Best Local Bank Savings and Money Market Rates in Costa Mesa, California, CA June 17, 2025

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If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

Costa Mesa, CA - June 17, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Umpqua Bank Newport Beach Branch	4.35% 0.10% 0.05%	$100,000 $25,000 $0	Learn More
Rate History: 4.55% → 4.35%
Austin \| Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More Reviews (2)
Comerica Bank Long Beach Branch	4.25%	$1	Learn More
Rate History: 4.50% → 4.25%
Cory,Baldwin \| Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More Reviews (1)
First Foundation Bank Seal Beach Branch	4.25%	$1,000	Learn More
Online Savings Account Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Umpqua Bank Newport Beach Branch	4.20% 1.00% 0.50%	$10,000 $1,000,000 $250,000	Learn More
Rate History: 4.40% → 4.20%
Austin \| Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More Reviews (2)
Ctbc Bank Corp. (usa) Rowland Heights Branch	3.80%	$50,000	Learn More Add Review
Beal Bank Irvine Branch	3.75%	$500	Learn More Add Review
Rate History: 4.25% → 3.75%
Hsbc Bank Usa, National Association Artesia Branch	3.60% 0.01%	$1 $0	Learn More
Rate History: 4.00% → 3.85% → 3.75% → 3.70% → 3.60%
john \| Apr 14, 2020 I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More Reviews (3)
Banner Bank Lakewood Branch	3.51% 2.69% 2.38% 2.02%	$1,000,000 $100,000 $50,000 $25,000	Learn More
Rate History: 1.00% → 3.56% → 3.51%
Unhappy \| Mar 25, 2020 Banner bank is sometimes hard to work with. If you have a construction loan to get a disbursement you fill out a sheet with the line item (not a big deal). Then they schedule an inspection that you pay $... Read More Reviews (1)
Beal Bank Irvine Branch	3.50% 3.25%	$25,000 $1,000	Learn More Add Review
Rate History: 4.00% → 3.50%
U.s. Bank National Association Long Beach Ralphs Branch	3.50% 0.05%	$25,000 $1	Learn More
Rate History: 4.10% → 3.50%
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (6)
Bank Of Whittier, National Association Bank Of Whittier, National Association Branch	2.60%	$250	Learn More Add Review
American Plus Bank, N.a. Rowland Heights Branch	2.50% 2.20%	$500,000 $50,000	Learn More Add Review
Capital One, National Association	2.50%	$1	Learn More
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (16)
Homestreet Bank Downey Branch	2.30% 1.75% 1.00%	$500,000 $150,000 $50,000	Learn More Add Review
Zions Bancorporation, N.a. Long Beach Main Branch	2.02% 1.71% 1.51% 0.80%	$500,000 $250,000 $100,000 $5,000	Learn More Add Review
American Plus Bank, N.a. Rowland Heights Branch	1.85% 0.50%	$10,000 $100,000	Learn More Add Review
Zions Bancorporation, N.a. Long Beach Main Branch	1.46% 0.70%	$100,000 $1,000	Learn More Add Review
Rate History: 2.02% → 1.46%
California International Bank, N.a. California International Bank, N.A. Branch	0.60%	$10,000	Learn More Add Review
Habib American Bank Artesia Branch	0.60%	$1,500	Learn More
Ryan \| Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More Reviews (2)
Habib American Bank Artesia Branch	0.60%	$500	Learn More
Rate History: 0.35% → 0.60%
Ryan \| Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More Reviews (2)
City National Bank Long Beach Main Branch	0.50%	$0	Learn More Add Review
Rate History: 1.36% → 1.11% → 0.85% → 0.60% → 0.50%
Oneunited Bank E. Compton Blvd Branch	0.40% 0.30% 0.20%	$201 $25,000 $200	Learn More Add Review
United Pacific Bank United Pacific Bank Branch	0.35%	$25,000	Learn More Add Review
State Bank Of India (california) Artesia Branch	0.30% 0.25% 0.20%	$100 $50,000 $500	Learn More Add Review
