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 Merced, CA metro
- Travis Credit UnionDiamond Money MarketDiamond Money Market · $100 min · 3.50%–3.85% by balance
Credit union · 2 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 - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - 2.75%APY$275 a year on $10,000with conditions
Requirements
Product: No branch or call center access with this account. Earn 2.75% APY when you have $1,000+ in monthly Direct Deposit to a FIGFCU Checking account; earn the standard 1.75% APY without the Direct Deposit requirement. No maintenance fees or minimum balance requirement.
Offer: With Direct Deposit ($1,000+ monthly ACH Direct Deposit or Agent Net Check into a FIGFCU Checking account).
Qualified rate · No monthly fee
Rate checked
More details - 1.75%APY$175 a year on $10,000with conditions
Requirements
Product: No branch or call center access with this account. Earn 2.75% APY when you have $1,000+ in monthly Direct Deposit to a FIGFCU Checking account; earn the standard 1.75% APY without the Direct Deposit requirement. No maintenance fees or minimum balance requirement.
Offer: Standard rate without direct deposit requirement.
Qualified rate · No monthly fee
Rate checked
More details - MERCO Credit UnionClassic Money Management AccountSavings · $1 min · 0.05%–0.40% by balance
Credit union · 2 branches
0.40%APY$40 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-$2,499. Rates variable.
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Classic Money Management Account Balance APY Up to $2,499 0.05% $2,500 – $7,499Dividend rate for $2,500-$7,499. 0.30% $7,500 and upYour amountDividend rate for $7,500 and above. 0.40% Rate checked
More details - Merced School Employees Federal Credit UnionRedi-Cash 0026Savings · $1,000 min · 0.35%–0.70% by balance
Credit union · 8 branches
0.35%APY$35 a year on $10,000Requirements
Product: Fee is waived if funds are transferred online or through the automated telephone system.
Offer: Variable rate. Tiered balance $1,000 - $99,999.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Redi-Cash 0026 Balance APY $1,000 – $99,999Your amount 0.35% $100,000 – $999,999 0.70% Rate checked
More details - Merced School Employees Federal Credit UnionRedi-Cash 0026Redi-Cash 0026 · $1,000 min · 0.35%–0.70% by balance
Credit union · 8 branches
0.35%APY$35 a year on $10,000Requirements
Product: Rates are variable and may change at any time as determined by the Board of Directors. Minimum opening balance is $1,000 and minimum balance to earn dividends is $1,000.
Offer: Dividend declaration date: 2/1/23.
0.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Redi-Cash 0026 Balance APY $1,000 – $99,999Your amount 0.35% $100,000 – $999,999 0.70% Rate checked
More details - Farmers Insurance Federal Credit UnionMoney Market with Direct DepositMoney Market with Direct Deposit · $1,000 min · 0.30%–0.50% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Requires direct deposit in the amount of $1,000.00 or more monthly into FIGFCU Checking Account (either High Yield or CashBack), or bi-monthly deposits of $500 each. If qualifying DDEP cannot be verified while active, first succeeding DDEP must be received within a maximum of 60 days from account opening. If DDEP is cancelled or falls below qualifying threshold, bonus rate is reduced by 0.25%. Check-writing abilities; unlimited in-person transactions; all withdrawals must be at least $250. Membership eligibility required.
Offer: Tier 1: Up to $9,999.99. Includes 0.25% direct deposit rate bonus.
Qualified rate · Effective Sep 18, 2025
Rate by balance
Rate by balance for Money Market with Direct Deposit Balance APY Up to $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.40% $50,000 – $100,000 0.45% $100,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Funds are distributed to checking or savings account four times per year; additional withdrawals allowed with a $20 fee per withdrawal.
Rate checked
More details - Merced School Employees Federal Credit UnionSpecial Savings 0020Savings · $5 min
Credit union · 8 branches
0.25%APY$25 a year on $10,000Requirements
Offer: Variable rate. Minimum balance to earn dividends is $5.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Merced School Employees Federal Credit UnionRevocable Trust 0062Savings · $5 min
Credit union · 8 branches
0.25%APY$25 a year on $10,000Requirements
Offer: Variable rate. Minimum balance to earn dividends is $5.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Merced School Employees Federal Credit UnionRegular Saving 0001Savings · $5 min
Credit union · 8 branches
0.25%APY$25 a year on $10,000Requirements
Offer: Variable rate. Minimum balance to earn dividends is $5.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Merced School Employees Federal Credit UnionIrrevocable Trust 0061Savings · $5 min
Credit union · 8 branches
0.25%APY$25 a year on $10,000Requirements
Offer: Variable rate. Minimum balance to earn dividends is $5.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Travis Credit UnionJumbo Plus Money MarketJumbo Plus Money Market · $1,000 min · 0.25%–2.45% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Tiered interest rates based on higher balances. $1,000 minimum opening deposit. No monthly maintenance fees.
0.25% interest rate · No monthly fee
Rate by balance
Rate by balance for Jumbo Plus Money Market Balance APY Up to $25,000Your amount 0.25% $25,000 – $50,000 1.95% $50,000 – $100,000 2.30% $100,000 – $250,000 2.35% $250,000 and up 2.45% 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 Merced, CA metro
44 accounts at 10 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 0.39%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.25%
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Merced, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Travis Credit UnionCredit union · 2 branches
- CitiBank · 2 branches
- Farmers Insurance Federal Credit UnionCredit union · 1 branch