Highest Savings Rates in California
44 California-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top California Rate:5.00% APYFDIC or NCUA Insured

The California market

California accounts

Institutions

Top California APY

5.00% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

44 savings accounts are open only to California residents, from 23 institutions. The highest advertised APY among them is 5.00%.

The highest nationally available rate is 5.00% APY, the same as the California leader.

17 of the 44 California savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

California-Specific Savings Accounts

These savings accounts are specifically available to California residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	Home Bank of California HBC Companion Savings Account 4.36%APY Observed: Oct 13, 2026 Show Details	+$436per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Requires Linked Account Features No MinimumsIn-Person Access	N/A
#2	Austin Capital Bank SSB Fort Knox Savings 4.13%APY Observed: Oct 13, 2026 Show Details	+$413per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#3	Community Commerce Bank The Vault Savings 3.25%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$325per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#4	First Bank Icon High-Yield Savings 2.90%APY No min. balance for APY Observed: Oct 12, 2026 Show Details	+$290per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#5	New OMNI Bank, National Association Personal Super Savings Up to2.60%APY Needs at least $1,000,000 Min. balance: $2,500 Observed: Oct 13, 2026 Show Details	+$225per yearEffective: 2.25%	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$2,500
#6	New OMNI Bank, National Association Personal Regular Savings Up to1.68%APY Needs at least $1,000 Min. balance: $1,000 Observed: Oct 13, 2026 Show Details	+$168per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#7	Habib American Bank Statement Savings 0.60%APY Min. balance: $500 Observed: Oct 10, 2026 Show Details	+$60per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#8	Poppy Bank Poppy Premier Personal Savings 0.50%APY Min. balance: $1,000 Observed: Oct 13, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppIn-Person AccessZelle® Supported	$1,000
#9	OneUnited Bank UNITY Savings 0.40%APY Min. balance: $200 Observed: Oct 7, 2026 Show Details	+$40per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#10	OneUnited Bank UNITY Plus Savings 0.40%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$40per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#11	Community Commerce Bank Variable Rate Savings 0.30%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#12	Home Bank of California Statement Savings 0.30%APY Min. balance: $50 Observed: Oct 13, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#13	State Bank of India (California) Regular Personal Savings Account 0.30%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#14	State Bank of India (California) Personal Savings Account 0.30%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#15	State Bank of India (California) Personal Savings Online 0.30%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#16	State Bank of India (California) Hi Yield Advantage Savings Up to0.35%APY Needs at least $100,000 Min. balance: $500 Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$500
#17	Community Commerce Bank Fixed Rate Savings 0.25%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$25per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#18	Metropolitan Bank Super Savings 0.20%APY Min. balance: $5,000 Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$5,000
#19	OneUnited Bank OneUnited Savings 0.20%APY Min. balance: $200 Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#20	OneUnited Bank UNITY E-Gold Savings Up to0.40%APY Needs at least $100,000 Min. balance: $1,000 Observed: Oct 7, 2026 Show Details	+$20per yearEffective: 0.20%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#21	Exchange Bank Everyday Savings 0.10%APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#22	Exchange Bank My Cash Savings 0.10%APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#23	Exchange Bank Signature Plus Savings Up to0.20%APY Needs at least $1,000,000 Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$500
#24	FFB Bank Regular Savings 0.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#25	FFB Bank Platinum Savings Up to1.06%APY Needs at least $1,000,000 Min. balance: $5,000 Observed: Oct 7, 2026 Show Details	+$10per yearEffective: 0.10%	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$100
#26	Summit State Bank Personal Savings Up to0.40%APY Needs at least $25,000 Min. balance: $200 Observed: Oct 7, 2026 Show Details	+$10per yearEffective: 0.10%	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	N/A
#27	WaFd Bank Start Savings Up to5.00%APY On balances up to $500 · 2.50% above No min. balance for APY Observed: Oct 12, 2026 Show Details	+$10per yearEffective: 0.10%	Deposit Insurance FDIC Insured Requires Linked Account Features Low MinimumsIn-Person Access	$25
#28	WaFd Bank Savings 0.10%APY Min. balance: $100 Observed: Oct 12, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#29	Metropolitan Bank Value Savings 0.05%APY Min. balance: $1,500 Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$300
#30	Savings Bank of Mendocino County Local Choice Savings 0.05%APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#31	Savings Bank of Mendocino County UTMA Savings 0.05%APY Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$5
#32	Bank of America Advantage Savings 0.04%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$4per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$100
#33	Universal Bank Community Savings 0.04%APY Observed: Oct 7, 2026 Show Details	+$4per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#34	Citibank Citi® Savings Account 0.03%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$3per year	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$0
#35	El Dorado Savings Bank, F.S.B. Regular Savings 0.03%APY Min. balance: $300 Observed: Oct 7, 2026 Show Details	+$3per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#36	PNC Standard Savings Up to0.03%APY Needs at least $2,500 Min. balance: $1 Observed: Oct 12, 2026 Show Details	+$3per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$25
#37	UMB Bank, National Association UMB Savings 0.02%APY Observed: Oct 13, 2026 Show Details	+$2per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#38	Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$100
#39	BMO Bank Savings Builder 0.01%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#40	First Bank Statement Savings 0.01%APY Observed: Oct 12, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#41	First Bank Thrive Credit Savings 0.01%APY Observed: Oct 12, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100

