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 31–45 results in Sacramento, CA metro
- 0.50%APY$50 a year on $10,000
Requirements
Product: Available for individual and joint account holders. Businesses, trusts, and other legal entities are not eligible online.
Offer: A minimum balance of $1,000 must be maintained to obtain the advertised APY. A monthly $5.00 paper statement fee applies unless electronic statements are elected.
0.49% interest rate · No monthly fee
Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 2 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. 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 Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 2 branches
0.45%APY$45 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 · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - Heritage Community Credit UnionDiamond Select Money Market AccountsDiamond Select Money Market Accounts · $1,000 min · 0.35%–0.70% by balance
Credit union · 3 branches
0.35%APY$35 a year on $10,000Requirements
Product: Variable rate account; rates may change after account is opened. Fees may reduce earnings, and transaction limitations apply.
Offer: Tier 1 balance tier.
0.35% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Diamond Select Money Market Accounts Balance APY Up to $25,000Your amount 0.35% $25,000 – $50,000Tier 2 balance tier. 0.45% $50,000 – $100,000Tier 3 balance tier. 0.55% $100,000 – $200,000Tier 4 balance tier. 0.65% $200,000 – $1,000,000Tier 5 balance tier. 0.70% $1,000,000 and upTier 6 balance tier. 0.70% Rate checked
More details - BluPeak Credit UnionBluRipple SavingsSavings · $25 min · 0.05%–0.75% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Must meet membership and account criteria. Available to all ages; members under 18 require a parent or guardian joint on the account. No monthly maintenance fees and no minimum balance required.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for BluRipple Savings Balance APY Up to $1,000 0.05% $1,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 – $100,000 0.55% $100,000 – $250,000 0.65% $250,000 and up 0.75% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.23%–0.73% by balance
Bank · 1 branch
0.33%APY$33 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.
Qualified rate · 0.23% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.23% $10,000 – $49,999Your amount 0.33% $50,000 – $99,999 0.38% $100,000 and up 0.73% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.22%–0.72% by balance
Bank · 1 branch
0.32%APY$32 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.
Qualified rate · 0.22% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.22% $10,000 – $49,999Your amount 0.32% $50,000 – $99,999 0.37% $100,000 and up 0.72% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.21%–0.71% by balance
Bank · 1 branch
0.31%APY$31 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
Qualified rate · 0.21% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.21% $10,000 – $49,999Your amount 0.31% $50,000 – $99,999 0.36% $100,000 and up 0.71% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
0.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 15 branches
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.20%–0.70% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsQualified rate · 0.20% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.20% $10,000 – $49,999Your amount 0.30% $50,000 – $99,999 0.35% $100,000 and up 0.70% 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes credit union membership and ownership. Variable rate; dividends compounded monthly and credited monthly.
Offer: A $5.00 minimum balance is required to open and maintain membership.
Compounded monthly
Rate checked
More details - United Business BankU Matter Money Market AccountU Matter Money Market Account · $5,000 min · 0.25%–1.77% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000intro rateRequirements
Product: Available on new money only. Account APY is based on a tiered rate system. Minimum deposit of $5,000 - maximum deposit of $10,000,000 requirement for U Matter Account Specials.
Offer: New money only.
Promotional rate · Effective Jul 23, 2026
Rate by balance
Rate by balance for U Matter Money Market Account Balance APY $1,000 – $10,001Your amount 0.25% $10,001 – $50,001 0.25% $50,001 – $100,000 0.75% $100,000 – $250,000 1.26% $250,000 and up 1.77% 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