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 616–630 results in California
- 0.05%APY$5 a year on $10,000
Requirements
Product: Initial $5 deposit opens account upon joining.
Offer: Minimum balance to earn dividends is $100.
0.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - MERCO Credit UnionPremier Money Management AccountSavings · $1 min · 0.05%–0.60% by balance
Credit union · 3 branches
0.05%APY$5 a year on $10,000Requirements
Product: Rates are variable and subject to change. Dividends are calculated using the beginning account balance each day, compounded, and paid monthly. Tiered dividends based on balance.
Offer: Dividend rate for $1-$19,999. Rates variable.
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier Money Management Account Balance APY Up to $19,999Your amount 0.05% $20,000 – $49,999Dividend rate for $20,000-$49,999. 0.40% $50,000 and upDividend rate for $50,000 and above. 0.60% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Primary savings/share account that establishes membership in California Community Credit Union. $1.00 to open the account plus a $1.00 one-time membership fee ($2.00 total minimum deposit).
Offer: Variable rate. Minimum $500.00 balance to earn dividends.
0.05% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: Variable rate. Minimum $500.00 balance to earn dividends.
0.05% interest rate · Effective Sep 30, 2026
Rate checked
More details - FedEx Employees Credit AssociationShare Savings AccountSavings · $500 min · 0.01%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: FECA membership required. Accounts insured up to $500,000 ($250,000 by NCUA and $250,000 by ESI).
Effective Oct 13, 2024
Rate by balance
Rate by balance for Share Savings Account Balance APY $500 – $1,000 0.01% $1,000 – $3,000 0.03% $3,000 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
- 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Standard APY.
Qualified rate
Rate checked
More details - Wells FargoWells Fargo Platinum SavingsSavings · $25 min · 0.05%–3.25% by balance
Bank · 761 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Options to avoid $5 monthly participation fee after three months of membership include being a member for >10 years, $500+ combined deposits, active checking, current/paid-off loan, under 25, or investment portfolio. Minimum balance for dividends is $100.
Offer: Minimum $100 balance to earn dividends. Monthly compounding and crediting.
0.05% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Account Maintenance Fee: $6 monthly service charge may be waived with at least $500 in direct deposits each month or maintaining a combined month-end balance of at least $500 across deposit and loan accounts.
Offer: Minimum to open: $5. Minimum to earn dividends: $0. Monthly service charge of $6 may be waived if you receive at least $500 in direct deposits each month or maintain a combined month-end balance of at least $500 across deposit and loan accounts.
0.05% interest rate · $6 monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: Minimum to open: $5. Minimum to earn dividends: $0.
0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes credit union membership. Dividends compound monthly and are paid monthly.
Offer: $100 minimum balance required to earn dividends. $5 minimum balance required to open an account. Dividends compound monthly and are paid monthly.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - California Coast Credit UnionMoney Market IndexMoney Market Index · $1,000 min · 0.00%–0.05% by balance
Credit union · 26 branches
0.05%APY$5 a year on $10,000Requirements
Product: Open with a $1,000 minimum deposit. $10 monthly fee waived with a daily balance of $2,500 or more. Minimum balance of $2,500 required to earn dividends.
Offer: No dividends paid on balances under $2,500.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Index Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.05% $25,000 and up 0.05% Rate checked
More details - California Coast Credit UnionPrimary SavingsSavings · $0 min · 0.00%–0.05% by balance
Credit union · 26 branches
0.05%APY$5 a year on $10,000Requirements
Product: Open with $0. Balance of $50 or more required to earn dividends. $5 monthly fee is waived if a $50 minimum daily balance is maintained, the member is under 18 years of age, the account has been opened less than 6 months, or the account is an Association Account. $5 one-time membership fee required.
Offer: Under $50 earns no dividends. $5 monthly maintenance fee waived if a $50 minimum daily balance is maintained, member is under 18, account open < 6 months, or Association Account.
0.00% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $50 0.00% $50 and upYour amount$50 or more earns 0.05% APY / Dividend Rate. 0.05% Rate checked
More details - California Coast Credit UnionSmart SavingsSavings · $1,000 min · 0.00%–0.05% by balance
Credit union · 26 branches
0.05%APY$5 a year on $10,000Requirements
Product: $1,000 minimum deposit to open and earn dividends. No monthly maintenance fee. $5 one-time membership fee required.
Offer: Under $1,000 earns no dividends.
0.00% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Smart Savings Balance APY Up to $1,000 0.00% $1,000 and upYour amount$1,000 or more earns 0.05% APY / Dividend Rate. 0.05% 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