Best Local Bank Savings and Money Market Rates in California, CA July 1, 2025

You are viewing savings rates from banks across California

or View rates from local banks

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!

CA - July 1, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Citibank, National Association West, National Association Branch	4.35% 0.20%	$0 $1	Learn More
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%
Azoic \| 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 Reviews (22)
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 Carmel Main 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)
Banesco Usa	4.25%	$300	Learn More
Rate History: 4.50% → 4.40% → 4.25% → 4.00% → 4.25%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Poppy Bank Oakmont Branch	4.25% 0.20%	$1,000 $1,000	Learn More
Rate guaranteed from opening for 180 days. Rate History: 5.50% → 4.50% → 4.25%
denied_soft_credit_pull \| Jan 10, 2024 Applied for the Joint 5.50% Hi Yield Savings special. (Note: some places reference it is guaranteed for 6 months, other parts of website only guarantee rate for 3 months). We applied and surprising denied ... Read More Reviews (1)
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)
North American Savings Bank	4.10%	$10,000	Learn More
Rate History: 4.90% → 4.75% → 4.55% → 4.20% → 4.10%
A Terkowitz \| Feb 15, 2024 I have always had great experiences with short-term CDs from this bank. No delays. Read More Reviews (3)
Banesco Usa	4.00%	$300	Learn More
Rate History: 1.35% → 5.25% → 4.75% → 4.50% → 4.00%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Ctbc Bank Corp. (usa) Ctbc Bank Corp. (Usa) Branch	3.80%	$50,000	Learn More Add Review
Beal Bank Usa San Jose Branch	3.75%	$500	Learn More
Rate History: 4.25% → 3.75%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Beal Bank San Diego Branch	3.75%	$500	Learn More Add Review
Rate History: 4.25% → 3.75%
Citizens Bank, National Association	3.70%	$0	Learn More
Rate History: 4.50% → 4.15% → 3.90% → 3.70%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
Td Bank, National Association	3.70% 2.25%	$100,000 $50,000	Learn More
Rate History: 4.00% → 3.70%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Capital One, National Association	3.60%	$1	Learn More
Rate History: 4.10% → 4.00% → 3.90% → 3.80% → 3.60%
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)
Hsbc Bank Usa, National Association Garden Grove 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 Balboa Clairemont 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 Usa San Jose Branch	3.50%	$25,000	Learn More
Rate History: 4.00% → 3.50%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Beal Bank San Diego Branch	3.50% 3.25%	$25,000 $1,000	Learn More Add Review
Rate History: 4.00% → 3.50%
U.s. Bank National Association Foster City 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)
Community Commerce Bank Claremont Branch	3.30%	$50	Learn More
Rate History: 3.57% → 3.56% → 3.30%
samcasino \| Mar 5, 2021 The best rate on any CD or savings account is .40% Read More Reviews (2)
Bank Of Hope Fullerton Branch	3.05%	$1,000	Learn More
NORTY FLATZ \| 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 Reviews (1)
Citizens Bank, National Association	3.00% 2.75%	$250,000 $25,000	Learn More
Rate History: 1.00% → 3.00%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
Bank Of Whittier, National Association Bank Of Whittier, National Association Branch	2.60%	$250	Learn More Add Review
American Plus Bank, N.a. American Plus Bank, N.A. 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 Irvine Branch	2.30% 1.75% 1.00%	$500,000 $150,000 $50,000	Learn More Add Review
Amalgamated Bank Amalgamated Bank Branch	2.07% 1.71% 1.00% 0.15%	$100,000 $50,000 $25,000 $0	Learn More Add Review
Rate History: 2.27% → 5.25% → 2.27% → 2.17% → 2.07%
Zions Bancorporation, N.a. San Marcos Branch	2.02% 1.71% 1.51% 0.80%	$500,000 $250,000 $100,000 $5,000	Learn More Add Review
M.y. Safra Bank, Fsb	2.00%	$5,000	Learn More
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
American Plus Bank, N.a. American Plus Bank, N.A. Branch	1.85% 0.50%	$10,000 $100,000	Learn More Add Review
Firstbank 42nd & Jackson Branch	1.65% 0.50%	$100,000 $20,000	Learn More
Rate History: 2.50% → 2.40% → 2.00% → 1.85% → 1.65%
Carrandrewb \| Aug 5, 2022 The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More Reviews (1)
Zions Bancorporation, N.a. San Marcos Branch	1.46% 0.70%	$100,000 $1,000	Learn More Add Review
Rate History: 2.02% → 1.46%
Fremont Bank Newark Branch	1.40% 1.05% 0.15%	$1,000,000 $250,000 $50,000	Learn More Add Review
Rate History: 1.65% → 1.60% → 1.50% → 1.45% → 1.40%
Amalgamated Bank Amalgamated Bank Branch	1.36%	$100,000	Learn More Add Review
Rate History: 1.26% → 1.76% → 1.51% → 1.41% → 1.36%
Usaa Federal Savings Bank	1.10% 0.01%	$500,000 $1	Learn More
Rate History: 1.50% → 1.45% → 1.10%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	1.01% 0.01%	$100,000 $1	Learn More
Rate History: 1.01% → 1.02% → 1.01%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
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)
Eh National Bank Eh National Bank Branch	0.55%	$10,000	Learn More Add Review
Home Bank Of California Home Bank Of California Branch	0.50%	$2,500	Learn More Add Review
City National Bank La Palma Branch	0.50%	$0	Learn More Add Review
Rate History: 1.36% → 1.11% → 0.85% → 0.60% → 0.50%
Fremont Bank Newark Branch	0.40% 0.35% 0.25% 0.10% 0.05%	$500,000 $250,000 $100,000 $50,000 $0	Learn More Add Review
Rate History: 0.75% → 0.60% → 0.55% → 0.45% → 0.40%
Nano Banc Commerce Bank Of Temecula Valley Branch	0.40%	$10,000	Learn More Add Review
Balboa Thrift And Loan Association Balboa Thrift And Loan Association Branch	0.40%	$2,500	Learn More Add Review
Commonwealth Business Bank Irvine Center Branch	0.40%	$2,500	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
Oneunited Bank Ladera Heights Branch	0.40% 0.30% 0.20%	$201 $25,000 $200	Learn More Add Review
