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 16–30 results in California
- Beverly Hills City Employees Federal Credit UnionAdvantage Choice Money MarketAdvantage Choice Money Market · $1,000 min
Credit union · 1 branch
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: To qualify, member must maintain a Nuvision checking account with a balance of at least $500. One Advantage Choice Money Market Account Per Household. Opening deposit must be new money not currently on deposit. Reverse tier structure provides higher rate tiers with lower balances.
Offer: Earn up to 4.00% APY. Minimum balance of $1,000 required to open and must be new money not currently on deposit at the credit union. Requires maintaining a Nuvision checking account with a balance of at least $500. One account per household. Reverse tier structure provides higher rate tiers with lower balances.
Qualified rate
Rate checked
More details - Redwood Credit UnionPremier MMPremier MM · $2,500 min · 4.00%–4.15% by balance
Credit union · 23 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Minimum balance of $2,500 to earn dividends and: an active checking account at RCU (minimum 3 transactions per month excluding 24-hour telephone teller, fee or dividend posting transactions), an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances per month), and one of the following: minimum monthly digital deposit of $500 or more, open loan at RCU in good standing, investment account through Redwood Wealth Management with minimum balance of $5,000, or active property and casualty insurance policy through RCU Insurance Services.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier MM Balance APY $2,500 and up 4.00% $10,000 and upYour amount 4.00% $25,000 and up 4.00% $50,000 and up 4.00% $100,000 and up 4.00% $150,000 and up 4.05% $250,000 and up 4.05% $500,000 and up 4.15% $1,000,000 and up 4.15% Rate checked
More details - Heritage Community Credit UnionFree Kasasa SaverSavings · $25 min · 0.10%–4.00% by balance
Credit union · 3 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Qualification requires enrollment in online banking with login at least once per Monthly Qualification Cycle and conducting at least 12 posted debit card transactions. Requires monthly enrollment in eStatements. No monthly maintenance fee.
Offer: When qualifications on linked Kasasa Cash or Kasasa Cash Back account are met.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $50,000Your amount 4.00% $50,000 and up 0.10%* Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY).
Offer: To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY).
Qualified rate · 3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 4.00% $25,000 – $50,000 2.00% Over $50,000 0.05% Rate checked
More details - Justice Federal Credit UnionFreedom Direct SavingsSavings · $0 min · 0.15%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 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: Qualifying rate requires direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.
Qualified rate · 3.94% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Freedom Direct Savings Balance APY Up to $25,000Your amount 4.00% Over $25,000 0.15% Rate checked
More details - Nuvision Credit UnionAdvantage Choice Money MarketAdvantage Choice Money Market · $1,000 min
Credit union · 20 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Must maintain a Nuvision checking account with a balance of at least $500. Opening deposit of at least $1,000 must be new money not currently on deposit at the credit union. Limit one account per household.
Offer: Earn up to 4.00% APY with reverse tiers providing higher rates on lower balances. Opening deposit must be new money not currently on deposit. Requires maintaining a Nuvision checking account with at least a $500 balance. Limit one per household.
Qualified rate
Rate checked
More details - 3.99%APY$399 a year on $10,000
Requirements
Product: Membership is required. New money deposits only (funds originating outside SkyOne Federal Credit Union). Limit one Altitude Savings Account per primary membership number. Variable-rate account.
Offer: Requires new money only. No direct deposit required. Dividends compounded and credited monthly based on average daily balance method.
3.92% interest rate · No monthly fee · Effective Sep 15, 2026
Rate checked
More details - 3.95%APY$395 a year on $10,000
Requirements
Product: Requires $10 minimum monthly automatic deposit. Additional deposits allowed up to $10,000 per month. Limited to $100,000 total in one or multiple dedicated savings accounts. Early withdrawal penalties may apply. Maintenance or activity fees could reduce earnings.
Offer: Requires $10 minimum monthly automatic deposit. Maximum deposit $10,000 per month, up to $100,000 total across accounts. Early-withdrawal penalties may apply. Dividends credited monthly.
3.88% interest rate · Effective Oct 21, 2026
Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - 3.80%APY$380 a year on $10,000with conditions
Requirements
Product: Online-only product. Must have Hana Bank USA checking account to receive promotional APY.
Offer: $10 monthly service charge waived if average daily balance of $500 is maintained. Must have Hana Bank USA checking account to receive promotional APY.
Qualified rate · $10 monthly fee · Effective Sep 28, 2026
Rate checked
More details - 3.80%APY$380 a year on $10,000
Requirements
Product: Open online; individual or joint account. Must be a U.S. citizen or permanent resident, 18 years or older with U.S. residential address (no P.O. Box). Funded via ACH from a single linked account.
Offer: Earns 3.80% APY on all balances over $0.01. Interest accrues daily, compounds monthly, and is paid monthly. No account fees.
No monthly fee · Effective Jan 8, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000with conditions
Requirements
Product: The Premium Savings Account has two APY rates: base (lower) APY and bonus (higher) APY. In order to qualify for the bonus APY, a checking account type (excluding Business Accounts) is required within the same membership account. To receive bonus APY, meet three monthly requirements: (1) 10 or more debit/credit card purchases, (2) 1 direct deposit, payroll deposit, or external ACH transfer into checking, and (3) eStatements selected.
Offer: Requirements met: 10 or more card purchases (debit/credit), 1 direct deposit/payroll deposit/external ACH into checking, and eStatements selected.
Qualified rate · 3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000intro rate
Requirements
Product: No monthly maintenance fees, no minimum balance requirements, and no minimum initial deposit. Limited-time promotional 0.26% APY Boost (total 4.01% APY) available for eligible new customers using promo code SUM26 for accounts opened 10/01/2026 through 10/31/2026.
Offer: Promotional APY Boost of 0.26% added to base APY for the first 6 statement cycles for new customers who open an account with promo code SUM26 between October 1, 2026 and October 31, 2026. Variable rate.
Promotional rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Summit Savings Balance APY Any balance 4.01% $10,000 – $25,000Your amountStandard base rate. No minimum balance to earn APY. 3.75% $25,000 – $50,000Standard base rate. No minimum balance to earn APY. 3.75% $50,000 – $100,000Standard base rate. No minimum balance to earn APY. 3.75% $100,000 and upStandard base rate. No minimum balance to earn APY. 3.75% Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 7 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - California Credit UnionPremium Money Market Account - CovinaPremium Money Market Account - Covina · $2,500 min
Credit union · 25 branches
3.65%APY$365 a year on $10,000Requirements
Product: Exclusively for new members at the Covina Branch; must be opened in-branch. Requires new money or transfer from another financial institution. Excludes business accounts. A minimum daily balance of $2,500 is required to avoid a $5 monthly service fee.
Offer: Earn up to 3.65% APY. Requires $2,500 opening deposit of new money and $0.01 minimum daily balance to earn dividends. $5 monthly fee if balance falls below $2,500 on any day of the month. Exclusively for new members at Covina Branch and must be opened in-branch.
$5 monthly fee
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 16–22
- 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