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 San Diego, CA metro
- BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 4 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 - Certified Federal Credit UnionMoney MarketMoney Market · $0 min · 0.35%–1.35% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,0000.35% interest rate · Effective Feb 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 0.35% $10,000 – $49,999Your amount 0.60% $50,000 – $99,999 1.00% $100,000 and up 1.35% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 21 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 - 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 - San Diego Firefighters Federal Credit UnionMoney MarketMoney Market · $0 min · 0.00%–1.36% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department in San Diego County, immediate family, or employees/members of Firefighter Related Organizations. Has no term restrictions or minimum balance to open. Requires a minimum balance of $1,000 to earn dividends (no penalties/fees for balances less than $1,000). Rate applies to the entire balance.
Offer: Requires a minimum of $1,000 to earn dividends.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.25% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.75% $50,000 – $100,000 1.00% $100,000 – $500,000 1.15% $500,000 and up 1.36% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Earn simple interest with minimum $2,500 balance. Includes 8 free withdrawals per statement cycle and first order of standard checks paid by bank. Interest calculated using average daily balance method, compounded monthly and credited monthly.
0.45% interest rate · Compounded monthly · Balance cap $24,999.99 · Effective Oct 13, 2026
Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 21 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 · 21 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 - City National BankPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.35%–3.82% by balance
Bank · 4 branches
0.35%APY$35 a year on $10,000Requirements
Product: Tiered interest rates. Unlimited withdrawals or transfers. $20 monthly maintenance fee waived with a $2,500 minimum daily balance. Can provide overdraft protection for City National Bank checking accounts.
Offer: $20 monthly fee waived with a $2,500 minimum daily balance.
0.35% interest rate · $20 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $10,000 0.35% $10,000 – $25,000Your amount 0.35% $25,000 – $5,000,000Introductory rate for new personal deposit clients who open a qualifying checking account and deposit at least $25,000 in new money within 30 days. 3.82% $5,000,000 – $10,000,000 0.80% $10,000,000 and up 0.80% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 21 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 - BluPeak Credit UnionBluRipple SavingsSavings · $25 min · 0.05%–0.75% by balance
Credit union · 4 branches
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 - 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 · 4 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 - State Bank of India (California)Hi Yield Advantage Savings - Personal OnlySavings · $500 min · 0.15%–0.35% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Personal accounts only. Minimum opening deposit of $500.
Offer: Savings Balance Tier 1.
0.15% interest rate
Rate by balance
Rate by balance for Hi Yield Advantage Savings - Personal Only Balance APY $500 – $5,000 0.15% $5,000 – $10,000Savings Balance Tier 2. 0.25% $10,000 – $100,000Your amountSavings Balance Tier 3. 0.30% Over $100,000Savings Balance Tier 4. 0.35% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Basic deposit account earning variable interest with accessible funds. $10 monthly maintenance fee waived with $100 minimum daily balance.
Offer: Requires a minimum opening balance of $100.00 and a balance of $100.00 to obtain the interest rate and APY. $10 monthly fee waived when maintaining a minimum daily balance of $100.
0.30% interest rate · $10 monthly fee
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 San Diego, CA metro
129 accounts at 43 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 3.10%
- Banks, typical
- 0.14%
- Credit unions, typical
- 0.10%
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San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches