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 136–150 results in San Francisco, CA metro
- 1st United Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.10%–0.30% by balance
Credit union · 8 branches
0.10%APY$10 a year on $10,000Requirements
Product: Dividends are paid monthly based on average daily balance. $1,000 minimum balance required.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 – $250,000 0.25% $250,000 – $500,000 0.30% $500,000 and up 0.30% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable-rate savings account. Monthly fee is $3 (waived with $100 minimum balance; free for minors up to age 18).
Offer: Minimum balance to earn interest is $100. Monthly fee of $3 is waived on balances of $100 or more.
0.10% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Requires an active WaFd checking account to open. Maximum of three Start Savings accounts per Taxpayer Identification Number (TIN). Variable blended rate.
Offer: Tier 1 blended rate for balances $0 to $500. Requires an active checking account to open.
Qualified rate · 4.88% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Start Savings Balance APY Up to $500 5.00% $500 – $1,000 2.50% $1,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · $10 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
Offer: Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.
Compounded daily · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - San Francisco Federal Credit UnionMoney Market Yield AccountMoney Market Yield Account · $2,500 min · 0.10%–1.01% by balance
Credit union · 7 branches
0.10%APY$10 a year on $10,000Requirements
Product: Requires a minimum daily balance of $2,500. Free of charge to open.
Effective Nov 1, 2025
Rate by balance
Rate by balance for Money Market Yield Account Balance APY $2,500 and upYour amount 0.10% $20,000 and up 0.15% $50,000 and up 0.35% $100,000 and up 0.75% $250,000 and up 0.75% $500,000 and up 1.01% $1,000,000 and up 1.01% Rate checked
More details - San Francisco Federal Credit UnionNorth Star Money MarketNorth Star Money Market · $2,500 min · 0.10%–4.00% by balance
Credit union · 7 branches
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Must open a new Checking Account with a minimum deposit of $2,500 in new money and a new Money Market Account with a minimum deposit of $20,000 in new money concurrently between June 1, 2026, and September 30, 2026. New members must open and maintain a share savings account in good standing. Reverts to standard variable APY beginning October 1, 2026.
Offer: Standard variable post-promotional rate applying to balances between $2,500 and $19,999 starting October 1, 2026.
Qualified rate
Rate by balance
Rate by balance for North Star Money Market Balance APY $2,500 – $19,999Your amount 0.10% $20,000 and upPromotional rate valid through September 30, 2026. Requires $20,000 minimum deposit in new money to the Money Market Account and $2,500 in new money to a concurrent new Checking Account. 4.00% Rate checked
More details - KeyPoint Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.05%–0.20% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Balances under $1,000 earn regular savings rate. Minimum $1,000 opening deposit. $10 monthly fee waived by keeping minimum monthly balance of at least $1,000. Variable rates.
Offer: Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000. Balances under $1,000 earn regular savings rate.
0.05% interest rate · $10 monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 and up 0.20% Rate checked
More details - F3 Credit UnionRegular Share AccountSavings · $0 min · 0.00%–0.10% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Membership application required.
0.00% interest rate · Effective Jan 7, 2026
Rate by balance
Rate by balance for Regular Share Account Balance APY Up to $100 0.00% $100 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · Effective Jan 7, 2026
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 - Provident Credit UnionPremier Money Market AccountPremier Money Market Account · 0.08%–3.40% by balance
Credit union · 15 branches
0.08%APY$8 a year on $10,000with conditionsRequirements
Product: Requires a minimum $1,000/month Direct Deposit to a checking account under the same membership, to begin no later than 90 days from account opening and continue for the life of the account. If direct deposit requirement is not met, earns base rate. Maintain minimum balance of $25,000.
Offer: Base rate earned when $1,000/month direct deposit requirements are not met.
Qualified rate · 0.08% interest rate
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Any balanceYour amount 0.08% $25,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 0.71% $75,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 3.00% $125,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. 3.40% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 7 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 · 7 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
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 Francisco, CA metro
225 accounts at 80 banks and credit unions · checked Oct 16–23
- Typical
- 0.15%
- Top 10% from
- 2.77%
- Banks, typical
- 0.12%
- Credit unions, typical
- 0.25%
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San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches