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 Rosa, CA metro
- Redwood Credit UnionPremier MMPremier MM · $2,500 min · 4.00%–4.15% by balance
Credit union · 11 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Minimum balance of $2,500 to earn dividends and: an active checking account at RCU (minimum 3 transactions per month excluding 24-hour telephone teller, fee or dividend posting transactions), an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances per month), and one of the following: minimum monthly digital deposit of $500 or more, open loan at RCU in good standing, investment account through Redwood Wealth Management with minimum balance of $5,000, or active property and casualty insurance policy through RCU Insurance Services.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier MM Balance APY $2,500 and up 4.00% $10,000 and upYour amount 4.00% $25,000 and up 4.00% $50,000 and up 4.00% $100,000 and up 4.00% $150,000 and up 4.05% $250,000 and up 4.05% $500,000 and up 4.15% $1,000,000 and up 4.15% Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 2 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Patelco Credit UnionMoney Market PlusMoney Market Plus · $1 min · 2.50%–3.25% by balance
Credit union · 2 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 - Redwood Credit UnionPerformance MMPerformance MM · $100 min · 2.00%–3.15% by balance
Credit union · 11 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Minimum balance of $100 to earn dividends, an active checking account at RCU (minimum 3 transactions per month excluding telephone teller, fee or dividend posting transactions), and one of the following: minimum monthly digital deposit of $500.00 or more into account, an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances), an open loan at RCU in good standing, an investment account through Redwood Wealth Management with minimum balance of $5,000 or more, or active insurance policy.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Performance MM Balance APY $100 and up 2.00% $10,000 and upYour amount 2.00% $25,000 and up 2.25% $50,000 and up 2.50% $100,000 and up 2.75% $150,000 and up 3.00% $250,000 and up 3.00% $500,000 and up 3.15% $1,000,000 and up 3.15% Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 3 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 - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
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 - Redwood Credit UnionMM GrowthMM Growth · $100 min · 1.00%–1.40% by balance
Credit union · 11 branches
1.00%APY$100 a year on $10,000Requirements
Product: Minimum balance of $100 to earn dividends.
1.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for MM Growth Balance APY $100 and up 1.00% $10,000 and upYour amount 1.00% $25,000 and up 1.00% $50,000 and up 1.00% $100,000 and up 1.25% $150,000 and up 1.25% $250,000 and up 1.25% $500,000 and up 1.40% $1,000,000 and up 1.40% Rate checked
More details - Community First Credit UnionAdvantage Money MarketAdvantage Money Market · $10,000 min · 1.00%–1.50% by balance
Credit union · 5 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account.
Offer: Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account.
Qualified rate · 1.00% interest rate
Rate by balance
Rate by balance for Advantage Money Market Balance APY $10,000 and upYour amount 1.00% $50,000 and up 1.25% $100,000 and up 1.25% $150,000 and up 1.30% $250,000 and up 1.40% $500,000 and up 1.50% $1,000,000 and up 1.50% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 8 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 - Community First Credit UnionMoney MarketMoney Market · $100 min · 0.75%–1.15% by balance
Credit union · 5 branches
0.75%APY$75 a year on $10,0000.75% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $100 and up 0.75% $1,000 and up 0.75% $10,000 and upYour amount 0.75% $50,000 and up 0.80% $100,000 and up 1.00% $150,000 and up 1.00% $250,000 and up 1.00% $500,000 and up 1.00% $1,000,000 and up 1.15% Rate checked
More details - OE Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–0.80% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Start saving with $1,000 minimum opening deposit. Dividends compound monthly. Up to 6 free withdrawals or transfers per month ($15 fee per transaction thereafter).
Offer: Minimum to earn dividend: $1,000. Compounding period: Monthly.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.60% $10,000 and upYour amountMinimum to earn dividend: $10,000. 0.65% $25,000 and upMinimum to earn dividend: $25,000. 0.65% $50,000 and upMinimum to earn dividend: $50,000. 0.70% $100,000 and upMinimum to earn dividend: $100,000. 0.75% $250,000 and upMinimum to earn dividend: $250,000. 0.80% 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 Santa Rosa, CA metro
60 accounts at 16 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.43%
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Santa Rosa, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Redwood Credit UnionCredit union · 11 branches