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 46–60 results in California
- 3.25%APY$325 a year on $10,000
Requirements
Product: Variable Rate Account
Offer: Rate may change after account is opened.
3.20% interest rate · Effective Oct 6, 2026
Rate checked
More details - Stanford Federal Credit UnionCompanion AccountSavings · 0.10%–3.25% by balance
Credit union · 6 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Must be linked to a Certificate and funded with new money from another financial institution. Membership eligibility required.
Offer: Rate if the linked Certificate is closed (converts to a Share/Savings Account).
Qualified rate · 0.10% interest rate · No monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for Companion Account Balance APY Any balance 0.10% $50 and upYour amountApplies to balances up to those in the linked Certificate. 3.25% Rate checked
More details - Valley Strong Credit UnionRelationship Money MarketRelationship Money Market · $2,500 min
Credit union · 28 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Must maintain both business and consumer share savings and checking to qualify for relationship pricing on consumer and business money market products. $2,500 minimum deposit of new funds required for Consumer Checking and Consumer Money Market and must be maintained to earn the promotional APY. Variable rates; fees may reduce earnings.
Offer: Pricing for San Joaquin and Solano County. Must maintain both business and consumer share savings and checking. $2,500 minimum deposit of new funds required for Consumer Checking and Consumer Money Market and must be maintained.
Qualified rate · 3.20% interest rate · Effective Aug 1, 2026
Rate checked
More details - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Rates are tiered based on the Member's Relationship Rewards tier (determined by qualifying combined household balance). Requires minimum deposit of $10,000 to open and $10,000 balance to earn dividends.
Offer: Elite Relationship Rewards tier (minimum combined household balance: $250,000). Minimum to open & earn dividends: $10,000.
Qualified rate · 3.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 17 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Chevron Federal Credit UnionMarketEdge Money Market SavingsMarketEdge Money Market Savings · $0 min · 0.75%–3.25% by balance
Credit union · 7 branches
3.15%APY$315 a year on $10,000Requirements
Product: High-yield savings account with checks and debit card convenience. No term restrictions. Balances below $2,500 earn regular Primary Share Savings rate. Requires maintaining $25 minimum balance in Primary Share Savings account.
Offer: Balances below $2,500 earn regular Primary Share Savings dividend rate.
0.75% interest rate · No monthly fee
Rate by balance
Rate by balance for MarketEdge Money Market Savings Balance APY Up to $2,500 0.75% $2,500 – $10,000 3.15% $10,000 – $25,000Your amount 3.15% $25,000 – $50,000 3.25% $50,000 – $100,000 3.25% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - 3.10%APY$310 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Relationship APY automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).
Qualified rate
Rate checked
More details - 3.10%APY$310 a year on $10,000
Requirements
Product: Requires active digital banking registration and enrollment in eStatements. For primary High-Yield Savings accounts, an initial opening deposit of $5 is required and a minimum balance of $5 must be maintained at all times to avoid account closure (note on p29 states $1 minimum balance and $10 for membership share). Non-primary High-Yield Savings accounts do not require an initial deposit or minimum balance.
Offer: Local Neighborhood Special rate. Applies to non-primary High-Yield Savings accounts which do not require an initial opening deposit or minimum balance.
Effective Apr 17, 2026
Rate checked
More details - Monet BankMoney Market AccountMoney Market Account · $2,500 min · 0.00%–3.35% by balance
Bank · 2 branches
3.10%APY$310 a year on $10,000Requirements
Product: No fixed terms or maturities. Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $1,000 for branch accounts and $2,500 for online accounts.
Offer: Monthly minimum balance fee of $10.00 assessed if daily balance drops below $1,000 any day of statement cycle.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.00% $1,000 – $24,999Your amount 3.10% $25,000 and up 3.35% Rate checked
More details - 3.05%APY$305 a year on $10,000
Requirements
Product: Rates accurate as of September 1st, 2026. Rates other than Certificates of Deposit may vary after the account is opened. Fees may reduce earnings.
Effective Sep 1, 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 - City First BankPromo High Yield Consumer Money MarketPromo High Yield Consumer Money Market · $10,000 min · 3.02%–3.28% by balance
Bank · 2 branches
3.02%APY$302 a year on $10,000intro rateRequirements
Product: Promotional rate is fixed for 90 days, after which rates become variable and subject to change without notice.
Offer: Fixed rate for 90-day promotional period.
Promotional rate · 2.98% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Promo High Yield Consumer Money Market Balance APY Up to $249,999Your amount 3.02% $250,000 and up 3.28% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Must make monthly installment payments to maintain interest and withdrawal amounts. Minimum contract amount is $1,000 and maximum contract amount is $100,000 per customer (in multiples of $1,000). Minimum opening balance and minimum balance to obtain disclosed APY is the first month installment. Penalty of 3 months' interest on amount withdrawn for early withdrawal.
Offer: Interest compounded daily, credited every 3 months. No monthly service fee.
2.96% interest rate · Compounded daily · No monthly fee · Effective Jan 23, 2026
Rate checked
More details - PremierOne Credit UnionPremier Property SavingsSavings · $0 min · 0.00%–3.00% by balance
Credit union · 6 branches
3.00%APY$300 a year on $10,000Requirements
Product: Tiered rate account to save for property taxes and insurance. Must be a homeowner to qualify (current mortgage statement or proof of home ownership required). Limit one account per member. Each dividend rate applies only to that portion of the balance within each balance range.
Offer: Rate applies to balance tier $0.01 - $30,000.00. Must provide proof of home ownership.
2.96% interest rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Premier Property Savings Balance APY Up to $30,000Your amount 3.00% Over $30,000 0.00% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 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 California
790 accounts at 288 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.41%
- 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
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches