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 Jose, CA metro
- Patelco Credit UnionMoney Market PlusMoney Market Plus · $1 min · 2.50%–3.25% by balance
Credit union · 5 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 - CEFCUInsured Money Market Account (IMMA)Insured Money Market Account (IMMA) · $2,500 min · 2.40%–2.70% by balance
Credit union · 6 branches
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 - 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 - 2.12%APY$212 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
Offer: Variable rate. Member must maintain $5 par value. $5 monthly below-balance fee waived with a daily balance of $500 or more.
2.10% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000intro rateRequirements
Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
Promotional rate · 0.05% interest rate
Rate by balance
Rate by balance for Thrive Money Market Special Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.60% $250,000 and up 2.60% Rate checked
More details - 2.00%APY$200 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: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 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: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Stanford Federal Credit UnionMoney Market AccountMoney Market Account · $0 min
Credit union · 5 branches
1.81%APY$181 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. Variable rate account; dividends compounded and paid monthly.
Offer: Requires Stanford FCU Loyalty+ Ambassador relationship status.
Qualified rate · 1.80% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 1.80%APY$180 a year on $10,000
Requirements
Product: Available exclusively to residents of CA, NJ, NY, TX, NV, WA, and AZ. Must be opened online to receive APY. No monthly maintenance fee. Maximum 6 withdrawals/transfers per calendar month ($10 fee per excess transaction).
Offer: Online opening required to receive stated APY.
1.78% interest rate · No monthly fee · Effective Sep 9, 2025
Rate by balance
Rate by balance for Online Personal Savings Balance APY Up to $50,000Your amount 1.80% $50,000 and up 3.30% Rate checked
More details - 1.65%APY$165 a year on $10,000
Requirements
Product: Optional named savings folders for separate goals; same published rate table as Holiday Saver Account. Rates subject to change daily.
Offer: TIER-1; min. to earn APY $0.01. Shared Holiday Saver schedule.
1.54% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for My Use Account Balance APY Over $0 1.55% $1,000 and upTIER-2; to earn APY $1,000.00. 1.60% $10,000 and upYour amountTIER-3; to earn APY $10,000.00. 1.65% Rate checked
More details - SRI Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.00%–3.95% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Dividends paid monthly. $2,500 minimum balance to earn dividends. Up to 6 withdrawals/transfers per month. Mobile and Online access, eStatements.
No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 1.60% $25,000 – $100,000 1.70% $100,000 – $250,000 1.95% $250,000 – $500,000 2.20% $500,000 – $1,000,000 2.45% $1,000,000 and up 3.95% Rate checked
More details - Stanford Federal Credit UnionMoney Market AccountMoney Market Account · $0 min
Credit union · 5 branches
1.56%APY$156 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. Variable rate account; dividends compounded and paid monthly.
Offer: Standard rate. No opening deposit requirement and no monthly fee.
Qualified rate · 1.55% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 2 branches
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - Altos BankElite Money Market SavingsElite Money Market Savings · $0 min · 0.90%–1.26% by balance
Bank · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Tiered-rate money market account for larger personal balances. Provides interest earnings with access through digital transfers and limited check-writing functionality where applicable. Fees may apply.
Offer: Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY.
0.90% interest rate · Effective Aug 14, 2026
Rate by balance
Rate by balance for Elite Money Market Savings Balance APY Up to $10,000 0.90% $10,000 – $50,000Your amount 1.01% $50,000 – $100,000 1.11% $100,000 and up 1.26% Rate checked
More details - PremierOne Credit UnionPremier Money MarketPremier Money Market · $1,500 min · 0.50%–1.80% by balance
Credit union · 5 branches
1.00%APY$100 a year on $10,000Requirements
Product: Dividends calculated using Average Daily Balance, credited and compounded monthly. Once a particular balance tier is met, the rate applies to the full balance of the account. Account limitations apply (up to 6 preauthorized/electronic transfers or withdrawals per month). Membership requires maintaining $5.00 par value share.
Offer: Minimum balance to earn APY is $1,500.00. Minimum to keep open is $1,500.00.
0.50% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $1,500 – $10,000 0.50% $10,000 – $50,000Your amount 1.00% $50,000 – $250,000 1.60% $250,000 and up 1.80% 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 Jose, CA metro
135 accounts at 44 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 2.78%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.20%
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San Jose, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Star One Credit UnionCredit union · 6 branches
- Stanford Federal Credit UnionCredit union · 5 branches
- First BankBank · 1 branch