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 El Centro, CA metro
- 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 - 2.75%APY$275 a year on $10,000
Requirements
Product: Maturity date: April 1st. Monthly maximum deposit of $1,000. Maximum balance of $12,000.
Offer: Fixed rate type. Minimum balance to earn dividend is $50.
2.72% interest rate · Balance cap $12,000 · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.75%APY$175 a year on $10,000
Requirements
Product: Dividends are paid monthly. Maximum balance of $10,000.
Offer: Variable rate type. Minimum balance to earn dividend is $5.
1.74% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Sun Community Federal Credit UnionOpportunity Money Market with Active CheckingOpportunity Money Market with Active Checking · $500 min · 0.60%–3.50% by balance
Credit union · 6 branches
0.90%APY$90 a year on $10,000with conditionsRequirements
Product: Requires active checking account (at least 10 POS, ATM, or debit/credit transactions must clear the account each month; ACH or checks do not qualify). Monthly service fee of $10 can be waived with a minimum balance of $2,500.
Offer: Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.
Qualified rate · 0.60% interest rate · $10 monthly fee · Effective Oct 7, 2026
Rate by balance
Rate by balance for Opportunity Money Market with Active Checking Balance APY Up to $2,500 0.60% $2,500 – $25,000Your amount 0.90% $25,000 – $50,000 1.10% $50,000 – $100,000 1.25% $100,000 and up 1.35% $1,000,000 and up 3.25% $5,000,000 and up 3.50% Rate checked
More details - Sun Community Federal Credit UnionOpportunity Money MarketOpportunity Money Market · $500 min · 0.45%–3.25% by balance
Credit union · 6 branches
0.80%APY$80 a year on $10,000Requirements
Product: Tiered rate structure. Monthly service fee of $10 can be waived with a minimum balance of $2,500.
Offer: Monthly fee of $10 waived with minimum balance of $2,500.
0.45% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Opportunity Money Market Balance APY Up to $2,500 0.45% $2,500 – $25,000Your amount 0.80% $25,000 – $50,000 0.90% $50,000 – $100,000 1.00% $100,000 and up 1.10% $1,000,000 and up 3.00% $5,000,000 and up 3.25% Rate checked
More details - Corazo Credit UnionMoney MarketMoney Market · $1,000 min · 0.35%–0.75% by balance
Credit union · 4 branches
0.35%APY$35 a year on $10,000Requirements
Product: Dividends are tiered based on average daily balance. $1,000 minimum opening deposit and $1,000 minimum balance to earn dividends. Rate is variable.
Offer: Variable rate. Minimum $1,000 to earn dividend. Dividend rate paid on the balance in this tier.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000Your amount 0.35% $10,001 – $25,000 0.65% $25,001 – $50,000 0.70% $50,001 and up 0.75% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: $50 minimum balance to earn dividends.
0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Required for all members; represents your share in credit union. The required $5 deposit is refundable. No monthly fee.
Offer: $50 minimum balance requirement to obtain the disclosed annual percentage yield (APY). No monthly fee. Refundable $5 deposit.
0.05% interest rate · No monthly fee · Effective Oct 7, 2026
Rate checked
More details - 0.05%APY$5 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 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 - Corazo Credit UnionRegular SavingsSavings · $5 min · 0.05%–0.10% by balance
Credit union · 4 branches
0.05%APY$5 a year on $10,000Requirements
Product: Dividends are paid monthly. Member share account required for credit union membership.
Offer: Variable rate type. Minimum balance to earn dividend is $5.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000Your amount 0.05% $10,001 and up 0.10% Rate checked
More details - Corazo Credit UnionRainy Day SavingsSavings · $5 min · 0.05%–0.10% by balance
Credit union · 4 branches
0.05%APY$5 a year on $10,000Requirements
Offer: Variable rate type. Minimum balance to earn dividend is $5.
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Rainy Day Savings Balance APY Up to $10,000Your amount 0.05% $10,001 and up 0.10% 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 El Centro, CA metro
25 accounts at 7 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.35%
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El Centro, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Corazo Credit UnionCredit union · 4 branches