California

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You are viewing savings rates in Bakersfield, California

Bakersfield, California Credit Union Savings Rates 2019

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Bakersfield, CA - September 19, 2019

Savings Account National Average Rate: 0.19% ?

Advertiser Disclosure
Credit UnionS APY Vs.
Nat'l
Av.
MIN Miles?
Patelco
Restrictions
2.00% 10.31x $2,001 6988.63
Alliant
Restrictions
1.90% 9.79x $100 6698.71
Star One
Restrictions
1.85% 9.54x $5 6964.73
Chevron
Restrictions
1.75% 9.02x $2,500 6987.16
Usc
Restrictions
1.75% 9.02x $10,000 6695.10
American Airlines
Restrictions
1.71% 8.81x $1 6665.99
Self-help
Restrictions
1.58% 8.14x $500 6920.66
Keypoint
Restrictions
1.50% 7.73x $5,000 6784.14
F & A
Restrictions
1.16% 5.98x $2,500 6690.06
1.05% 5.41x $1 6682.60
Premier America
Restrictions
1.05% 5.41x $25,000 6714.65
Ukrainian
Restrictions
1.00% 5.16x $25,000 6961.92
Premier America
Restrictions
0.95% 4.90x $2,500 6714.65
0.90% 4.64x $25,000 6704.82
0.90% 4.64x $25,000 6607.67
Sierra Central
Restrictions
0.90% 4.64x $25,000 6978.68
0.85% 4.38x $10,000 6704.82
Sierra Central
Restrictions
0.85% 4.38x $25,000 6978.68
0.80% 4.12x $2,500 6704.82
Logix
Restrictions
0.80% 4.12x $25,000 6702.65
0.80% 4.12x $20,000 6656.95
Schools Financial
Restrictions
0.80% 4.12x $10,000 6963.95
0.75% 3.87x $25,000 6885.96
Sce
Restrictions
0.75% 3.87x $25,000 6682.48
Ukrainian
Restrictions
0.75% 3.87x $2,500 6961.92
Stanford
Restrictions
0.75% 3.87x $2,500 6970.33
0.75% 3.87x $10,000 6607.67
0.71% 3.66x $25,000 6956.62
Logix
Restrictions
0.70% 3.61x $10,000 6702.65
0.70% 3.61x $2,000 6656.95
Schools Financial
Restrictions
0.70% 3.61x $10,000 6963.95
Usc
Restrictions
0.70% 3.61x $10,000 6695.10
0.65% 3.35x $2,501 6778.56
Travis
Restrictions
0.65% 3.35x $25,000 6983.33
0.65% 3.35x $25,000 6985.69
0.60% 3.09x $10,001 6885.96
Sri
Restrictions
0.60% 3.09x $25,000 6973.50
0.60% 3.09x $25,000 6961.41
0.60% 3.09x $25,000 6701.10
Pacific Service
Restrictions
0.60% 3.09x $25,000 6979.30
Travis
Restrictions
0.60% 3.09x $25,000 6983.33
Usc
Restrictions
0.60% 3.09x $2,500 6695.10
0.60% 3.09x $2,500 6985.69
0.55% 2.84x $1 6885.96
Desert Valleys
Restrictions
0.55% 2.84x $25,000 6705.23
Geico
Restrictions
0.55% 2.84x $25,000 6606.80
Sri
Restrictions
0.55% 2.84x $2,500 6973.50
Xceed Financial
Restrictions
0.55% 2.84x $10,000 6698.18
Sierra Central
Restrictions
0.55% 2.84x $10,000 6978.68
Schools Financial
Restrictions
0.55% 2.84x $2,500 6963.95
Travis
Restrictions
0.55% 2.84x $7,500 6983.33
0.55% 2.84x $2,500 6956.62
Lbs Financial
Restrictions
0.55% 2.84x $25,000 6685.96
Provident
Restrictions
0.51% 2.63x $10,000 6989.23
Lassen County
Restrictions
0.50% 2.58x $25,000 6976.96
Los Angeles
Restrictions
0.50% 2.58x $25,000 6696.55
F & A
Restrictions
0.50% 2.58x $5 6690.06
Logix
Restrictions
0.50% 2.58x $2,500 6702.65
Kinecta
Restrictions
0.50% 2.58x $10,000 6697.66
Desert Valleys
Restrictions
0.50% 2.58x $10,000 6705.23
Geico
Restrictions
0.50% 2.58x $5,000 6606.80
Sce
Restrictions
0.50% 2.58x $1 6682.48
Sri
Restrictions
0.50% 2.58x $1 6973.50
Chabot
Restrictions
0.50% 2.58x $10,000 6968.14
Unify Financial
Restrictions
0.50% 2.58x $10,000 6697.05
Partners
Restrictions
0.50% 2.58x $25,000 6670.24
Schoolsfirst
Restrictions
0.50% 2.58x $25,000 6668.55
Chevron
Restrictions
0.50% 2.58x $25 6987.16
0.50% 2.58x $25 6942.76
0.50% 2.58x $2,500 7024.47
Sacramento
Restrictions
0.50% 2.58x $25,000 6969.34
0.50% 2.58x $10,000 6961.41
0.50% 2.58x $10,000 6701.10
Pacific Service
Restrictions
0.50% 2.58x $2,500 6979.30
Orange County's
Restrictions
0.50% 2.58x $25,000 6666.33
Premier One
Restrictions
0.50% 2.58x $10,000 6962.60
Patelco
Restrictions
0.50% 2.58x $10,001 6988.63
Tulare County
Restrictions
0.45% 2.32x $2,500 6802.29
Los Angeles
Restrictions
0.45% 2.32x $10,000 6696.55
Ume
Restrictions
0.45% 2.32x $10,000 6701.73
Desert Valleys
Restrictions
0.45% 2.32x $2,500 6705.23
Bay
Restrictions
0.45% 2.32x $25,000 0.00
Unify Financial
Restrictions
0.45% 2.32x $2,500 6697.05
0.45% 2.32x $10,000 6961.76
Noble
Restrictions
0.45% 2.32x $10,000 6841.85
0.45% 2.32x $10,000 6700.47
Sierra Central
Restrictions
0.45% 2.32x $2,500 6978.68
Media City
Restrictions
0.45% 2.32x $10,000 6700.68
Energy One
Restrictions
0.40% 2.06x $25,000 6769.26
Lassen County
Restrictions
0.40% 2.06x $10,000 6976.96
Los Angeles
Restrictions
0.40% 2.06x $2,500 6696.55
Gain
Restrictions
0.40% 2.06x $10,000 6701.24
Sandia Laboratory
Restrictions
0.40% 2.06x $25,000 6959.25
Partners 1st
Restrictions
0.40% 2.06x $25,000 6961.81
Kings
Restrictions
0.40% 2.06x $10,000 6821.05
Bay
Restrictions
0.40% 2.06x $10,000 0.00
Partners
Restrictions
0.40% 2.06x $2,500 6670.24
0.40% 2.06x $1,000 6961.76
The Golden 1
Restrictions
0.40% 2.06x $10,000 6962.73
Sacramento
Restrictions
0.40% 2.06x $10,000 6969.34
San Mateo
Restrictions
0.40% 2.06x $1 6976.96
0.40% 2.06x $25,000 6965.99
0.40% 2.06x $2,500 6961.41
0.40% 2.06x $2,500 6701.10
0.40% 2.06x $25,000 6959.85
Travis
Restrictions
0.40% 2.06x $1 6983.33
0.40% 2.06x $1,000 6956.62
Lbs Financial
Restrictions
0.40% 2.06x $2,500 6685.96
0.40% 2.06x $10,000 6964.41
0.40% 2.06x $25,000 6679.57
Menlo Survey
Restrictions
0.35% 1.81x $3,000 6973.21
Pasadena
Restrictions
0.35% 1.80x $10,000 6691.29
0.35% 1.80x $5 6885.96
Gain
Restrictions
0.35% 1.80x $2,500 6701.24
Sandia Laboratory
Restrictions
0.35% 1.80x $10,000 6959.25
Chabot
Restrictions
0.35% 1.80x $2,500 6968.14
Schoolsfirst
Restrictions
0.35% 1.80x $10,000 6668.55
Noble
Restrictions
0.35% 1.80x $2,500 6841.85
0.35% 1.80x $2,500 6949.07
0.35% 1.80x $10,000 6965.99
Technology
Restrictions
0.35% 1.80x $25,000 6957.25
0.35% 1.80x $10,000 6959.85
Southland
Restrictions
0.35% 1.80x $10,000 6679.64
Ventura County
Restrictions
0.35% 1.80x $25,000 6747.24
American First
Restrictions
0.35% 1.80x $10,000 6675.88
Silverado
Restrictions
0.35% 1.80x $25,000 7015.94
Wings Financial
Restrictions
0.35% 1.80x $5,000 6698.20
Chaffey
Restrictions
0.30% 1.55x $10,000 6663.55
Justice
Restrictions
0.30% 1.55x $25,000 6704.38
La Financial
Restrictions
0.30% 1.55x $10,000 6693.11
Sandia Laboratory
Restrictions
