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 Bakersfield, CA metro
- Edwards Federal Credit UnionHigh-Yield Savings Account (HYSA)Savings · $1 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Membership with Edwards Federal Credit Union is required. Account requires direct deposit each month to earn promotional APY; otherwise, or if more than 6 withdrawals occur in a calendar month, the account earns the regular savings dividend rate for that month.
Offer: Requires direct deposit each month and no more than 6 withdrawals per calendar month to qualify for 3.50% APY.
Qualified rate · Balance cap $250,000 · No monthly fee · Effective Nov 1, 2025
Rate checked
More details - Valley Strong Credit UnionRelationship Money MarketRelationship Money Market · $2,500 min
Credit union · 16 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 - Chevron Federal Credit UnionMarketEdge Money Market SavingsMarketEdge Money Market Savings · $0 min · 0.75%–3.25% by balance
Credit union · 2 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 - 3.00%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 - Valley Strong Credit UnionRelationship Money MarketRelationship Money Market · $2,500 min
Credit union · 16 branches
2.40%APY$240 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 Kern, Kings, and Tulare Counties. 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 · 2.37% interest rate · Effective Aug 1, 2026
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 - Valley Strong Credit UnionPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Credit union · 16 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 - 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 - Desert Valleys Federal Credit UnionSuper SaverSavings · $100 min · 0.00%–2.25% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,0000.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Super Saver Balance APY $100 – $2,500 0.00% $2,500 – $50,000Your amount 1.75% $50,000 and up 2.25% Rate checked
More details - Desert Valleys Federal Credit UnionSuper Saver Money MarketSuper Saver Money Market
Credit union · 1 branch
1.75%APY$175 a year on $10,000Effective Oct 1, 2026
Rate checked
More details - Firefighters First Credit UnionMoney MarketMoney Market · $0 min · 0.05%–1.75% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Variable-rate tiered account. Dividends are compounded and credited monthly. Rate will never fall below the regular savings account dividend rate as long as a $2,500 minimum balance is maintained.
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 1.60% $50,000 – $75,000 1.65% $75,000 – $100,000 1.70% $100,000 and up 1.75% Rate checked
More details - Edwards Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.05%–1.80% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Up to 6 withdrawals per month. Minimum deposit $2,500. Monthly Service Fee: $0.
Offer: Up to 6 withdrawals per month; Minimum deposit $2,500. Variable rate.
No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,000 and up 0.05% $2,500 and up 0.80% $10,000 and upYour amount 1.00% $50,000 and up 1.15% $100,000 and up 1.80% Rate checked
More details - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 1 branch
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 - Safe 1 Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.00%–3.25% by balance
Credit union · 8 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Minimum balance $2,500. $2,500 minimum opening deposit. $2,500 minimum required to earn dividends. Dividends paid monthly. Rates are variable.
Offer: RELATIONSHIP REWARDS! tier.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $9,999 1.00% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.00% $50,000 – $99,999 1.75% $100,000 – $249,999 2.25% $250,000 and up 3.25% 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 Bakersfield, CA metro
65 accounts at 21 banks and credit unions · checked Oct 6–22
- Typical
- 0.20%
- Top 10% from
- 2.03%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Bakersfield, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Desert Valleys Federal Credit UnionCredit union · 1 branch
- Firefighters First Credit UnionCredit union · 1 branch
- Self-Help Federal Credit UnionCredit union · 2 branches