California

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Huntington Beach, California Savings Rates

You are viewing savings rates from banks in Huntington Beach, California

 

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!

Huntington Beach, CA - June 15, 2025

Savings Account National Average Rate: 0.45% ?

Banks APY MIN

Promotional rate for 3 months up to $11,000. Requires $25,000 in new deposits within 10 days of registration. After 3 month promotional period, rate reverts to between 0.03% and 0.12%.
Rate History: 5.00% → 4.75% → 5.00% → 4.50% → 4.35%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 4.55% → 4.35%

| 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

Rate History: 4.50% → 4.25%

| 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

Online Savings Account
Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%

| Nov 18, 2023

bank delayed 1-2days to credit into your account, pay less interest. Read More

Rate History: 4.40% → 4.20%

| 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

Rate History: 4.25% → 3.75%

Rate History: 4.00% → 3.85% → 3.75% → 3.70% → 3.60%

| 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

Rate History: 1.00% → 3.56% → 3.51%

| 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

Rate History: 4.00% → 3.50%

| Dec 3, 2019

Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More

2.60%

$250

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| 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

Rate History: 2.02% → 1.46%

0.60%

$10,000

Learn More

| 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

Rate History: 0.35% → 0.60%

| 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

Rate History: 1.36% → 1.11% → 0.85% → 0.60% → 0.50%

| Jan 29, 2019

The Bank does not have this product. Read More

| Jan 29, 2019

The Bank does not have this product. Read More

| 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

0.25%

$10,000

Learn More

| Mar 2, 2019

does require us citizenship? Read More

| Jan 29, 2019

The Bank does not have this product. Read More

| 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

0.20%

$25,000

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0.20%

$25,000

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0.20%

0.15%

$10,000

$2,500
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0.20%

$25,000

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0.20%

$0

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0.16%

$2,500

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| Mar 2, 2019

does require us citizenship? Read More

0.15%

$2,500

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0.15%

$10,000

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0.15%

$2,500

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$1,000

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| 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

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

Learn More

0.10%

$2,500

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0.10%

$2,500

Learn More

| 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

0.10%

$2,500

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0.10%

$2,500

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| 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

0.10%

$10,000

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0.10%

$2,500

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| Mar 15, 2023

Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More

| Jul 22, 2015

Fix your automated system so I can find information after you close Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.08%

$25,000

Learn More

| 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

0.05%

$2,500

Learn More

| 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

0.05%

$2,500

Learn More

| Aug 16, 2022

good customer service and always give me new information about CD rates. They have 2.3% now. Read More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

| Jul 22, 2015

Fix your automated system so I can find information after you close Read More

| Mar 15, 2023

Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More

0.04%

$2,500

Learn More

0.03%

$10,000

Learn More

0.03%

$2,500

Learn More

| 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

| 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

| 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

| 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

0.01%

$2,500

Learn More

0.01%

$0

Learn More
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.


Branches Info around Huntington Beach, CA - June 15, 2025


Branch Street City State
Citibank, National Association
Citibank, National Association Branch
5354 E 2nd St. Long Beach CA
Umpqua Bank
Newport Beach Branch
4040 Macarthur Boulevard, Suite 100 Newport Beach CA
Comerica Bank
Marketplace Long Beach Banking Cente Branch
6451 E Pacific Coast Highway #17 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
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
XD Bank
Irvine Branch
5600 Michelson Drive, Suite 140 Irvine CA
Bank of Hope
Bank Of Hope Branch
17127 S. Pioneer Blvd. Artesia 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
Banner Bank
Lakewood Branch
4146 Woodruff Avenue Lakewood CA
Banner Bank
Lakewood Branch
4146 Woodruff Avenue Lakewood CA
Zions Bank
La Palma Branch
5471 Orangethorpe Avenue La Palma CA
Zions Bank
La Palma Branch
5471 Orangethorpe Avenue La Palma CA
Zions Bank
La Palma Branch
5471 Orangethorpe Avenue La Palma CA
Zions Bank
La Palma Branch
5471 Orangethorpe Avenue La Palma CA
Umpqua Bank
Newport Beach Branch
4040 Macarthur Boulevard, Suite 100 Newport Beach CA
Zions Bank
La Palma Branch
5471 Orangethorpe Avenue La Palma CA
Zions Bank
La Palma Branch
5471 Orangethorpe Avenue La Palma 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 Marina Branch
6398 East Pacific Coast Highway Long Beach CA
Umpqua Bank
Newport Beach Branch
4040 Macarthur Boulevard, Suite 100 Newport Beach CA
Commonwealth Business Bank
Fullerton/Buena Park Branch
6041 Beach Blvd. Buena Park CA
Commonwealth Business Bank
Fullerton/Buena Park Branch
6041 Beach Blvd. Buena Park 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
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
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
Commonwealth Business Bank
Fullerton/Buena Park Branch
6041 Beach Blvd. Buena Park 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
CalPrivate Bank
San Diego Private Bank Branch
18552 Macarthur Blvd, Suite220 Irvine CA
Citibank, National Association
Citibank, National Association Branch
5354 E 2nd St. Long Beach CA
Zions Bank
La Palma Branch
5471 Orangethorpe Avenue La Palma CA
Zions Bank
La Palma Branch
5471 Orangethorpe Avenue La Palma 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
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
First Commercial Bank (USA)
First Commercial Bank (Usa) Branch
17808 Pioneer Boulevard, Unit 108 Artesia CA
PCB Bank
Cerritos Office Branch
17709 Pioneer Boulevard Artesia CA
Sunwest Bank
Sunwest Bank Branch
2050 Main Street Irvine CA
Golden State Bank
Brea Branch
403 W. Imperial Highway, Suite D Brea 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
Open Bank
Buena Park Branch
5141 Beach Blvd., Units E & F, Building 2 Buena Park 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
Los Altos Branch
2302 Bellflower Boulevard Long Beach CA
CalPrivate Bank
San Diego Private Bank Branch
18552 Macarthur Blvd, Suite220 Irvine CA
East West Bank
99 Artesia Branch
17713 Pioneer Blvd Artesia CA
Pacific Premier Bank, National Association
Seal Beach Branch
13928 Seal Beach Boulevard Seal Beach CA
Citizens Business Bank
Fullerton Business Financial Center Branch
301 N. Harbor Blvd Suite 101 Fullerton CA
Hanmi Bank
Cerritos-Artesia Branch
11754 East Artesia Boulevard Artesia 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
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
Sunwest Bank
Sunwest Bank Branch
2050 Main Street Irvine CA
Cathay Bank
Cerritos Valley Branch
18643 South Pioneer Boulevard Artesia CA
Hanmi Bank
Cerritos-Artesia Branch
11754 East Artesia Boulevard Artesia CA
EverTrust Bank
Cerritos Branch
11458 South Street Cerritos CA
Farmers and Merchants Bank of Long Beach
Los Altos Branch
2302 Bellflower Boulevard 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
Pacific Premier Bank, National Association
Seal Beach Branch
13928 Seal Beach Boulevard Seal Beach CA
East West Bank
99 Artesia Branch
17713 Pioneer Blvd Artesia CA
Farmers & Merchants Bank of Central California
F & M Capital Branch
#2 Park Plaza, Suite 175 Irvine 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
First Bank
Pacific Coast Hwy Branch
6200 East Pacific Coast Highway Long Beach CA
Comerica Bank
Marketplace Long Beach Banking Cente Branch
6451 E Pacific Coast Highway #17 Long Beach 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
Marketplace Long Beach Banking Cente Branch
6451 E Pacific Coast Highway #17 Long Beach CA
First Bank
Pacific Coast Hwy Branch
6200 East Pacific Coast Highway 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 Marina Branch
6398 East Pacific Coast Highway 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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.