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 San Francisco, CA metro
- 3.10%APY$310 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: Relationship APY automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).
Qualified rate
Rate checked
More details - Monet BankMoney Market AccountMoney Market Account · $2,500 min · 0.00%–3.35% by balance
Bank · 1 branch
3.10%APY$310 a year on $10,000Requirements
Product: No fixed terms or maturities. Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $1,000 for branch accounts and $2,500 for online accounts.
Offer: Monthly minimum balance fee of $10.00 assessed if daily balance drops below $1,000 any day of statement cycle.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.00% $1,000 – $24,999Your amount 3.10% $25,000 and up 3.35% Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - PremierOne Credit UnionPremier Property SavingsSavings · $0 min · 0.00%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Tiered rate account to save for property taxes and insurance. Must be a homeowner to qualify (current mortgage statement or proof of home ownership required). Limit one account per member. Each dividend rate applies only to that portion of the balance within each balance range.
Offer: Rate applies to balance tier $0.01 - $30,000.00. Must provide proof of home ownership.
2.96% interest rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Premier Property Savings Balance APY Up to $30,000Your amount 3.00% Over $30,000 0.00% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: No monthly maintenance fee, no minimum balance requirement to earn dividends if qualifications are met, and no cap on dividend earnings. $1,000 minimum required to open account and earn dividends ($100 for members age 23 and under). Requires opening a primary savings account with $5.00 minimum balance for membership. Dividends calculated via daily balance method and credited monthly. APY applied in the following month.
Offer: Tier 2 requirements: Qualifying government or payroll direct deposits totaling at least $5,000 per calendar month and at least 10 qualifying purchase transactions using a Pacific Service CU debit card and/or Visa credit card posting during the same calendar month. Opening deposit of $1,000 required ($100 for age 23 and under).
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts 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: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - 2.90%APY$290 a year on $10,000
Requirements
Product: May be opened in-branch or online. Variable-rate account; interest rate may change after account is opened. $5.00 Monthly Maintenance Fee can be avoided by maintaining an open Icon Checking Account or having an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
Offer: Variable-rate account. Avoid the $5.00 monthly fee with an open Icon Checking Account or an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
$5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 2.79%APY$279 a year on $10,000
Requirements
Product: Available online for Guam and CNMI and in branches for all other regions. Online account opening required. Must be funded within 30 days of opening. Interest compounded and credited monthly. Variable rate determined by Bank of Guam.
Offer: No minimum daily balance required to obtain APY. Maintenance fee waived if enrolled in e-Statements. Must be funded within 30 days of opening. In-branch deposit fee $3.00, in-branch withdrawal fee $3.00, paper statement fee $10.00.
$5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Dividends are compounded quarterly and credited quarterly. Variable rate; rate may change after account opening. Balances below $5,000 earn regular savings rate (0.10% APY). New Money Required (funds may not be from an existing Financial Partners Credit Union account). No monthly fees.
Offer: Minimum deposit to open and earn stated rate is $5,000. New Money Required.
2.72% interest rate · Compounded quarterly · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 2.60%APY$260 a year on $10,000
Requirements
Product: A maintenance charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.
Offer: Monthly maintenance charge of $5 waived when average daily balance for the statement cycle is $500 or more.
$5 monthly fee · Effective Dec 11, 2025
Rate by balance
Rate by balance for Simple Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 2.60% $100,000 and up 2.80% Rate checked
More details - Patelco Credit UnionMoney Market PlusMoney Market Plus · $1 min · 2.50%–3.25% by balance
Credit union · 22 branches
2.50%APY$250 a year on $10,000with conditionsRequirements
Product: Rates vary by tier and apply to the full balance. To attain higher rates, account requires a Patelco checking account (opened under the same Member Number) with recurring monthly deposits of $500 or more. If eligibility requirements are not met, account earns a lower default rate of 0.05% APY. New accounts earn tiered rates automatically for opening month and 2 months following. No monthly fee and no minimum balance requirements.
Offer: Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance.
Qualified rate · 2.47% interest rate · No monthly fee · Effective Mar 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $50,000Your amount 2.50% $50,000 – $100,000 2.70% $100,000 – $250,000 3.00% $250,000 and up 3.25% Rate checked
More details - Sun Pacific Federal Credit UnionSun Fund Money MarketSun Fund Money Market · $5,000 min · 1.80%–3.51% by balance
Credit union · 1 branch
2.50%APY$250 a year on $10,000Requirements
Product: Effective as of 2026-04-21. Rates are subject to change at any time and are not guaranteed.
Offer: Balance $5,000 to less than $10,000
Effective Apr 21, 2026
Rate by balance
Rate by balance for Sun Fund Money Market Balance APY $5,000 – $9,999 1.80% $10,000 and upYour amount 2.50% $50,000 and up 3.51% Rate checked
More details - CEFCUInsured Money Market Account (IMMA)Insured Money Market Account (IMMA) · $2,500 min · 2.40%–2.70% by balance
Credit union · 1 branch
2.40%APY$240 a year on $10,000Requirements
Product: Opening deposit and account minimum is $2,500. Balance required to avoid a fee is $2,500. $200 minimum on withdrawals to avoid a fee.
Offer: Tier 1 rate. Balance required to avoid a fee is $2,500.
2.37% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Insured Money Market Account (IMMA) Balance APY $2,500 – $25,000Your amount 2.40% $25,000 – $50,000Tier 2 rate. 2.50% $50,000 – $100,000Tier 3 rate. 2.60% $100,000 and upTier 4 rate. 2.70% Rate checked
More details - 1st United Credit UnionHigh Yield Savings AccountSavings · $2,000 min · 0.30%–3.40% by balance
Credit union · 8 branches
2.20%APY$220 a year on $10,000with conditionsRequirements
Product: Requires a $2,000 minimum opening balance. Qualifications to receive higher tier monthly dividends on average daily balances over $2,000 include combined ACH direct deposits totaling $500 each month to any eligible share account and 15 or more combined debit or credit purchase transactions posted by the last day of the month (ATM and savings debit transactions do not qualify). If qualifications are not met or the minimum daily balance is less than $2,000, the account will earn the lowest dividend tier.
Offer: Earned on balances $0.00 - $1,999.99 or when monthly qualifications / minimum daily balance are not met.
Qualified rate · 0.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Savings Account Balance APY Up to $2,000 0.30% $2,000 – $100,000Your amountRequires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. 2.20% $100,000 – $250,000Requires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. 2.70% $250,000 and upRequires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. 3.40% Rate checked
More details - 2.20%APY$220 a year on $10,000
No monthly fee
Rate by balance
Rate by balance for Simple Savings Balance APY Up to $50,000Your amount 2.20% $50,000 and up 2.70% 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 16–22
- 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