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 1–15 results in San Luis Obispo, CA metro
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 2 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 8 branches
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 - SESLOC Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.00%–2.02% by balance
Credit union · 5 branches
1.26%APY$126 a year on $10,000Requirements
Product: Earn dividends when you maintain $2,500 minimum daily balance. Tiered rate structure. No service fee even if balance falls below the minimum daily balance to earn dividends.
Offer: Average Daily Balance tier $0.00 – $2,499.99. Rates are variable and may vary after opening.
0.00% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $50,000Your amount 1.26% $50,000 – $100,000 1.76% $100,000 – $250,000 1.76% $250,000 – $500,000 2.02% $500,000 and up 2.02% Rate checked
More details - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: All dividends are compounded monthly. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers; end-of-day balance determines the tier. There is no minimum balance requirement to obtain the APY.
0.05% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 – $500,000 2.50% $500,000 and up 3.50% Rate checked
More details - Murphy BankPassbooks / Regular Savings AccountsSavings · $500 min · 0.60%–1.36% by balance
Bank · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Any savings account closed within 90 days of its opening date will be assessed a fee of $25.00.
0.60% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Passbooks / Regular Savings Accounts Balance APY $500 – $9,999 0.60% $10,000 – $24,999Your amount 0.85% $25,000 and up 1.36% Rate checked
More details - CoastHills Credit UnionMoney MarketMoney Market · $5,000 min · 0.25%–0.75% by balance
Credit union · 5 branches
0.25%APY$25 a year on $10,000Requirements
Product: Tiered-rate account; stated dividend rate is paid on the full balance corresponding to the applicable balance tier. Membership with CoastHills Credit Union required.
0.25% interest rate · No monthly fee · Effective Dec 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $100,000 0.35% $100,000 – $200,000 0.50% $200,000 and up 0.75% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - Educational Employees Credit UnionSavings Account (Share Savings)Savings · $250 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Open and maintain account with a $5 deposit ($10 for joint accounts). Balances under $250 do not earn dividends. Deposits are federally insured by NCUA.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account (Share Savings) Balance APY $250 – $5,000 0.10% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.20% Rate checked
More details - Educational Employees Credit UnionSub-Share Savings AccountSavings · $250 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Designed for setting aside money in a separate account for specific savings goals (emergencies, vacation, wedding, college). Shares features and rate schedule of regular share savings.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Sub-Share Savings Account Balance APY $250 – $5,000 0.10% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.20% Rate checked
More details - Golden 1 Credit UnionGrowth Savings AccountSavings · $0 min · 0.10%–4.00% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the APY.
3.93% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Savings Account Balance APY Up to $1,000 4.00% $1,000 – $2,000APY range stated as 3.50%-4.00% (blended). 3.00%* $2,000 – $5,000APY range stated as 2.15%-3.50% (blended). 1.25%* Over $5,000Your amountAPY range stated as 0.10%-2.15% (blended). 0.10%* Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: A $5.00 deposit into a Member Savings Account establishes membership share in the credit union and qualifies members to open any other account type. Variable rate. Dividends calculated by daily balance method.
Offer: Variable rate. Minimum balance to earn disclosed APY is $100.00.
Effective Nov 10, 2025
Rate checked
More details - 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
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 Luis Obispo, CA metro
33 accounts at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.85%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.20%
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San Luis Obispo, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMB BankBank · 2 branches
- CoastHills Credit UnionCredit union · 5 branches
- Golden 1 Credit UnionCredit union · 3 branches