Highest Money Market Rates in California
20 California-specific accounts
Top California Rate:3.75% APYFDIC or NCUA Insured
The California market
California accounts
20
Institutions
16
Top California APY
3.75% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
20 money market accounts are open only to California residents, from 16 institutions. The highest advertised APY among them is 3.75%.
The highest nationally available rate is 4.00% APY, 25 basis points above the California leader.
8 of the 20 California money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
California-Specific Money Market Accounts
Money market accounts specifically available to California residents.
| Institution | Product / Term | APY |
|---|---|---|
| New OMNI Bank, National Association | Personal Money Marketneeds at least $5,000,000 | Up to3.75% |
| UMB Bank, National Association | UMB Retail Money Marketneeds at least $10,000 | 3.71% |
| Esquire Bank, National Association | Money Market Savings | 3.05% |
| BMO Bank | Growth Money Marketrelationship rate from $250,000 · 0.05% to 2.24% without the relationship | Up to2.76% |
| Home Bank of California | Personal Super Money Fundneeds at least $50,001 | Up to2.18% |
| WaFd Bank | High Yield Money Marketneeds at least $500,000 | Up to2.00% |
| FFB Bank | Premium Money Market Personalneeds at least $1,000,000 | Up to1.06% |
| Exchange Bank | Personal Money Marketneeds at least $100,000 | Up to0.70% |
| Habib American Bank | Money Market | 0.60% |
| Metropolitan Bank | Money Marketneeds at least $25,000 | Up to0.50% |
| State Bank of India (California) | Hi Yield Advantage MMDAneeds at least $250,000 | Up to0.35% |
| State Bank of India (California) | Money Market Deposit Account (MMDA)needs at least $250,000 | Up to0.35% |
| State Bank of India (California) | Premium Money Market Deposit Account (MMDA)needs at least $250,000 | 0.35% |
| Summit State Bank | Personal Money Marketneeds at least $2,500 | 0.35% |
| State Bank of India (California) | Vision MMDA | 0.30% |
| WaFd Bank | Money Marketneeds at least $15,000 | Up to0.20% |
| OneUnited Bank | UNITY Money Marketneeds at least $75,000 | Up to0.15% |
| El Dorado Savings Bank, F.S.B. | Gold Money Market Savingsneeds at least $1,000,000 | Up to0.10% |
| Poppy Bank | Poppy Personal Money Market | 0.10% |
| First Bank | Performance Money Marketneeds at least $10,000 | 0.02% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in California.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |