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 181–195 results in California
- Sun Community Federal Credit UnionOpportunity Money Market with Active CheckingOpportunity Money Market with Active Checking · $500 min · 0.60%–3.50% by balance
Credit union · 8 branches
0.90%APY$90 a year on $10,000with conditionsRequirements
Product: Requires active checking account (at least 10 POS, ATM, or debit/credit transactions must clear the account each month; ACH or checks do not qualify). Monthly service fee of $10 can be waived with a minimum balance of $2,500.
Offer: Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.
Qualified rate · 0.60% interest rate · $10 monthly fee · Effective Oct 7, 2026
Rate by balance
Rate by balance for Opportunity Money Market with Active Checking Balance APY Up to $2,500 0.60% $2,500 – $25,000Your amount 0.90% $25,000 – $50,000 1.10% $50,000 – $100,000 1.25% $100,000 and up 1.35% $1,000,000 and up 3.25% $5,000,000 and up 3.50% Rate checked
More details - 1st Nor Cal® Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.00% by balance
Credit union · 6 branches
0.90%APY$90 a year on $10,000Requirements
Product: Membership required ($5 minimum deposit) for persons living, working, attending school, or worshiping in Contra Costa, Solano, or Alameda counties. No monthly fees. Direct deposit. No minimum deposit. No minimum balance.
No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $100 0.00% $100 – $10,000 0.20% $10,000 – $25,000Your amount 0.90% $25,000 – $75,000 1.00% $75,000 and up 1.00% Rate checked
More details - Logix Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.80%–2.20% by balance
Credit union · 18 branches
0.90%APY$90 a year on $10,000Requirements
Product: Logix membership required (Main Savings Account with a $5 minimum balance required to establish and maintain membership). Minimum opening deposit is $2,500.00. Electronic withdrawals and transfers are limited to a combined total of six per month. Monthly low balance fee of $15 applies if average daily balance is less than $2,500.
Offer: Dividends earned daily and credited and compounded monthly at the rate corresponding to account balance. $15 monthly low balance fee charged if average daily balance is less than $2,500.
0.80% interest rate · Compounded monthly · $15 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.80% $2,500 – $7,500 0.80% $7,500 – $10,000$15 monthly low balance fee waived with minimum $2,500 average daily balance. 0.85% $10,000 – $25,000Your amount$15 monthly low balance fee waived with minimum $2,500 average daily balance. 0.90% $25,000 – $50,000$15 monthly low balance fee waived with minimum $2,500 average daily balance. 1.00% $50,000 – $100,000$15 monthly low balance fee waived with minimum $2,500 average daily balance. 1.15% $100,000 – $250,000$15 monthly low balance fee waived with minimum $2,500 average daily balance. 1.80% $250,000 – $500,000$15 monthly low balance fee waived with minimum $2,500 average daily balance. 2.10% $500,000 and up$15 monthly low balance fee waived with minimum $2,500 average daily balance. 2.20% Rate checked
More details - UMe Credit UnionMoney Market SavingsMoney Market Savings · $1,500 min · 0.30%–1.70% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Tiered account options. Dividends are based on the average daily balance and are posted monthly. Rates and yields subject to change without notice.
Offer: Money Market Savings 1 tier. Minimum average daily balance required to earn dividends.
0.30% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,500 and up 0.30% $10,000 and upYour amountMoney Market Savings 2 tier. 0.90% $50,000 and upMoney Market Savings 3 tier. 1.20% $100,000 and upMoney Market Savings 4 tier. 1.70% Rate checked
More details - Kings Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.85%–1.00% by balance
Credit union · 2 branches
0.90%APY$90 a year on $10,000Requirements
Product: Rate may change after account is opened. Fees may reduce earnings.
Offer: Tier 1; minimum to earn dividend is $2,500.00.
0.85% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and up 0.85% $10,000 and upYour amountTier 2; minimum to earn dividend is $10,000.00. 0.90% $20,000 and upTier 3; minimum to earn dividend is $20,000.00. 1.00% Rate checked
More details - Schools Federal Credit UnionPremium Money Market AccountPremium Money Market Account · $100 min · 0.80%–1.00% by balance
Credit union · 2 branches
0.90%APY$90 a year on $10,000Requirements
Product: Tiered variable rate account. Opening minimum deposit is $100.00. A daily balance of at least $2,500.00 is required each day to obtain the disclosed APY. Dividends are calculated by the daily balance method and compound and credit monthly.
Offer: Must maintain a daily balance of at least $2,500.00 each day to obtain the disclosed APY.
0.80% interest rate
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $2,499 0.80% $2,500 – $9,999 0.80% $10,000 – $24,999Your amount 0.90% $25,000 – $49,999 0.90% $50,000 and up 1.00% Rate checked
More details - Santa Barbara Teachers FCUShare SavingsSavings · $0 min · 0.50%–2.53% by balance
Credit union · 3 branches
0.90%APY$90 a year on $10,000Requirements
Product: All members earn dividends based on the average daily balance for deposits within designated ranges. Average ending share balance for each day of the month determines dividend rate. Dividends are compounded monthly and credited on the last day of the month. Funds available for withdrawal at any time without penalty. Minimum balance of $25 is required.
0.50% interest rate · Compounded monthly
Rate by balance
Rate by balance for Share Savings Balance APY Up to $500 0.50% $501 – $2,500 0.70% $2,501 – $15,000Your amount 0.90% $15,001 – $40,000 1.31% $40,001 – $70,000 1.71% $70,001 – $100,000 2.12% $100,001 and up 2.53% Rate checked
More details - SAFE Credit UnionLevel Up Money MarketLevel Up Money Market · $25 min · 0.85%–2.22% by balance
Credit union · 18 branches
0.85%APY$85 a year on $10,000Requirements
Product: Earns highest dividend rate for which daily balance qualifies on entire account balance. Dividends paid monthly. Variable rate changes monthly.
Offer: Tier: under $10,000. Earns highest dividend rate for which daily balance qualifies on entire account balance.
0.85% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Level Up Money Market Balance APY Up to $10,000 0.85% $10,000 – $25,000Your amount 0.85% $25,000 – $50,000 1.36% $50,000 – $100,000 1.61% $100,000 – $250,000 1.87% $250,000 and up 2.22% Rate checked
More details - Murphy BankPassbooks / Regular Savings AccountsSavings · $500 min · 0.60%–1.36% by balance
Bank · 2 branches
0.85%APY$85 a year on $10,000Requirements
Product: Any savings account closed within 90 days of its opening date will be assessed a fee of $25.00.
0.60% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Passbooks / Regular Savings Accounts Balance APY $500 – $9,999 0.60% $10,000 – $24,999Your amount 0.85% $25,000 and up 1.36% Rate checked
More details - Vision One Credit UnionMoney Market CheckingMoney Market Checking · $2,500 min · 0.85%–3.00% by balance
Credit union · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Tiered rate share account. Dividends are compounded and credited monthly based on the average daily balance for the calendar month dividend period. A $5.00 monthly service fee applies if the minimum balance is not maintained at the time the fee is assessed; waived with a minimum of $2,500. Account transfer limitations allow no more than six transfers/withdrawals per month by pre-authorized, automatic, internet, telephone, check, draft, or debit card.
Offer: Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.
0.85% interest rate · $5 monthly fee · Effective Mar 1, 2025
Rate by balance
Rate by balance for Money Market Checking Balance APY $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 0.85% $25,000 – $49,999 0.90% $50,000 – $89,999 0.90% $90,000 – $249,999 0.95% $250,000 – $349,999 3.00% $350,000 and up 3.00% Rate checked
More details - The Police Credit UnionSmart Advantage Money Market AccountSmart Advantage Money Market Account · $2,500 min · 0.80%–3.66% by balance
Credit union · 5 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: Requires credit union membership. Allows up to 6 checks written per month.
Offer: Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly.
Qualified rate · 0.80% interest rate
Rate by balance
Rate by balance for Smart Advantage Money Market Account Balance APY $2,500 – $15,000Your amount 0.80% $15,000 – $50,000 2.00% $50,000 – $100,000 2.60% $100,000 – $150,000 3.41% $150,000 – $250,000 3.46% $250,000 and up 3.66% Rate checked
More details - 0.80%APY$80 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: Standard rate earned automatically with no additional requirements needed. Variable rate. No minimum balance requirement.
Qualified rate · 0.80% interest rate · No monthly fee
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 225 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Sun Community Federal Credit UnionOpportunity Money MarketOpportunity Money Market · $500 min · 0.45%–3.25% by balance
Credit union · 8 branches
0.80%APY$80 a year on $10,000Requirements
Product: Tiered rate structure. Monthly service fee of $10 can be waived with a minimum balance of $2,500.
Offer: Monthly fee of $10 waived with minimum balance of $2,500.
0.45% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Opportunity Money Market Balance APY Up to $2,500 0.45% $2,500 – $25,000Your amount 0.80% $25,000 – $50,000 0.90% $50,000 – $100,000 1.00% $100,000 and up 1.10% $1,000,000 and up 3.00% $5,000,000 and up 3.25% Rate checked
More details - Noble Credit UnionMoney Market Advantage AccountMoney Market Advantage Account · $2,500 min · 0.75%–1.36% by balance
Credit union · 8 branches
0.80%APY$80 a year on $10,000Requirements
Product: Dividends calculated on Average Daily Balance and paid monthly. Unlimited deposits. Variable rate.
0.75% interest rate · No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Advantage Account Balance APY $2,500 and up 0.75% $10,000 and upYour amount 0.80% $50,000 and up 0.80% $100,000 and up 1.36% $500,000 and up 1.36% 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