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 451–465 results in California
- Schools Federal Credit UnionYou Name ItSavings · $100 min · 0.00%–0.10% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Tiered Variable Rate. Minimum opening balance is $10.00. Once established, a withdrawal must be equal to your entire account balance.
0.00% interest rate
Rate by balance
Rate by balance for You Name It Balance APY $100 – $2,499 0.00% $2,500 – $9,999 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - Schools Federal Credit UnionRegular SharesSavings · $100 min · 0.00%–0.10% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Dividends are calculated on daily balance and compound quarterly. Minimum opening deposit is $5.00.
0.00% interest rate
Rate by balance
Rate by balance for Regular Shares Balance APY $100 – $2,499 0.00% $2,500 – $9,999 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Compounds quarterly. Earn dividends on balances of $100 or more ($100 minimum to earn dividends). No monthly service fee; $3.00 monthly paper statement fee waived with eStatements.
Offer: Earn dividends on balances $100 or more.
0.10% interest rate · No monthly fee · Effective Oct 23, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership account required for all credit union members. Becoming a member gives access to all credit union products and services. Vida deposits the $5 membership share.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Available to credit union members. Par value of one share is $5.
Offer: Variable rate, anticipated for current dividend period and subject to change without notice. Earns interest on balances of $250 or more. No monthly fee.
0.10% interest rate · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: $100 minimum opening deposit ($0 for California Uniform Transfer to Minors Act accounts). No monthly maintenance fee with electronic statements (paper statement fee applies). Premier Plus Rewards adds 0.01% Silver, 0.02% Gold, 0.03% Platinum to base rate if combined deposits >= $25k and Premier Plus Checking held.
Offer: Standard tier for all balances.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly maintenance fee is $25, waived for the first two account cycles after opening or when meeting one of the following requirements during the monthly account cycle: average daily ledger account balance of $50,000 or more; combined average daily ledger balance of $50,000 or more in related deposit balances; or maintaining an account relationship with Exchange Bank Trust and Investments. Excessive withdrawal fee of $15 applies per withdrawal over six withdrawals or transfers per monthly cycle.
Offer: Standard tier for balance of $24,999 or less.
Qualified rate · 0.10% interest rate · $25 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Signature Plus Savings Balance APY Up to $24,999Your amount 0.10% $25,000 – $99,999 0.11% $100,000 – $249,999 0.16% $250,000 – $499,999 0.18% $500,000 – $999,999Effective as of 10/6/2026. Premier Plus Rewards Program: Silver tier adds 0.01% rate reward, Gold adds 0.02%, Platinum adds 0.03%. To qualify for rewards: must have a Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances. 0.17% $1,000,000 and up 0.21% Rate checked
More details - Flagstar BankFlagstar Performance SavingsSavings · $1 min · 0.10%–3.20% by balance
Bank · 12 branches
0.10%APY$10 a year on $10,000Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: A $10.00 minimum balance in your Regular Share (Savings) Account represents you as a member/owner and maintains your Mission City FCU membership. Dividends compounded and paid monthly.
Effective Oct 16, 2026
Rate checked
More details - Strata Credit UnionMoney MarketMoney Market · $2,500 min · 0.00%–0.25% by balance
Credit union · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. Minimum opening deposit is $2,500.00. Membership is open to those who live, work, or attend an educational or religious institution in Kern County.
Offer: A $5.00 monthly service fee applies if minimum daily balance of $2,500.00 is not maintained. No dividends earned on balances under $1.00.
0.00% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1 0.00% Up to $2,499 0.05% $2,500 – $9,999 0.05% $10,000 – $49,000Your amount 0.10% $50,000 – $99,999 0.15% $100,000 and up 0.25% Rate checked
More details - Financial Partners Credit UnionMoney Market CheckingMoney Market Checking · $0 min · 0.05%–0.15% by balance
Credit union · 14 branches
0.10%APY$10 a year on $10,0000.05% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $4,999 0.05% $5,000 – $24,999Your amount 0.10% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 and up 0.15% Rate checked
More details - SAFE Credit UnionCapitol Access Money MarketCapitol Access Money Market · $25 min · 0.05%–0.15% by balance
Credit union · 18 branches
0.10%APY$10 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 $2,000. Earns highest dividend rate for which daily balance qualifies on entire account balance.
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Capitol Access Money Market Balance APY Up to $2,000 0.05% $2,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.10% $50,000 – $100,000 0.10% $100,000 – $200,000 0.10% $200,000 – $500,000 0.10% $500,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must maintain Membership with a $5 minimum balance. ChexSystems verification required.
Offer: Variable rate account; rate subject to change after account opening.
0.10% interest rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Includes Regular Savings & Secondary Savings for savings goals and emergencies. Interest compounded daily, paid monthly.
0.10% interest rate · Compounded daily · No monthly fee · Effective Oct 12, 2026
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