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 376–390 results in California
- East County Schools Federal Credit UnionPlatinum Access Market Share AccountPlatinum Access Market Share Account · $2,500 min · 0.00%–0.60% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Minimum balance to open is $2,500. Minimum withdrawal amount is $300. Unlimited in-branch withdrawals or transfers. No monthly fees. Check access up to 6 per month with free personalized checks. Dividends calculated daily and paid monthly. Can be tied to ATM/Debit Card for ATM access.
Offer: Balance tier < $10,000
0.00% interest rate · No monthly fee · Effective May 1, 2025
Rate by balance
Rate by balance for Platinum Access Market Share Account Balance APY Up to $10,000 0.00% $10,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.35% $50,000 – $99,999 0.45% $100,000 – $225,000 0.50% $225,000 and up 0.60% Rate checked
More details - SeaWest Coast Guard Federal Credit UnionRegular SavingsSavings · $0 min · 0.15%–0.35% by balance
Credit union · 2 branches
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 - Montecito Bank & TrustRelationship Bonus Money MarketRelationship Bonus Money Market · $100 min · 0.20%–0.30% by balance
Bank · 16 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 is waived by maintaining a $2,500 minimum daily balance. Account pays tiered relationship bonus interest rates when maintaining an eligible personal checking account. If checking account is closed, relationship bonus rates revert to Montecito Money Fund rates. Simple interest accrues daily, compounded monthly and paid monthly. Features checkwriting capabilities.
Offer: Requires primary owner to maintain an Access Checking or Private Access Checking account.
Qualified rate · 0.20% interest rate · Compounded monthly · $10 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Relationship Bonus Money Market Balance APY Up to $9,999 0.20% $10,000 – $49,999Your amount 0.20% $50,000 – $99,999 0.20% $100,000 – $499,999 0.25% $500,000 and up 0.30% Rate checked
More details - Educational Employees Credit UnionSavings Account (Share Savings)Savings · $250 min · 0.10%–0.20% by balance
Credit union · 22 branches
0.20%APY$20 a year on $10,000Requirements
Product: Open and maintain account with a $5 deposit ($10 for joint accounts). Balances under $250 do not earn dividends. Deposits are federally insured by NCUA.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account (Share Savings) Balance APY $250 – $5,000 0.10% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.20% Rate checked
More details - Educational Employees Credit UnionSub-Share Savings AccountSavings · $250 min · 0.10%–0.20% by balance
Credit union · 22 branches
0.20%APY$20 a year on $10,000Requirements
Product: Designed for setting aside money in a separate account for specific savings goals (emergencies, vacation, wedding, college). Shares features and rate schedule of regular share savings.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Sub-Share Savings Account Balance APY $250 – $5,000 0.10% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Primary membership savings account option. Membership eligibility required.
Offer: Requires $5 minimum balance and $100 average daily balance for dividend/interest rate.
0.20% interest rate · No monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Membership eligibility required.
Offer: Requires $5 minimum balance and $100 average daily balance for dividend/interest rate.
0.20% interest rate
Rate checked
More details - Together Credit UnionAccelerate It SavingsSavings · $100 min · 0.20%–5.00% by balance
Credit union · 2 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Must be 19 years of age or older (or 22 years or older per rates disclosure) and have an open checking account located under the same membership number; converts to Regular Savings if checking account is closed. One account per SSN or TIN. Membership eligibility required.
Offer: Requires open checking account under the same membership number. $100 average daily balance required for dividend/interest rate.
Qualified rate · 4.89% interest rate · Effective Jun 1, 2025
Rate by balance
Rate by balance for Accelerate It Savings Balance APY $100 – $5,001 5.00% $5,001 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Add-on account for special goals requiring an existing primary membership savings account. Membership eligibility required.
Offer: Requires $100 average daily balance for dividend/interest rate. $0 minimum balance requirement.
0.20% interest rate · No monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Offer: Monthly maintenance service charge of $5 is waived with a minimum balance of $200 or with at least one direct deposit (or EFT credit / AutoSave deposit transfer) during the month.
0.20% interest rate · $5 monthly fee · Effective Sep 24, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Offer: Monthly maintenance service charge is avoided with a minimum balance of $1,000.
0.20% interest rate · $5 monthly fee · Effective Sep 24, 2026
Rate by balance
Rate by balance for UNITY E-Gold Savings Balance APY $1,000 – $25,000Your amount 0.20% $25,000 – $100,000 0.30% $100,000 and up 0.40% Rate checked
More details - California Community Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.20%–0.75% by balance
Credit union · 3 branches
0.20%APY$20 a year on $10,000Requirements
Product: Must maintain $2,500.00 balance to avoid minimum balance violation fee of $10.00 per month. No minimum daily balance requirement to earn dividends. Funds can be used to provide overdraft protection for checking account.
Offer: Variable rate. Must maintain $2,500.00 balance to avoid minimum balance violation fee of $10.00 per month.
0.75% interest rate · $10 monthly fee · Effective Mar 31, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 0.75% $10,000 – $50,000Your amount 0.20% $50,000 – $250,000 0.30% $250,000 and up 0.30% Rate checked
More details - Monterey Credit UnionHigh Rate SavingsSavings · $0 min · 0.00%–0.20% by balance
Credit union · 4 branches
0.20%APY$20 a year on $10,000Requirements
Product: Must establish a Main Share account first. All deposited funds earn the rate for the tier.
Offer: Monthly service fee is $15.00 (Primary/Preferred); waived if minimum daily account balance exceeds $10,000.00 or with Premier Relationship Rewards.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for High Rate Savings Balance APY Up to $10,000 0.00% $10,000 and upYour amount 0.20% Rate checked
More details - Monterey Credit UnionPlatinum SavingsSavings · $0 min · 0.00%–1.00% by balance
Credit union · 4 branches
0.20%APY$20 a year on $10,000Requirements
Product: Must establish a Main Share account first. All deposited funds earn the rate for the tier.
Offer: Monthly service fee is $15.00 (Primary/Preferred); waived if minimum daily account balance exceeds $10,000.00 or with Premier Relationship Rewards.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Platinum Savings Balance APY Up to $10,000 0.00% $10,000 – $100,000Your amount 0.20% $100,000 and upMonthly service fee waived if minimum daily account balance exceeds $10,000.00 or with Premier Relationship Rewards. 1.00% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividends are compounded and credited monthly.
0.20% interest rate
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 California
795 accounts at 288 banks and credit unions · checked Oct 22–23
- Typical
- 0.19%
- Top 10% from
- 2.29%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.20%
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California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Star One Credit UnionCredit union · 6 branches
- Skyla Credit UnionCredit union · 1 branch