Shinhan Bank America Buena Park Branch	0.30%	$25,000	Learn More
Lori Kroko \| Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More Reviews (1)
Tustin Community Bank Tustin Community Bank Branch	0.25%	$10,000	Learn More Add Review
Cathay Bank Cerritos Valley Branch	0.25% 0.20%	$1,000,000 $500,000	Learn More Add Review
United Pacific Bank United Pacific Bank Branch	0.25%	$2,500	Learn More Add Review
First Credit Bank First Credit Bank Branch	0.25%	$2,500	Learn More
maris \| Mar 2, 2019 does require us citizenship? Read More Reviews (1)
U.s. Bank National Association Long Beach Ralphs Branch	0.25%	$25,000	Learn More
Rate History: 4.25% → 4.16% → 4.25% → 3.75% → 0.25%
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (6)
Shinhan Bank America Buena Park Branch	0.20%	$2,500	Learn More
Lori Kroko \| Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More Reviews (1)
Golden State Bank Brea Branch	0.20%	$25,000	Learn More Add Review
Us Metro Bank Us Metro Bank Branch	0.20%	$25,000	Learn More Add Review
First Commercial Bank (usa) First Commercial Bank (Usa) Branch	0.20% 0.15%	$10,000 $2,500	Learn More Add Review
Calprivate Bank San Diego Private Bank Branch	0.20%	$25,000	Learn More Add Review
First National Bank In Frankfort	0.20%	$0	Learn More Add Review
Zions Bancorporation, N.a. Long Beach Main Branch	0.19% 0.16%	$100,000 $0	Learn More Add Review
United Pacific Bank United Pacific Bank Branch	0.18%	$2,500	Learn More Add Review
California International Bank, N.a. California International Bank, N.A. Branch	0.16%	$2,500	Learn More Add Review
First Credit Bank First Credit Bank Branch	0.15%	$2,500	Learn More
maris \| Mar 2, 2019 does require us citizenship? Read More Reviews (1)
Partners Bank Of California Partners Bank Of California Branch	0.15%	$2,500	Learn More Add Review
Friendly Hills Bank Sfs Branch	0.15%	$25,000	Learn More Add Review
Industrial And Commercial Bank Of China Usa, National Association Los Angeles Regional Branch	0.15%	$25,000	Learn More Add Review
Farmers & Merchants Bank Of Central California F & M Capital Branch	0.15%	$10,000	Learn More Add Review
Calprivate Bank San Diego Private Bank Branch	0.15%	$2,500	Learn More Add Review
Golden State Bank Brea Branch	0.15%	$10,000	Learn More Add Review
First General Bank First General Bank Branch	0.15%	$10,000	Learn More Add Review
Oneunited Bank E. Compton Blvd Branch	0.15% 0.10% 0.05%	$75,000 $25,000 $500	Learn More Add Review
Asian Pacific National Bank Rowland Heights Regional Branch	0.15%	$25,000	Learn More Add Review
American Continental Bank American Continental Bank Branch	0.10%	$1	Learn More
Ednnani@hotmail.com \| Aug 7, 2021 Are you open on sat. Read More Reviews (2)
Sunwest Bank Sunwest Bank Branch	0.10%	$2,500	Learn More
william \| Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More Reviews (1)
Golden State Bank Brea Branch	0.10%	$2,500	Learn More Add Review
Friendly Hills Bank Sfs Branch	0.10%	$10,000	Learn More Add Review
Partners Bank Of California Partners Bank Of California Branch	0.10%	$2,500	Learn More Add Review
Tustin Community Bank Tustin Community Bank Branch	0.10%	$2,500	Learn More Add Review
Industrial And Commercial Bank Of China Usa, National Association Los Angeles Regional Branch	0.10%	$2,500	Learn More Add Review
Asian Pacific National Bank Rowland Heights Regional Branch	0.10%	$2,500	Learn More Add Review
Commercial Bank Of California Brea Branch	0.10%	$2,500	Learn More Add Review
Gbc International Bank Westminster Branch	0.10%	$2,500	Learn More
tomlynn \| Apr 15, 2019 Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More Reviews (1)
Us Metro Bank Us Metro Bank Branch	0.10%	$2,500	Learn More Add Review
