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 Ontario, CA
- 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY).
Offer: To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY).
Qualified rate · 3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 4.00% $25,000 – $50,000 2.00% Over $50,000 0.05% 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 - Rize Credit UnionMoney Market AccountsMoney Market Accounts · $0 min · 1.25%–2.50% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,0001.24% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $25,000Your amount 1.25% $25,000 – $50,000 1.30% $50,000 – $100,000 1.45% $100,000 – $250,000 2.25% $250,000 and up 2.50% Rate checked
More details - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: All dividends are compounded monthly. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers; end-of-day balance determines the tier. There is no minimum balance requirement to obtain the APY.
0.05% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 – $500,000 2.50% $500,000 and up 3.50% Rate checked
More details - Vida Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Maximum of five withdrawals per month is permitted; excess withdrawals subject to a per-transaction fee. Minimum withdrawal is $100. Standard check order included free at account opening ($15 value).
Offer: Minimum balance to earn APY is $2,500. Minimum initial deposit and minimum balance to maintain is $2,500. For all accounts except certificates, dividend rate and APY may change every month as determined by the Board of Directors.
0.70% interest rate · No monthly fee
Rate checked
More details - Wescom FinancialAsset Maximizer Account (AMA)Asset Maximizer Account (AMA) · $2,500 min · 0.45%–0.95% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000with conditionsRequirements
Product: Must have a Wescom Wealth Management Service Investment Account with a minimum balance of $10,000 to qualify. Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required.
Offer: Platinum Signature Member tier. Requires Wescom Wealth Management Service Investment Account with a minimum balance of $10,000. Minimum balance and opening deposit to obtain APY is $2,500.
Qualified rate · 0.45% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Asset Maximizer Account (AMA) Balance APY $2,500 – $9,999 0.45% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.65% $50,000 – $99,999 0.75% $100,000 – $249,999 0.85% $250,000 and up 0.95% Rate checked
More details - Wescom FinancialAsset Maximizer Account (AMA)Asset Maximizer Account (AMA) · $2,500 min · 0.40%–0.90% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Must have a Wescom Wealth Management Service Investment Account with a minimum balance of $10,000 to qualify. Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required.
Offer: Signature Member tier. Requires Wescom Wealth Management Service Investment Account with a minimum balance of $10,000. Minimum balance and opening deposit to obtain APY is $2,500.
Qualified rate · 0.40% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Asset Maximizer Account (AMA) Balance APY $2,500 – $9,999 0.40% $10,000 – $24,999Your amount 0.50% $25,000 – $49,999 0.60% $50,000 – $99,999 0.70% $100,000 – $249,999 0.80% $250,000 and up 0.90% Rate checked
More details - First Financial Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.40%–0.55% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: Must maintain the minimum daily balance of $2,500 in this Account to avoid a monthly Low Balance Fee as set forth in the Fee Schedule and to earn the disclosed APY.
Offer: Must maintain the minimum daily balance of $2,500 to avoid a monthly Low Balance Fee and earn disclosed APY.
0.40% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 and up 0.40% $10,000 – $24,999Your amount 0.45% $25,000 – $99,999 0.50% $100,000 and up 0.55% Rate checked
More details - Wescom FinancialAsset Maximizer Account (AMA)Asset Maximizer Account (AMA) · $2,500 min · 0.35%–0.85% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Must have a Wescom Wealth Management Service Investment Account with a minimum balance of $10,000 to qualify. Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required.
Offer: Standard Member tier. Requires Wescom Wealth Management Service Investment Account with a minimum balance of $10,000. Minimum balance and opening deposit to obtain APY is $2,500.
Qualified rate · 0.35% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Asset Maximizer Account (AMA) Balance APY $2,500 – $9,999 0.35% $10,000 – $24,999Your amount 0.45% $25,000 – $49,999 0.55% $50,000 – $99,999 0.65% $100,000 – $249,999 0.75% $250,000 and up 0.85% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: No early withdrawal penalty.
0.40% interest rate · Effective Sep 1, 2026
Rate checked
More details - City National BankPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.35%–3.82% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Tiered interest rates. Unlimited withdrawals or transfers. $20 monthly maintenance fee waived with a $2,500 minimum daily balance. Can provide overdraft protection for City National Bank checking accounts.
Offer: $20 monthly fee waived with a $2,500 minimum daily balance.
0.35% interest rate · $20 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $10,000 0.35% $10,000 – $25,000Your amount 0.35% $25,000 – $5,000,000Introductory rate for new personal deposit clients who open a qualifying checking account and deposit at least $25,000 in new money within 30 days. 3.82% $5,000,000 – $10,000,000 0.80% $10,000,000 and up 0.80% Rate checked
More details - Wescom FinancialMoney MarketMoney Market · $2,500 min · 0.20%–0.70% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Tier dividend rate is determined by each day's ending balance. Dividends are compounded daily and credited on the last day of each monthly cycle. Membership eligibility required; $1 deposit to Regular Savings required.
Offer: Platinum Signature Member tier. Minimum opening deposit and minimum balance to obtain APY is $2,500.
0.20% interest rate · Compounded daily · Effective Jan 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.20% $10,000 – $24,999Your amount 0.30% $25,000 – $49,999 0.40% $50,000 – $99,999 0.50% $100,000 – $249,999 0.60% $250,000 and up 0.70% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000with conditions
Requirements
Product: You must have a First Financial Credit Union (FFCU) Checking Account and either Direct Deposit or Payroll Deduction to be eligible to earn additional dividends from other qualifying FFCU services. You must maintain the average daily balance of $1,000 to avoid closure of this account and to receive yields. Fees may be charged monthly if balance falls below $1,000 at any time within a calendar month. Dividend yield will be increased for a maximum of 5 elective products/services, 2 of which must be checking and Direct Deposit/Payroll Deduction; any additional electives will not result in further increases. In addition, the elective products/services must be under the same account number as your SuperSavers account. APY paid on average daily balance and on all eligible electives on the last business weekday of the quarter. Qualifying FFCU services include mortgages, home equity loans, HELOC, auto, RV and motorcycle loans, and eStatements. Certain other qualifying services count as one service each: unsecured personal loans (including lines of credit), credit cards, share certificates (excluding IRA certificates), SuperSavers accounts, and IRAs.
Offer: & 3 electives
Qualified rate · 0.25% interest rate · Effective Oct 13, 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 Ontario, CA
54 accounts at 15 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 0.66%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.20%
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Find your bank or credit union to see all its rates and how they compare near you.
Riverside, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Thinkwise Credit UnionCredit union · 2 branches
- CU SoCalCredit union · 4 branches