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 16–30 results in Merced, CA metro
- Educational Employees Credit UnionSavings Account (Share Savings)Savings · $250 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Open and maintain account with a $5 deposit ($10 for joint accounts). Balances under $250 do not earn dividends. Deposits are federally insured by NCUA.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account (Share Savings) Balance APY $250 – $5,000 0.10% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.20% Rate checked
More details - Educational Employees Credit UnionSub-Share Savings AccountSavings · $250 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Designed for setting aside money in a separate account for specific savings goals (emergencies, vacation, wedding, college). Shares features and rate schedule of regular share savings.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Sub-Share Savings Account Balance APY $250 – $5,000 0.10% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.20% Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived 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: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Total minimum of $5 to open account. No monthly maintenance fees. Dividends compound monthly.
Offer: Dividends compound monthly.
0.00% interest rate · No monthly fee · Effective Jul 25, 2022
Rate by balance
Rate by balance for Target Savings Balance APY Up to $100 0.00% $100 – $5,000 0.05% $5,000 – $10,000Your amount 0.10% Over $10,000 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: One-time $5 membership fee and $5 minimum share deposit (total minimum of $10 to open account). No monthly maintenance fees. Dividends compound monthly.
Offer: Dividends compound monthly.
0.00% interest rate · No monthly fee · Effective Jul 25, 2022
Rate by balance
Rate by balance for Prime Savings Balance APY Up to $100 0.00% $100 – $5,000 0.05% $5,000 – $10,000Your amount 0.10% Over $10,000 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Summit Savings Balance APY Up to $1,999 0.05% $2,000 – $4,999Minimum Dividends $2,000 0.07% $5,000 – $7,999Minimum Dividends $5,000 0.10% $8,000 and upYour amountMinimum Dividends $8,000 0.10% Rate checked
More details - Farmers Insurance Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.05%–0.25% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Check-writing abilities; unlimited in-person transactions; all withdrawals must be at least $250; withdrawals can be made by check, phone, email, or online. Membership eligibility required.
Offer: Tier 1: Up to $9,999.99.
Effective Sep 18, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 and up 0.25% Rate checked
More details - 0.09%APY$9 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived 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: Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 2 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 2 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - 0.06%APY$6 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived 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: Citi Priority relationship tier (requires $30,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citi Priority tier.
Qualified rate · 0.06% interest rate · $4.50 monthly fee
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.04% $100,000 – $250,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $250,000 – $500,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $500,000 – $1,000,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $1,000,000 and upStandard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Savings account required for Credit Union membership. After six months, must maintain a minimum $250 balance or open any other type of account to avoid a $5 monthly service fee.
Offer: After six months, maintain a minimum $250 balance or open any other type of account to avoid the $5 monthly fee.
$5 monthly fee
Rate checked
More details - Farmers Insurance Federal Credit UnionRainy Day SavingsSavings · $0 min · 0.05%–1.75% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: APY of 1.75% on balances up to $2,000; Membership Savings rate (0.05%) on balances over $2,000. Maximum of two free withdrawals per calendar year ($20 fee each additional withdrawal). Funded via recurring ACH deposit or qualifying external funds. Limit one Rainy Day Account per qualified membership. Membership eligibility required.
Offer: APY of 1.75% on balances up to $2,000. Maximum of two free withdrawals per calendar year.
Rate by balance
Rate by balance for Rainy Day Savings Balance APY Up to $2,000 1.75% $2,000 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Initial $5 deposit opens account upon joining.
Offer: Minimum balance to earn dividends is $100.
0.05% interest rate · Effective Oct 1, 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 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