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 91–105 results in California
- Valley Strong Credit UnionPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Credit union · 28 branches
2.05%APY$205 a year on $10,000Requirements
Product: Valley Strong Membership is required. Variable rate account. Fees may reduce earnings.
Offer: Minimum deposit of $2,500 required and must be maintained to earn the promotional APY. Valley Strong Membership required.
2.03% interest rate · Effective Mar 1, 2026
Rate checked
More details - Ukrainian Federal Credit UnionMoney MarketMoney Market · $500 min · 0.10%–3.30% by balance
Credit union · 2 branches
2.02%APY$202 a year on $10,000Requirements
Product: No monthly maintenance fee. Minimum balance and minimum balance to earn dividends is $500. Limit of 3 withdrawals per month before a fee is imposed, with a minimum of $100 per withdrawal.
Offer: Minimum daily balance and balance to earn dividends is $500. Up to 3 withdrawals per month before a fee is imposed; minimum $100 per withdrawal.
0.10% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $2,500 0.10% $2,500 – $25,000Your amount 2.02% $25,000 – $100,000 2.53% $100,000 – $250,000 3.04% $250,000 – $1,000,000 3.30% Rate checked
More details - Santa Cruz Community Credit UnionFlexFundSavings · $500 min · 0.04%–2.02% by balance
Credit union · 3 branches
2.02%APY$202 a year on $10,000Requirements
Product: Minimum opening balance $500. Maximum initial balance $25,000. Up to 6 withdrawals per month allowed without penalty; $5 fee charged per withdrawal thereafter. No maintenance fees. Account earns a blended rate with APY based on balance (e.g. $4,999 balance earns blended 1.77% APY, $25,000 earns blended 1.97% APY, $30,000 earns blended 1.65% APY).
Offer: Opening balance $500 - $4,999. Minimum balance $500 to earn stated APY. Blended APY example: $4,999 balance earns blended rate of 1.77% APY.
1.75% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for FlexFund Balance APY $500 – $4,999 1.76% $5,000 – $25,000Your amount 2.02% $25,001 and upBlended APY example: $30,000 balance earns blended rate of 1.65% APY. 0.04% Rate checked
More details - American Airlines Federal Credit UnionPrimary Savings AccountSavings · $6 min
Credit union · 3 branches
2.02%APY$202 a year on $10,000intro rateRequirements
Product: One-time $1.00 membership fee. Dividends compounded and credited monthly. Minimum daily balance of $5.00 to earn dividends.
Offer: Minimum daily balance to earn dividends is $5.00. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: No minimum balance. No monthly service fees. Ability to set up recurring monthly deposit or deposit on your own. Dividends compounded and credited monthly.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: Dividends compounded and credited monthly. No minimum balance required.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - McKesson & Healthcare Providers FCUSelect Share Money MarketSelect Share Money Market · $1 min · 0.05%–2.79% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000with conditionsRequirements
Product: Requires a MAHPFCU suffix opened under the same Member Number with a total monthly direct deposit of $500 or more (established within 60 days of opening). If the account fails to meet eligibility, a default rate of 0.05% APY applies.
Offer: Default interest rate if account fails to meet direct deposit eligibility requirement ($500/month)
Qualified rate · No monthly fee · Effective Nov 1, 2025
Rate by balance
Rate by balance for Select Share Money Market Balance APY Any balance 0.05% Up to $25,000Your amountLevel I; variable blended APY of 2.02% (or 2.02%-2.02%); requires $500/month qualifying direct deposit 2.02% $25,000 – $50,000Level II; variable blended APY range 2.02%-2.15%; requires $500/month qualifying direct deposit 2.28%* $50,000 – $100,000Level III; variable blended APY range 2.15%-2.34%; requires $500/month qualifying direct deposit 2.53%* $100,000 – $250,000Level IV; variable blended APY range 2.34%-2.48%; requires $500/month qualifying direct deposit 2.58%* $250,000 – $500,000Level V; variable blended APY range 2.48%-2.61%; requires $500/month qualifying direct deposit 2.74%* $500,000 and upLevel VI; variable blended APY range 2.61%-2.79%; requires $500/month qualifying direct deposit 2.79%* Rate checked
More details - 2.00%APY$200 a year on $10,000intro rate
Requirements
Product: Promotional rate available on eligible new money deposited from October 1 through December 31, 2026. Existing balance baseline as of September 30, 2026 earns the standard APY. New money refers to funds not currently held at SF Fire Credit Union or funds held in another SF Fire account for 30 days or less. Active and retired Fire Department employees qualify for a 0.25% promotional rate bump on new money (4.60% APY) and a 0.10% bump on standard balance.