Home Bank of California

HBC Companion Savings Account

+$436

per year

4.36% APY

Oct 13, 2026

FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

Must open a new Jumbo CD with a minimum $10,000 opening deposit to open a Companion Savings Account. You can deposit up to the principal amount of the CD.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 26271)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHome Bank of California

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Austin Capital Bank SSB

Fort Knox Savings

+$413

per year

4.13% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58082)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteAustin Capital Bank SSB

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Community Commerce Bank

The Vault Savings

+$325

per year

3.25% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate may change after the account is opened.

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 26363)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCommunity Commerce Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First Bank

Icon High-Yield Savings

+$290

per year

2.90% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12229)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.15%

Since 30 days ago

Official SiteFirst Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

New OMNI Bank, National Association

Personal Super Savings

+$225

per year

2.60% APY

Oct 13, 2026

Needs at least $1,000,000

APY Range: 0.00% – 2.60%

FDIC InsuredMod. MinimumIn-Person Access

What to Watch

No interest is paid on balances below $2,500.

Show Fine Print & Trends

Min. Deposit	$2,500
Min. Balance	$2,500
Maintenance Fee	$10 service charge, waived with a minimum average daily balance of $2,500
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23086)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteNew OMNI Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

New OMNI Bank, National Association

Personal Regular Savings

+$168

per year

1.68% APY

Oct 13, 2026

Needs at least $1,000

APY Range: 0.00% – 1.68%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No interest is paid on balances below $1,000.

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$1,000
Maintenance Fee	$10 service charge, waived with a minimum average daily balance of $1,000
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23086)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteNew OMNI Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Habib American Bank

Statement Savings

+$60

per year

0.60% APY

Oct 10, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$500
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 25093)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHabib American Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Poppy Bank

Poppy Premier Personal Savings

+$50

per year

0.50% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppIn-Person AccessZelle® Supported

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$1,000
Maintenance Fee	$0, if electronic statements selected, otherwise $5
Compound Freq	Daily
Direct Deposit	Not required
Branches	Branches in California
Deposit Insurance	FDIC Insured(Cert: 57903)
Eligibility	United States
Zelle®	SupportedOfficial Zelle partner bank.
Mobile Ratings	iOS:4.4 Android:3.8
BBB Rating	B+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePoppy Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

OneUnited Bank

UNITY Savings

+$40

per year

0.40% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$200
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23966)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteOneUnited Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

OneUnited Bank

UNITY Plus Savings

+$40

per year

0.40% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23966)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteOneUnited Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

Community Commerce Bank

Variable Rate Savings

+$30

per year

0.30% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate may change after the account is opened.

