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 31–45 results in California
- 3.60%APY$360 a year on $10,000
Requirements
Product: Individual account. An interest bearing product with a variety of tiered rates. Compound monthly, credit monthly. Surcharge free withdrawals at EverTrust Bank ATMs and participating STARsf ATMs.
Offer: A service charge balance requirement fee of $25.00 will be imposed every statement cycle if the daily balance on any day of the statement cycle falls below $5,000.00. Must maintain a minimum daily balance of $0.01 but not exceeding $4,999.99 to obtain APY.
$25 monthly fee · Effective Jan 5, 2026
Rate by balance
Rate by balance for Smart Saver Savings Balance APY Up to $5,000 0.50% $5,000 and upYour amount 3.60% Rate checked
More details - 3.55%APY$355 a year on $10,000with conditions
Requirements
Product: To earn applicable tiered APY: must have qualifying direct deposit totaling at least $2,500/month via ACH and meet at least one of: PremiumSpend checking account, USC Credit Union consumer loan of $20,000+, mortgage loan of $50,000+, at least $50,000 in combined share balances, or active account with Trojan Wealth Management. Otherwise earns non-qualifying rate of 0.15% APY. Membership eligibility required.
Offer: Rates as high as 3.55% APY when qualifying relationship and direct deposit criteria met. Non-qualifying rate is 0.15% APY.
Qualified rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 3.55%APY$355 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: Four-Star Award: Meet requirements for preceding level (maintain Power Checking Account, use VISA Debit Card for at least 4 purchases/month, sign up for eDocs) and make at least 3 bill payments per month using ePay Bill Pay. Also gets ePay for free.
Qualified rate · 3.50% interest rate · No monthly fee · Effective Apr 15, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.
Offer: Base rate for opening SmartStep Installment Savings Account.
Qualified rate · Balance cap $15,000 · Effective Apr 29, 2026
Rate checked
More details - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 8 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - Travis Credit UnionDiamond Money MarketDiamond Money Market · $100 min · 3.50%–3.85% by balance
Credit union · 25 branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Exclusive offer for new members only (defined as not having a TCU Share Savings account within the past 90 days). Only new money qualifies (funds not currently on deposit with Travis Credit Union). Available through end of day 12-31-2026. Rate is variable. Minimum opening deposit is $100. Membership required ($5 fee, $5 deposit) for 12-county service area.
Offer: New members only with new money. Offer available through 12-31-2026.
Promotional rate · 3.45% interest rate
Rate by balance
Rate by balance for Diamond Money Market Balance APY Up to $50,000Your amount 3.50% $50,000 – $250,000 3.70% $250,000 and up 3.85% Rate checked
More details - Edwards Federal Credit UnionHigh-Yield Savings Account (HYSA)Savings · $1 min
Credit union · 2 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Membership with Edwards Federal Credit Union is required. Account requires direct deposit each month to earn promotional APY; otherwise, or if more than 6 withdrawals occur in a calendar month, the account earns the regular savings dividend rate for that month.
Offer: Requires direct deposit each month and no more than 6 withdrawals per calendar month to qualify for 3.50% APY.
Qualified rate · Balance cap $250,000 · No monthly fee · Effective Nov 1, 2025
Rate checked
More details - California Credit UnionPremium Money Market Account - Temecula-MurrietaPremium Money Market Account - Temecula-Murrieta · $2,500 min
Credit union · 25 branches
3.50%APY$350 a year on $10,000Requirements
Product: Exclusively for new members at the Temecula-Murrieta Branch; must be opened in-branch. Requires new money or transfer from another financial institution. Excludes business accounts. A Share Account with $0.01 Par Value is required to establish membership. A minimum daily balance of $2,500 is required to avoid a $5 monthly service fee.
Offer: Earn up to 3.50% APY. Requires $2,500 opening deposit of new money and $0.01 minimum daily balance to earn dividends. $5 monthly fee if balance falls below $2,500 on any day of the month. Exclusively for new members at Temecula-Murrieta Branch and must be opened in-branch. A Share Account with $0.01 Par Value is required to establish membership.
$5 monthly fee
Rate checked
More details - 3.45%APY$345 a year on $10,000
Requirements
Product: Dividends calculated by daily balance method and compounded monthly. Minimum daily balance requirement of $5.00 to earn dividends.
3.40% interest rate · Compounded monthly
Rate checked
More details - Star One Credit UnionMoney Market Savings AccountMoney Market Savings Account · $50 min
Credit union · 6 branches
3.45%APY$345 a year on $10,000Requirements
Product: Variable APY/dividend rate. Compounded monthly and credited monthly and at closure. Minimum deposit of $50 required to open and to earn dividend. Membership required. No fees. Fees may reduce earnings.
Offer: Variable APY/dividend rate. Compounded monthly and credited monthly and at closure. Minimum deposit of $50 required to open and to earn dividend. Membership required. No fees. Fees may reduce earnings.
3.40% interest rate · Compounded monthly · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 3.45%APY$345 a year on $10,000
Requirements
Product: Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $500 for accounts opened in a retail branch and $1,000 for accounts opened online. Minimum balance necessary to obtain disclosed APY is $500.00. Quarterly minimum balance fee of $3.00 if daily balance drops below $500 any day of the quarter. Fee of $15.00 assessed if account is closed within 6 months of opening.
Offer: Online rate. Online opening minimum is $1,000. Minimum balance to earn APY tier stated as $0.01+.
3.41% interest rate
Rate checked
More details - 3.30%APY$330 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: Requires Eligible Direct Deposit (monthly direct deposits) or Qualifying Deposits ($5,000 or more every 31 days). No minimum balance requirement. Fees may reduce earnings.
Qualified rate · 3.27% interest rate · No monthly fee · Effective Oct 20, 2026
Rate checked
More details - 3.30%APY$330 a year on $10,000
Requirements
Product: No monthly maintenance fee. Only one HYSA account allowed per member. Dividends accrue daily and are paid monthly. Variable rate.
Offer: Rate accurate as of February 2, 2026. No minimum deposit requirement or withdrawal limits.
No monthly fee · Effective Feb 2, 2026
Rate checked
More details - 3.30%APY$330 a year on $10,000with conditions
Requirements
Product: Rates are tiered based on the Member's Relationship Rewards tier (determined by qualifying combined household balance). Requires minimum deposit of $10,000 to open and $10,000 balance to earn dividends.
Offer: Private Banking tier. Private Banking eligibility requires $500,000 combined deposits and outstanding loan balances (excluding PRWM) with a minimum of $100,000 in deposits, or $250,000 in deposits (excluding PRWM), or select invitation groups. Minimum to open & earn dividends: $10,000.
Qualified rate · 3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.25%APY$325 a year on $10,000
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 16–22
- 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