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 526–540 results in California
- Monterey Credit UnionMoney MarketMoney Market · $0 min · 0.03%–0.10% by balance
Credit union · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: All deposited funds earn the rate for the tier. Rate is variable. Monthly service fee waived if minimum daily account balance exceeds $5,000.00.
Offer: Monthly service fee is $15.00 for Primary relationship, $7.50 for Preferred relationship, and Free for Premier relationship; waived if minimum daily account balance exceeds $5,000.00. All deposited funds earn the rate for the tier.
0.03% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.03% $2,500 – $10,000 0.05% $10,000 – $50,000Your amount 0.10% $50,000 and up 0.10% Rate checked
More details - San Francisco Federal Credit UnionMoney Market Yield AccountMoney Market Yield Account · $2,500 min · 0.10%–1.01% by balance
Credit union · 7 branches
0.10%APY$10 a year on $10,000Requirements
Product: Requires a minimum daily balance of $2,500. Free of charge to open.
Effective Nov 1, 2025
Rate by balance
Rate by balance for Money Market Yield Account Balance APY $2,500 and upYour amount 0.10% $20,000 and up 0.15% $50,000 and up 0.35% $100,000 and up 0.75% $250,000 and up 0.75% $500,000 and up 1.01% $1,000,000 and up 1.01% Rate checked
More details - San Francisco Federal Credit UnionNorth Star Money MarketNorth Star Money Market · $2,500 min · 0.10%–4.00% by balance
Credit union · 7 branches
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Must open a new Checking Account with a minimum deposit of $2,500 in new money and a new Money Market Account with a minimum deposit of $20,000 in new money concurrently between June 1, 2026, and September 30, 2026. New members must open and maintain a share savings account in good standing. Reverts to standard variable APY beginning October 1, 2026.
Offer: Standard variable post-promotional rate applying to balances between $2,500 and $19,999 starting October 1, 2026.
Qualified rate
Rate by balance
Rate by balance for North Star Money Market Balance APY $2,500 – $19,999Your amount 0.10% $20,000 and upPromotional rate valid through September 30, 2026. Requires $20,000 minimum deposit in new money to the Money Market Account and $2,500 in new money to a concurrent new Checking Account. 4.00% Rate checked
More details - KeyPoint Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.05%–0.20% by balance
Credit union · 7 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 · 4 branches
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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends paid on balances of $1,000 or higher. Membership begins with a small fee and a savings account opened with a minimum of $25.
Offer: Tier 1 ($1,000–$9,999)
0.10% interest rate · Effective Mar 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Tiered interest rate savings account. Avoid the $10 monthly service charge with $5,000 minimum daily ledger balance. Limit of 6 withdrawals or transfers per statement cycle.
Offer: Avoid the $10 monthly service charge with $5,000 minimum daily ledger balance.
0.10% interest rate · $10 monthly fee · Effective Jul 20, 2026
Rate by balance
Rate by balance for Platinum Savings Balance APY $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.17% $50,000 – $150,000 0.37% $150,000 – $1,000,000 0.48% $1,000,000 and up 1.06% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Avoid the $5 monthly service charge with $500 minimum daily ledger balance. Limit of 6 withdrawals or transfers per statement cycle.
Offer: Avoid the $5 monthly service charge with $500 minimum daily ledger balance.
0.10% interest rate · $5 monthly fee · Effective Jul 20, 2026
Rate checked
More details - Farmers Insurance Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.05%–0.25% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Check-writing abilities; unlimited in-person transactions; all withdrawals must be at least $250; withdrawals can be made by check, phone, email, or online. Membership eligibility required.
Offer: Tier 1: Up to $9,999.99.
Effective Sep 18, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 and up 0.25% Rate checked
More details - CalCom Federal Credit UnionMoney Market AccountsMoney Market Accounts · $3,000 min · 0.05%–0.40% by balance
Credit union · 4 branches
0.10%APY$10 a year on $10,0000.05% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY $3,000 and up 0.05% $5,000 and upYour amount 0.10% $50,000 and up 0.20% $100,000 and up 0.40% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership required (open to individuals living, working, attending school, volunteering, or worshiping in Santa Cruz, San Benito, or Monterey counties). Required minimum opening balance of $5; daily balance of $100 to earn dividends.
Offer: Daily balance of $100 to earn dividends. No monthly service fee.
0.10% interest rate · No monthly fee · Effective Jan 2, 2026
Rate checked
More details - MyPoint Credit UnionMoney Management AccountSavings · $0 min · 0.00%–0.25% by balance
Credit union · 7 branches
0.10%APY$10 a year on $10,000Requirements
Offer: Balance: $0.00 - $999.99
0.00% interest rate
Rate by balance
Rate by balance for Money Management Account Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 and up 0.25% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership in credit union required; represents ownership. No monthly fees.
Offer: Balance of $50+ to earn monthly dividends; $5 minimum balance.
0.10% interest rate · No monthly fee · Effective Jul 28, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $10 is waived with a $5,000 minimum daily balance during that monthly statement cycle.
Offer: Monthly fee waived with $5,000 minimum daily balance.
0.05% interest rate · $10 monthly fee · Effective Aug 20, 2026
Rate by balance
Rate by balance for Banner's Best Savings Balance APY Up to $4,999 0.05% $5,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.15% $100,000 – $249,000 0.35% $250,000 – $999,999 0.35% $1,000,000 and up 0.50% 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