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 26363)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCommunity Commerce Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Home Bank of California

Statement Savings

+$30

per year

0.30% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A quarterly service charge may apply. It is waived with a minimum daily balance of $300.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$50
Maintenance Fee	Quarterly service charge may apply on Statement Savings. Service Charge Waived With Minimum Daily Balance of $300
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 26271)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHome Bank of California

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

State Bank of India (California)

Regular Personal Savings Account

+$30

per year

0.30% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23998)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteState Bank of India (California)

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

State Bank of India (California)

Personal Savings Account

+$30

per year

0.30% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23998)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteState Bank of India (California)

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

State Bank of India (California)

Personal Savings Online

+$30

per year

0.30% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23998)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteState Bank of India (California)

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

State Bank of India (California)

Hi Yield Advantage Savings

+$30

per year

0.35% APY

Oct 7, 2026

Needs at least $100,000

APY Range: 0.15% – 0.35%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$500
Min. Balance	$500
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23998)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteState Bank of India (California)

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

Community Commerce Bank

Fixed Rate Savings

+$25

per year

0.25% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 26363)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteCommunity Commerce Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#18

Metropolitan Bank

Super Savings

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredMod. MinimumIn-Person Access

Show Fine Print & Trends

Min. Deposit	$5,000
Min. Balance	$5,000
Maintenance Fee	Monthly Maintenance Charge $15. Daily Balance Requirement to Waive Monthly Maintenance Charge: $5,000.
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 25869)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteMetropolitan Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#19

OneUnited Bank

OneUnited Savings

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$200
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23966)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteOneUnited Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#20

OneUnited Bank

UNITY E-Gold Savings

+$20

per year

0.40% APY

Oct 7, 2026

Needs at least $100,000

APY Range: 0.20% – 0.40%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$1,000
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 23966)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteOneUnited Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#21

Exchange Bank

Everyday Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8468)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteExchange Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#22

Exchange Bank

My Cash Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8468)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteExchange Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#23

Exchange Bank

Signature Plus Savings

+$10

per year

0.20% APY

Oct 7, 2026

Needs at least $1,000,000

APY Range: 0.10% – 0.20%

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $15 fee applies to each withdrawal or transfer beyond six per monthly account cycle. Transfers to your other accounts at the bank are unlimited at a branch or at a bank ATM.

Show Fine Print & Trends

Min. Deposit	$500
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8468)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteExchange Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#24

FFB Bank

Regular Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58090)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFFB Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#25

FFB Bank

Platinum Savings

+$10

per year

1.06% APY

Oct 7, 2026

Needs at least $1,000,000

APY Range: 0.10% – 1.06%

FDIC InsuredMod. MinimumIn-Person Access

What to Watch

The published rate tiers start at a $5,000 balance, well above the minimum needed to open the account. A balance below $5,000 is not covered by the bank's published rate table.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$5,000
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58090)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFFB Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#26

Summit State Bank

Personal Savings

+$10

per year

0.40% APY

Oct 7, 2026

Needs at least $25,000

APY Range: 0.00% – 0.40%

FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	$200
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 32203)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteSummit State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#27

WaFd Bank

Start Savings

+$10

per year

5.00% APY

Oct 12, 2026

On balances up to $500 · 2.50% above

APY Range: 0.10% – 5.00%

FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Needs a WaFd checking account to open. Interest is blended: the highest rate applies only to the first $500, and the portion above $1,000 earns the lowest rate.

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Min. Deposit	$25
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28088)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteWaFd Bank

Direct Link to Product Page (Not Sponsored)

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#28

WaFd Bank

Savings

+$10

per year

0.10% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

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Min. Deposit	$25
Min. Balance	$100
Maintenance Fee	$100 minimum balance to waive $10 monthly service charge
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28088)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteWaFd Bank

Direct Link to Product Page (Not Sponsored)

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#29

Metropolitan Bank

Value Savings

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredMod. MinimumIn-Person Access

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Min. Deposit	$300
Min. Balance	$1,500
Maintenance Fee	Monthly Maintenance Charge $15. Daily Balance Requirement to Waive Monthly Maintenance Charge: $1,500.
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 25869)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteMetropolitan Bank

Direct Link to Product Page (Not Sponsored)

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#30

Savings Bank of Mendocino County

Local Choice Savings

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $5 maintenance fee is charged each statement cycle unless a $100 minimum daily balance is kept.

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Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$5 maintenance fee each statement cycle, waived with a $100 minimum daily balance
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8011)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteSavings Bank of Mendocino County

Direct Link to Product Page (Not Sponsored)

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#31

Savings Bank of Mendocino County

UTMA Savings

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

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Min. Deposit	$5
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8011)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteSavings Bank of Mendocino County

Direct Link to Product Page (Not Sponsored)

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#32

Bank of America

Advantage Savings

+$4

per year

0.04% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

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Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$8
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3510)
Eligibility	United States
Zelle®	SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

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#33

Universal Bank

Community Savings

+$4

per year

0.04% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

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Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 30722)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteUniversal Bank

Direct Link to Product Page (Not Sponsored)

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#34

Citibank

Citi® Savings Account

+$3

per year

0.03% APY

Oct 13, 2026

FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

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Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$4.50. Waived for average monthly balances > $500
Compound Freq	Daily
Direct Deposit	Not required
Branches	U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit Insurance	FDIC Insured(Cert: 7213)
Eligibility	California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met.
Zelle®	SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings	iOS:4.9 Android:4.8
BBB Rating	D-(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

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#35

El Dorado Savings Bank, F.S.B.

Regular Savings

+$3

per year

0.03% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

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Min. Deposit	$100
Min. Balance	$300
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 30953)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteEl Dorado Savings Bank, F.S.B.

Direct Link to Product Page (Not Sponsored)

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#36

PNC

Standard Savings

+$3

per year

0.03% APY

Oct 12, 2026

Needs at least $2,500

APY Range: 0.02% – 0.03%

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may improve with a linked PNC account. Terms and conditions apply.

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Min. Deposit	$25
Min. Balance	$1
Maintenance Fee	$0 / $5 (see bank for details)
Compound Freq	Monthly
Direct Deposit	Not required
Branches	Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit Insurance	FDIC Insured(Cert: 6384)
Eligibility	United States
Zelle®	SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings	iOS:4.8 Android:4.4
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePNC

Direct Link to Product Page (Not Sponsored)

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#37

UMB Bank, National Association

UMB Savings

+$2

per year

0.02% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The listed rate is for accounts opened online and may vary by region.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8273)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteUMB Bank, National Association

Direct Link to Product Page (Not Sponsored)

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#38

Bank of America

Advantage Relationship Banking

+$1

per year

0.02% APY

Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3510)
Eligibility	United States
Zelle®	SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#39

BMO Bank

Savings Builder

+$1

per year

0.01% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 16571)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBMO Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#40

First Bank

Statement Savings

+$1

per year

0.01% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12229)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Bank

Direct Link to Product Page (Not Sponsored)

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#41

First Bank

Thrive Credit Savings

+$1

per year

0.01% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12229)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in California.

Institution	Product / Term	APY	Min. Deposit
Axos Bank	Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate	Up to5.00%	$0
GO2bank	High Yield Savingsfirst $5,000 only · needs a linked account at the bank	Up to4.50%	$0
Elevault	High Yield Savings Account	4.34%	$0
Peak Bank	Envision High Yield Savingsup to $499,999.99 only	4.27%	$100
Betterment	Cash Reservepromotional rate	Up to4.25%	$0
Neighbors Bank	Neighbors Savings Account	4.25%	$0
Pibank	Pibank Savings	4.25%	$0
EverBank	Performance Savings	4.20%	$0

See the full national list