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 346–360 results in California
- 0.25%APY$25 a year on $10,000
Requirements
Product: Must open and maintain a Share account to open subsequent accounts or take advantage of member services. Dividends computed using average daily balance method, compounded and credited quarterly. Variable rate subject to change.
Offer: Minimum balance to earn dividends is $100.00. Rate type is variable.
0.25% interest rate
Rate by balance
Rate by balance for Share Balance APY $100 and upYour amount 0.25% $50,000 and up 0.50% $150,000 and up 0.75% Rate checked
More details - Valley Oak Credit UnionMoney MarketMoney Market · $1,000 min · 0.10%–1.06% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Minimum initial deposit and required minimum balance of $1,000.
Offer: Tier 1. Rates subject to change monthly. APY on non-term accounts may change after opening.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 and up 0.10% $2,500 and upTier 2. 0.15% $10,000 and upYour amountTier 3. 0.25% $50,000 and upTier 4. 0.35% $100,000 and upTier 5. 0.50% $250,000 and upTier 6. 1.06% Rate checked
More details - 0.25%APY$25 a year on $10,000with conditions
Requirements
Product: Open through eBranch. Available to individual members (Business Accounts are not eligible). No minimum deposit or balance required. No monthly fee. Funds can be transferred to/from Power Checking (transfers to other accounts not permissible). Funds may not be used for overdraft protection. Accounts closed before end of month forgo interest. Member Service-assisted transactions incur a fee.
Offer: One-Star Award: Maintain a Power Checking Account.
Qualified rate · 0.25% interest rate · No monthly fee · Effective Apr 15, 2026
Rate checked
More details - Justice Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.25%–0.45% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,0000.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $100,000 0.35% $100,000 and up 0.45% Rate checked
More details - First Federal of San RafaelSpectrum Money MarketSpectrum Money Market · $2,500 min · 0.25%–0.80% by balance
Bank · 4 branches
0.25%APY$25 a year on $10,000Requirements
Product: Personal accounts only; business and corporate accounts do not qualify. Tiered variable rate paid on daily balance.
No monthly fee · Effective Jun 12, 2024
Rate by balance
Rate by balance for Spectrum Money Market Balance APY $2,500 – $25,000Your amount 0.25% $25,000 – $50,000 0.40% $50,000 – $100,000 0.45% $100,000 – $250,000 0.48% $250,000 – $500,000 0.55% $500,000 and up 0.80% Rate checked
More details - Edwards Federal Credit UnionPrimary Savings / Share SavingsSavings · $25 min
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Required to establish membership at Edwards Federal Credit Union.
Offer: Minimum balance to earn interest/dividends is $25.
No monthly fee · Effective Jul 1, 2026
Rate checked
More details - South Bay Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.20%–0.40% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Minimum balance requirement of $2,500. Dividends paid monthly. Check writing capabilities with up to three no-fee checks per month.
Offer: Prospective dividend rate and prospective APY based on average daily balance.
0.20% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.20% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.30% $100,000 and up 0.40% Rate checked
More details - Valley Strong Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.15%–0.80% by balance
Credit union · 28 branches
0.25%APY$25 a year on $10,000Requirements
Product: Valley Strong Membership is required. Rates are variable and may change after the account is opened. Fees may reduce earnings.
0.15% interest rate · No monthly fee · Effective May 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.15% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.35% $100,000 – $250,000 0.40% $250,000 – $500,000 0.55% $500,000 and up 0.80% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes membership at F&A with $5 minimum balance required at all times. Available to employees of the Los Angeles County Fire Department and municipal workers in the city and county, plus immediate family members.
Offer: Minimum to earn dividends is $5.00.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes credit union membership and ownership. Variable rate; dividends compounded monthly and credited monthly.
Offer: A $5.00 minimum balance is required to open and maintain membership.
Compounded monthly
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Hanin Federal Credit Union member must open a regular share (a.k.a. savings account) and maintains at least $10.00 in the account. Unlimited deposits, withdrawals, and transfers.
Offer: Dividends are accrued daily at an annual rate of 0.25% and paid quarterly. Must maintain at least $10.00 in the account.
0.25% interest rate
Rate checked
More details - VA Desert Pacific Federal Credit UnionMembership Savings AccountSavings · $250 min
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Establishes credit union membership. Requires maintaining a $50 balance hold. Earns monthly dividends.
0.25% interest rate
Rate checked
More details - CoastHills Credit UnionMoney MarketMoney Market · $5,000 min · 0.25%–0.75% by balance
Credit union · 11 branches
0.25%APY$25 a year on $10,000Requirements
Product: Tiered-rate account; stated dividend rate is paid on the full balance corresponding to the applicable balance tier. Membership with CoastHills Credit Union required.
0.25% interest rate · No monthly fee · Effective Dec 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $100,000 0.35% $100,000 – $200,000 0.50% $200,000 and up 0.75% Rate checked
More details - Wescom FinancialMoney MarketMoney Market · $2,500 min · 0.15%–0.65% by balance
Credit union · 30 branches
0.25%APY$25 a year on $10,000Requirements
Product: Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required; $1 deposit to Regular Savings required.
Offer: Signature Member tier. Minimum opening deposit and minimum balance to obtain APY is $2,500.
0.15% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.15% $10,000 – $24,999Your amount 0.25% $25,000 – $49,999 0.35% $50,000 – $99,999 0.45% $100,000 – $249,999 0.55% $250,000 and up 0.65% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department in San Diego County, immediate family, or employees/members of Firefighter Related Organizations.
0.25% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in California
795 accounts at 288 banks and credit unions · checked Oct 22–23
- Typical
- 0.19%
- Top 10% from
- 2.29%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.20%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Star One Credit UnionCredit union · 6 branches
- Skyla Credit UnionCredit union · 1 branch