Compare Bank & Credit Union Rates
Best savings rates in San Jose, CA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 61–75 results in San Jose, CA
- 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 $10,000
Requirements
Product: Free e-Statements ($2 per month for paper statements). Avoid $5 monthly fee by maintaining minimum balance of $10.
Offer: Avoid $5 monthly fee by maintaining minimum balance of $10. Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.
0.05% interest rate · $5 monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Smart Savings Account Balance APY Up to $50,000Your amount 0.05% $50,000 and up 0.10% Rate checked
More details - KeyPoint Credit UnionMembership Savings AccountSavings · $10 min · 0.05%–0.10% by balance
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: KeyPoint Membership required; must be in KeyPoint's field of membership and meet other eligibility requirements. Surcharge-free ATM access.
Offer: Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.
0.05% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Membership Savings Account Balance APY Up to $50,000Your amount 0.05% $50,000 and up 0.10% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum balance to keep open is $5.00.
0.05% interest rate · Effective Oct 13, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum balance to keep open is $5.00. Minimum daily balance of $50.00 required to earn APY.
Offer: Minimum daily balance of $50.00 required to earn stated APY.
0.05% interest rate · Effective Jul 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum balance to keep open is $5.00. Minimum daily balance to earn APY is $50.00.
0.05% interest rate · No monthly fee · Effective Oct 13, 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 - Columbia BankThrive Money MarketThrive Money Market · $100 min · 0.05%–0.15% by balance
Bank · 1 branch
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 · 1 branch
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 - First Citizens BankMoney Market AccountMoney Market Account · $500 min · 0.05%–0.15% by balance
Bank · 1 branch
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 - 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 - 0.05%APY$5 a year on $10,000
Requirements
Product: Variable rate share account using simple interest on a daily basis with monthly dividends. A $10 quarterly inactivity fee applies if balance falls below $500 with no other active loan/share accounts and no account activity other than dividend postings in the past year. Account will be closed if balance reaches $0. Subject to 6 transfers/withdrawals limit per month.
Offer: Minimum balance to earn APY is $100. Minimum balance to open is $10.00.
0.05% interest rate · Effective Sep 4, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Interest compounded daily, paid quarterly. $15 monthly maintenance charge waived with $1,500 daily balance requirement. If account is closed before interest is credited, accrued interest is forfeited. Maximum 6 preauthorized withdrawals/transfers per month ($10 per excess item).
Offer: Interest compounded daily, paid quarterly, actual/actual day basis. $15 monthly fee waived with $1,500 daily balance.
0.05% interest rate · Compounded daily · $15 monthly fee
Rate by balance
Rate by balance for Value Savings Balance APY $1,500 and upYour amount 0.05% $50,000 and up 0.10% 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 Jose, CA
97 accounts at 30 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 2.23%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.20%
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San Jose, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Star One Credit UnionCredit union · 6 branches
- Stanford Federal Credit UnionCredit union · 5 branches
- First BankBank · 1 branch