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 Santa Cruz, CA metro
- Santa Cruz Community Credit UnionFlexFundSavings · $500 min · 0.04%–2.02% by balance
Credit union · 3 branches
2.02%APY$202 a year on $10,000Requirements
Product: Minimum opening balance $500. Maximum initial balance $25,000. Up to 6 withdrawals per month allowed without penalty; $5 fee charged per withdrawal thereafter. No maintenance fees. Account earns a blended rate with APY based on balance (e.g. $4,999 balance earns blended 1.77% APY, $25,000 earns blended 1.97% APY, $30,000 earns blended 1.65% APY).
Offer: Opening balance $500 - $4,999. Minimum balance $500 to earn stated APY. Blended APY example: $4,999 balance earns blended rate of 1.77% APY.
1.75% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for FlexFund Balance APY $500 – $4,999 1.76% $5,000 – $25,000Your amount 2.02% $25,001 and upBlended APY example: $30,000 balance earns blended rate of 1.65% APY. 0.04% 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 - 1.55%APY$155 a year on $10,000with conditions
Requirements
Product: Must set up and maintain automatic deposit/transfer of at least $100/month from an SCCCU Checking Account. If no automatic deposit after 60 days, account will close and funds transferred to a regular Savings Account. Earns a 1.50% bonus to the regular Savings Account rate.
Offer: Minimum balance $100 required to earn stated APY.
Qualified rate · 1.54% interest rate · Effective Oct 15, 2026
Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Product: Santa Cruz Community Credit Union membership required. Federally insured by NCUA up to $250,000. Minimum balance required to earn stated APY. Prospective dividend rate and prospective APY may change monthly as determined by the Board of Directors. Dividends paid from current and available earnings after required transfers to reserves at the end of the dividend period.
Offer: Minimum balance of $2,500 required to earn stated APY. Opening balance range $2,500 to $9,999. Rate sheet p50 effective October 16, 2026; printable deposit rate sheet p61 effective September 14, 2026.
1.25% interest rate · Effective Oct 16, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 2 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 - Bay Federal Credit UnionTitanium SavingsSavings · $100 min · 0.75%–2.02% by balance
Credit union · 6 branches
0.75%APY$75 a year on $10,000Requirements
Product: Membership required. Required minimum opening balance of $5; daily balance of $100 to earn dividends. Horizon Checking members can earn a bonus 0.50% APY with eStatements, $1,000+ direct deposit, and 15+ debit transactions per month.
Offer: Daily balance of $100 to earn dividends. No monthly service fee.
0.75% interest rate · No monthly fee · Effective Jan 2, 2026
Rate by balance
Rate by balance for Titanium Savings Balance APY $100 – $24,999Your amount 0.75% $25,000 – $49,999 1.77% $50,000 and up 2.02% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 2 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership required (open to individuals living, working, attending school, volunteering, or worshiping in Santa Cruz, San Benito, or Monterey counties). Required minimum opening balance of $5; daily balance of $100 to earn dividends.
Offer: Daily balance of $100 to earn dividends. No monthly service fee.
0.10% interest rate · No monthly fee · Effective Jan 2, 2026
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 - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: $5 minimum balance required to maintain membership at the Credit Union (gives one share of the Credit Union). $5 deposit required to open.
Offer: Minimum balance of $100 required to earn stated APY.
0.04% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 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 Santa Cruz, CA metro
24 accounts at 7 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.86%
- Banks, typical
- 0.02%
- Credit unions, typical
- 1.01%
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California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
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