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 496–510 results in California
- 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
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Footnote 14 states a $10 membership fee is required for new members. Dividends compounded quarterly. No monthly service fee.
Offer: Minimum average daily balance to earn dividends is $15.
0.10% interest rate · Compounded quarterly · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Par value of one share ($25.00) required as minimum deposit at account opening. Dividends compounded and credited monthly using average daily balance method.
Offer: Minimum balance to earn APY is $25. No monthly service charge.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Montecito Bank & TrustRelationship Bonus Money MarketRelationship Bonus Money Market · $100 min · 0.10%–0.20% by balance
Bank · 16 branches
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 is waived by maintaining a $2,500 minimum daily balance. Account pays tiered relationship bonus interest rates when maintaining an eligible personal checking account. If checking account is closed, relationship bonus rates revert to Montecito Money Fund rates. Simple interest accrues daily, compounded monthly and paid monthly. Features checkwriting capabilities.
Offer: Requires primary owner to maintain a Cashback Checking account.
Qualified rate · 0.10% interest rate · Compounded monthly · $10 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Relationship Bonus Money Market Balance APY Up to $9,999 0.10% $10,000 – $49,999Your amount 0.10% $50,000 – $99,999 0.10% $100,000 – $499,999 0.15% $500,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Members can open up to four Special Savings accounts (in addition to Share Savings) and nickname them for savings goals.
Offer: Dividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: All Members must have a Share Savings account and maintain a minimum balance of $5 to maintain Membership in the Credit Union. Open with $5 minimum deposit plus a $1 one-time membership fee.
Offer: Dividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account.
0.10% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum deposit and minimum balance requirements waived for new Members opting to pay a Membership Entrance fee. $5 monthly service fee waived for Members under 18; or with Direct Deposit, Southland eStatements, Checking, Money Market, Certificate, IRA or Loan balance.
Offer: Minimum deposit and minimum balance waived for new Members opting to pay a Membership Entrance fee. $5 monthly fee waived for Members under 18; or with Direct Deposit, eStatements, Checking, Money Market, Certificate, IRA or Loan balance.
0.10% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Downey Federal Credit UnionElevate Savings AccountSavings · $0 min · 0.10%–5.00% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Ideal for those new to saving. Tiered rates with monthly dividend period.
Offer: Monthly dividend period.
4.89% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Elevate Savings Account Balance APY Up to $2,000 5.00% $2,000 – $5,000 3.00% Over $5,000Your amount 0.10% Rate checked
More details - 1st United Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.10%–0.30% by balance
Credit union · 8 branches
0.10%APY$10 a year on $10,000Requirements
Product: Dividends are paid monthly based on average daily balance. $1,000 minimum balance required.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 – $250,000 0.25% $250,000 – $500,000 0.30% $500,000 and up 0.30% Rate checked
More details - Justice Federal Credit UnionFreedom Direct SavingsSavings · $300 min · 0.10%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.
Offer: Non-qualifying rate when checking and direct deposit requirements are not met.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Freedom Direct Savings Balance APY $300 – $2,499 0.10% $2,500 – $19,999Your amount 0.10% $20,000 and up 0.15% Rate checked
More details - Justice Federal Credit UnionShare SavingsSavings · $300 min · 0.10%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: A $5 minimum balance in a Savings Account is required to establish and maintain membership. Direct deposit and automatic transfers available. Variable rate account; fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Savings Balance APY $300 – $2,499 0.10% $2,500 – $19,999Your amount 0.10% $20,000 and up 0.15% 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
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
795 accounts at 288 banks and credit unions · checked Oct 22–24
- Typical
- 0.19%
- Top 10% from
- 2.29%
- 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
- Star One Credit UnionCredit union · 6 branches
- F&A Credit UnionCredit union · 2 branches