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 Santa Maria, CA metro
- Montecito Bank & TrustRelationship Bonus Money MarketRelationship Bonus Money Market · $100 min · 0.20%–0.30% by balance
Bank · 12 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 is waived by maintaining a $2,500 minimum daily balance. Account pays tiered relationship bonus interest rates when maintaining an eligible personal checking account. If checking account is closed, relationship bonus rates revert to Montecito Money Fund rates. Simple interest accrues daily, compounded monthly and paid monthly. Features checkwriting capabilities.
Offer: Requires primary owner to maintain an Access Checking or Private Access Checking account.
Qualified rate · 0.20% interest rate · Compounded monthly · $10 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Relationship Bonus Money Market Balance APY Up to $9,999 0.20% $10,000 – $49,999Your amount 0.20% $50,000 – $99,999 0.20% $100,000 – $499,999 0.25% $500,000 and up 0.30% Rate checked
More details - MidFirst BankTitanium Money MarketTitanium Money Market · $100 min · 0.10%–0.30% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: $10 monthly service charge, waived with $5,000 average daily balance. $100 minimum deposit to open account online.
$10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Titanium Money Market Balance APY Up to $9,999 0.10% $10,000 – $24,999Your amount 0.15% $25,000 – $49,999 0.15% $50,000 – $74,999 0.15% $75,000 – $249,999 0.20% $250,000 – $499,999 0.25% $500,000 and up 0.30% Rate checked
More details - 0.15%APY$15 a year on $10,000
Effective Oct 14, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Effective Oct 14, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Effective Oct 14, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Effective Oct 14, 2026
Rate by balance
Rate by balance for Performance Savings Balance APY Up to $9,999 0.10% $10,000 and upYour amount 0.15% Rate checked
More details - Golden 1 Credit UnionGrowth Savings AccountSavings · $0 min · 0.10%–4.00% by balance
Credit union · 1 branch
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 - Montecito Bank & TrustRelationship Bonus Money MarketRelationship Bonus Money Market · $100 min · 0.10%–0.20% by balance
Bank · 12 branches
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 is waived by maintaining a $2,500 minimum daily balance. Account pays tiered relationship bonus interest rates when maintaining an eligible personal checking account. If checking account is closed, relationship bonus rates revert to Montecito Money Fund rates. Simple interest accrues daily, compounded monthly and paid monthly. Features checkwriting capabilities.
Offer: Requires primary owner to maintain a Cashback Checking account.
Qualified rate · 0.10% interest rate · Compounded monthly · $10 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Relationship Bonus Money Market Balance APY Up to $9,999 0.10% $10,000 – $49,999Your amount 0.10% $50,000 – $99,999 0.10% $100,000 – $499,999 0.15% $500,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · $10 monthly fee
Rate checked
More details - KeyPoint Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.05%–0.20% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Balances under $1,000 earn regular savings rate. Minimum $1,000 opening deposit. $10 monthly fee waived by keeping minimum monthly balance of at least $1,000. Variable rates.
Offer: Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000. Balances under $1,000 earn regular savings rate.
0.05% interest rate · $10 monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 and up 0.20% Rate checked
More details - Montecito Bank & TrustRelationship Bonus Money MarketRelationship Bonus Money Market · $100 min · 0.08%–0.18% by balance
Bank · 12 branches
0.08%APY$8 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 is waived by maintaining a $2,500 minimum daily balance. Account pays tiered relationship bonus interest rates when maintaining an eligible personal checking account. If checking account is closed, relationship bonus rates revert to Montecito Money Fund rates. Simple interest accrues daily, compounded monthly and paid monthly. Features checkwriting capabilities.
Offer: Requires primary owner to maintain Everyday Checking, Gold Key Club, or Charter Checking (Gold Key Club and Charter Checking are closed to new accounts).
Qualified rate · 0.08% interest rate · Compounded monthly · $10 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Relationship Bonus Money Market Balance APY Up to $9,999 0.08% $10,000 – $49,999Your amount 0.08% $50,000 – $99,999 0.08% $100,000 – $499,999 0.13% $500,000 and up 0.18% 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 $10,000
Requirements
Product: Free e-Statements ($2 per month for paper statements). Avoid $5 monthly fee by maintaining minimum balance of $10.
Offer: Avoid $5 monthly fee by maintaining minimum balance of $10. Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.
0.05% interest rate · $5 monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Smart Savings Account Balance APY Up to $50,000Your amount 0.05% $50,000 and up 0.10% Rate checked
More details - KeyPoint Credit UnionMembership Savings AccountSavings · $10 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: KeyPoint Membership required; must be in KeyPoint's field of membership and meet other eligibility requirements. Surcharge-free ATM access.
Offer: Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.
0.05% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Membership Savings Account Balance APY Up to $50,000Your amount 0.05% $50,000 and up 0.10% 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 Maria, CA metro
58 accounts at 18 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.08%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Santa Maria, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First BankBank · 3 branches
- CoastHills Credit UnionCredit union · 6 branches
- Santa Barbara County Federal Credit UnionCredit union · 1 branch