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 31–45 results in Santa Maria, CA metro
- Farmers & Merchants BankMarket Rate Money MarketMarket Rate Money Market · $100 min · 0.03%–0.05% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Interest is compounded and credited monthly on the monthly statement cycle date. Rates may change at any time. Fees could reduce earnings. Closing account before interest is credited forfeits accrued interest. $15 monthly minimum balance fee applies if balance falls below $2,500 any day of the statement cycle.
0.03% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Market Rate Money Market Balance APY Up to $10,000 0.03% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 and up 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
- 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 - Farmers & Merchants BankMarket Rate SavingsSavings · $100 min · 0.03%–0.05% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: A savings account that allows easy access to excess funds. $10 minimum balance fee per quarter if the average daily balance for the quarter falls below $500. A per check/withdrawal fee of $3 for each transaction if the account balance falls below $1,000 any day of the quarter on withdrawals exceeding three per quarter. A $5 paper statement fee applies unless enrolled in eStatements. $20 early closure fee if closed within 180 days.
Offer: Variable interest rate; interest accrues daily, compounded and credited quarterly. If closed before interest is credited, accrued interest is not received.
0.03% interest rate
Rate by balance
Rate by balance for Market Rate Savings Balance APY Up to $10,000 0.03% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 and up 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Dividends credited quarterly. Membership requirements apply.
Offer: Dividends credited quarterly.
Effective Sep 22, 2026
Rate checked
More details - Montecito Bank & TrustMB&T Money Builder Money MarketMB&T Money Builder Money Market · $25 min · 0.05%–0.15% by balance
Bank · 12 branches
0.05%APY$5 a year on $10,000Requirements
Product: Monthly maintenance fee of $5 is waived by enrolling in eStatements AND either setting up a recurring monthly automatic transfer of $25 or more from an MB&T account to your MB&T Money Builder account OR maintaining a minimum daily balance of $300. Checkwriting, bill-pay, or Zelle transactions are not allowed. Interest compounds quarterly and pays quarterly.
0.05% interest rate · $5 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for MB&T Money Builder Money Market Balance APY Up to $9,999 0.05% $10,000 – $49,999Your amount 0.05% $50,000 – $99,999 0.05% $100,000 – $499,999 0.10% $500,000 and up 0.15% Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · Effective Sep 28, 2026
Rate checked
More details - Montecito Bank & TrustMontecito Money FundMontecito Money Fund · $0 min · 0.05%–0.15% by balance
Bank · 12 branches
0.05%APY$5 a year on $10,000Requirements
Product: Monthly maintenance fee of $10 is waived by maintaining a $2,500 minimum daily balance. Simple interest accrues daily, compounded monthly and paid monthly. Features checkwriting capabilities.
0.05% interest rate · Compounded monthly · $10 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Montecito Money Fund Balance APY Up to $9,999 0.05% $10,000 – $49,999Your amount 0.05% $50,000 – $99,999 0.05% $100,000 – $499,999 0.10% $500,000 and up 0.15% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $9 quarterly maintenance fee waived with $300 minimum daily balance. Simple interest accrues daily, compounded quarterly and paid quarterly.
Offer: $9 quarterly maintenance fee waived with $300 minimum daily balance.
0.05% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - Columbia BankThrive Money MarketThrive Money Market · $100 min · 0.05%–0.15% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: $10 monthly maintenance fee, waived with a $1,000 minimum daily balance or link to a checking account (up to 3 complimentary accounts linked to Access Checking, or up to 5 complimentary accounts linked to Pinnacle Checking). Available for online account origination. Interest rate and APY may change after opening.
Offer: The interest rate and annual percentage yield may change after account opening. Available for online account origination.
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Thrive Money Market Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 – $250,000 0.10% $250,000 and up 0.15% Rate checked
More details - Columbia BankProsper Money MarketProsper Money Market · $100 min · 0.05%–1.00% by balance
Bank · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: $15 Monthly maintenance fee; or $0 with a $10,000 minimum daily balance; or $25,000 combined balance. $100 minimum to open. Available for online account origination. Interest rate and APY may change after account opening.
Offer: The interest rate and annual percentage yield may change after account opening. Available for online account origination.
0.05% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Prosper Money Market Balance APY Up to $2,500 0.05% $2,500 – $5,000 0.05% $5,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.30% $250,000 – $500,000 0.50% $500,000 – $1,000,000 0.75% $1,000,000 and up 1.00% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Opening this account establishes membership in CoastHills Credit Union. All new members pay a $5 minimum deposit plus a $5 membership fee at origination (deposited into CoastHills Community Foundation general fund).
0.05% interest rate · Effective Jun 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: No minimum balance requirement and no monthly fees.
0.05% interest rate · No monthly fee · Effective Jun 1, 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 - First BankPerformance Money MarketPerformance Money Market · $100 min · 0.01%–0.02% by balance
Bank · 3 branches
0.02%APY$2 a year on $10,000Requirements
Product: Variable-rate account. $100.00 minimum deposit required to open. Check writing privileges included. $10.00 Monthly Maintenance Fee, avoidable by maintaining a daily Ledger Balance of $1,000.00 or more during a calendar month.
Offer: Variable rate; APY accurate as of 10/16/2026. $10.00 monthly maintenance fee avoidable with a daily ledger balance of $1,000.00 or more during a calendar month.
$10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Performance Money Market Balance APY Up to $2,500 0.01% $2,500 – $10,000 0.01% $10,000 – $25,000Your amount 0.02% $25,000 – $50,000 0.02% $50,000 and up 0.02% 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