California Business Bank California Business Bank Branch	0.35%	$2,500	Learn More Add Review
United Pacific Bank United Pacific Bank Branch	0.35%	$25,000	Learn More Add Review
Nano Banc Commerce Bank Of Temecula Valley Branch	0.35%	$2,500	Learn More Add Review
Commonwealth Business Bank Irvine Center Branch	0.35%	$10,000	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
American First National Bank Alhambra Branch	0.30%	$25,000	Learn More Add Review
State Bank Of India (california) San Diego Branch	0.30% 0.25% 0.20%	$100 $50,000 $500	Learn More Add Review
Midfirst Bank Century City Branch	0.30%	$2,500	Learn More
sharzns \| Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More Reviews (3)
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)
Eh National Bank Eh National Bank Branch	0.25%	$2,500	Learn More Add Review
Neighborhood National Bank Neighborhood National Bank Branch	0.25%	$10,000	Learn More Add Review
Tustin Community Bank Tustin Community Bank Branch	0.25%	$10,000	Learn More Add Review
Five Star Bank Elk Grove Branch	0.25%	$2,500	Learn More Add Review
Bank Of San Francisco Bank Of San Francisco Branch	0.25%	$25,000	Learn More Add Review
Golden Bank, National Association Tustin Branch	0.25%	$2,500	Learn More Add Review
Cathay Bank Far East National Bank Main Office B 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
American First National Bank Alhambra Branch	0.25%	$10,000	Learn More Add Review
Firstbank 42nd & Jackson Branch	0.25% 0.02%	$100,000 $500	Learn More
Rate History: 1.00% → 0.60% → 0.45% → 0.25%
Carrandrewb \| Aug 5, 2022 The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More Reviews (1)
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)
Commonwealth Business Bank Irvine Center Branch	0.25%	$2,500	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
Community Commerce Bank Claremont Branch	0.25%	$50	Learn More
samcasino \| Mar 5, 2021 The best rate on any CD or savings account is .40% Read More Reviews (2)
Keybank National Association	0.25%	$5,000	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.s. Bank National Association Foster City 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
Nano Banc Commerce Bank Of Temecula Valley Branch	0.20%	$2,500	Learn More Add Review
Bank Of The Orient Millbrae Branch	0.20%	$2,500	Learn More Add Review
Bank Of San Francisco Bank Of San Francisco Branch	0.20%	$10,000	Learn More Add Review
Us Metro Bank Us Metro Bank Branch	0.20%	$25,000	Learn More Add Review
American First National Bank Alhambra Branch	0.20%	$2,500	Learn More Add Review
First Commercial Bank (usa) Fremont Branch	0.20% 0.15%	$10,000 $2,500	Learn More Add Review
Midfirst Bank Century City Branch	0.20%	$2,500	Learn More
sharzns \| Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More Reviews (3)
Calprivate Bank La Jolla Branch	0.20%	$25,000	Learn More Add Review
Neighborhood National Bank Neighborhood National Bank Branch	0.20%	$2,500	Learn More Add Review
Murphy Bank Murphy Bank Branch	0.20%	$2,500	Learn More
Kewl2 \| Aug 22, 2020 Good for mobile home loans in parks, Read More Reviews (3)
First National Bank In Frankfort	0.20%	$0	Learn More Add Review
Zions Bancorporation, N.a. San Marcos 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
Endeavor Bank Endeavor Bank Branch	0.15%	$2,500	Learn More Add Review
Neighborhood National Bank Neighborhood National Bank Branch	0.15%	$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
Community Bank Of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	0.15%	$25,000	Learn More Add Review
Fresno First Bank Fresno First Bank Branch	0.15%	$2,500	Learn More Add Review
Friendly Hills Bank Friendly Hills Bank Branch	0.15%	$25,000	Learn More Add Review
Bank Of San Francisco Bank Of San Francisco Branch	0.15%	$2,500	Learn More Add Review
Golden Bank, National Association Tustin Branch	0.15%	$10,000	Learn More Add Review
Industrial And Commercial Bank Of China Usa, National Association Clement Street Branch	0.15%	$25,000	Learn More Add Review
Gateway Bank, F.s.b. Gateway Bank, F.S.b. Branch	0.15%	$2,500	Learn More Add Review
Farmers & Merchants Bank Of Central California Manteca Branch	0.15%	$10,000	Learn More Add Review
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	0.15%	$25,000	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Calprivate Bank La Jolla Branch	0.15%	$2,500	Learn More Add Review
American First National Bank Alhambra Branch	0.15%	$2,500	Learn More Add Review
Golden State Bank Brea Branch	0.15%	$10,000	Learn More Add Review
Montecito Bank & Trust Hollister Branch	0.15%	$10,000	Learn More Add Review
First General Bank San Gabriel Branch	0.15%	$10,000	Learn More Add Review
Oneunited Bank Ladera Heights Branch	0.15% 0.10% 0.05%	$75,000 $25,000 $500	Learn More Add Review
Beacon Business Bank, National Association Peninsula Branch	0.15%	$25,000	Learn More Add Review
Asian Pacific National Bank Asian Pacific National Bank Branch	0.15%	$25,000	Learn More Add Review
Pcb Bank Downtown Fashion District Branch	0.15%	$1,000	Learn More Add Review
American Riviera Bank American Riviera Bank Branch	0.15%	$10,000	Learn More Add Review
Sterling Bank And Trust, Fsb Irving Street Branch	0.15%	$0	Learn More
samcasino \| Jan 30, 2021 Sterling hasn't offered a 1% rate for over a year. Best one can do now is .20%. The rates shown on this site are grossly outdated. Read More Reviews (1)
Exchange Bank Windsor Branch	0.13%	$10,000	Learn More Add Review
Sterling Bank And Trust, Fsb Irving Street Branch	0.10%	$1	Learn More
samcasino \| Jan 30, 2021 Sterling hasn't offered a 1% rate for over a year. Best one can do now is .20%. The rates shown on this site are grossly outdated. Read More Reviews (1)
Exchange Bank Windsor Branch	0.10%	$10,000	Learn More Add Review
American Continental Bank Chino Hills Branch	0.10%	$1	Learn More
Ednnani@hotmail.com \| Aug 7, 2021 Are you open on sat. Read More Reviews (2)
Endeavor Bank Endeavor Bank Branch	0.10%	$2,500	Learn More Add Review
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
