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 61–75 results in San Francisco, CA metro
- 1st Nor Cal® Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.00% by balance
Credit union · 5 branches
0.90%APY$90 a year on $10,000Requirements
Product: Membership required ($5 minimum deposit) for persons living, working, attending school, or worshiping in Contra Costa, Solano, or Alameda counties. No monthly fees. Direct deposit. No minimum deposit. No minimum balance.
No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $100 0.00% $100 – $10,000 0.20% $10,000 – $25,000Your amount 0.90% $25,000 – $75,000 1.00% $75,000 and up 1.00% Rate checked
More details - The Police Credit UnionSmart Advantage Money Market AccountSmart Advantage Money Market Account · $2,500 min · 0.80%–3.66% by balance
Credit union · 5 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: Requires credit union membership. Allows up to 6 checks written per month.
Offer: Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly.
Qualified rate · 0.80% interest rate
Rate by balance
Rate by balance for Smart Advantage Money Market Account Balance APY $2,500 – $15,000Your amount 0.80% $15,000 – $50,000 2.00% $50,000 – $100,000 2.60% $100,000 – $150,000 3.41% $150,000 – $250,000 3.46% $250,000 and up 3.66% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 50 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 - Upward Credit UnionKasasa Saver SavingsSavings · $100 min · 0.05%–0.75% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Links to Kasasa Cash or Kasasa Cash Back Checking Account. Only available in conjunction with a Kasasa Checking Account.
Offer: Non-qualifying rate applies to all balances when linked Kasasa Checking Account does not meet monthly qualifications.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Mar 1, 2025
Rate by balance
Rate by balance for Kasasa Saver Savings Balance APY Any balance 0.05% $100 – $25,000Your amountQualifying rate applies when linked Kasasa Checking meets monthly qualifications: enroll in and log into Online Banking, agree to receive e-Statements, and have at least 12 debit card purchases of $5 or more post and settle per Monthly Qualification Cycle. 0.75% Over $25,000 Unknown Rate checked
More details - Community First Credit UnionMoney MarketMoney Market · $100 min · 0.75%–1.15% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,0000.75% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $100 and up 0.75% $1,000 and up 0.75% $10,000 and upYour amount 0.75% $50,000 and up 0.80% $100,000 and up 1.00% $150,000 and up 1.00% $250,000 and up 1.00% $500,000 and up 1.00% $1,000,000 and up 1.15% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Requires maintaining a minimum balance of $25.00 in Primary Share Savings to keep membership active and maintain other accounts. Accounts may be designated as Individual, Joint, Uniform Transfer to Minors Act (UTMA), and Trust.
Offer: Dividends are compounded daily and credited monthly. Minimum balance of $25 required to maintain account and earn dividends.
0.75% interest rate · Compounded daily
Rate checked
More details - OE Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–0.80% by balance
Credit union · 4 branches
0.65%APY$65 a year on $10,000Requirements
Product: Start saving with $1,000 minimum opening deposit. Dividends compound monthly. Up to 6 free withdrawals or transfers per month ($15 fee per transaction thereafter).
Offer: Minimum to earn dividend: $1,000. Compounding period: Monthly.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.60% $10,000 and upYour amountMinimum to earn dividend: $10,000. 0.65% $25,000 and upMinimum to earn dividend: $25,000. 0.65% $50,000 and upMinimum to earn dividend: $50,000. 0.70% $100,000 and upMinimum to earn dividend: $100,000. 0.75% $250,000 and upMinimum to earn dividend: $250,000. 0.80% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: Balances below $100 do not earn interest/dividends. Limited to 6 withdrawals per month. No monthly or annual service fees.
Offer: Minimum balance to earn dividends is $100; balances below $100 will not earn interest. No monthly or annual service fees. Up to 6 withdrawals per month.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Provident Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.08%–3.10% by balance
Credit union · 15 branches
0.61%APY$61 a year on $10,000Requirements
Product: $2,500 minimum balance required. Instant liquidity; can be used as an overdraft source for Provident Checking accounts.
0.08% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.08% $10,000 and upYour amount 0.61% $50,000 and up 2.90% $100,000 and up 3.10% Rate checked
More details - Bay Cities CUMoney Market (S5)Money Market (S5) · $1,000 min · 0.25%–0.75% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Your rate may change after the account is opened and fees may reduce earnings on your account. $1,000 Minimum Balance to earn Dividends. Dividends are calculated daily and compounded daily.
Offer: Account Terms: Daily. Dividend Calculation: Daily Compounded. $1,000 Minimum Balance to earn Dividends.
0.25% interest rate · Compounded daily
Rate by balance
Rate by balance for Money Market (S5) Balance APY $1,000 – $4,999 0.25% $5,000 – $9,999 0.40% $10,000 – $24,999Your amount 0.50% $25,000 – $49,999 0.55% $50,000 – $99,999 0.65% $100,000 and up 0.75% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 9 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 - Technology Credit UnionMoney Market Plus AccountsMoney Market Plus Accounts · $0 min · 0.00%–2.05% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: $0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account. For balances of $50,000 and up, receive a rate boost of 0.10% with a Tech CU Checking Account and direct deposit of a minimum net pay of $100. Direct deposit criteria waived with a private banking relationship.
Offer: $0.01 minimum balance to maintain account. $2,500.00 to earn dividends.
Qualified rate · 0.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Plus Accounts Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.50% $25,000 – $50,000 0.85% $50,000 – $100,000 1.00% $100,000 – $150,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.25% $150,000 – $300,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.50% $300,000 – $500,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.90% $500,000 – $1,000,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.95% $1,000,000 and upDirect deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 2.05% 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 - McKesson & Healthcare Providers FCUKickStart Money MarketKickStart Money Market · $1 min · 0.25%–2.79% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Reverse earning tier. Interest is paid at tier rates on balances within each tier; total interest paid is the sum from each tier. Blended APY assumes the amount is held in the account for one year.
Offer: Level I; APY range stated as 2.79%-2.79%
2.75% interest rate · No monthly fee · Effective Nov 1, 2025
Rate by balance
Rate by balance for KickStart Money Market Balance APY $1 and up 2.79% $2,500 and upLevel II; blended APY stated as 2.79%-0.86% 0.25%* $10,000 and upYour amountLevel III; blended APY stated as 0.86%-0.50% 0.50%* Rate checked
More details - McKesson & Healthcare Providers FCUPremier Share Money MarketPremier Share Money Market · $2,500 min · 0.25%–1.26% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Must maintain minimum average daily balance to obtain APY. If balance drops below minimum requirement, no dividend is received for that month.
Offer: Level I; compounded and credited monthly; must maintain minimum average daily balance to obtain APY
0.25% interest rate · No monthly fee · Effective Nov 1, 2025
Rate by balance
Rate by balance for Premier Share Money Market Balance APY $2,500 and up 0.25% $10,000 and upYour amountLevel II; 0.50% $25,000 and upLevel III; 0.75% $50,000 and upLevel IV; 1.06% $100,000 and upLevel V; 1.26% 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