First General Bank First General Bank Branch	0.10%	$2,500	Learn More Add Review
First-citizens Bank & Trust Company Newport Beach Branch	0.10% 0.07%	$100,000 $25,000	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
Farmers And Merchants Bank Of Long Beach Farmers And Merchants Bank Of Long B Branch	0.10%	$10,000	Learn More Add Review
Calprivate Bank San Diego Private Bank Branch	0.10%	$2,500	Learn More Add Review
United Business Bank Kilroy Airport Way Branch	0.10%	$25,000	Learn More
Small Company \| Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More Reviews (1)
Universal Bank Universal Bank Branch	0.10%	$2,500	Learn More Add Review
Citizens Business Bank Fullerton Business Financial Center Branch	0.10%	$2,500	Learn More Add Review
First Commercial Bank (usa) First Commercial Bank (Usa) Branch	0.10%	$2,500	Learn More Add Review
Royal Business Bank Cerritos Branch	0.10%	$10,000	Learn More Add Review
Provident Savings Bank, F.s.b. Magnolia Avenue Branch	0.08%	$25,000	Learn More Add Review
Friendly Hills Bank Sfs Branch	0.07%	$25,000	Learn More Add Review
Gbc International Bank Westminster Branch	0.05%	$2,500	Learn More
tomlynn \| Apr 15, 2019 Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More Reviews (1)
Provident Savings Bank, F.s.b. Magnolia Avenue Branch	0.05%	$2,500	Learn More Add Review
United Business Bank Kilroy Airport Way Branch	0.05%	$2,500	Learn More
Small Company \| Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More Reviews (1)
Sunwest Bank Sunwest Bank Branch	0.05%	$100	Learn More
william \| Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More Reviews (1)
Cathay Bank Cerritos Valley Branch	0.05%	$50,000	Learn More Add Review
Evertrust Bank Cerritos Branch	0.05%	$300	Learn More
Tina \| Aug 16, 2022 good customer service and always give me new information about CD rates. They have 2.3% now. Read More Reviews (3)
Industrial And Commercial Bank Of China Usa, National Association Los Angeles Regional Branch	0.05%	$1,000	Learn More Add Review
Farmers And Merchants Bank Of Long Beach Farmers And Merchants Bank Of Long B Branch	0.05%	$2,500	Learn More Add Review
Royal Business Bank Cerritos Branch	0.05%	$2,500	Learn More Add Review
Manufacturers Bank Brea Branch	0.05%	$2,500	Learn More Add Review
Friendly Hills Bank Sfs Branch	0.05%	$2,500	Learn More Add Review
Homestreet Bank Downey Branch	0.05%	$0	Learn More Add Review
Preferred Bank Pico Rivera Branch	0.05%	$1	Learn More Add Review
Farmers & Merchants Bank Of Central California F & M Capital Branch	0.04%	$2,500	Learn More Add Review
Universal Bank Universal Bank Branch	0.04%	$2,500	Learn More Add Review
Provident Savings Bank, F.s.b. Magnolia Avenue Branch	0.03%	$10,000	Learn More Add Review
Farmers & Merchants Bank Of Central California F & M Capital Branch	0.03%	$2,500	Learn More Add Review
Mega Bank Hacienda Heights Branch	0.03%	$2,500	Learn More Add Review
First Bank Bixby Knolls Branch	0.02% 0.01%	$10,000 $0	Learn More Add Review
Comerica Bank Long Beach Branch	0.02%	$1	Learn More
Cory,Baldwin \| Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More Reviews (1)
Mega Bank Hacienda Heights Branch	0.02%	$2,500	Learn More Add Review
Jpmorgan Chase Bank, National Association Anaheim And Avalon Branch	0.02%	$25,000	Learn More
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (25)
Umpqua Bank Newport Beach Branch	0.01%	$0	Learn More
Austin \| Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More Reviews (2)
Comerica Bank Long Beach Branch	0.01%	$1	Learn More
Cory,Baldwin \| Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More Reviews (1)