Poppy Bank Oakmont Branch	0.10%	$1,000	Learn More
denied_soft_credit_pull \| Jan 10, 2024 Applied for the Joint 5.50% Hi Yield Savings special. (Note: some places reference it is guaranteed for 6 months, other parts of website only guarantee rate for 3 months). We applied and surprising denied ... Read More Reviews (1)
Community Valley Bank Brawley Branch	0.10%	$2,500	Learn More
laberta ewing \| Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More Reviews (1)
Friendly Hills Bank Friendly Hills Bank 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 Clement Street Branch	0.10%	$2,500	Learn More Add Review
Community Bank Of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	0.10%	$2,500	Learn More Add Review
Malaga Bank F.s.b. Rolling Hills Estates Branch	0.10%	$10,000	Learn More Add Review
Fresno First Bank Fresno First Bank Branch	0.10%	$2,500	Learn More Add Review
Monterey County Bank Monterey County Bank Branch	0.10%	$2,500	Learn More Add Review
Pinnacle Bank Morgan Hill Branch	0.10%	$2,500	Learn More Add Review
Open Bank Open Bank Branch	0.10%	$2,500	Learn More Add Review
Santa Cruz County Bank Capitola Branch	0.10%	$2,500	Learn More Add Review
Beacon Business Bank, National Association Peninsula Branch	0.10%	$2,500	Learn More Add Review
United Security Bank Convention Center Branch	0.10%	$2,500	Learn More Add Review
Asian Pacific National Bank Asian Pacific National Bank 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)
Bank Of Guam San Francisco Branch	0.10%	$2,500	Learn More Add Review
Mission National Bank Mission National Bank Branch	0.10%	$2,500	Learn More Add Review
Us Metro Bank Us Metro Bank Branch	0.10%	$2,500	Learn More Add Review
Home Bank Of California Home Bank Of California Branch	0.10%	$2,500	Learn More Add Review
First General Bank San Gabriel Branch	0.10%	$2,500	Learn More Add Review
First Federal Savings And Loan Association Of San Rafael 6058 College Avenue Branch	0.10%	$2,500	Learn More Add Review
First-citizens Bank & Trust Company First-Citizens Bank & Trust Company 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 Huntington Beach Branch	0.10%	$10,000	Learn More Add Review
Summit State Bank Summit State Bank Branch	0.10%	$2,500	Learn More Add Review
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	0.10%	$2,500	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Golden Bank, National Association Tustin Branch	0.10%	$2,500	Learn More Add Review
Calprivate Bank La Jolla Branch	0.10%	$2,500	Learn More Add Review
Pacific Alliance Bank Rosemead Branch	0.10%	$0	Learn More
wiewro@hotmail.com \| Dec 1, 2020 wieslaw wrobel Read More Reviews (1)
Beneficial State Bank Beneficial State Bank Branch	0.10%	$2,500	Learn More
Michael strubert \| Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More Reviews (1)
Wallis Bank Wall Street Branch	0.10%	$2,500	Learn More Add Review
United Business Bank Napa 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 Rosemead Branch	0.10%	$2,500	Learn More Add Review
Eastern International Bank Eastern International Bank Branch	0.10%	$10,000	Learn More Add Review
East West Bank Metro United Bank Branch	0.10%	$10,000	Learn More
Bauhinia C \| 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 Reviews (2)
Pacific Premier Bank Montebello Office Branch	0.10%	$10,000	Learn More
Harry Reese \| Jul 22, 2015 Fix your automated system so I can find information after you close Read More Reviews (1)
Citizens Business Bank County Commerce Bank Branch	0.10%	$2,500	Learn More Add Review
Hanmi Bank Irvine Branch	0.10%	$2,500	Learn More Add Review
The Bank Of Hemet Anza Branch	0.10%	$10,000	Learn More Add Review
Gateway Bank, F.s.b. Gateway Bank, F.S.b. Branch	0.10%	$10,000	Learn More Add Review
Bank Of The Orient Millbrae Branch	0.10%	$2,500	Learn More Add Review
First Commercial Bank (usa) Fremont Branch	0.10%	$2,500	Learn More Add Review
Metropolitan Bank Oakland Chinatown Branch	0.10%	$25,000	Learn More Add Review
American Riviera Bank American Riviera Bank Branch	0.10%	$2,500	Learn More Add Review
Royal Business Bank Buena Park Branch	0.10%	$10,000	Learn More Add Review
Bank Of Stockton Lone Tree Way Branch	0.09%	$2,500	Learn More Add Review
Plumas Bank Redding Branch	0.08%	$2,500	Learn More Add Review
Provident Savings Bank, F.s.b. La Quinta Branch	0.08%	$25,000	Learn More Add Review
El Dorado Savings Bank, F.s.b. Tahoe Valley Y Branch	0.08%	$25,000	Learn More Add Review
Bank Of The Sierra Ojai Community Bank Main Office Bran Branch	0.07%	$25,000	Learn More Add Review
Exchange Bank Windsor Branch	0.07%	$2,500	Learn More Add Review
Friendly Hills Bank Friendly Hills Bank Branch	0.07%	$25,000	Learn More Add Review
Bank Of Marin Bank Of Napa, Na Main Office Branch	0.07%	$1	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.07%	$25,000	Learn More Add Review
Oak Valley Community Bank Modesto Dale Branch	0.07%	$25,000	Learn More Add Review
Bank Of Stockton Lone Tree Way Branch	0.06%	$2,500	Learn More Add Review
Westamerica Bank Northgate Branch	0.06%	$10,000	Learn More
scott \| Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More Reviews (2)
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)
Infinity Bank Infinity Bank Branch	0.05%	$2,500	Learn More Add Review
Provident Savings Bank, F.s.b. La Quinta Branch	0.05%	$2,500	Learn More Add Review
Beacon Business Bank, National Association Peninsula Branch	0.05%	$2,500	Learn More Add Review
Monterey County Bank Monterey County Bank Branch	0.05%	$2,500	Learn More Add Review
United Business Bank Napa 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)
Pacific Valley Bank Monterey Branch	0.05%	$2,500	Learn More Add Review
Pinnacle Bank Morgan Hill Branch	0.05%	$2,500	Learn More Add Review
Santa Cruz County Bank Capitola Branch	0.05%	$2,500	Learn More Add Review
Avidbank Avidbank Branch	0.05%	$25,000	Learn More Add Review
Bank Of The Sierra Ojai Community Bank Main Office Bran Branch	0.05%	$2,500	Learn More Add Review
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)
Metropolitan Bank Oakland Chinatown Branch	0.05%	$2,500	Learn More Add Review
Cathay Bank Far East National Bank Main Office B Branch	0.05%	$50,000	Learn More Add Review
Heritage Bank Of Commerce Gilroy Branch	0.05%	$2,500	Learn More Add Review
Hanmi Bank Irvine Branch	0.05%	$2,500	Learn More Add Review
Evertrust Bank Cupertino 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 Clement Street Branch	0.05%	$1,000	Learn More Add Review
Farmers And Merchants Bank Of Long Beach Huntington Beach Branch	0.05%	$2,500	Learn More Add Review
Royal Business Bank Buena Park Branch	0.05%	$2,500	Learn More Add Review
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	0.05%	$2,500	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Bank Of San Francisco Bank Of San Francisco Branch	0.05%	$2,500	Learn More Add Review
Manufacturers Bank Beverly Hills Branch	0.05%	$2,500	Learn More Add Review
Northern California National Bank Northern California National Bank Branch	0.05%	$10,000	Learn More Add Review
Montecito Bank & Trust Hollister Branch	0.05%	$2,500	Learn More Add Review
Pacific Premier Bank Montebello Office Branch	0.05%	$2,500	Learn More
Harry Reese \| Jul 22, 2015 Fix your automated system so I can find information after you close Read More Reviews (1)
Mission Bank Lancaster Branch	0.05%	$2,500	Learn More Add Review
Western Alliance Bank Kearny Mesa Branch	0.05%	$2,500	Learn More Add Review
Malaga Bank F.s.b. Rolling Hills Estates Branch	0.05%	$2,500	Learn More Add Review
Friendly Hills Bank Friendly Hills Bank Branch	0.05%	$2,500	Learn More Add Review
East West Bank Metro United Bank Branch	0.05%	$2,500	Learn More
Bauhinia C \| 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 Reviews (2)
Homestreet Bank Irvine Branch	0.05%	$0	Learn More Add Review
The Bank Of Hemet Anza Branch	0.05%	$2,500	Learn More Add Review
Gateway Bank, F.s.b. Gateway Bank, F.S.b. Branch	0.05%	$2,500	Learn More Add Review
Eastern International Bank Eastern International Bank Branch	0.05%	$2,500	Learn More Add Review
Community Bank Of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	0.05%	$2,500	Learn More Add Review
Summit State Bank Summit State Bank Branch	0.05%	$2,500	Learn More Add Review
Exchange Bank Windsor Branch	0.05%	$2,500	Learn More Add Review
Plumas Bank Redding Branch	0.05%	$25,000	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.05%	$10,000	Learn More Add Review
Oak Valley Community Bank Modesto Dale Branch	0.05%	$10,000	Learn More Add Review
El Dorado Savings Bank, F.s.b. Tahoe Valley Y Branch	0.05%	$10,000	Learn More Add Review
Preferred Bank Irvine Branch	0.05%	$1	Learn More Add Review
Farmers & Merchants Bank Of Central California Manteca Branch	0.04%	$2,500	Learn More Add Review
California Pacific Bank California Pacific Bank Branch	0.04%	$2,500	Learn More Add Review
Universal Bank Rosemead Branch	0.04%	$2,500	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.04%	$2,500	Learn More Add Review
Bank Of America, National Association Pasadena Pwm Branch	0.04%	$2,500	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (11)
Pacific Valley Bank Monterey Branch	0.03%	$2,500	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.03%	$2,500	Learn More Add Review
Plumas Bank Redding Branch	0.03%	$2,500	Learn More Add Review
Provident Savings Bank, F.s.b. La Quinta Branch	0.03%	$10,000	Learn More Add Review
Westamerica Bank Northgate Branch	0.03%	$2,500	Learn More
scott \| Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More Reviews (2)
Northern California National Bank Northern California National Bank Branch	0.03%	$2,500	Learn More Add Review
Farmers & Merchants Bank Of Central California Manteca Branch	0.03%	$2,500	Learn More Add Review
Bank Of Southern California, N.a. La Quinta Branch	0.03%	$25,000	Learn More Add Review
Mega Bank Mega Bank Branch	0.03%	$2,500	Learn More Add Review
Oak Valley Community Bank Modesto Dale Branch	0.03%	$2,500	Learn More Add Review
El Dorado Savings Bank, F.s.b. Tahoe Valley Y Branch	0.03%	$2,500	Learn More Add Review
First Bank Kearny Mesa Branch	0.02% 0.01%	$10,000 $0	Learn More Add Review
Avidbank Avidbank Branch	0.02%	$2,500	Learn More Add Review
Comerica Bank Carmel Main 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)
California Pacific Bank California Pacific Bank Branch	0.02%	$2,500	Learn More Add Review
Westamerica Bank Northgate Branch	0.02%	$2,500	Learn More
scott \| Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More Reviews (2)
Pnc Bank, National Association	0.02%	$50,000	Learn More
Rate History: 1.00% → 0.05% → 0.02%
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Montecito Bank & Trust Hollister Branch	0.02%	$2,500	Learn More Add Review
Mega Bank Mega Bank Branch	0.02%	$2,500	Learn More Add Review
Jpmorgan Chase Bank, National Association San Francisco - Embarcadero 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)
Pnc Bank, National Association	0.01%	$2,500	Learn More
Rate History: 0.03% → 0.01%
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Keybank National Association	0.01%	$1	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
Comerica Bank Carmel Main 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)
Mission National Bank Mission National Bank Branch	0.01%	$2,500	Learn More Add Review
Northern California National Bank Northern California National Bank Branch	0.01%	$2,500	Learn More Add Review
First Western Trust Bank First Western Trust Bank Century Cit Branch	0.01%	$2,500	Learn More Add Review
American Business Bank American Business Bank Branch	0.01%	$2,500	Learn More Add Review
Mechanics Bank Westlake Village 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)
Bank Of Southern California, N.a. La Quinta Branch	0.01%	$2,500	Learn More Add Review
Bank Of Marin Bank Of Napa, Na Main Office Branch	0.01%	$1	Learn More Add Review
Manufacturers Bank Beverly Hills Branch	0.01%	$2,500	Learn More Add Review
City National Bank La Palma 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.

See rates for Credit Unions →

See rates for Online Banks →

Branches Info across California

Branch	Street	City	State
Citibank, National Association West, National Association Branch	One Sansome Street, 22nd Floor	San Francisco	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Comerica Bank Carmel Main Branch	Dolores Street Between 7th And 8th Avenues	Carmel	CA
Poppy Bank Oakmont Branch	6580 Oakmont Drive	Santa Rosa	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
CTBC Bank Corp. (USA) Ctbc Bank Corp. (Usa) Branch	801 South Figueroa Street, Suite 2300	Los Angeles	CA
Beal Bank USA San Jose Branch	5180 Stevens Creek Boulevard, Suite 20	San Jose	CA
XD Bank San Diego Branch	8880 Rio San Diego Dr Suite 103	San Diego	CA
HSBC Bank USA, National Association Garden Grove Branch	9622 Garden Grove Boulevard, Suite 101	Garden Grove	CA
Banner Bank Balboa Clairemont Branch	5508 Balboa Avenue	San Diego	CA
Beal Bank USA San Jose Branch	5180 Stevens Creek Boulevard, Suite 20	San Jose	CA
XD Bank San Diego Branch	8880 Rio San Diego Dr Suite 103	San Diego	CA
U.S. Bank National Association Foster City Branch	999-F Edgewater	Foster City	CA
Community Commerce Bank Claremont Branch	390 West Foothill Boulevard	Claremont	CA
XD Bank San Diego Branch	8880 Rio San Diego Dr Suite 103	San Diego	CA
Bank of Hope Fullerton Branch	5300 Beach Boulevard, Unit 101	Buena Park	CA
Banner Bank Balboa Clairemont Branch	5508 Balboa Avenue	San Diego	CA
Bank of Whittier, National Association Bank Of Whittier, National Association Branch	15141 East Whittier Boulevard	Whittier	CA
American Plus Bank, N.A. American Plus Bank, N.A. Branch	630 West Duarte Road	Arcadia	CA
Banner Bank Balboa Clairemont Branch	5508 Balboa Avenue	San Diego	CA
HomeStreet Bank Irvine Branch	17901 Von Karman Avenue, Suite 100	Irvine	CA
American Plus Bank, N.A. American Plus Bank, N.A. Branch	630 West Duarte Road	Arcadia	CA
Amalgamated Bank Amalgamated Bank Branch	472 East Colorado Blvd.	Pasadena	CA
Banner Bank Balboa Clairemont Branch	5508 Balboa Avenue	San Diego	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
American Plus Bank, N.A. American Plus Bank, N.A. Branch	630 West Duarte Road	Arcadia	CA
HomeStreet Bank Irvine Branch	17901 Von Karman Avenue, Suite 100	Irvine	CA
Amalgamated Bank Amalgamated Bank Branch	472 East Colorado Blvd.	Pasadena	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
FirstBank 42nd & Jackson Branch	82900 Avenue 42	Indio	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Amalgamated Bank Amalgamated Bank Branch	472 East Colorado Blvd.	Pasadena	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	San Carlos And Ocean Street	Carmel	CA
Amalgamated Bank Amalgamated Bank Branch	472 East Colorado Blvd.	Pasadena	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
HomeStreet Bank Irvine Branch	17901 Von Karman Avenue, Suite 100	Irvine	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	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
EH National Bank Eh National Bank Branch	8484 Wilshire Boulevard Ste 100	Beverly Hills	CA
Home Bank of California Home Bank Of California Branch	4493 Ruffin Road	San Diego	CA
FirstBank 42nd & Jackson Branch	82900 Avenue 42	Indio	CA
City National Bank La Palma Branch	One Centerpointe Drive	La Palma	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
American Plus Bank, N.A. American Plus Bank, N.A. Branch	630 West Duarte Road	Arcadia	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Nano Banc Commerce Bank Of Temecula Valley Branch	25220 Hancock Avenue, Suite #140	Murrieta	CA
Balboa Thrift and Loan Association Balboa Thrift And Loan Association Branch	865 Amena Court	Chula Vista	CA
Commonwealth Business Bank Irvine Center Branch	9120 Irvine Center Drive, #100	Irvine	CA
OneUnited Bank Ladera Heights Branch	6810 La Tijera Boulevard	Los Angeles	CA
California Business Bank California Business Bank Branch	3200 El Camino Real, Suite 220	Irvine	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
Nano Banc Commerce Bank Of Temecula Valley Branch	25220 Hancock Avenue, Suite #140	Murrieta	CA
Commonwealth Business Bank Irvine Center Branch	9120 Irvine Center Drive, #100	Irvine	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
American First National Bank Alhambra Branch	1420 East Valley Boulevard, Suite A	Alhambra	CA
State Bank of India (California) San Diego Branch	9494 Black Mountain Road Ste C	San Diego	CA
MidFirst Bank Century City Branch	1875 Century Park East, Suite 1400	Los Angeles	CA
Shinhan Bank America Buena Park Branch	5450 Beach Boulevard	Buena Park	CA
OneUnited Bank Ladera Heights Branch	6810 La Tijera Boulevard	Los Angeles	CA
EH National Bank Eh National Bank Branch	8484 Wilshire Boulevard Ste 100	Beverly Hills	CA
Neighborhood National Bank Neighborhood National Bank Branch	3511 National Avenue	San Diego	CA
Tustin Community Bank Tustin Community Bank Branch	13891 Newport Avenue, Suites 100 & 130	Tustin	CA
Five Star Bank Elk Grove Branch	9355 East Stockton Blvd.	Elk Grove	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
Golden Bank, National Association Tustin Branch	2827 Park Avenue	Tustin	CA
Cathay Bank Far East National Bank Main Office B Branch	977 N. Broadway	Los Angeles	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
American First National Bank Alhambra Branch	1420 East Valley Boulevard, Suite A	Alhambra	CA
State Bank of India (California) San Diego Branch	9494 Black Mountain Road Ste C	San Diego	CA
FirstBank 42nd & Jackson Branch	82900 Avenue 42	Indio	CA
First Credit Bank First Credit Bank Branch	9255 Sunset Boulevard	Los Angeles	CA
Commonwealth Business Bank Irvine Center Branch	9120 Irvine Center Drive, #100	Irvine	CA
Community Commerce Bank Claremont Branch	390 West Foothill Boulevard	Claremont	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
U.S. Bank National Association Foster City Branch	999-F Edgewater	Foster City	CA
Cathay Bank Far East National Bank Main Office B Branch	977 N. Broadway	Los Angeles	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
Nano Banc Commerce Bank Of Temecula Valley Branch	25220 Hancock Avenue, Suite #140	Murrieta	CA
Bank of the Orient Millbrae Branch	979 Broadway	Millbrae	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
US Metro Bank Us Metro Bank Branch	9866 Garden Grove Boulevard	Garden Grove	CA
American First National Bank Alhambra Branch	1420 East Valley Boulevard, Suite A	Alhambra	CA
Poppy Bank Oakmont Branch	6580 Oakmont Drive	Santa Rosa	CA
First Commercial Bank (USA) Fremont Branch	46691 Mission Boulevard, Suite 230	Fremont	CA
State Bank of India (California) San Diego Branch	9494 Black Mountain Road Ste C	San Diego	CA
OneUnited Bank Ladera Heights Branch	6810 La Tijera Boulevard	Los Angeles	CA
MidFirst Bank Century City Branch	1875 Century Park East, Suite 1400	Los Angeles	CA
CalPrivate Bank La Jolla Branch	9404 Genesee Avenue, Suite 100	La Jolla	CA
Neighborhood National Bank Neighborhood National Bank Branch	3511 National Avenue	San Diego	CA
Murphy Bank Murphy Bank Branch	5180 North Palm Avenue	Fresno	CA
Citibank, National Association West, National Association Branch	One Sansome Street, 22nd Floor	San Francisco	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
California International Bank, N.A. California International Bank, N.A. Branch	8632 East Valley Boulevard, Suite A	Rosemead	CA
Amalgamated Bank Amalgamated Bank Branch	472 East Colorado Blvd.	Pasadena	CA
Endeavor Bank Endeavor Bank Branch	750 B Street Suite 3110	San Diego	CA
Neighborhood National Bank Neighborhood National Bank Branch	3511 National Avenue	San Diego	CA
First Credit Bank First Credit Bank Branch	9255 Sunset Boulevard	Los Angeles	CA
Partners Bank of California Partners Bank Of California Branch	27201 Puerta Real, Suite 160	Mission Viejo	CA
Community Bank of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	705 W Central Avenue	Lompoc	CA
FFB Bank Fresno First Bank Branch	7690 N. Palm Avenue, Ste. 101	Fresno	CA
First Pacific Bank Friendly Hills Bank Branch	16011 E. Whittier Boulevard	Whittier	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
Golden Bank, National Association Tustin Branch	2827 Park Avenue	Tustin	CA
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	622 Clement Street	San Francisco	CA
Gateway Bank, F.S.B. Gateway Bank, F.S.b. Branch	360 Eighth Street	Oakland	CA
Farmers & Merchants Bank of Central California Manteca Branch	611 North Main Street	Manteca	CA
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	37 Goldstone Road, Building 918	Fort Irwin	CA
CalPrivate Bank La Jolla Branch	9404 Genesee Avenue, Suite 100	La Jolla	CA
American First National Bank Alhambra Branch	1420 East Valley Boulevard, Suite A	Alhambra	CA
Golden State Bank Brea Branch	403 W. Imperial Highway, Suite D	Brea	CA
Montecito Bank & Trust Hollister Branch	6900 Hollister Avenue	Goleta	CA
First General Bank San Gabriel Branch	801 E. Valley Blvd Unit 103	San Gabriel	CA
OneUnited Bank Ladera Heights Branch	6810 La Tijera Boulevard	Los Angeles	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	1700 S. El Camino Real Ste 108	San Mateo	CA
First Commercial Bank (USA) Fremont Branch	46691 Mission Boulevard, Suite 230	Fremont	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Asian Pacific National Bank Asian Pacific National Bank Branch	333 West Valley Boulevard	San Gabriel	CA
PCB Bank Downtown Fashion District Branch	777 E. 12th Street, Suite 200	Los Angeles	CA
American Riviera Bank American Riviera Bank Branch	1033 Anacapa Street	Santa Barbara	CA
Sterling Bank and Trust, FSB Irving Street Branch	825 Irving Street	San Francisco	CA
Exchange Bank Windsor Branch	8700 Lakewood Drive	Windsor	CA
Sterling Bank and Trust, FSB Irving Street Branch	825 Irving Street	San Francisco	CA
Exchange Bank Windsor Branch	8700 Lakewood Drive	Windsor	CA
American Continental Bank Chino Hills Branch	2983 Chino Avenue, Suite A6	Chino Hills	CA
Endeavor Bank Endeavor Bank Branch	750 B Street Suite 3110	San Diego	CA
Sunwest Bank Sunwest Bank Branch	905 Calle Amanecer, Suite 100	San Clemente	CA
Golden State Bank Brea Branch	403 W. Imperial Highway, Suite D	Brea	CA
Poppy Bank Oakmont Branch	6580 Oakmont Drive	Santa Rosa	CA
Community Valley Bank Brawley Branch	310 Main Street	Brawley	CA
First Pacific Bank Friendly Hills Bank Branch	16011 E. Whittier Boulevard	Whittier	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 Clement Street Branch	622 Clement Street	San Francisco	CA
Community Bank of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	705 W Central Avenue	Lompoc	CA
Malaga Bank F.S.B. Rolling Hills Estates Branch	27450 Hawthorne Boulevard	Rolling Hills Estates	CA
FFB Bank Fresno First Bank Branch	7690 N. Palm Avenue, Ste. 101	Fresno	CA
Monterey County Bank Monterey County Bank Branch	601 Munras Avenue	Monterey	CA
Pinnacle Bank Morgan Hill Branch	18181 Butterfield Boulevard, Suite 135	Morgan Hill	CA
Open Bank Open Bank Branch	1000 Wilshire Boulevard, Suite 100	Los Angeles	CA
Santa Cruz County Bank Capitola Branch	819 Bay Avenue	Capitola	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	1700 S. El Camino Real Ste 108	San Mateo	CA
United Security Bank Convention Center Branch	855 M Street, Ste 130	Fresno	CA
Asian Pacific National Bank Asian Pacific National Bank Branch	333 West Valley Boulevard	San Gabriel	CA
Commercial Bank of California Brea Branch	One Pointe Drive, Suite 100	Brea	CA
GBC International Bank Westminster Branch	9113 Bolsa Avenue	Westminster	CA
Bank of Guam San Francisco Branch	400 Montgomery Street	San Francisco	CA
Mission National Bank Mission National Bank Branch	3060 Sixteenth Street	San Francisco	CA
US Metro Bank Us Metro Bank Branch	9866 Garden Grove Boulevard	Garden Grove	CA
Home Bank of California Home Bank Of California Branch	4493 Ruffin Road	San Diego	CA
First General Bank San Gabriel Branch	801 E. Valley Blvd Unit 103	San Gabriel	CA
First Federal Savings and Loan Association of San Rafael 6058 College Avenue Branch	6058 College Avenue	Oakland	CA
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	44575 Avenida De Missiones	Temecula	CA
Farmers and Merchants Bank of Long Beach Huntington Beach Branch	7125 Yorktown Avenue	Huntington Beach	CA
Summit State Bank Summit State Bank Branch	500 Bicentennial Way	Santa Rosa	CA
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	37 Goldstone Road, Building 918	Fort Irwin	CA
Golden Bank, National Association Tustin Branch	2827 Park Avenue	Tustin	CA
CalPrivate Bank La Jolla Branch	9404 Genesee Avenue, Suite 100	La Jolla	CA
Pacific Alliance Bank Rosemead Branch	8400 East Valley Boulevard	Rosemead	CA
Beneficial State Bank Beneficial State Bank Branch	1438 Webster Street, Suite 100	Oakland	CA
Wallis Bank Wall Street Branch	855 S. Wall Street #855w	Los Angeles	CA
United Business Bank Napa Branch	960 School Street	Napa	CA
Universal Bank Rosemead Branch	3676 Rosemead Boulevard	Rosemead	CA
Eastern International Bank Eastern International Bank Branch	688 New High Street	Los Angeles	CA
East West Bank Metro United Bank Branch	7320 Clairemont Mesa Boulevard	San Diego	CA
Pacific Premier Bank, National Association Montebello Office Branch	2417 West Whittier Blvd	Montebello	CA
Citizens Business Bank County Commerce Bank Branch	3260 Telegraph Road	Ventura	CA
OneUnited Bank Ladera Heights Branch	6810 La Tijera Boulevard	Los Angeles	CA
Hanmi Bank Irvine Branch	1140 Roosevelt	Irvine	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
HCN Bank Anza Branch	56525 Highway 371	Anza	CA
Gateway Bank, F.S.B. Gateway Bank, F.S.b. Branch	360 Eighth Street	Oakland	CA
Bank of the Orient Millbrae Branch	979 Broadway	Millbrae	CA
First Commercial Bank (USA) Fremont Branch	46691 Mission Boulevard, Suite 230	Fremont	CA
Metropolitan Bank Oakland Chinatown Branch	381 8th Street	Oakland	CA
American Riviera Bank American Riviera Bank Branch	1033 Anacapa Street	Santa Barbara	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
Royal Business Bank Buena Park Branch	7025 Orangethorpe Avenue	Buena Park	CA
Bank of Stockton Lone Tree Way Branch	6590 Lone Tree Way	Brentwood	CA
Plumas Bank Redding Branch	1335 Hilltop Drive	Redding	CA
Provident Savings Bank, F.S.B. La Quinta Branch	78752 U.S. Highway 111	La Quinta	CA
El Dorado Savings Bank, F.S.B. Tahoe Valley Y Branch	942 Emerald Bay Rd	South Lake Tahoe	CA
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	44575 Avenida De Missiones	Temecula	CA
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	402 West Ojai Avenue	Ojai	CA
Exchange Bank Windsor Branch	8700 Lakewood Drive	Windsor	CA
First Pacific Bank Friendly Hills Bank Branch	16011 E. Whittier Boulevard	Whittier	CA
Bank of Marin Bank Of Napa, Na Main Office Branch	2007 Redwood Road, Suite 101	Napa	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
Oak Valley Community Bank Modesto Dale Branch	4120-B Dale Road	Modesto	CA
Bank of Stockton Lone Tree Way Branch	6590 Lone Tree Way	Brentwood	CA
Westamerica Bank Northgate Branch	One Mitchell Boulevard	San Rafael	CA
GBC International Bank Westminster Branch	9113 Bolsa Avenue	Westminster	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Infinity Bank Infinity Bank Branch	6 Hutton Centre Drive Suite 100	Santa Ana	CA
Provident Savings Bank, F.S.B. La Quinta Branch	78752 U.S. Highway 111	La Quinta	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	1700 S. El Camino Real Ste 108	San Mateo	CA
Monterey County Bank Monterey County Bank Branch	601 Munras Avenue	Monterey	CA
United Business Bank Napa Branch	960 School Street	Napa	CA
Pacific Valley Bank Monterey Branch	498 Alvarado Street	Monterey	CA
Pinnacle Bank Morgan Hill Branch	18181 Butterfield Boulevard, Suite 135	Morgan Hill	CA
Santa Cruz County Bank Capitola Branch	819 Bay Avenue	Capitola	CA
Avidbank Avidbank Branch	1732 N 1st St. 6th Floor	San Jose	CA
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	402 West Ojai Avenue	Ojai	CA
Sunwest Bank Sunwest Bank Branch	905 Calle Amanecer, Suite 100	San Clemente	CA
Metropolitan Bank Oakland Chinatown Branch	381 8th Street	Oakland	CA
Cathay Bank Far East National Bank Main Office B Branch	977 N. Broadway	Los Angeles	CA
Heritage Bank of Commerce Gilroy Branch	7598 Monterey Street	Gilroy	CA
Hanmi Bank Irvine Branch	1140 Roosevelt	Irvine	CA
EverTrust Bank Cupertino Branch	20510 Stevens Creek Blvd.	Cupertino	CA
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	622 Clement Street	San Francisco	CA
Farmers and Merchants Bank of Long Beach Huntington Beach Branch	7125 Yorktown Avenue	Huntington Beach	CA
Royal Business Bank Buena Park Branch	7025 Orangethorpe Avenue	Buena Park	CA
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	37 Goldstone Road, Building 918	Fort Irwin	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
SMBC MANUBANK Beverly Hills Branch	9777 Wilshire Boulevard	Beverly Hills	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
Montecito Bank & Trust Hollister Branch	6900 Hollister Avenue	Goleta	CA
Pacific Premier Bank, National Association Montebello Office Branch	2417 West Whittier Blvd	Montebello	CA
Mission Bank Lancaster Branch	43830 20th Street West	Lancaster	CA
Western Alliance Bank Kearny Mesa Branch	9280 Clairemont Mesa Boulevard	San Diego	CA
Malaga Bank F.S.B. Rolling Hills Estates Branch	27450 Hawthorne Boulevard	Rolling Hills Estates	CA
First Pacific Bank Friendly Hills Bank Branch	16011 E. Whittier Boulevard	Whittier	CA
East West Bank Metro United Bank Branch	7320 Clairemont Mesa Boulevard	San Diego	CA
HomeStreet Bank Irvine Branch	17901 Von Karman Avenue, Suite 100	Irvine	CA
OneUnited Bank Ladera Heights Branch	6810 La Tijera Boulevard	Los Angeles	CA
HCN Bank Anza Branch	56525 Highway 371	Anza	CA
Gateway Bank, F.S.B. Gateway Bank, F.S.b. Branch	360 Eighth Street	Oakland	CA
Eastern International Bank Eastern International Bank Branch	688 New High Street	Los Angeles	CA
Community Bank of Santa Maria Lompoc Community Bank, A Division Of Community Bank Of Santa Maria Branch	705 W Central Avenue	Lompoc	CA
Summit State Bank Summit State Bank Branch	500 Bicentennial Way	Santa Rosa	CA
Exchange Bank Windsor Branch	8700 Lakewood Drive	Windsor	CA
Plumas Bank Redding Branch	1335 Hilltop Drive	Redding	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
Oak Valley Community Bank Modesto Dale Branch	4120-B Dale Road	Modesto	CA
El Dorado Savings Bank, F.S.B. Tahoe Valley Y Branch	942 Emerald Bay Rd	South Lake Tahoe	CA
Preferred Bank Irvine Branch	890 Roosevelt Avenue	Irvine	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
U.S. Bank National Association Foster City Branch	999-F Edgewater	Foster City	CA
Farmers & Merchants Bank of Central California Manteca Branch	611 North Main Street	Manteca	CA
California Pacific Bank California Pacific Bank Branch	100 Montgomery Street, Suite 2250	San Francisco	CA
Universal Bank Rosemead Branch	3676 Rosemead Boulevard	Rosemead	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
Bank of America, National Association Pasadena Pwm Branch	800 E Colorado Blvd	Pasadena	CA
Pacific Valley Bank Monterey Branch	498 Alvarado Street	Monterey	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
Plumas Bank Redding Branch	1335 Hilltop Drive	Redding	CA
Provident Savings Bank, F.S.B. La Quinta Branch	78752 U.S. Highway 111	La Quinta	CA
Westamerica Bank Northgate Branch	One Mitchell Boulevard	San Rafael	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
Farmers & Merchants Bank of Central California Manteca Branch	611 North Main Street	Manteca	CA
California Bank of Commerce, National Association La Quinta Branch	47-000 Washington	La Quinta	CA
Mega Bank Mega Bank Branch	245 West Valley Boulevard	San Gabriel	CA
Oak Valley Community Bank Modesto Dale Branch	4120-B Dale Road	Modesto	CA
El Dorado Savings Bank, F.S.B. Tahoe Valley Y Branch	942 Emerald Bay Rd	South Lake Tahoe	CA
FirstBank 42nd & Jackson Branch	82900 Avenue 42	Indio	CA
First Bank Kearny Mesa Branch	9363 Clairemont Mesa Boulevard, Suite S	San Diego	CA
Avidbank Avidbank Branch	1732 N 1st St. 6th Floor	San Jose	CA
Comerica Bank Carmel Main Branch	Dolores Street Between 7th And 8th Avenues	Carmel	CA
California Pacific Bank California Pacific Bank Branch	100 Montgomery Street, Suite 2250	San Francisco	CA
Westamerica Bank Northgate Branch	One Mitchell Boulevard	San Rafael	CA
Montecito Bank & Trust Hollister Branch	6900 Hollister Avenue	Goleta	CA
Mega Bank Mega Bank Branch	245 West Valley Boulevard	San Gabriel	CA
JPMorgan Chase Bank, National Association San Francisco - Embarcadero Branch	Two Embarcadero Ctr Branch	San Francisco	CA
Wells Fargo Bank, National Association Carmel-By-the-sea Branch	San Carlos And Ocean Street	Carmel	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
HSBC Bank USA, National Association Garden Grove Branch	9622 Garden Grove Boulevard, Suite 101	Garden Grove	CA
Comerica Bank Carmel Main Branch	Dolores Street Between 7th And 8th Avenues	Carmel	CA
First Bank Kearny Mesa Branch	9363 Clairemont Mesa Boulevard, Suite S	San Diego	CA
Mission National Bank Mission National Bank Branch	3060 Sixteenth Street	San Francisco	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
First Western Trust Bank First Western Trust Bank Century Cit Branch	1900 Avenue Of The Stars, Suite 900	Los Angeles	CA
American Business Bank American Business Bank Branch	523 West 6th Street, Suite 900	Los Angeles	CA
Mechanics Bank Westlake Village Branch	875 S Westlake Blvd., Suite 101	Westlake Village	CA
California Bank of Commerce, National Association La Quinta Branch	47-000 Washington	La Quinta	CA
Bank of Marin Bank Of Napa, Na Main Office Branch	2007 Redwood Road, Suite 101	Napa	CA
SMBC MANUBANK Beverly Hills Branch	9777 Wilshire Boulevard	Beverly Hills	CA
City National Bank La Palma Branch	One Centerpointe Drive	La Palma	CA

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

CALIFORNIA SAVINGS ACCOUNT ENVIRONMENT

The banking system in California is quite robust and diverse, reflecting the state's status as the largest economy in the United States. It encompasses a wide range of financial institutions, including large national banks, regional banks, community banks, credit unions, and online banks.

At the heart of the banking system in California are numerous large national banks, such as Bank of America, Wells Fargo, and JPMorgan Chase. These banks provide a full range of financial services, including consumer and business banking, loans, investment services, and wealth management. They have a significant presence across the state and offer extensive branch and ATM networks to serve customers' needs.

In addition to national banks, there are several regional banks that operate primarily within California. These banks often focus on meeting the needs of specific communities or industry sectors. Examples include Union Bank, City National Bank, and East West Bank.

California is also home to numerous community banks, which are smaller, locally-owned institutions serving the banking needs of specific neighborhoods or communities. These banks often foster closer relationships with their customers and are known for their personalized service. Many community banks support local businesses and play a vital role in lending to small and medium-sized enterprises.

Credit unions are another important part of the banking system in California. These financial cooperatives are member-owned and are structured to provide a wide range of financial services at competitive rates. Credit unions often offer lower fees, better interest rates, and a more personalized experience to their members. California has a significant number of credit unions, including some of the largest in the country, such as Golden 1 Credit Union and SchoolsFirst Federal Credit Union.

The advent of technology has also driven the growth of online banks, which provide banking services exclusively through digital platforms. These banks offer convenience, competitive rates, and often have lower overhead costs, allowing them to offer favorable terms to customers. Examples of online banks operating in California include Ally Bank and Discover Bank.

Overall, the banking system in California is dynamic and competitive, catering to the diverse needs of individuals, businesses, and communities. Whether it's through traditional brick-and-mortar banks, community institutions, credit unions, or online banking, Californians have a wide array of options to choose from to manage their financial needs.

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.