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 91–105 results in San Diego, CA
- First Citizens BankMoney Market AccountMoney Market Account · $500 min · 0.05%–0.15% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Interest rates for money market savings accounts may vary depending on your area.
Offer: Maintain a $1,000 daily balance to avoid a $10 maintenance fee.
$10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.05% $1,000 – $9,999 0.05% $10,000 – $24,999Your amount 0.05% $25,000 – $49,999 0.07% $50,000 – $99,999 0.07% $100,000 – $499,999 0.10% $500,000 and up 0.15% Rate checked
More details - California Credit UnionShare SavingsSavings · $0 min · 0.00%–0.05% by balance
Credit union · 4 branches
0.05%APY$5 a year on $10,000Requirements
Product: Federally chartered credit union membership requires maintaining a Share Savings, Student Savings, Business Savings, or School Business Savings account with a $0.01 opening deposit.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Share Savings Balance APY Up to $100 0.00% $100 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · No monthly fee · Effective Jun 2, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · Effective Jun 2, 2026
Rate checked
More details - Wheelhouse Credit UnionMoney MarketMoney Market · $1,000 min · 0.05%–0.10% by balance
Credit union · 3 branches
0.05%APY$5 a year on $10,0000.05% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $90,000 0.10% $90,000 and up 0.10% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 3 branches
0.04%APY$4 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account.
Qualified rate · 0.04% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.04% $10,000 – $25,000Your amount 0.04% $25,000 – $50,000 0.04% $50,000 – $100,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.04% $250,000 – $500,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.03%APY$3 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: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
Qualified rate · 0.03% interest rate · $4.50 monthly fee
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
Offer: Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Citizens Private Client® Money Market Balance APY Up to $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $49,999 3.50% $50,000 – $99,999 3.50% $100,000 – $249,999 3.50% $250,000 – $499,999 3.50% $500,000 – $999,999 3.50% $1,000,000 – $2,999,999 3.50% $3,000,000 and up 3.50% Rate checked
More details - Mission Fed Credit UnionMoney MarketMoney Market · $2,500 min · 0.03%–0.05% by balance
Credit union · 13 branches
0.03%APY$3 a year on $10,000Requirements
Product: Must meet membership and account criteria. Average daily balance requirement of $2,500; no dividends are earned on balances less than $2,500.
Offer: No dividends earned on balances less than $2,500.
0.03% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $49,999Your amount 0.03% $50,000 and up 0.05% Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Must meet membership and account criteria. Limit 7 Standard Savings per member. Can be used for Checking or spending overdraft protection.
Offer: Any Balance. No monthly fee or minimum balance requirements, other fees may apply.
0.03% interest rate · No monthly fee
Rate checked
More details - MyPoint Credit UnionShare Savings AccountSavings · $0 min · 0.01%–0.03% by balance
Credit union · 4 branches
0.03%APY$3 a year on $10,000Requirements
Product: Savings account maintenance fee is $3 per month for accounts with only regular savings and an average daily balance less than $300 (youth accounts exempt).
Offer: $3 per month maintenance fee applies if average daily balance is less than $300 and member has only regular savings.
0.01% interest rate · $3 monthly fee
Rate by balance
Rate by balance for Share Savings Account Balance APY Up to $300 0.01% $300 – $2,500 0.02% $2,500 and upYour amount 0.03% Rate checked
More details - First BankPerformance Money MarketPerformance Money Market · $100 min · 0.01%–0.02% by balance
Bank · 1 branch
0.02%APY$2 a year on $10,000Requirements
Product: Variable-rate account. $100.00 minimum deposit required to open. Check writing privileges included. $10.00 Monthly Maintenance Fee, avoidable by maintaining a daily Ledger Balance of $1,000.00 or more during a calendar month.
Offer: Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month.
$10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Performance Money Market Balance APY Up to $2,500 0.01% $2,500 – $10,000 0.01% $10,000 – $25,000Your amount 0.02% $25,000 – $50,000 0.02% $50,000 and up 0.02% Rate checked
More details - 0.02%APY$2 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 Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Monthly maintenance fee of $3 (waived by maintaining a minimum daily balance of $200 or receiving at least $25 in automatic transfers from a linked checking account). Limited to 6 withdrawals/transfers per monthly statement cycle.
Offer: Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly.
0.02% interest rate · Compounded daily · $3 monthly fee · Effective Oct 7, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $1,000 0.02% $1,000 – $5,000 0.02% $5,000 – $25,000Your amount 0.02% $25,000 – $50,000 0.04% $50,000 – $100,000 0.05% $100,000 and up 0.07% 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%
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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