Mechanics Bank Newport Beach Branch	0.01%	$2,500	Learn More
kristinalouise \| Dec 6, 2018 I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More Reviews (1)
Manufacturers Bank Brea Branch	0.01%	$2,500	Learn More Add Review
City National Bank Long Beach Main Branch	0.01%	$0	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

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Branches Info around Costa Mesa, CA - June 17, 2025

Branch	Street	City	State
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Comerica Bank Long Beach Branch	301 East Ocean Boulevard Suite 102	Long Beach	CA
First Foundation Bank Seal Beach Branch	13962 Seal Beach Blvd.	Seal Beach	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
CTBC Bank Corp. (USA) Rowland Heights Branch	17851 Colima Road, Suite A1	City Of Industry	CA
XD Bank Irvine Branch	5600 Michelson Drive, Suite 140	Irvine	CA
HSBC Bank USA, National Association Artesia Branch	18182 Pioneer Blvd	Artesia	CA
Banner Bank Lakewood Branch	4146 Woodruff Avenue	Lakewood	CA
XD Bank Irvine Branch	5600 Michelson Drive, Suite 140	Irvine	CA
U.S. Bank National Association Long Beach Ralphs Branch	2250 E Carson St	Long Beach	CA
XD Bank Irvine Branch	5600 Michelson Drive, Suite 140	Irvine	CA
Banner Bank Lakewood Branch	4146 Woodruff Avenue	Lakewood	CA
Bank of Whittier, National Association Bank Of Whittier, National Association Branch	15141 East Whittier Boulevard	Whittier	CA
American Plus Bank, N.A. Rowland Heights Branch	17506 Colima Road	Rowland Heights	CA
Banner Bank Lakewood Branch	4146 Woodruff Avenue	Lakewood	CA
HomeStreet Bank Downey Branch	8860 Apollo Way, Suite 328	Downey	CA
American Plus Bank, N.A. Rowland Heights Branch	17506 Colima Road	Rowland Heights	CA
Banner Bank Lakewood Branch	4146 Woodruff Avenue	Lakewood	CA
Zions Bank Long Beach Main Branch	444 West Ocean Boulevard	Long Beach	CA
American Plus Bank, N.A. Rowland Heights Branch	17506 Colima Road	Rowland Heights	CA
HomeStreet Bank Downey Branch	8860 Apollo Way, Suite 328	Downey	CA
Zions Bank Long Beach Main Branch	444 West Ocean Boulevard	Long Beach	CA
Zions Bank Long Beach Main Branch	444 West Ocean Boulevard	Long Beach	CA
Zions Bank Long Beach Main Branch	444 West Ocean Boulevard	Long Beach	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
HomeStreet Bank Downey Branch	8860 Apollo Way, Suite 328	Downey	CA
Zions Bank Long Beach Main Branch	444 West Ocean Boulevard	Long Beach	CA
Zions Bank Long Beach Main Branch	444 West Ocean Boulevard	Long Beach	CA
California International Bank, N.A. California International Bank, N.A. Branch	8632 East Valley Boulevard, Suite A	Rosemead	CA
Habib American Bank Artesia Branch	18357 Pioneer Boulevard	Artesia	CA
Habib American Bank Artesia Branch	18357 Pioneer Boulevard	Artesia	CA
City National Bank Long Beach Main Branch	100 Oceangate	Long Beach	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
American Plus Bank, N.A. Rowland Heights Branch	17506 Colima Road	Rowland Heights	CA
OneUnited Bank E. Compton Blvd Branch	205 E. Compton Boulevard	Compton	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
State Bank of India (California) Artesia Branch	18191 Pioneer Boulevard	Artesia	CA
Shinhan Bank America Buena Park Branch	5450 Beach Boulevard	Buena Park	CA
OneUnited Bank E. Compton Blvd Branch	205 E. Compton Boulevard	Compton	CA
Tustin Community Bank Tustin Community Bank Branch	13891 Newport Avenue, Suites 100 & 130	Tustin	CA
Cathay Bank Cerritos Valley Branch	18643 South Pioneer Boulevard	Artesia	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
State Bank of India (California) Artesia Branch	18191 Pioneer Boulevard	Artesia	CA
