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 16–30 results in San Jose, CA
- WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - PremierOne Credit UnionPremier Money MarketPremier Money Market · $1,500 min · 0.50%–1.80% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Dividends calculated using Average Daily Balance, credited and compounded monthly. Once a particular balance tier is met, the rate applies to the full balance of the account. Account limitations apply (up to 6 preauthorized/electronic transfers or withdrawals per month). Membership requires maintaining $5.00 par value share.
Offer: Minimum balance to earn APY is $1,500.00. Minimum to keep open is $1,500.00.
0.50% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $1,500 – $10,000 0.50% $10,000 – $50,000Your amount 1.00% $50,000 – $250,000 1.60% $250,000 and up 1.80% Rate checked
More details - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 1 branch
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 - CommonWealth Central Credit UnionEmergency SavingsSavings · $25 min · 0.05%–3.00% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Tiered high-yield variable rate savings account. Limit one account per member. Requires monthly automatic transfer, direct deposit, or ACH deposit totaling $25 or more by the end of each month to qualify for the APY. Maximum deposit is $250,000. No monthly fee. For a limited time, CommonWealth matches initial $25 deposit. Includes annual wellness check-in ($25 incentive). Membership required; verified by Chex Systems. Cannot be combined with any other offer.
Offer: Tier for balances up to $1,000. Monthly qualifying deposit/transfer of $25+ required.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Sep 4, 2026
Rate by balance
Rate by balance for Emergency Savings Balance APY Up to $1,000 1.00% $1,000 – $5,000 3.00% $5,000 – $10,000Your amount 1.00% $10,001 – $250,000 0.05% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 10 branches
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 - Meriwest Credit UnionMoney Market MaxMoney Market Max · $10,000 min · 0.75%–2.50% by balance
Credit union · 3 branches
0.75%APY$75 a year on $10,000Requirements
Product: Membership is required with a one-time non-refundable $5 fee. Must maintain a minimum average daily balance of $10,000 to earn dividends and obtain the APY. Account will close if balance is zero at month end. For consumer accounts only.
Offer: Variable rate; rates may change after the account is opened. Must maintain a minimum average daily balance of $10,000 in the account to earn dividends and obtain the applicable APY. Account will close if balance is zero at month end. Fees may reduce earnings. For consumer accounts only.
0.75% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Money Market Max Balance APY $10,000 – $50,000Your amount 0.75% $50,001 – $250,000 1.75% $250,001 and up 2.50% Rate checked
More details - Mirastar Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 5 branches
0.75%APY$75 a year on $10,000Requirements
Product: Variable rate account; dividend rates and APY may change monthly without limitation. Minimum opening and earning balance of $2,500 required to earn stated rate. Dividends compounded and credited monthly. Subject to fees and charges. Membership in Mirastar Federal Credit Union required.
Offer: Variable rate; dividend rates and APY may change monthly. Minimum opening and earning deposit balance of $2,500 required to earn stated dividend rate. Dividends compounded and credited monthly.
0.75% interest rate · Effective Oct 13, 2026
Rate checked
More details - OE Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–0.80% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Start saving with $1,000 minimum opening deposit. Dividends compound monthly. Up to 6 free withdrawals or transfers per month ($15 fee per transaction thereafter).
Offer: Minimum to earn dividend: $1,000. Compounding period: Monthly.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.60% $10,000 and upYour amountMinimum to earn dividend: $10,000. 0.65% $25,000 and upMinimum to earn dividend: $25,000. 0.65% $50,000 and upMinimum to earn dividend: $50,000. 0.70% $100,000 and upMinimum to earn dividend: $100,000. 0.75% $250,000 and upMinimum to earn dividend: $250,000. 0.80% Rate checked
More details - CommonWealth Central Credit UnionWealth Management SavingsSavings · $2,500 min · 0.03%–0.70% by balance
Credit union · 2 branches
0.65%APY$65 a year on $10,000with conditionsRequirements
Product: Variable rate savings account using simple interest on a daily basis with monthly dividends. Requires an active checking account with CommonWealth to open. If balance drops below $2,500, dividend rate and APY become 0.03%. Subject to 6 transfers/withdrawals limit per month.
Offer: Fallback rate if balance drops below $2,500.
Qualified rate · 0.03% interest rate · Effective Sep 4, 2026
Rate by balance
Rate by balance for Wealth Management Savings Balance APY Up to $2,500 0.03% $2,500 and up 0.65% $10,000 and upYour amount 0.65% $50,000 and up 0.65% $100,000 and up 0.70% Rate checked
More details - CommonWealth Central Credit UnionMoney Management AccountMoney Management Account · $2,500 min · 0.03%–0.75% by balance
Credit union · 2 branches
0.65%APY$65 a year on $10,000Requirements
Product: Variable rate account using simple interest calculated daily and paid monthly. Maximum of 6 withdrawals per month (up to 3 by check). First 40 checks are free.
Offer: Applies if balance falls below $2,500.
0.03% interest rate · Effective Sep 4, 2026
Rate by balance
Rate by balance for Money Management Account Balance APY Up to $2,500 0.03% $2,500 and up 0.65% $10,000 and upYour amount 0.65% $25,000 and up 0.65% $50,000 and up 0.65% $100,000 and up 0.70% $250,000 and up 0.75% Rate checked
More details - Provident Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.08%–3.10% by balance
Credit union · 3 branches
0.61%APY$61 a year on $10,000Requirements
Product: $2,500 minimum balance required. Instant liquidity; can be used as an overdraft source for Provident Checking accounts.
0.08% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.08% $10,000 and upYour amount 0.61% $50,000 and up 2.90% $100,000 and up 3.10% Rate checked
More details - Meriwest Credit UnionSecureEdge Money MarketSecureEdge Money Market · $10,000 min · 0.55%–2.30% by balance
Credit union · 3 branches
0.55%APY$55 a year on $10,000Requirements
Product: Membership is required with a one-time non-refundable $5 fee. Insured by NCUA up to $250,000 and privately insured by American Share Insurance (ASI) for amounts exceeding NCUA coverage up to an additional $1,000,000 per member.
Offer: Variable rate account; rates may change after account is opened. Fees may reduce earnings.
0.55% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for SecureEdge Money Market Balance APY $10,000 – $99,999Your amount 0.55% $100,000 – $250,000 1.55% $250,001 and up 2.30% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - Technology Credit UnionMoney Market Plus AccountsMoney Market Plus Accounts · $0 min · 0.00%–2.05% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: $0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account. For balances of $50,000 and up, receive a rate boost of 0.10% with a Tech CU Checking Account and direct deposit of a minimum net pay of $100. Direct deposit criteria waived with a private banking relationship.
Offer: $0.01 minimum balance to maintain account. $2,500.00 to earn dividends.
Qualified rate · 0.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Plus Accounts Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.50% $25,000 – $50,000 0.85% $50,000 – $100,000 1.00% $100,000 – $150,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.25% $150,000 – $300,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.50% $300,000 – $500,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.90% $500,000 – $1,000,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.95% $1,000,000 and upDirect deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 2.05% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Available for individual and joint account holders. Businesses, trusts, and other legal entities are not eligible online.
Offer: A minimum balance of $1,000 must be maintained to obtain the advertised APY. A monthly $5.00 paper statement fee applies unless electronic statements are elected.
0.49% interest rate · No monthly fee
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