Offer: Standard APY applies to balance equal to or below the September 30, 2026 baseline, or funds not qualifying as eligible new money. Active and retired Fire Department employees qualify for a 0.10% rate bump.
Promotional rate · 1.98% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Redwood Credit UnionPerformance MMPerformance MM · $100 min · 2.00%–3.15% by balance
Credit union · 23 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Minimum balance of $100 to earn dividends, an active checking account at RCU (minimum 3 transactions per month excluding telephone teller, fee or dividend posting transactions), and one of the following: minimum monthly digital deposit of $500.00 or more into account, an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances), an open loan at RCU in good standing, an investment account through Redwood Wealth Management with minimum balance of $5,000 or more, or active insurance policy.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Performance MM Balance APY $100 and up 2.00% $10,000 and upYour amount 2.00% $25,000 and up 2.25% $50,000 and up 2.50% $100,000 and up 2.75% $150,000 and up 3.00% $250,000 and up 3.00% $500,000 and up 3.15% $1,000,000 and up 3.15% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: No monthly maintenance fee, no minimum balance requirement to earn dividends if qualifications are met, and no cap on dividend earnings. $1,000 minimum required to open account and earn dividends ($100 for members age 23 and under). Requires opening a primary savings account with $5.00 minimum balance for membership. Dividends calculated via daily balance method and credited monthly. APY applied in the following month.
Offer: Tier 1 requirements: Qualifying government or payroll direct deposits totaling at least $2,500 per calendar month and at least 5 qualifying purchase transactions using a Pacific Service CU debit card and/or Visa credit card posting during the same calendar month. Opening deposit of $1,000 required ($100 for age 23 and under).
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Membership eligibility required. Variable rate account. Pre-authorized withdrawal transaction limits apply (up to 6 maximum withdrawal transactions per month including overdraft, telephone, online, Call-24, ACH debit, allocation transfers, or up to 3 checks; unlimited in-person, ATM, mail/messenger withdrawals).
Offer: Rate is tiered (the more you save, the higher your rate) earning up to 2.00% APY. Variable rate subject to change after account opening.
No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: For teachers and school personnel. Minimum balance to earn dividends is $100. Quarterly dividend period.
Offer: For teachers and school personnel. Quarterly dividend period. Minimum balance to earn dividends is $100.
1.98% interest rate · Effective Sep 25, 2026
Rate checked
More details - City First BankHigh Yield Consumer Money MarketHigh Yield Consumer Money Market · $10,000 min · 2.00%–2.25% by balance
Bank · 2 branches
2.00%APY$200 a year on $10,000Requirements
Product: $8.00 monthly service charge applies if $10,000.00 minimum monthly average balance requirement is not met.
Offer: $8.00 monthly service charge applies if minimum monthly average balance of $10,000.00 is not met.
1.98% interest rate · $8 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Consumer Money Market Balance APY Up to $249,999Your amount 2.00% $250,000 and up 2.25% Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 102 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 $10,000intro rate
Requirements
Product: No balance minimums, no monthly fees, and no direct deposit requirements.
Offer: Account must be funded with new money not currently held at SF Fire Credit Union (or funds in another SF Fire account for 30 days or less). Minimum positive balance of $0.01 required to earn dividends.
Promotional rate · No monthly fee · Effective Nov 1, 2024
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