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 Francisco, CA metro
- 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 - 4.40%APY$440 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: Relationship APY when eligibility requirements are met.
Qualified rate
Rate checked
More details - 4.35%APY$435 a year on $10,000intro rate
Requirements
Product: Promotional rate available on eligible new money deposited from October 1 through December 31, 2026. Existing balance baseline as of September 30, 2026 earns the standard APY. New money refers to funds not currently held at SF Fire Credit Union or funds held in another SF Fire account for 30 days or less. Active and retired Fire Department employees qualify for a 0.25% promotional rate bump on new money (4.60% APY) and a 0.10% bump on standard balance.
Offer: Applies to eligible new money deposited October 1 through December 31, 2026 (above the September 30, 2026 baseline for existing accounts). Beginning January 1, 2027, balances earn the then-current standard APY. Active and retired Fire Department employees qualify for a 0.25% rate bump to 4.60% APY.
Promotional rate · 4.26% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 4.20%APY$420 a year on $10,000intro rate
Requirements
Product: Available exclusively online and by phone; not available to open through financial centers. Variable rate account, APY may change without notice.
Offer: APY is for new accounts only and may not apply to existing accounts. Variable rate. Fees may reduce earnings. Interest compounded daily.
Promotional rate · Compounded daily · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - Redwood Credit UnionPremier MMPremier MM · $2,500 min · 4.00%–4.15% by balance
Credit union · 5 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Minimum balance of $2,500 to earn dividends and: an active checking account at RCU (minimum 3 transactions per month excluding 24-hour telephone teller, fee or dividend posting transactions), an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances per month), and one of the following: minimum monthly digital deposit of $500 or more, open loan at RCU in good standing, investment account through Redwood Wealth Management with minimum balance of $5,000, or active property and casualty insurance policy through RCU Insurance Services.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier MM Balance APY $2,500 and up 4.00% $10,000 and upYour amount 4.00% $25,000 and up 4.00% $50,000 and up 4.00% $100,000 and up 4.00% $150,000 and up 4.05% $250,000 and up 4.05% $500,000 and up 4.15% $1,000,000 and up 4.15% Rate checked
More details - Nuvision Credit UnionAdvantage Choice Money MarketAdvantage Choice Money Market · $1,000 min
Credit union · 7 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 - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
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 $10,000with conditions
Requirements
Product: The Premium Savings Account has two APY rates: base (lower) APY and bonus (higher) APY. In order to qualify for the bonus APY, a checking account type (excluding Business Accounts) is required within the same membership account. To receive bonus APY, meet three monthly requirements: (1) 10 or more debit/credit card purchases, (2) 1 direct deposit, payroll deposit, or external ACH transfer into checking, and (3) eStatements selected.
Offer: Requirements met: 10 or more card purchases (debit/credit), 1 direct deposit/payroll deposit/external ACH into checking, and eStatements selected.
Qualified rate · 3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - Travis Credit UnionDiamond Money MarketDiamond Money Market · $100 min · 3.50%–3.85% by balance
Credit union · 7 branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Exclusive offer for new members only (defined as not having a TCU Share Savings account within the past 90 days). Only new money qualifies (funds not currently on deposit with Travis Credit Union). Available through end of day 12-31-2026. Rate is variable. Minimum opening deposit is $100. Membership required ($5 fee, $5 deposit) for 12-county service area.
Offer: New members only with new money. Offer available through 12-31-2026.
Promotional rate · 3.45% interest rate
Rate by balance
Rate by balance for Diamond Money Market Balance APY Up to $50,000Your amount 3.50% $50,000 – $250,000 3.70% $250,000 and up 3.85% 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 - Stanford Federal Credit UnionCompanion AccountSavings · 0.10%–3.25% by balance
Credit union · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Must be linked to a Certificate and funded with new money from another financial institution. Membership eligibility required.
Offer: Rate if the linked Certificate is closed (converts to a Share/Savings Account).
Qualified rate · 0.10% interest rate · No monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for Companion Account Balance APY Any balance 0.10% $50 and upYour amountApplies to balances up to those in the linked Certificate. 3.25% Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 4 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Chevron Federal Credit UnionMarketEdge Money Market SavingsMarketEdge Money Market Savings · $0 min · 0.75%–3.25% by balance
Credit union · 4 branches
3.15%APY$315 a year on $10,000Requirements
Product: High-yield savings account with checks and debit card convenience. No term restrictions. Balances below $2,500 earn regular Primary Share Savings rate. Requires maintaining $25 minimum balance in Primary Share Savings account.
Offer: Balances below $2,500 earn regular Primary Share Savings dividend rate.
0.75% interest rate · No monthly fee
Rate by balance
Rate by balance for MarketEdge Money Market Savings Balance APY Up to $2,500 0.75% $2,500 – $10,000 3.15% $10,000 – $25,000Your amount 3.15% $25,000 – $50,000 3.25% $50,000 – $100,000 3.25% $100,000 – $250,000 3.25% $250,000 and up 3.25% 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 Francisco, CA metro
225 accounts at 80 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.77%
- Banks, typical
- 0.12%
- Credit unions, typical
- 0.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches