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 151–165 results in San Francisco, CA metro
- 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 $10,000
Requirements
Product: Must be 18 years or older.
Offer: Tier 1: 0.05% APY for daily balances of $0.01 - $4,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge.
$25 monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for Tiered Money Market Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 – $500,000 0.05% $500,000 – $1,500,000 0.10% $1,500,000 – $2,500,000 0.10% $2,500,000 – $5,000,000 0.10% $5,000,000 – $10,000,000 0.10% $10,000,000 and up 0.01% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Must be 18 years or older with a U.S. residential address. Initial opening deposit cannot come from an existing Valley bank account.
Offer: Earn 0.05% APY on balances of $0.01 up to $10,000. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge.
$25 monthly fee · Effective Oct 22, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 7 branches
0.05%APY$5 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 Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% 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 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard 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. 0.04% $100,000 – $250,000Standard 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% $250,000 – $500,000Standard 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% $500,000 – $1,000,000Standard 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% $1,000,000 and upStandard 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% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Free e-Statements ($2 per month for paper statements). Avoid $5 monthly fee by maintaining minimum balance of $10.
Offer: Avoid $5 monthly fee by maintaining minimum balance of $10. Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.
0.05% interest rate · $5 monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Smart Savings Account Balance APY Up to $50,000Your amount 0.05% $50,000 and up 0.10% Rate checked
More details - KeyPoint Credit UnionMembership Savings AccountSavings · $10 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: KeyPoint Membership required; must be in KeyPoint's field of membership and meet other eligibility requirements. Surcharge-free ATM access.
Offer: Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.
0.05% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Membership Savings Account Balance APY Up to $50,000Your amount 0.05% $50,000 and up 0.10% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum balance to keep open is $5.00.
0.05% interest rate · Effective Oct 13, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum balance to keep open is $5.00. Minimum daily balance of $50.00 required to earn APY.
Offer: Minimum daily balance of $50.00 required to earn stated APY.
0.05% interest rate · Effective Jul 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum balance to keep open is $5.00. Minimum daily balance to earn APY is $50.00.
0.05% interest rate · No monthly fee · Effective Oct 13, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: The Premium Savings Account has two APY rates: base (lower) APY and bonus (higher) APY. In order to qualify for the bonus APY, a checking account type (excluding Business Accounts) is required within the same membership account. To receive bonus APY, meet three monthly requirements: (1) 10 or more debit/credit card purchases, (2) 1 direct deposit, payroll deposit, or external ACH transfer into checking, and (3) eStatements selected.
Offer: Base rate paid if monthly requirements are not met.
Qualified rate · 0.05% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum opening deposit of $1.00 is required to be held as membership share pledge; $0 minimum balance requirement to open a secondary Regular (Share) Savings account.
Offer: Opening minimum is $1 (share pledge) for primary account / $0 for secondary savings.
0.05% interest rate · Effective Oct 16, 2026
Rate checked
More details - The Police Credit UnionMoney Market Wealth Builder AccountMoney Market Wealth Builder Account · $2,500 min · 0.05%–1.90% by balance
Credit union · 5 branches
0.05%APY$5 a year on $10,000Requirements
Product: Federally insured savings vehicle with tiered interest rates and check-writing access for up to 6 checks per month. Requires credit union membership.
0.05% interest rate
Rate by balance
Rate by balance for Money Market Wealth Builder Account Balance APY $2,500 – $15,000Your amount 0.05% $15,000 – $50,000 0.80% $50,000 – $100,000 1.10% $100,000 – $150,000 1.26% $150,000 – $250,000 1.65% $250,000 and up 1.90% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Standard APY.
Qualified rate
Rate checked
More details - Wells FargoWells Fargo Platinum SavingsSavings · $25 min · 0.05%–3.25% by balance
Bank · 123 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
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
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