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 631–645 results in California
- California Coast Credit UnionSpecial SavingsSavings · $25 min · 0.00%–0.05% by balance
Credit union · 26 branches
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 · 26 branches
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 - Farmers & Merchants BankMarket Rate SavingsSavings · $100 min · 0.03%–0.05% by balance
Bank · 27 branches
0.05%APY$5 a year on $10,000Requirements
Product: A savings account that allows easy access to excess funds. $10 minimum balance fee per quarter if the average daily balance for the quarter falls below $500. A per check/withdrawal fee of $3 for each transaction if the account balance falls below $1,000 any day of the quarter on withdrawals exceeding three per quarter. A $5 paper statement fee applies unless enrolled in eStatements. $20 early closure fee if closed within 180 days.
Offer: Variable interest rate; interest accrues daily, compounded and credited quarterly. If closed before interest is credited, accrued interest is not received.
0.03% interest rate
Rate by balance
Rate by balance for Market Rate Savings Balance APY Up to $10,000 0.03% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 and up 0.05% Rate checked
More details - BCURegular Money MarketRegular Money Market · $1,000 min · 0.05%–0.30% by balance
Credit union · 3 branches
0.05%APY$5 a year on $10,000Requirements
Product: No minimum monthly balance and no maintenance fees. Up to six penalty-free withdrawals per month.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Money Market Balance APY $1,000 – $24,999Your amount 0.05% $25,000 – $99,999 0.10% $100,000 – $249,999 0.15% $250,000 – $499,999 0.20% $500,000 and up 0.30% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: A $2 monthly paper statement fee applies unless enrolled in eStatements. Dividends are calculated by the daily balance method, compounded and paid monthly.
Offer: No minimum balance required to earn dividends.
0.05% interest rate · Effective Sep 21, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes First City membership.
Offer: Minimum balance to earn APY is $100.
0.05% interest rate · Effective Oct 5, 2026
Rate checked
More details - University Credit UnionMoney Market PlusMoney Market Plus · $1,000 min · 0.05%–3.45% by balance
Credit union · 3 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Requires a minimum opening deposit of $1,000. Minimum balance of $25. Variable-rate account; rates vary by balance tier and apply to the entire account balance. To earn advertised relationship dividend rate and APY, members must maintain an active UCU checking account under the same member number and receive qualifying deposits totaling at least $1,000 each calendar month (direct deposit, ACH, Zelle, Venmo, PayPal, cash/check deposit, incoming wire; internal transfers, chargebacks, and promotional incentives do not qualify). If checking requirements are not met, default rate is paid (0.05% APY). Dividends calculated daily, compounded and paid monthly.
Offer: Default dividend rate / base tier if checking account or $1,000 qualifying monthly deposit requirement is not met, or for balances under $25,000.
Qualified rate · 0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $24,999Your amount 0.05% $25,000 – $49,999Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. 2.70% $50,000 – $99,999Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. 2.90% $100,000 – $249,999Requires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. 3.20% $250,000 and upRequires active UCU checking account under the same member number and qualifying monthly deposits totaling at least $1,000. Rate applies to entire balance. 3.45% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Dividends credited quarterly. Membership requirements apply.
Offer: Dividends credited quarterly.
Effective Sep 22, 2026
Rate checked
More details - San Diego County Credit UnionMoney MarketMoney Market · $5,000 min · 0.05%–0.20% by balance
Credit union · 39 branches
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: Establishes and maintains Parishioners Federal Credit Union membership. Can be opened with as little as $10 ($5 membership fee and $5 opening deposit). Dividends calculated monthly on daily balance and posted quarterly.
Offer: Includes $5 membership fee and $5 opening deposit.
0.05% interest rate · No monthly fee · Effective 2026-09
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership savings account essential for maintaining membership with Upward Credit Union. Requires a minimum balance of $25 to keep active.
0.05% interest rate · No monthly fee · Effective Mar 1, 2025
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes membership with HCCU. Dividends compounded and paid monthly. Up to 6 free withdrawals per month; $3 fee for withdrawals in excess thereafter.
0.05% interest rate · Effective Sep 29, 2026
Rate checked
More details - Corazo Credit UnionRegular SavingsSavings · $5 min · 0.05%–0.10% by balance
Credit union · 4 branches
0.05%APY$5 a year on $10,000Requirements
Product: Dividends are paid monthly. Member share account required for credit union membership.
Offer: Variable rate type. Minimum balance to earn dividend is $5.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000Your amount 0.05% $10,001 and up 0.10% 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 22–24
- 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
- F&A Credit UnionCredit union · 2 branches