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 Sacramento, CA metro
- 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 - Firefighters First Credit UnionMoney MarketMoney Market · $0 min · 0.05%–1.75% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Variable-rate tiered account. Dividends are compounded and credited monthly. Rate will never fall below the regular savings account dividend rate as long as a $2,500 minimum balance is maintained.
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 1.60% $50,000 – $75,000 1.65% $75,000 – $100,000 1.70% $100,000 and up 1.75% Rate checked
More details - Sacramento Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–3.51% by balance
Credit union · 7 branches
1.00%APY$100 a year on $10,000Requirements
Product: Money Market requires $2,500 to open. Dividends are compounded and credited monthly. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Fees may reduce earnings.
0.15% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.15% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.00% $50,000 – $99,999 1.76% $100,000 – $249,999 2.02% $250,000 – $499,999 2.50% $500,000 and up 3.51% Rate checked
More details - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 32 branches
1.00%APY$100 a year on $10,000Requirements
Product: All dividends are compounded monthly. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers; end-of-day balance determines the tier. There is no minimum balance requirement to obtain the APY.
0.05% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 – $500,000 2.50% $500,000 and up 3.50% Rate checked
More details - SchoolsFirst FCULiquid Advantage Money MarketLiquid Advantage Money Market · $2,000 min · 0.75%–1.50% by balance
Credit union · 11 branches
1.00%APY$100 a year on $10,000Requirements
Offer: Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open.
0.75% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Liquid Advantage Money Market Balance APY $2,000 – $10,000 0.75% $10,000 – $100,000Your amount 1.00% $100,000 and up 1.50% Rate checked
More details - SAFE Credit UnionLevel Up Money MarketLevel Up Money Market · $25 min · 0.85%–2.22% by balance
Credit union · 18 branches
0.85%APY$85 a year on $10,000Requirements
Product: Earns highest dividend rate for which daily balance qualifies on entire account balance. Dividends paid monthly. Variable rate changes monthly.
Offer: Tier: under $10,000. Earns highest dividend rate for which daily balance qualifies on entire account balance.
0.85% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Level Up Money Market Balance APY Up to $10,000 0.85% $10,000 – $25,000Your amount 0.85% $25,000 – $50,000 1.36% $50,000 – $100,000 1.61% $100,000 – $250,000 1.87% $250,000 and up 2.22% Rate checked
More details - Vision One Credit UnionMoney Market CheckingMoney Market Checking · $2,500 min · 0.85%–3.00% by balance
Credit union · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Tiered rate share account. Dividends are compounded and credited monthly based on the average daily balance for the calendar month dividend period. A $5.00 monthly service fee applies if the minimum balance is not maintained at the time the fee is assessed; waived with a minimum of $2,500. Account transfer limitations allow no more than six transfers/withdrawals per month by pre-authorized, automatic, internet, telephone, check, draft, or debit card.
Offer: Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.
0.85% interest rate · $5 monthly fee · Effective Mar 1, 2025
Rate by balance
Rate by balance for Money Market Checking Balance APY $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 0.85% $25,000 – $49,999 0.90% $50,000 – $89,999 0.90% $90,000 – $249,999 0.95% $250,000 – $349,999 3.00% $350,000 and up 3.00% Rate checked
More details - 0.80%APY$80 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: Standard rate earned automatically with no additional requirements needed. Variable rate. No minimum balance requirement.
Qualified rate · 0.80% interest rate · No monthly fee
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 15 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Sierra Central Credit UnionFlex Money MarketFlex Money Market · $0 min · 0.07%–1.76% by balance
Credit union · 3 branches
0.70%APY$70 a year on $10,000Requirements
Product: Membership open to those that live, work, or attend school in any branch location county. Dividends compound monthly.
0.07% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Flex Money Market Balance APY Over $0 0.07% $2,500 and up 0.60% $10,000 and upYour amount 0.70% $50,000 and up 1.26% $100,000 and up 1.76% Rate checked
More details - OE Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–0.80% by balance
Credit union · 3 branches
0.65%APY$65 a year on $10,000Requirements
Product: Start saving with $1,000 minimum opening deposit. Dividends compound monthly. Up to 6 free withdrawals or transfers per month ($15 fee per transaction thereafter).
Offer: Minimum to earn dividend: $1,000. Compounding period: Monthly.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.60% $10,000 and upYour amountMinimum to earn dividend: $10,000. 0.65% $25,000 and upMinimum to earn dividend: $25,000. 0.65% $50,000 and upMinimum to earn dividend: $50,000. 0.70% $100,000 and upMinimum to earn dividend: $100,000. 0.75% $250,000 and upMinimum to earn dividend: $250,000. 0.80% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: Balances below $100 do not earn interest/dividends. Limited to 6 withdrawals per month. No monthly or annual service fees.
Offer: Minimum balance to earn dividends is $100; balances below $100 will not earn interest. No monthly or annual service fees. Up to 6 withdrawals per month.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Provident Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.08%–3.10% by balance
Credit union · 1 branch
0.61%APY$61 a year on $10,000Requirements
Product: $2,500 minimum balance required. Instant liquidity; can be used as an overdraft source for Provident Checking accounts.
0.08% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.08% $10,000 and upYour amount 0.61% $50,000 and up 2.90% $100,000 and up 3.10% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: SoFi members with Eligible Direct Deposit activity can earn 0.50% APY on savings balances. Variable rate. No minimum balance requirement.
Qualified rate · No monthly fee
Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% 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 Sacramento, CA metro
123 accounts at 38 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.02%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.10%
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Sacramento, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Travis Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 3 branches