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 46–60 results in San Jose, CA
- 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a Mirastar Federal Credit Union member, 18 years of age or older, with no loans 60+ days delinquent and no past or present losses with Credit Union. Businesses, organizations, trusts, and employees/board members (and immediate family) are not eligible.
Offer: Variable rate account; rates and APY may change monthly. Dividends compounded and credited quarterly. Receive 1 entry for every $25 monthly average balance for cash prize drawings ($1,000 monthly, $5,000 quarterly, $10,000 annual grand prize); minimum $500 average monthly daily balance required to be eligible for prizes.
0.10% interest rate · Effective Oct 13, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership balance is required to be held in Regular Shares savings account. Membership in Mirastar Federal Credit Union is required.
Offer: Variable rate account; rates and APY may change monthly. Dividends compounded and credited quarterly for Savings Accounts.
0.10% interest rate · Effective Oct 13, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Personalized savings account. Variable rate account; rates may change at any time after the account is opened. Membership required with a one-time non-refundable $5 fee.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Includes entry into $6,500 cash sweepstakes (May 1, 2026 to December 31, 2026; 1 entry per $500 daily average balance maintained each month; limit 1 account per member). Variable rate account; rates may change after the account is opened. Membership required with a one-time non-refundable $5 fee.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable-rate savings account. Monthly fee is $3 (waived with $100 minimum balance; free for minors up to age 18).
Offer: Minimum balance to earn interest is $100. Monthly fee of $3 is waived on balances of $100 or more.
0.10% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Requires an active WaFd checking account to open. Maximum of three Start Savings accounts per Taxpayer Identification Number (TIN). Variable blended rate.
Offer: Tier 1 blended rate for balances $0 to $500. Requires an active checking account to open.
Qualified rate · 4.88% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Start Savings Balance APY Up to $500 5.00% $500 – $1,000 2.50% $1,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · $10 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
Offer: Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.
Compounded daily · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - KeyPoint Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.05%–0.20% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Balances under $1,000 earn regular savings rate. Minimum $1,000 opening deposit. $10 monthly fee waived by keeping minimum monthly balance of at least $1,000. Variable rates.
Offer: Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000. Balances under $1,000 earn regular savings rate.
0.05% interest rate · $10 monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 and up 0.20% Rate checked
More details - F3 Credit UnionRegular Share AccountSavings · $0 min · 0.00%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Membership application required.
0.00% interest rate · Effective Jan 7, 2026
Rate by balance
Rate by balance for Regular Share Account Balance APY Up to $100 0.00% $100 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · Effective Jan 7, 2026
Rate checked
More details - 0.09%APY$9 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 relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
Rate checked
More details - Provident Credit UnionPremier Money Market AccountPremier Money Market Account · 0.08%–3.40% by balance
Credit union · 3 branches
0.08%APY$8 a year on $10,000with conditionsRequirements
Product: Requires a minimum $1,000/month Direct Deposit to a checking account under the same membership, to begin no later than 90 days from account opening and continue for the life of the account. If direct deposit requirement is not met, earns base rate. Maintain minimum balance of $25,000.
Offer: Base rate earned when $1,000/month direct deposit requirements are not met.
Qualified rate · 0.08% interest rate
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Any balanceYour amount 0.08% $25,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 0.71% $75,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 3.00% $125,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 3.40% Rate checked
More details - 0.06%APY$6 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: Citi Priority relationship tier (requires $30,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citi Priority tier.
Qualified rate · 0.06% interest rate · $4.50 monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
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