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 541–555 results in California
- Banner BankMoney Market SavingsMoney Market Savings · $100 min · 0.05%–0.50% by balance
Bank · 30 branches
0.10%APY$10 a year on $10,000Requirements
Product: Minors (ages 12-17) are eligible if a parent or guardian (age 18+) is also an account owner. $10 monthly service charge waived with a $1,000 minimum daily balance during the monthly statement cycle.
Offer: Monthly service charge waived with a $1,000 minimum daily balance during that monthly statement cycle.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,499 0.05% $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.10% $25,000 – $99,999 0.15% $100,000 – $999,999 0.35% $1,000,000 and up 0.50% Rate checked
More details - 0.09%APY$9 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
Rate checked
More details - Provident Credit UnionPremier Money MarketPremier Money Market · 0.08%–3.40% by balance
Credit union · 22 branches
0.08%APY$8 a year on $10,000with conditionsRequirements
Product: Requires a minimum $1,000/month Direct Deposit to a checking account under the same membership, to begin no later than 90 days from open date and continue for the life of the account. If direct deposit stops or does not begin, earns Base Premier Money Market rate. Eligibility based on prior month transactions.
Offer: Base rate when requirements ($1,000/month direct deposit) are not met.
Qualified rate · 0.08% interest rate
Rate by balance
Rate by balance for Premier Money Market Balance APY Any balanceYour amount 0.08% $25,000 and upRequires $1,000/month direct deposit to checking under same membership. 0.71% $75,000 and upRequires $1,000/month direct deposit to checking under same membership. 3.00% $125,000 and upRequires $1,000/month direct deposit to checking under same membership. 3.40% Rate checked
More details - Sacramento Credit UnionSavings Accounts (All Types)Savings · $300 min · 0.05%–0.15% by balance
Credit union · 7 branches
0.08%APY$8 a year on $10,000Requirements
Product: Savings Account requires $25 to open. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.
Offer: Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors.
0.05% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Savings Accounts (All Types) Balance APY $300 – $999 0.05% $1,000 – $4,999 0.05% $5,000 – $9,999 0.05% $10,000 – $99,999Your amount 0.08% $100,000 and up 0.15% Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Membership is open to anyone who lives, works, worships, or attends school in the areas served. No monthly maintenance fee. Minimum balance of $50 required to earn dividends. Dividends calculated daily and credited quarterly.
0.08% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - Montecito Bank & TrustRelationship Bonus Money MarketRelationship Bonus Money Market · $100 min · 0.08%–0.18% by balance
Bank · 16 branches
0.08%APY$8 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 Everyday Checking, Gold Key Club, or Charter Checking (Gold Key Club and Charter Checking are closed to new accounts).
Qualified rate · 0.08% 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 0.08% $10,000 – $49,999Your amount 0.08% $50,000 – $99,999 0.08% $100,000 – $499,999 0.13% $500,000 and up 0.18% Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Minimum balance of $5 required.
Offer: Paid quarterly. Applies to all balances. Minimum balance of $5 required.
0.08% interest rate
Rate checked
More details - Sierra Central Credit UnionInvestor Money MarketInvestor Money Market · $0 min · 0.07%–2.27% by balance
Credit union · 18 branches
0.07%APY$7 a year on $10,000Requirements
Product: Tiered interest rate and balance structure starting at $25,000.00 to over $300,000. Membership open to those who live, work, worship, or attend school in any branch location county.
0.07% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Investor Money Market Balance APY Over $0Your amount 0.07% $25,000 and up 1.26% $50,000 and up 1.51% $100,000 and up 1.76% $200,000 and up 2.02% $300,000 and up 2.27% Rate checked
More details - 0.07%APY$7 a year on $10,000
Requirements
Offer: Dividends are compounded daily and paid monthly on average daily balance of $250 or more. The rate and APY may change after account opening.
0.07% interest rate · Compounded daily · Effective Oct 23, 2026
Rate checked
More details - Sierra Central Credit UnionRegular SavingsSavings · $0 min · 0.05%–0.07% by balance
Credit union · 18 branches
0.07%APY$7 a year on $10,0000.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Over $0 0.05% $100 and upYour amount 0.07% Rate checked
More details - Sierra Central Credit UnionMembership SavingsSavings · $0 min · 0.05%–0.07% by balance
Credit union · 18 branches
0.07%APY$7 a year on $10,000Requirements
Product: Required account for membership; provides membership eligibility and serves as a basic savings account.
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Membership Savings Balance APY Over $0 0.05% $100 and upYour amount 0.07% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 56 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - 0.07%APY$7 a year on $10,000
Requirements
Product: Earn competitive dividends on the entire balance as long as you maintain a balance of $25 or more.
Offer: Minimum = $25. Earn competitive dividends on the entire balance as long as you maintain a balance of $25 or more.
0.07% interest rate · Effective Sep 8, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 56 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - Befit Financial Federal Credit UnionSecondary SavingsSavings · $5,001 min · 0.06%–0.07% by balance
Credit union · 1 branch
0.06%APY$6 a year on $10,000Requirements
Product: Savings account for specific savings goals, major purchases, or rainy days. Listed as Regular Shares on rate schedule. Dividends calculated using Average Daily Balance method and paid monthly.
Offer: Dividends calculated using Average Daily Balance method and paid monthly. APR is 0.06%.
0.06% interest rate · Effective Dec 1, 2025
Rate by balance
Rate by balance for Secondary Savings Balance APY $5,001 – $10,000Your amount 0.06% $10,001 – $25,000APR is 0.07%. 0.07% $25,000 and upAPR is 0.07%. 0.07% 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