First Credit Bank First Credit Bank Branch	18552 Macarthur Boulevard, Suite 102	Irvine	CA
U.S. Bank National Association Long Beach Ralphs Branch	2250 E Carson St	Long Beach	CA
Cathay Bank Cerritos Valley Branch	18643 South Pioneer Boulevard	Artesia	CA
Shinhan Bank America Buena Park Branch	5450 Beach Boulevard	Buena Park	CA
Golden State Bank Brea Branch	403 W. Imperial Highway, Suite D	Brea	CA
US Metro Bank Us Metro Bank Branch	9866 Garden Grove Boulevard	Garden Grove	CA
First Commercial Bank (USA) First Commercial Bank (Usa) Branch	17808 Pioneer Boulevard, Unit 108	Artesia	CA
State Bank of India (California) Artesia Branch	18191 Pioneer Boulevard	Artesia	CA
OneUnited Bank E. Compton Blvd Branch	205 E. Compton Boulevard	Compton	CA
CalPrivate Bank San Diego Private Bank Branch	18552 Macarthur Blvd, Suite220	Irvine	CA
Zions Bank Long Beach Main Branch	444 West Ocean Boulevard	Long Beach	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
Zions Bank Long Beach Main Branch	444 West Ocean Boulevard	Long Beach	CA
California International Bank, N.A. California International Bank, N.A. Branch	8632 East Valley Boulevard, Suite A	Rosemead	CA
First Credit Bank First Credit Bank Branch	18552 Macarthur Boulevard, Suite 102	Irvine	CA
Partners Bank of California Partners Bank Of California Branch	27201 Puerta Real, Suite 160	Mission Viejo	CA
First Pacific Bank Sfs Branch	12070 Telegraph Road Suite 100	Santa Fe Springs	CA
Industrial and Commercial Bank of China USA, National Association Los Angeles Regional Branch	17180 Colima Road	Hacienda Heights	CA
Farmers & Merchants Bank of Central California F & M Capital Branch	#2 Park Plaza, Suite 175	Irvine	CA
CalPrivate Bank San Diego Private Bank Branch	18552 Macarthur Blvd, Suite220	Irvine	CA
Golden State Bank Brea Branch	403 W. Imperial Highway, Suite D	Brea	CA
First General Bank First General Bank Branch	19036 Colima Road	Rowland Heights	CA
OneUnited Bank E. Compton Blvd Branch	205 E. Compton Boulevard	Compton	CA
First Commercial Bank (USA) First Commercial Bank (Usa) Branch	17808 Pioneer Boulevard, Unit 108	Artesia	CA
Asian Pacific National Bank Rowland Heights Regional Branch	17576 Colima Road	Rowland Heights	CA
American Continental Bank American Continental Bank Branch	17700 Castleton Street, Suite 100	City Of Industry	CA
Sunwest Bank Sunwest Bank Branch	2050 Main Street	Irvine	CA
Golden State Bank Brea Branch	403 W. Imperial Highway, Suite D	Brea	CA
First Pacific Bank Sfs Branch	12070 Telegraph Road Suite 100	Santa Fe Springs	CA
Partners Bank of California Partners Bank Of California Branch	27201 Puerta Real, Suite 160	Mission Viejo	CA
Tustin Community Bank Tustin Community Bank Branch	13891 Newport Avenue, Suites 100 & 130	Tustin	CA
Industrial and Commercial Bank of China USA, National Association Los Angeles Regional Branch	17180 Colima Road	Hacienda Heights	CA
Asian Pacific National Bank Rowland Heights Regional Branch	17576 Colima Road	Rowland Heights	CA
Commercial Bank of California Brea Branch	One Pointe Drive, Suite 100	Brea	CA
GBC International Bank Westminster Branch	9113 Bolsa Avenue	Westminster	CA
US Metro Bank Us Metro Bank Branch	9866 Garden Grove Boulevard	Garden Grove	CA
First General Bank First General Bank Branch	19036 Colima Road	Rowland Heights	CA
First-Citizens Bank & Trust Company Newport Beach Branch	1201 Dove Street	Newport Beach	CA
Farmers and Merchants Bank of Long Beach Farmers And Merchants Bank Of Long B Branch	302 Pine Avenue	Long Beach	CA
CalPrivate Bank San Diego Private Bank Branch	18552 Macarthur Blvd, Suite220	Irvine	CA
United Business Bank Kilroy Airport Way Branch	3750 Kilroy Airport Way, Suite 130	Long Beach	CA
