Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in San Diego, CA metro
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Part of Axos ONE checking and savings bundle. No monthly maintenance fees, opening fees, minimum balance requirements, or overdraft fees. Includes limited-time 0.79% APY Boost offer for new customers who open a new bundle between 10/01/2026 and 10/31/2026.
Offer: Limited-time APY Boost for eligible new customers opening a new Axos ONE bundle between 10/01/2026 and 10/31/2026. Earns 0.79% APY Boost (total 5.00% APY) for first 6 statement cycles on balances up to $49,999.99 when meeting Option 1 or Option 2 qualification requirements on linked Axos ONE Checking and maintaining average daily savings balance <= $249,999.99.
Qualified rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Axos ONE Savings Balance APY Up to $50,000Your amount 5.00% $50,000 – $100,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $100,000 – $150,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $150,000 – $200,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $200,000 – $250,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $250,000 – $500,000Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $500,000 – $750,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $750,000 – $1,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $1,000,000 – $2,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $2,000,000 – $3,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $3,000,000 and upBoosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% Rate checked
More details - 4.50%APY$450 a year on $10,000with conditions
Requirements
Product: Available to new members age 18 or older (considered a new member for 30 calendar days following account opening). Must be accessed through online or mobile banking.
Offer: To earn 4.50% APY: enroll in eStatements, maintain an active Nuvision Checking Account (requires at least 10 qualifying debit card transactions during calendar month), and log in to online or mobile banking at least once during prior calendar month.
Qualified rate · No monthly fee · Effective Apr 30, 2026
Rate by balance
Rate by balance for Digital Savings Balance APY Up to $25,000Your amount 4.50% $25,000 and up 0.10% Rate checked
More details - 4.36%APY$436 a year on $10,000with conditions
Requirements
Product: Designed to complement a Jumbo CD. Open any Jumbo CD with Home Bank of California and deposit up to the same amount as CD opening balance into Companion Savings Account. Minimum $10,000 opening deposit.
Offer: Must open a new Jumbo CD (minimum $10,000 opening deposit) to open a Companion Savings Account. You can deposit up to the principal amount of the CD. Account can remain open even after CD matures or is closed.
Qualified rate · 4.28% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.21%APY$421 a year on $10,000with conditions
Requirements
Product: Part of Axos ONE checking and savings bundle. No monthly maintenance fees, opening fees, minimum balance requirements, or overdraft fees. Includes limited-time 0.79% APY Boost offer for new customers who open a new bundle between 10/01/2026 and 10/31/2026.
Offer: Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid.
Qualified rate · 4.12% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Axos ONE Savings Balance APY Up to $50,000Your amount 4.21% $50,000 – $100,000Standard base rate when promotional qualification criteria are not met. 1.00% $100,000 – $150,000Standard base rate when promotional qualification criteria are not met. 1.00% $150,000 – $200,000Standard base rate when promotional qualification criteria are not met. 1.00% $200,000 – $250,000Standard base rate when promotional qualification criteria are not met. 1.00% $250,000 – $500,000Standard base rate when promotional qualification criteria are not met. 1.00% $500,000 – $750,000Standard base rate when promotional qualification criteria are not met. 1.00% $750,000 – $1,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $1,000,000 – $2,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $2,000,000 – $3,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $3,000,000 and upStandard base rate when promotional qualification criteria are not met. 1.00% Rate checked
More details - 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
Rate checked
More details - Nuvision Credit UnionAdvantage Choice Money MarketAdvantage Choice Money Market · $1,000 min
Credit union · 2 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 - 3.80%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 $10,000intro 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 - California Credit UnionPremium Money Market Account - CovinaPremium Money Market Account - Covina · $2,500 min
Credit union · 11 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 - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - California Credit UnionPremium Money Market Account - Temecula-MurrietaPremium Money Market Account - Temecula-Murrieta · $2,500 min
Credit union · 11 branches
3.50%APY$350 a year on $10,000Requirements
Product: Exclusively for new members at the Temecula-Murrieta Branch; must be opened in-branch. Requires new money or transfer from another financial institution. Excludes business accounts. A Share Account with $0.01 Par Value is required to establish membership. A minimum daily balance of $2,500 is required to avoid a $5 monthly service fee.
Offer: Earn up to 3.50% 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 Temecula-Murrieta Branch and must be opened in-branch. A Share Account with $0.01 Par Value is required to establish membership.
$5 monthly fee
Rate checked
More details - 3.45%APY$345 a year on $10,000
Requirements
Product: Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $500 for accounts opened in a retail branch and $1,000 for accounts opened online. Minimum balance necessary to obtain disclosed APY is $500.00. Quarterly minimum balance fee of $3.00 if daily balance drops below $500 any day of the quarter. Fee of $15.00 assessed if account is closed within 6 months of opening.
Offer: Online rate. Online opening minimum is $1,000. Minimum balance to earn APY tier stated as $0.01+.
3.41% interest rate
Rate checked
More details - 3.10%APY$310 a year on $10,000
Requirements
Product: Requires active digital banking registration and enrollment in eStatements. For primary High-Yield Savings accounts, an initial opening deposit of $5 is required and a minimum balance of $5 must be maintained at all times to avoid account closure (note on p29 states $1 minimum balance and $10 for membership share). Non-primary High-Yield Savings accounts do not require an initial deposit or minimum balance.
Offer: Local Neighborhood Special rate. Applies to non-primary High-Yield Savings accounts which do not require an initial opening deposit or minimum balance.
Effective Apr 17, 2026
Rate checked
More details - Monet BankMoney Market AccountMoney Market Account · $2,500 min · 0.00%–3.35% by balance
Bank · 1 branch
3.10%APY$310 a year on $10,000Requirements
Product: No fixed terms or maturities. Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $1,000 for branch accounts and $2,500 for online accounts.
Offer: Monthly minimum balance fee of $10.00 assessed if daily balance drops below $1,000 any day of statement cycle.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.00% $1,000 – $24,999Your amount 3.10% $25,000 and up 3.35% Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% 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 San Diego, CA metro
129 accounts at 43 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 3.10%
- Banks, typical
- 0.14%
- Credit unions, typical
- 0.10%
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San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches