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 31–45 results in San Jose, CA
- 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. 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 Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
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 · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - City National BankPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.35%–3.82% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Tiered interest rates. Unlimited withdrawals or transfers. $20 monthly maintenance fee waived with a $2,500 minimum daily balance. Can provide overdraft protection for City National Bank checking accounts.
Offer: $20 monthly fee waived with a $2,500 minimum daily balance.
0.35% interest rate · $20 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $10,000 0.35% $10,000 – $25,000Your amount 0.35% $25,000 – $5,000,000Introductory rate for new personal deposit clients who open a qualifying checking account and deposit at least $25,000 in new money within 30 days. 3.82% $5,000,000 – $10,000,000 0.80% $10,000,000 and up 0.80% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
0.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 10 branches
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - United Business BankU Matter Money Market AccountU Matter Money Market Account · $5,000 min · 0.25%–1.77% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000intro rateRequirements
Product: Available on new money only. Account APY is based on a tiered rate system. Minimum deposit of $5,000 - maximum deposit of $10,000,000 requirement for U Matter Account Specials.
Offer: New money only.
Promotional rate · Effective Jul 23, 2026
Rate by balance
Rate by balance for U Matter Money Market Account Balance APY $1,000 – $10,001Your amount 0.25% $10,001 – $50,001 0.25% $50,001 – $100,000 0.75% $100,000 – $250,000 1.26% $250,000 and up 1.77% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $25.00 minimum balance to open, maintain account and earn dividends. $25 is member share and not available for transactions. Linked to Checking for free overdraft protection. No monthly fees.
0.20% interest rate · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000with conditions
Requirements
Product: $100.00 opening deposit required with new-to-Tech CU money (deposited from an external source within 21 days of account opening). $0.01 minimum balance to maintain account and earn dividends. No monthly maintenance fee. Must open and accompany a Tech CU Checking Account on membership for qualified tier rates; if qualifying transactions are not posted during the calendar month, unqualified rates apply. Blended tiered APY. Overdraft protection not available. Limited to one per membership. Not available on Business, IRA, or HSA.
Offer: Unqualified accounts: if all qualifying transactions are not posted during the calendar month, entire balance earns this rate.
Qualified rate · 0.20% interest rate · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Interest compounded daily, paid quarterly. $15 monthly maintenance charge waived with $5,000 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. $15 monthly fee waived with $5,000 daily balance.
0.20% interest rate · Compounded daily · $15 monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest is compounded daily and credited on the last day of the statement cycle for Money Market accounts. Variable-rate account.
Offer: $1,000 minimum balance to earn interest and avoid $10 monthly service charge.
0.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $14,999Your amount 0.15% $15,000 and up$1,000 minimum balance to avoid $10 monthly service charge. 0.20% Rate checked
More details - 0.12%APY$12 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 Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - Golden 1 Credit UnionGrowth Savings AccountSavings · $0 min · 0.10%–4.00% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the APY.
3.93% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Savings Account Balance APY Up to $1,000 4.00% $1,000 – $2,000APY range stated as 3.50%-4.00% (blended). 3.00%* $2,000 – $5,000APY range stated as 2.15%-3.50% (blended). 1.25%* Over $5,000Your amountAPY range stated as 0.10%-2.15% (blended). 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