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 Modesto, CA metro
- 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 - 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 - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 1 branch
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 $10,000with 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 - Golden 1 Credit UnionMoney Market Savings AccountMoney Market Savings Account · $100 min · 0.05%–3.50% by balance
Credit union · 2 branches
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 - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 11 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Requires membership with the credit union ($5 initial deposit / minimum balance requirement).
Offer: Dividends paid quarterly. $200 minimum balance to earn dividends.
0.75% interest rate · Effective May 1, 2026
Rate checked
More details - OE Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–0.80% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Start saving with $1,000 minimum opening deposit. Dividends compound monthly. Up to 6 free withdrawals or transfers per month ($15 fee per transaction thereafter).
Offer: Minimum to earn dividend: $1,000. Compounding period: Monthly.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.60% $10,000 and upYour amountMinimum to earn dividend: $10,000. 0.65% $25,000 and upMinimum to earn dividend: $25,000. 0.65% $50,000 and upMinimum to earn dividend: $50,000. 0.70% $100,000 and upMinimum to earn dividend: $100,000. 0.75% $250,000 and upMinimum to earn dividend: $250,000. 0.80% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
0.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 11 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - BAC Community BankSelect Money MarketSelect Money Market · $2,500 min · 0.15%–0.75% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: $15 monthly service charge waived when an average balance of $2,500 is maintained in the account. Limit of 6 withdrawals per monthly statement cycle ($12 each additional debit). Online account opening available for existing customers.
0.15% interest rate · $15 monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for Select Money Market Balance APY $2,500 – $100,000Your amount 0.15% $100,000 – $250,000 0.20% $250,000 – $500,000 0.30% $500,000 – $1,000,000 0.40% $1,000,000 and up 0.75% Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived 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: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
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 Modesto, CA metro
47 accounts at 16 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.40%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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Modesto, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Self-Help Federal Credit UnionCredit union · 2 branches
- CitiBank · 3 branches
- Golden 1 Credit UnionCredit union · 2 branches