Compare Bank & Credit Union Rates
Best savings rates in California
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 301–315 results in California
- Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.21%–0.71% by balance
Bank · 19 branches
0.31%APY$31 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
Qualified rate · 0.21% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.21% $10,000 – $49,999Your amount 0.31% $50,000 – $99,999 0.36% $100,000 and up 0.71% Rate checked
More details - VA Desert Pacific Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.25%–1.00% by balance
Credit union · 2 branches
0.31%APY$31 a year on $10,0000.25% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.31% $25,000 – $50,000 0.37% $50,000 – $100,000 0.44% $100,000 – $250,000 0.75% $250,000 and up 1.00% Rate checked
More details - Energy One Federal Credit UnionStandard Money MarketStandard Money Market · $2,500 min
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: A flexible option for members with moderate balances. Limited to six withdrawals per month. Minimum balance requirements vary by account type and help avoid monthly service charges. Monthly dividend compounding. NCUA insured.
Offer: Tier 1–4
Balance cap $250,000 · Effective Jun 9, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Open to Energy One members. Maintain a $100 daily balance to earn quarterly dividends. A $2 monthly service fee applies if balance drops below $100 at any time during the month and member has no other loans or accounts. ATM access included (restrictions may apply).
Offer: Quarterly compounding; requires $100 daily balance to earn dividends. $2 monthly fee waived if balance stays at or above $100 or member has other loans/accounts.
$2 monthly fee · Effective Jun 9, 2026
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 · 225 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 - State Bank of India (California)Hi Yield Advantage Savings - Personal OnlySavings · $500 min · 0.15%–0.35% by balance
Bank · 8 branches
0.30%APY$30 a year on $10,000Requirements
Product: Personal accounts only. Minimum opening deposit of $500.
Offer: Savings Balance Tier 1.
0.15% interest rate
Rate by balance
Rate by balance for Hi Yield Advantage Savings - Personal Only Balance APY $500 – $5,000 0.15% $5,000 – $10,000Savings Balance Tier 2. 0.25% $10,000 – $100,000Your amountSavings Balance Tier 3. 0.30% Over $100,000Savings Balance Tier 4. 0.35% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Basic deposit account earning variable interest with accessible funds. $10 monthly maintenance fee waived with $100 minimum daily balance.
Offer: Requires a minimum opening balance of $100.00 and a balance of $100.00 to obtain the interest rate and APY. $10 monthly fee waived when maintaining a minimum daily balance of $100.
0.30% interest rate · $10 monthly fee
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Offer: Requires a minimum opening balance of $100.00 and a balance of $100.00 to obtain the interest rate and APY.
0.30% interest rate
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly maintenance fee of $10 is waived when maintaining a minimum balance of $100.
Offer: Requires a minimum opening balance of $100.00 and a balance of $100.00 to obtain the interest rate and APY. Monthly fee of $10 waived with $100 minimum balance.
0.30% interest rate · $10 monthly fee
Rate checked
More details - UNCLE Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.20%–3.15% by balance
Credit union · 5 branches
0.30%APY$30 a year on $10,000intro rateRequirements
Product: Membership eligibility and account approval required. Must maintain at least $5 in Regular Savings Account to maintain membership. Dividends are compounded and credited monthly using the daily balance method. Minimum opening deposit is $2,500. Minimum daily balance of $2,500 required to earn dividends; falling below $2,500 on any day results in a Money Market Low Balance Fee. Non-personal withdrawals limited to six per month.
Offer: Dividends paid monthly. Rates are variable and may change after account opening.
Promotional rate · 0.20% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.20% $10,000 – $25,000Your amount 0.30% $25,000 – $50,000 0.31% $50,000 – $100,000 0.57% $100,000 – $150,000 0.90% $150,000 and upHigh-Yield Money Market special offer available as of July 20, 2026; subject to change or cancellation without notice. APY is based on a dividend rate of 3.106% (table lists 3.11%). New money required (defined as funds not currently held on deposit with UNCLE Credit Union and transferred from another financial institution). 3.15% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Service charge waived with minimum daily balance of $300. Express Personal Banking online account opening available. Quarterly service charge may apply. Withdrawals limited to no more than 6 automatic pre-authorized transfers, telephone transfers, online transfers or payments each monthly statement period.
Offer: Interest is compounded daily and paid quarterly. Interest earned on entire daily balance. Quarterly service charge may apply.
0.30% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.20%–0.70% by balance
Bank · 19 branches
0.30%APY$30 a year on $10,000with conditionsQualified rate · 0.20% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.20% $10,000 – $49,999Your amount 0.30% $50,000 – $99,999 0.35% $100,000 and up 0.70% Rate checked
More details - POLAM Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.30%–0.75% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,0000.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.30% $25,000 – $75,000 0.40% $75,000 and up 0.75% Rate checked
More details - 0.30%APY$30 a year on $10,000intro rate
Requirements
Offer: Rate may change after account is opened.
Promotional rate · 0.30% interest rate · Effective Oct 6, 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 California
790 accounts at 288 banks and credit unions · checked Oct 16–23
- Typical
- 0.20%
- Top 10% from
- 2.41%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.20%
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California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches