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 Salinas, CA metro
- 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - Monterey Credit UnionHigh Rate SavingsSavings · $0 min · 0.00%–0.20% by balance
Credit union · 3 branches
0.20%APY$20 a year on $10,000Requirements
Product: Must establish a Main Share account first. All deposited funds earn the rate for the tier.
Offer: Monthly service fee is $15.00 (Primary/Preferred); waived if minimum daily account balance exceeds $10,000.00 or with Premier Relationship Rewards.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for High Rate Savings Balance APY Up to $10,000 0.00% $10,000 and upYour amount 0.20% Rate checked
More details - Monterey Credit UnionPlatinum SavingsSavings · $0 min · 0.00%–1.00% by balance
Credit union · 3 branches
0.20%APY$20 a year on $10,000Requirements
Product: Must establish a Main Share account first. All deposited funds earn the rate for the tier.
Offer: Monthly service fee is $15.00 (Primary/Preferred); waived if minimum daily account balance exceeds $10,000.00 or with Premier Relationship Rewards.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Platinum Savings Balance APY Up to $10,000 0.00% $10,000 – $100,000Your amount 0.20% $100,000 and upMonthly service fee waived if minimum daily account balance exceeds $10,000.00 or with Premier Relationship Rewards. 1.00% Rate checked
More details - Wescom FinancialMoney MarketMoney Market · $2,500 min · 0.10%–0.60% by balance
Credit union · 4 branches
0.20%APY$20 a year on $10,000Requirements
Product: Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required; $1 deposit to Regular Savings required.
Offer: Standard Member tier. Minimum opening deposit and minimum balance to obtain APY is $2,500.
0.10% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.30% $50,000 – $99,999 0.40% $100,000 – $249,999 0.50% $250,000 and up 0.60% Rate checked
More details - Golden 1 Credit UnionGrowth Savings AccountSavings · $0 min · 0.10%–4.00% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the APY.
3.93% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Savings Account Balance APY Up to $1,000 4.00% $1,000 – $2,000APY range stated as 3.50%-4.00% (blended). 3.00%* $2,000 – $5,000APY range stated as 2.15%-3.50% (blended). 1.25%* Over $5,000Your amountAPY range stated as 0.10%-2.15% (blended). 0.10%* Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum opening deposit and balance to obtain APY is $1.00 to become a member-owner.
Offer: Minimum opening deposit and balance to obtain APY is $1.00 to become a member-owner.
Rate checked
More details - Monterey Credit UnionMoney MarketMoney Market · $0 min · 0.03%–0.10% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: All deposited funds earn the rate for the tier. Rate is variable. Monthly service fee waived if minimum daily account balance exceeds $5,000.00.
Offer: Monthly service fee is $15.00 for Primary relationship, $7.50 for Preferred relationship, and Free for Premier relationship; waived if minimum daily account balance exceeds $5,000.00. All deposited funds earn the rate for the tier.
0.03% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.03% $2,500 – $10,000 0.05% $10,000 – $50,000Your amount 0.10% $50,000 and up 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership required (open to individuals living, working, attending school, volunteering, or worshiping in Santa Cruz, San Benito, or Monterey counties). Required minimum opening balance of $5; daily balance of $100 to earn dividends.
Offer: Daily balance of $100 to earn dividends. No monthly service fee.
0.10% interest rate · No monthly fee · Effective Jan 2, 2026
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 $10,000with 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 - 0.05%APY$5 a year on $10,000
Requirements
Product: Requires a balance of $100.
Offer: APY as high as 0.05%. Requires a balance of $100.
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: To open a Share Account, a deposit of $25 is required. All deposited funds earn the rate for the tier.
Offer: Single Service monthly maintenance fee of $5.00 applies if Share Savings balance is under $750.00.
0.01% interest rate
Rate by balance
Rate by balance for Share Balance APY Up to $250 0.01% $250 and upYour amount 0.03% Rate checked
More details - 0.02%APY$2 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 Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 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 Salinas, CA metro
40 accounts at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.10%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.20%
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Salinas, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Corrections Federal Credit UnionCredit union · 1 branch
- UMB BankBank · 1 branch
- Navy Federal Credit UnionCredit union · 1 branch