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 151–165 results in California
- American United Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.95%–3.25% by balance
Credit union · 3 branches
1.15%APY$115 a year on $10,000Requirements
Product: Minimum balance of $1,000 to earn dividends. Membership required.
0.95% interest rate · Effective Jul 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $4,999 0.95% $5,000 – $9,999 1.00% $10,000 – $24,999Your amount 1.15% $25,000 – $49,999 1.70% $50,000 – $99,999 2.05% $100,000 – $249,999 2.70% $250,000 and up 3.25% Rate checked
More details - 1.10%APY$110 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: Preferred Relationship Rewards tier (minimum combined household balance: $5,000). Minimum to open & earn dividends: $10,000.
Qualified rate · 1.09% interest rate · Effective Oct 1, 2026
Rate checked
More details - USPS Federal Credit UnionMoney Market SavingsMoney Market Savings · $5,000 min · 1.05%–1.50% by balance
Credit union · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Earn more on higher balances. Dividends are compounded and credited monthly; dividend period is monthly. Calculated from day of deposit.
Offer: Tier 1
1.05% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $5,000 and up 1.05% $10,000 and upYour amountTier 2 1.10% $25,000 and upTier 3 1.20% $50,000 and upTier 4 1.30% $75,000 and upTier 5 1.40% $100,000 and upTier 6 1.50% Rate checked
More details - 1.05%APY$105 a year on $10,000
Requirements
Product: Variable rate account. Rates may change after account opening. Fees may reduce earnings.
Offer: Variable rate account. Rates may change after account opening. Fees may reduce earnings.
0.11% interest rate · No monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Maximum Impact Savings™ Balance APY Up to $100 0.11% $100 and upYour amount 1.05% Rate checked
More details - Altos BankElite Money Market SavingsElite Money Market Savings · $0 min · 0.90%–1.26% by balance
Bank · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Tiered-rate money market account for larger personal balances. Provides interest earnings with access through digital transfers and limited check-writing functionality where applicable. Fees may apply.
Offer: Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY.
0.90% interest rate · Effective Aug 14, 2026
Rate by balance
Rate by balance for Elite Money Market Savings Balance APY Up to $10,000 0.90% $10,000 – $50,000Your amount 1.01% $50,000 – $100,000 1.11% $100,000 and up 1.26% Rate checked
More details - Coast Central Credit UnionLiquid Assets (0700)Liquid Assets (0700) · $0 min · 0.75%–1.41% by balance
Credit union · 11 branches
1.01%APY$101 a year on $10,000Requirements
Product: Dividends for Liquid Assets accounts are calculated on the daily balance and are paid monthly. Dividends are declared by the Board of Directors at the end of each month.
0.75% interest rate
Rate by balance
Rate by balance for Liquid Assets (0700) Balance APY Up to $9,999 0.75% $10,000 – $24,999Your amount 1.01% $25,000 – $49,999 1.16% $50,000 – $74,999 1.31% $75,000 and up 1.41% Rate checked
More details - Media City Credit UnionMoney MarketMoney Market · $2,500 min · 0.75%–1.51% by balance
Credit union · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Membership required. Federal law limits electronic and telephone transactions to 6 per statement cycle (up to 3 by check). Rates may vary after account is opened.
Effective Apr 5, 2023
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and up 0.75% $10,000 and upYour amount 1.01% $50,000 and up 1.26% $100,000 and up 1.51% Rate checked
More details - Northern Redwood FCUMoney MarketMoney Market · $2,500 min · 0.75%–1.41% by balance
Credit union · 2 branches
1.01%APY$101 a year on $10,000Requirements
Product: Minimum Balance Requirement = $2,500.00. Membership eligibility required. Maximum withdrawals per month may not exceed three (3). Interest is calculated based on the Average Daily Balance.
Offer: Minimum Balance Requirement = $2,500.00.
0.75% interest rate · Effective Feb 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.01% $25,000 – $50,000 1.16% $50,000 – $500,000 1.31% $500,000 and up 1.41% Rate checked
More details - Kaiperm Credit UnionAdvantage Money MarketAdvantage Money Market · $100 min · 0.10%–2.75% by balance
Credit union · 2 branches
1.01%APY$100 a year on $10,000Requirements
Product: Interest rates apply to the entire balance, not just the amount over the tier threshold. Compounded and credited monthly based on average daily balance.
Offer: Rate applies to balances up to $2,499.99. Interest rates apply to the entire balance.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $2,500 0.10% $2,500 – $25,000Your amount 1.01% $25,000 – $50,000 1.75% $50,000 – $100,000 2.25% $100,000 – $250,000 2.50% $250,000 and up 2.75% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Earns dividends yearly. No monthly service fees. Commonly used for taxes and vacations.
Offer: Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Earns dividends yearly. No monthly service fees.
1.00% interest rate · No monthly fee · Effective Jul 1, 2026
Rate checked
More details - Santa Barbara County Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.00%–2.30% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered rates based on balance; requires SBCFCU membership.
Offer: Variable rate subject to change.
Effective Aug 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $24,999Your amount 1.00% $25,000 – $49,999 1.20% $50,000 – $99,999 2.00% $100,000 and up 2.30% Rate checked
More details - PremierOne Credit UnionPremier Money MarketPremier Money Market · $1,500 min · 0.50%–1.80% by balance
Credit union · 6 branches
1.00%APY$100 a year on $10,000Requirements
Product: Dividends calculated using Average Daily Balance, credited and compounded monthly. Once a particular balance tier is met, the rate applies to the full balance of the account. Account limitations apply (up to 6 preauthorized/electronic transfers or withdrawals per month). Membership requires maintaining $5.00 par value share.
Offer: Minimum balance to earn APY is $1,500.00. Minimum to keep open is $1,500.00.
0.50% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $1,500 – $10,000 0.50% $10,000 – $50,000Your amount 1.00% $50,000 – $250,000 1.60% $250,000 and up 1.80% Rate checked
More details - Sacramento Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–3.51% by balance
Credit union · 7 branches
1.00%APY$100 a year on $10,000Requirements
Product: Money Market requires $2,500 to open. Dividends are compounded and credited monthly. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Fees may reduce earnings.
0.15% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.15% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.00% $50,000 – $99,999 1.76% $100,000 – $249,999 2.02% $250,000 – $499,999 2.50% $500,000 and up 3.51% Rate checked
More details - SkyOne Federal Credit UnionSky-High SavingsSavings · $1 min · 0.05%–1.00% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Requires a deposit of $1,000 or more posted each month to any share account (suffix) within the membership to earn 1.00% APY; otherwise rate defaults to Regular Savings Account APY. Minimum opening deposit $1. No monthly fees or early withdrawal fees. Variable-rate account. Maximum 6 withdrawals or outgoing transfers per month.
Offer: Default rate when monthly deposit of $1,000 or more is not credited to the account; defaults to Regular Savings Account APY. Applicable to balances $0 to $999.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Sky-High Savings Balance APY Up to $999 0.05% $1,000 and upYour amountQualifying rate requires a deposit of $1,000 or more posted to any share account within the membership each month. Direct deposit, remote check deposit, external transfers, ACH accepted. Minimum opening deposit $1.00. 1.00% Rate checked
More details - Skyla Credit UnionMoney MarketsMoney Markets · $1,000 min · 1.00%–2.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Markets Balance APY $1,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 – $500,000 1.75% $500,000 and up 2.00% 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
790 accounts at 288 banks and credit unions · checked Oct 16–23
- 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