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 76–90 results in San Francisco, CA metro
- Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 9 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 · 9 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 - Diablo Valley Federal Credit UnionMoney Market AccountMoney Market Account · $5 min · 0.30%–0.75% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: Write up to 3 checks each month; maximum of three automatic payments to come directly out of the account each month. Variable rate.
Offer: Rates and APYs are anticipated for the current period and variable.
0.30% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.30% $5,000 – $10,000 0.40% $10,000 – $25,000Your amountLimited check access per month. 0.45% $25,000 – $49,999 0.50% $50,000 – $100,000 0.55% $100,000 and up 0.75% Rate checked
More details - Sunward Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.25%–1.35% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Dividend rate and APY may change at the discretion of the Board of Directors. Yields determined at the time of investment.
Offer: APY applies if dividends are not withdrawn during the term.
0.25% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $9,999 0.25% $10,000 – $24,999Your amount 0.40% $25,000 – $49,999 0.55% $50,000 – $99,999 0.75% $100,000 – $149,999 0.95% $150,000 – $199,999 1.15% $200,000 and up 1.35% Rate checked
More details - City National BankPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.35%–3.82% by balance
Bank · 5 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 · 9 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 · 1 branch
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 - ILWU Credit UnionSafe Harbor Money Market AccountSafe Harbor Money Market Account · $2,500 min · 0.10%–0.65% by balance
Credit union · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: Tiered dividend rates based on balance. No early withdrawal penalty; free withdrawals.
Offer: Safe Harbor - Tier One
No monthly fee · Effective May 1, 2023
Rate by balance
Rate by balance for Safe Harbor Money Market Account Balance APY $1,000 and up 0.10% $5,000 and upYour amountSafe Harbor - Tier Two 0.35% $25,000 and upSafe Harbor - Tier Three 0.40% $50,000 and upSafe Harbor - Tier Four 0.45% $100,000 and upSafe Harbor - Tier Five 0.55% $250,000 and upSafe Harbor - Tier Six 0.65% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.23%–0.73% by balance
Bank · 1 branch
0.33%APY$33 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.
Qualified rate · 0.23% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.23% $10,000 – $49,999Your amount 0.33% $50,000 – $99,999 0.38% $100,000 and up 0.73% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.22%–0.72% by balance
Bank · 1 branch
0.32%APY$32 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.
Qualified rate · 0.22% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.22% $10,000 – $49,999Your amount 0.32% $50,000 – $99,999 0.37% $100,000 and up 0.72% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.21%–0.71% by balance
Bank · 1 branch
0.31%APY$31 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
Qualified rate · 0.21% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.21% $10,000 – $49,999Your amount 0.31% $50,000 – $99,999 0.36% $100,000 and up 0.71% 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 · 50 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 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