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Prosper Money Market Balance APY Up to $2,500 0.05% $2,500 – $5,000 0.05% $5,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.30% $250,000 – $500,000 0.50% $500,000 – $1,000,000 0.75% $1,000,000 and up 1.00% 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 San Diego, CA
123 accounts at 40 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 3.02%
- Banks, typical
- 0.12%
- Credit unions, typical
- 0.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches