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 736–750 results in California
- Central State Credit UnionShare Plus AccountsSavings · $2,500 min · 0.03%–0.04% by balance
Credit union · 4 branches
0.03%APY$3 a year on $10,000Requirements
Product: Variable rate. A minimum average daily balance of $2,500 must be maintained to earn dividends and avoid monthly service fee. Up to 3 withdrawals per month.
Offer: Base dividend rate and APY for balances between $2,500 and $9,999. Rate schedule states $2,500 minimum opening deposit ($5 on marketing page).
0.03% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Share Plus Accounts Balance APY $2,500 – $9,999Your amount 0.03% $25,000 and up 0.04% Rate checked
More details - Central State Credit UnionRegular Share AccountsSavings · $500 min · 0.03%–0.04% by balance
Credit union · 4 branches
0.03%APY$3 a year on $10,000Requirements
Product: Variable rate. A minimum average daily balance of $500 must be maintained to earn dividends. Available to member-owners living, working, or worshipping in qualifying counties.
Offer: Base dividend rate and APY for balances between $500 and $49,999.
0.03% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Regular Share Accounts Balance APY $500 – $49,999Your amount 0.03% $50,000 and up 0.04% Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: To open a Share Account, a deposit of $25 is required. All deposited funds earn the rate for the tier.
Offer: Single Service monthly maintenance fee of $5.00 applies if Share Savings balance is under $750.00.
0.01% interest rate
Rate by balance
Rate by balance for Share Balance APY Up to $250 0.01% $250 and upYour amount 0.03% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: $25 Minimum Balance, $100 to earn Dividends. Fees may reduce earnings. Rate may change after account is opened.
0.02% interest rate
Rate checked
More details - First BankPerformance Money MarketPerformance Money Market · $100 min · 0.01%–0.02% by balance
Bank · 45 branches
0.02%APY$2 a year on $10,000Requirements
Product: Avoid a Monthly Maintenance Fee if certain conditions are met. Check writing privileges. Open with as little as $100.00.
Offer: Variable-rate account; APY may change any time after the account is opened. Fees may reduce earnings.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Performance Money Market Balance APY Up to $2,500 0.01% $2,500 – $10,000 0.01% $10,000 – $25,000Your amount 0.02% $25,000 – $50,000 0.02% $50,000 and up 0.02% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Free to open. No monthly service fees.
Offer: Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. No monthly service fees.
0.02% interest rate · No monthly fee · Effective Jul 1, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Offer: Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
0.02% interest rate · Effective Jul 1, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
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 Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Monthly maintenance fee of $3 (waived by maintaining a minimum daily balance of $200 or receiving at least $25 in automatic transfers from a linked checking account). Limited to 6 withdrawals/transfers per monthly statement cycle.
Offer: Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly.
0.02% interest rate · Compounded daily · $3 monthly fee · Effective Oct 7, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $1,000 0.02% $1,000 – $5,000 0.02% $5,000 – $25,000Your amount 0.02% $25,000 – $50,000 0.04% $50,000 – $100,000 0.05% $100,000 and up 0.07% Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Rates listed are for accounts opened online. Must be 18 or older, a U.S. citizen or resident alien, and reside in AZ, CA, CO, IL, IA, KS, MN, MO, NE, NM, OK, TX, UT, or WI to open online.
Offer: Monthly service fee waived with $100 minimum daily ledger balance.
0.02% interest rate · $3 monthly fee · Effective Sep 17, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: $5.00 monthly service fee is waived with a $500 monthly average balance.
Offer: $5.00 monthly service fee is waived with a $500 monthly average balance.
0.02% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Consumer Signature Savings Balance APY Up to $25,000Your amount 0.02% $25,000 – $50,000 0.03% $50,000 – $100,000 0.04% $100,000 – $1,000,000,000 0.05% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Dividends compounded and paid quarterly on balances above $200.
Offer: Variable rate type. Minimum opening balance $20; minimum to earn dividend $200.
0.02% interest rate
Rate checked
More details - SF Fire Credit UnionTiered SavingsSavings · $0 min · 0.02%–0.05% by balance
Credit union · 3 branches
0.02%APY$2 a year on $10,000Requirements
Product: Free overdraft protection source with instant account-to-account transfers and $0 minimum balance.
Offer: A minimum positive balance of $0.01 is required for dividends to be earned. Variable rate.
0.02% interest rate · Effective Nov 14, 2023
Rate by balance
Rate by balance for Tiered Savings Balance APY Any balance 0.02% $10,000 and upYour amount 0.02% $50,000 and up 0.03% $100,000 and up 0.05% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Monthly service charge of $3 is waived when meeting at least one criterion during the monthly statement cycle: $100 minimum daily balance; automatic funds transfer of at least $25 from Banner Bank personal checking account; or any account owner is aged 24 or younger.
Offer: No minimum balance to obtain APY. Monthly service charge waived with $100 minimum daily balance, automatic transfer of at least $25 from Banner Bank personal checking, or any account owner aged 24 or younger.
0.02% interest rate · $3 monthly fee · Effective Aug 20, 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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