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 286–300 results in California
- Merced School Employees Federal Credit UnionRedi-Cash 0026Savings · $1,000 min · 0.35%–0.70% by balance
Credit union · 8 branches
0.35%APY$35 a year on $10,000Requirements
Product: Fee is waived if funds are transferred online or through the automated telephone system.
Offer: Variable rate. Tiered balance $1,000 - $99,999.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Redi-Cash 0026 Balance APY $1,000 – $99,999Your amount 0.35% $100,000 – $999,999 0.70% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: No monthly maintenance fees.
0.30% interest rate · No monthly fee · Effective Aug 14, 2026
Rate by balance
Rate by balance for Core Savings Balance APY Up to $10,000 0.30% $10,000 – $50,000Your amount 0.35% $50,000 – $100,000 0.38% $100,000 and up 0.40% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 77 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - Heritage Community Credit UnionDiamond Select Money Market AccountsDiamond Select Money Market Accounts · $1,000 min · 0.35%–0.70% by balance
Credit union · 3 branches
0.35%APY$35 a year on $10,000Requirements
Product: Variable rate account; rates may change after account is opened. Fees may reduce earnings, and transaction limitations apply.
Offer: Tier 1 balance tier.
0.35% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Diamond Select Money Market Accounts Balance APY Up to $25,000Your amount 0.35% $25,000 – $50,000Tier 2 balance tier. 0.45% $50,000 – $100,000Tier 3 balance tier. 0.55% $100,000 – $200,000Tier 4 balance tier. 0.65% $200,000 – $1,000,000Tier 5 balance tier. 0.70% $1,000,000 and upTier 6 balance tier. 0.70% Rate checked
More details - Corazo Credit UnionMoney MarketMoney Market · $1,000 min · 0.35%–0.75% by balance
Credit union · 4 branches
0.35%APY$35 a year on $10,000Requirements
Product: Dividends are tiered based on average daily balance. $1,000 minimum opening deposit and $1,000 minimum balance to earn dividends. Rate is variable.
Offer: Variable rate. Minimum $1,000 to earn dividend. Dividend rate paid on the balance in this tier.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000Your amount 0.35% $10,001 – $25,000 0.65% $25,001 – $50,000 0.70% $50,001 and up 0.75% Rate checked
More details - Arrowhead Credit UnionMoney MarketMoney Market · $2,500 min · 0.35%–1.10% by balance
Credit union · 20 branches
0.35%APY$35 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Monthly fee of $10 is waived with an average daily balance of $2,500 or more.
Offer: Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+.
$10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.35% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.75% $250,000 – $500,000 1.00% $500,000 and up 1.10% Rate checked
More details - BluPeak Credit UnionBluRipple SavingsSavings · $25 min · 0.05%–0.75% by balance
Credit union · 6 branches
0.35%APY$35 a year on $10,000Requirements
Product: Must meet membership and account criteria. Available to all ages; members under 18 require a parent or guardian joint on the account. No monthly maintenance fees and no minimum balance required.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for BluRipple Savings Balance APY Up to $1,000 0.05% $1,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 – $100,000 0.55% $100,000 – $250,000 0.65% $250,000 and up 0.75% Rate checked
More details - Merced School Employees Federal Credit UnionRedi-Cash 0026Redi-Cash 0026 · $1,000 min · 0.35%–0.70% by balance
Credit union · 8 branches
0.35%APY$35 a year on $10,000Requirements
Product: Rates are variable and may change at any time as determined by the Board of Directors. Minimum opening balance is $1,000 and minimum balance to earn dividends is $1,000.
Offer: Dividend declaration date: 2/1/23.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Redi-Cash 0026 Balance APY $1,000 – $99,999Your amount 0.35% $100,000 – $999,999 0.70% Rate checked
More details - Mokelumne Federal Credit UnionMoney MarketMoney Market · $500 min · 0.35%–0.50% by balance
Credit union · 2 branches
0.35%APY$35 a year on $10,000Requirements
Offer: Rate type is Variable. Minimum to earn dividends is $500.
0.35% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $500 – $14,999Your amount 0.35% $15,000 – $24,999Minimum to earn dividends is $15,000. 0.40% $25,000 – $49,999Minimum to earn dividends is $25,000. 0.45% $50,000 – $999,999Minimum to earn dividends is $50,000. 0.50% Rate checked
More details - Summit State BankPersonal Money MarketPersonal Money Market · 0.00%–0.35% by balance
Bank · 4 branches
0.35%APY$35 a year on $10,000Requirements
Product: Must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates are subject to change after the account is opened. Fees could reduce earnings on the account. APY is subject to change without prior notice.
Offer: Under $2,500
0.00% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Any balance 0.00% $2,500 and upYour amount$2,500 and above 0.35% Rate checked
More details - ILWU Credit UnionSafe Harbor Money Market AccountSafe Harbor Money Market Account · $2,500 min · 0.10%–0.65% by balance
Credit union · 5 branches
0.35%APY$35 a year on $10,000Requirements
Product: Tiered dividend rates based on balance. No early withdrawal penalty; free withdrawals.
Offer: Safe Harbor - Tier One
No monthly fee · Effective May 1, 2023
Rate by balance
Rate by balance for Safe Harbor Money Market Account Balance APY $1,000 and up 0.10% $5,000 and upYour amountSafe Harbor - Tier Two 0.35% $25,000 and upSafe Harbor - Tier Three 0.40% $50,000 and upSafe Harbor - Tier Four 0.45% $100,000 and upSafe Harbor - Tier Five 0.55% $250,000 and upSafe Harbor - Tier Six 0.65% Rate checked
More details - Farmers Insurance Federal Credit UnionMoney Market with Direct DepositMoney Market with Direct Deposit · $1,000 min · 0.30%–0.50% by balance
Credit union · 2 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Requires direct deposit in the amount of $1,000.00 or more monthly into FIGFCU Checking Account (either High Yield or CashBack), or bi-monthly deposits of $500 each. If qualifying DDEP cannot be verified while active, first succeeding DDEP must be received within a maximum of 60 days from account opening. If DDEP is cancelled or falls below qualifying threshold, bonus rate is reduced by 0.25%. Check-writing abilities; unlimited in-person transactions; all withdrawals must be at least $250. Membership eligibility required.
Offer: Tier 1: Up to $9,999.99. Includes 0.25% direct deposit rate bonus.
Qualified rate · Effective Sep 18, 2025
Rate by balance
Rate by balance for Money Market with Direct Deposit Balance APY Up to $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.40% $50,000 – $100,000 0.45% $100,000 and up 0.50% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.23%–0.73% by balance
Bank · 19 branches
0.33%APY$33 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.
Qualified rate · 0.23% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.23% $10,000 – $49,999Your amount 0.33% $50,000 – $99,999 0.38% $100,000 and up 0.73% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.22%–0.72% by balance
Bank · 19 branches
0.32%APY$32 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.
Qualified rate · 0.22% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.22% $10,000 – $49,999Your amount 0.32% $50,000 – $99,999 0.37% $100,000 and up 0.72% Rate checked
More details - Rancho Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.32%–0.80% by balance
Credit union · 3 branches
0.32%APY$32 a year on $10,000Requirements
Product: Members must maintain the required minimum balance tier to earn the stated dividend/apy. Dividends paid monthly. Minimum opening balance $2,500.00.
Offer: Minimum balance $2,500.00 to $49,999.99.
0.32% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $50,000Your amount 0.32% $50,000 – $99,999 0.60% $100,000 – $249,999Rate 0.59%, APY 0.60%. 0.60% $250,000 and up 0.80% 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