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 Sacramento, CA
- 4.40%APY$440 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: Promotional APY Boost: New SoFi Checking and Savings members receive a 1.10% APY boost to the current Savings APY of 3.30% for up to 6 months by opening an account between 9/3/2026 and 12/31/2027 and receiving an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 days. Limited to one SoFi Savings account; cannot be combined with SoFi Plus 4.70% APY.
Qualified rate · No monthly fee · Effective Oct 20, 2026
Rate checked
More details - 3.30%APY$330 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: Requires Eligible Direct Deposit (monthly direct deposits) or Qualifying Deposits ($5,000 or more every 31 days). No minimum balance requirement. Fees may reduce earnings.
Qualified rate · 3.27% interest rate · No monthly fee · Effective Oct 20, 2026
Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts 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.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - 2.12%APY$212 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
Offer: Variable rate. Member must maintain $5 par value. $5 monthly below-balance fee waived with a daily balance of $500 or more.
2.10% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 2 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 - Sacramento Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–3.51% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Money Market requires $2,500 to open. Dividends are compounded and credited monthly. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Fees may reduce earnings.
0.15% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.15% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.00% $50,000 – $99,999 1.76% $100,000 – $249,999 2.02% $250,000 – $499,999 2.50% $500,000 and up 3.51% Rate checked
More details - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 11 branches
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 - SchoolsFirst FCULiquid Advantage Money MarketLiquid Advantage Money Market · $2,000 min · 0.75%–1.50% by balance
Credit union · 4 branches
1.00%APY$100 a year on $10,000Requirements
Offer: Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open.
0.75% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Liquid Advantage Money Market Balance APY $2,000 – $10,000 0.75% $10,000 – $100,000Your amount 1.00% $100,000 and up 1.50% Rate checked
More details - SAFE Credit UnionLevel Up Money MarketLevel Up Money Market · $25 min · 0.85%–2.22% by balance
Credit union · 3 branches
0.85%APY$85 a year on $10,000Requirements
Product: Earns highest dividend rate for which daily balance qualifies on entire account balance. Dividends paid monthly. Variable rate changes monthly.
Offer: Tier: under $10,000. Earns highest dividend rate for which daily balance qualifies on entire account balance.
0.85% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Level Up Money Market Balance APY Up to $10,000 0.85% $10,000 – $25,000Your amount 0.85% $25,000 – $50,000 1.36% $50,000 – $100,000 1.61% $100,000 – $250,000 1.87% $250,000 and up 2.22% Rate checked
More details - 0.80%APY$80 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: Standard rate earned automatically with no additional requirements needed. Variable rate. No minimum balance requirement.
Qualified rate · 0.80% interest rate · No monthly fee
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 2 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 - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: SoFi members with Eligible Direct Deposit activity can earn 0.50% APY on savings balances. Variable rate. No minimum balance requirement.
Qualified 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 Sacramento, CA
65 accounts at 21 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.10%
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Sacramento, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Travis Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 3 branches