Universal Bank Universal Bank Branch	3455 Nogales Street, Suite #105	West Covina	CA
Citizens Business Bank Fullerton Business Financial Center Branch	301 N. Harbor Blvd Suite 101	Fullerton	CA
OneUnited Bank E. Compton Blvd Branch	205 E. Compton Boulevard	Compton	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
First Commercial Bank (USA) First Commercial Bank (Usa) Branch	17808 Pioneer Boulevard, Unit 108	Artesia	CA
Royal Business Bank Cerritos Branch	11304 1/2 South Street	Cerritos	CA
Provident Savings Bank, F.S.B. Magnolia Avenue Branch	487 Magnolia Avenue, Suite 101	Corona	CA
First-Citizens Bank & Trust Company Newport Beach Branch	1201 Dove Street	Newport Beach	CA
First Pacific Bank Sfs Branch	12070 Telegraph Road Suite 100	Santa Fe Springs	CA
GBC International Bank Westminster Branch	9113 Bolsa Avenue	Westminster	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Provident Savings Bank, F.S.B. Magnolia Avenue Branch	487 Magnolia Avenue, Suite 101	Corona	CA
United Business Bank Kilroy Airport Way Branch	3750 Kilroy Airport Way, Suite 130	Long Beach	CA
Sunwest Bank Sunwest Bank Branch	2050 Main Street	Irvine	CA
Cathay Bank Cerritos Valley Branch	18643 South Pioneer Boulevard	Artesia	CA
EverTrust Bank Cerritos Branch	11458 South Street	Cerritos	CA
Industrial and Commercial Bank of China USA, National Association Los Angeles Regional Branch	17180 Colima Road	Hacienda Heights	CA
Farmers and Merchants Bank of Long Beach Farmers And Merchants Bank Of Long B Branch	302 Pine Avenue	Long Beach	CA
Royal Business Bank Cerritos Branch	11304 1/2 South Street	Cerritos	CA
SMBC MANUBANK Brea Branch	100 S. State College Boulevard	Brea	CA
First Pacific Bank Sfs Branch	12070 Telegraph Road Suite 100	Santa Fe Springs	CA
HomeStreet Bank Downey Branch	8860 Apollo Way, Suite 328	Downey	CA
OneUnited Bank E. Compton Blvd Branch	205 E. Compton Boulevard	Compton	CA
Preferred Bank Pico Rivera Branch	7004 Rosemead Blvd	Pico Rivera	CA
U.S. Bank National Association Long Beach Ralphs Branch	2250 E Carson St	Long Beach	CA
Farmers & Merchants Bank of Central California F & M Capital Branch	#2 Park Plaza, Suite 175	Irvine	CA
Universal Bank Universal Bank Branch	3455 Nogales Street, Suite #105	West Covina	CA
Provident Savings Bank, F.S.B. Magnolia Avenue Branch	487 Magnolia Avenue, Suite 101	Corona	CA
Farmers & Merchants Bank of Central California F & M Capital Branch	#2 Park Plaza, Suite 175	Irvine	CA
Mega Bank Hacienda Heights Branch	17188 Colima Road #a	Hacienda Heights	CA
First Bank Bixby Knolls Branch	4040 Atlantic Avenue	Long Beach	CA
Comerica Bank Long Beach Branch	301 East Ocean Boulevard Suite 102	Long Beach	CA
Mega Bank Hacienda Heights Branch	17188 Colima Road #a	Hacienda Heights	CA
JPMorgan Chase Bank, National Association Anaheim And Avalon Branch	140 West Anaheim Street, Suite C	Wilmington	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
HSBC Bank USA, National Association Artesia Branch	18182 Pioneer Blvd	Artesia	CA
Comerica Bank Long Beach Branch	301 East Ocean Boulevard Suite 102	Long Beach	CA
First Bank Bixby Knolls Branch	4040 Atlantic Avenue	Long Beach	CA
Mechanics Bank Newport Beach Branch	610 Newport Center Drive, Suite 100	Newport Beach	CA
SMBC MANUBANK Brea Branch	100 S. State College Boulevard	Brea	CA
City National Bank Long Beach Main Branch	100 Oceangate	Long Beach	CA

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES

Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

Find a bank with a location convenient to you. Location counts.
Choose a bank with good rates. Rates are important to get continued growth of your capital.
Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.