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 El Cajon, CA
- California Coast Credit UnionSmart SavingsSavings · $1,000 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: $1,000 minimum deposit to open and earn dividends. No monthly maintenance fee. $5 one-time membership fee required.
Offer: Under $1,000 earns no dividends.
0.00% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Smart Savings Balance APY Up to $1,000 0.00% $1,000 and upYour amount$1,000 or more earns 0.05% APY / Dividend Rate. 0.05% Rate checked
More details - California Coast Credit UnionSpecial SavingsSavings · $25 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: $25 minimum deposit to open. $50 minimum balance to earn dividends. No monthly maintenance fee. $5 one-time membership fee required.
Offer: Under $50 earns no dividends.
0.00% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Special Savings Balance APY Up to $50 0.00% $50 and upYour amount$50 or more earns 0.05% APY / Dividend Rate. 0.05% Rate checked
More details - California Coast Credit UnionMoney Market SavingsMoney Market Savings · $1,000 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Open with a $1,000 minimum deposit. No monthly maintenance fee. Minimum balance of $2,500 required to earn dividends.
Offer: No dividends paid on balances under $2,500.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $90,000 0.05% $90,000 – $500,000 0.05% $500,000 and up 0.05% Rate checked
More details - San Diego County Credit UnionMoney MarketMoney Market · $5,000 min · 0.05%–0.20% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Membership required: open to anyone living or working in Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties, immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee. Not available for chartered financial institutions or business accounts.
Offer: Must maintain a minimum average daily balance of $100 to earn the APY.
0.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $100 – $5,000 0.05% $5,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.15% $100,000 and up 0.20% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Dedicated account to separate savings for long term goals (e.g. vacation savings, holiday savings). Must maintain a $1 savings balance. Minimum average daily balance of $100 in SDCCU account to earn APY.
Offer: Average daily balance to earn APY: $100.00+.
0.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Must maintain a minimum average daily balance of $1 in SDCCU account to avoid a Primary savings account with less than $1 fee. Minimum average daily balance of $100 to earn APY. All customers are required to open and maintain a primary savings account with a minimum balance of $1.
Offer: Average daily balance to earn APY: $100.00 +.
0.05% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership required. Also referred to as Regular Savings. Low $25 minimum balance to earn dividends; no minimum opening deposit; no monthly maintenance fees.
0.05% interest rate · No monthly fee · Effective Apr 17, 2026
Rate checked
More details - First Citizens BankMoney Market AccountMoney Market Account · $500 min · 0.05%–0.15% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Interest rates for money market savings accounts may vary depending on your area.
Offer: Maintain a $1,000 daily balance to avoid a $10 maintenance fee.
$10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.05% $1,000 – $9,999 0.05% $10,000 – $24,999Your amount 0.05% $25,000 – $49,999 0.07% $50,000 – $99,999 0.07% $100,000 – $499,999 0.10% $500,000 and up 0.15% Rate checked
More details - California Credit UnionShare SavingsSavings · $0 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Federally chartered credit union membership requires maintaining a Share Savings, Student Savings, Business Savings, or School Business Savings account with a $0.01 opening deposit.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Share Savings Balance APY Up to $100 0.00% $100 and upYour amount 0.05% Rate checked
More details - East County Schools Federal Credit UnionPrimary Share SavingsSavings · $5 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Establishing lifetime membership requires opening a share savings account with minimum $5.00 (one share). No monthly fee. Up to 8 different accounts allowed.
0.05% interest rate · No monthly fee · Effective May 1, 2025
Rate checked
More details - Wheelhouse Credit UnionMoney MarketMoney Market · $1,000 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,0000.05% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $90,000 0.10% $90,000 and up 0.10% 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 - 0.03%APY$3 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
Qualified rate · 0.03% interest rate · $4.50 monthly fee
Rate checked
More details - Mission Fed Credit UnionMoney MarketMoney Market · $2,500 min · 0.03%–0.05% by balance
Credit union · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Must meet membership and account criteria. Average daily balance requirement of $2,500; no dividends are earned on balances less than $2,500.
Offer: No dividends earned on balances less than $2,500.
0.03% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $49,999Your amount 0.03% $50,000 and up 0.05% Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Must meet membership and account criteria. Limit 7 Standard Savings per member. Can be used for Checking or spending overdraft protection.
Offer: Any Balance. No monthly fee or minimum balance requirements, other fees may apply.
0.03% interest rate · No monthly fee
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 El Cajon, CA
59 accounts at 17 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.05%
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San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches