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 Rosa, CA metro
- 0.50%APY$50 a year on $10,000
Requirements
Product: Available for individual and joint account holders. Businesses, trusts, and other legal entities are not eligible online.
Offer: A minimum balance of $1,000 must be maintained to obtain the advertised APY. A monthly $5.00 paper statement fee applies unless electronic statements are elected.
0.49% interest rate · No monthly fee
Rate checked
More details - Summit State BankPersonal Money MarketPersonal Money Market · 0.00%–0.35% by balance
Bank · 4 branches
0.35%APY$35 a year on $10,000Requirements
Product: Must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates are subject to change after the account is opened. Fees could reduce earnings on the account. APY is subject to change without prior notice.
Offer: Under $2,500
0.00% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Any balance 0.00% $2,500 and upYour amount$2,500 and above 0.35% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.23%–0.73% by balance
Bank · 17 branches
0.33%APY$33 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Platinum tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Platinum balance criteria) in related deposit balances.
Qualified rate · 0.23% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.23% $10,000 – $49,999Your amount 0.33% $50,000 – $99,999 0.38% $100,000 and up 0.73% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.22%–0.72% by balance
Bank · 17 branches
0.32%APY$32 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Gold tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more (Gold balance criteria) in related deposit balances.
Qualified rate · 0.22% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.22% $10,000 – $49,999Your amount 0.32% $50,000 – $99,999 0.37% $100,000 and up 0.72% Rate checked
More details - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.21%–0.71% by balance
Bank · 17 branches
0.31%APY$31 a year on $10,000with conditionsRequirements
Offer: Premier Plus Rewards Program Silver tier: requires an open Premier Plus Checking account and combined average daily ledger balance of $25,000 or more in related deposit balances.
Qualified rate · 0.21% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.21% $10,000 – $49,999Your amount 0.31% $50,000 – $99,999 0.36% $100,000 and up 0.71% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 8 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 - Exchange BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.20%–0.70% by balance
Bank · 17 branches
0.30%APY$30 a year on $10,000with conditionsQualified rate · 0.20% interest rate · $12 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $9,999 0.20% $10,000 – $49,999Your amount 0.30% $50,000 – $99,999 0.35% $100,000 and up 0.70% Rate checked
More details - SeaWest Coast Guard Federal Credit UnionRegular SavingsSavings · $0 min · 0.15%–0.35% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: No monthly fees or charges. Federally insured up to $250,000.
Offer: Average daily balance $0.01 – $99.99.
0.15% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $100 0.15% $100 – $2,500 0.15% $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 – $100,000 0.30% $100,000 and up 0.35% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest is compounded daily and credited on the last day of the statement cycle for Money Market accounts. Variable-rate account.
Offer: $1,000 minimum balance to earn interest and avoid $10 monthly service charge.
0.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $14,999Your amount 0.15% $15,000 and up$1,000 minimum balance to avoid $10 monthly service charge. 0.20% Rate checked
More details - 0.13%APY$13 a year on $10,000with conditions
Requirements
Product: Monthly maintenance fee is $25, waived for the first two account cycles after opening or when meeting one of the following requirements during the monthly account cycle: average daily ledger account balance of $50,000 or more; combined average daily ledger balance of $50,000 or more in related deposit balances; or maintaining an account relationship with Exchange Bank Trust and Investments. Excessive withdrawal fee of $15 applies per withdrawal over six withdrawals or transfers per monthly cycle.
Offer: Premier Plus Rewards Program Platinum tier for balance of $24,999 or less.
Qualified rate · 0.13% interest rate · $25 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Signature Plus Savings Balance APY Up to $24,999Your amount 0.13% $25,000 – $99,999 0.13% $100,000 – $249,999 0.18% $250,000 – $499,999 0.20% $500,000 – $999,999 0.19% $1,000,000 and up 0.23% Rate checked
More details - 0.13%APY$13 a year on $10,000with conditions
Requirements
Product: $100 opening min ($0 for CUTMA). No monthly fee. Premier Plus Rewards adds 0.01% Silver, 0.02% Gold, 0.03% Platinum to base rate if combined deposits >= $25k and Premier Plus Checking held.
Offer: Premier Plus Platinum tier (requires combined deposits >= $25k).
Qualified rate · 0.13% interest rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: $100 opening min ($0 for CUTMA). No monthly fee. Premier Plus Rewards adds 0.01% Silver, 0.02% Gold, 0.03% Platinum to base rate if combined deposits >= $25k and Premier Plus Checking held.
Offer: Premier Plus Gold tier (requires combined deposits >= $25k).
Qualified rate · 0.12% interest rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Monthly maintenance fee is $25, waived for the first two account cycles after opening or when meeting one of the following requirements during the monthly account cycle: average daily ledger account balance of $50,000 or more; combined average daily ledger balance of $50,000 or more in related deposit balances; or maintaining an account relationship with Exchange Bank Trust and Investments. Excessive withdrawal fee of $15 applies per withdrawal over six withdrawals or transfers per monthly cycle.
Offer: Premier Plus Rewards Program Gold tier for balance of $24,999 or less.
Qualified rate · 0.12% interest rate · $25 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Signature Plus Savings Balance APY Up to $24,999Your amount 0.12% $25,000 – $99,999 0.12% $100,000 – $249,999 0.17% $250,000 – $499,999 0.19% $500,000 – $999,999 0.18% $1,000,000 and up 0.22% Rate checked
More details - 0.11%APY$11 a year on $10,000with conditions
Requirements
Product: $100 opening min ($0 for CUTMA). No monthly fee. Premier Plus Rewards adds 0.01% Silver, 0.02% Gold, 0.03% Platinum to base rate if combined deposits >= $25k and Premier Plus Checking held.
Offer: Premier Plus Silver tier (requires combined deposits >= $25k).
Qualified rate · 0.11% interest rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: $100 opening min ($0 for CUTMA). No monthly fee. Premier Plus Rewards adds 0.01% Silver, 0.02% Gold, 0.03% Platinum to base rate if combined deposits >= $25k and Premier Plus Checking held.
Offer: Standard tier.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 16, 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 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