0.30% 1.55x $2,500 6959.25
Partners 1st
Restrictions
0.30% 1.55x $5,000 6961.81
Thinkwise
Restrictions
0.30% 1.55x $10,000 6648.64
Vons Employees
Restrictions
0.30% 1.55x $10,000 6608.20
Kings
Restrictions
0.30% 1.55x $2,500 6821.05
0.30% 1.55x $2,500 6958.12
Sacramento
Restrictions
0.30% 1.55x $2,500 6969.34
Alta Vista
Restrictions
0.30% 1.55x $20,000 6642.99
0.30% 1.55x $2,500 6700.47
Keypoint
Restrictions
0.30% 1.55x $25,000 6784.14
Eagle Community
Restrictions
0.30% 1.55x $25,000 6671.20
First Imperial
Restrictions
0.30% 1.55x $25,001 6534.32
Technology
Restrictions
0.30% 1.55x $2,500 6957.25
0.30% 1.55x $1 6959.85
Cabrillo
Restrictions
0.30% 1.55x $25,000 6608.37
Premier America
Restrictions
0.30% 1.55x $5 6714.65
0.30% 1.55x $2,500 6964.41
American First
Restrictions
0.30% 1.55x $2,500 6675.88
Wings Financial
Restrictions
0.30% 1.55x $25,000 6698.20
0.30% 1.55x $10,000 6679.57
Energy One
Restrictions
0.25% 1.29x $2,500 6769.26
0.25% 1.29x $1 6704.82
Justice
Restrictions
0.25% 1.29x $2,500 6704.38
Nuvision
Restrictions
0.25% 1.29x $25,000 6684.66
Pasadena
Restrictions
0.25% 1.29x $2,500 6691.29
Star Usa
Restrictions
0.25% 1.29x $50,000 -
Logix
Restrictions
0.25% 1.29x $2,500 6702.65
Ume
Restrictions
0.25% 1.29x $1,500 6701.73
Kinecta
Restrictions
0.25% 1.29x $2,500 6697.66
Alaska Usa
Restrictions
0.25% 1.29x $25,000 6657.97
Thinkwise
Restrictions
0.25% 1.29x $2,500 6648.64
Vons Employees
Restrictions
0.25% 1.29x $1 6608.20
Sun Community
Restrictions
0.25% 1.29x $25,000 6530.70
Kings
Restrictions
0.25% 1.29x $1,000 6821.05
0.25% 1.29x $25,000 6600.50
Bay
Restrictions
0.25% 1.29x $2,500 0.00
Xceed Financial
Restrictions
0.25% 1.29x $1,000 6698.18
First California
Restrictions
0.25% 1.29x $250 6838.23
0.25% 1.29x $1,000 6607.67
Schoolsfirst
Restrictions
0.25% 1.29x $2,000 6668.55
Self-help
Restrictions
0.25% 1.29x $100 6920.66
Arrowhead Central
Restrictions
0.25% 1.29x $25,000 6666.11
The Golden 1
Restrictions
0.25% 1.29x $1 6962.73
0.25% 1.29x $1,000 6965.99
0.25% 1.29x $25,000 6959.96
Premier Community
Restrictions
0.25% 1.29x $25,000 6947.40
Merco
Restrictions
0.25% 1.29x $7,500 6886.30
Keypoint
Restrictions
0.25% 1.29x $10,000 6784.14
Wescom Central
Restrictions
0.25% 1.29x $25,000 6667.08
Eagle Community
Restrictions
0.25% 1.29x $10,000 6671.20
Technology
Restrictions
0.25% 1.29x $2,500 6957.25
Schools Financial
Restrictions
0.25% 1.29x $2,000 6963.95
Cabrillo
Restrictions
0.25% 1.29x $10,000 6608.37
Southland
Restrictions
0.25% 1.29x $2,500 6679.64
Alliance
Restrictions
0.25% 1.29x $2,500 6954.23
0.25% 1.29x $25,000 6664.86
Silverado
Restrictions
0.25% 1.29x $1,000 7015.94
Media City
Restrictions
0.25% 1.29x $2,500 6700.68
0.25% 1.29x $2,500 6679.57
Point Loma
Restrictions
0.21% 1.08x $25,000 6609.28
Nuvision
Restrictions
0.20% 1.03x $10,000 6684.66
Pacific Crest
Restrictions
0.20% 1.03x $25,000 7082.54
Sesloc
Restrictions
0.20% 1.03x $2,500 6842.41
Tucoemas
Restrictions
0.20% 1.03x $2,500 6805.32
Sandia Laboratory
Restrictions
0.20% 1.03x $100 6959.25
Alaska Usa
Restrictions
0.20% 1.03x $10,000 6657.97
Partners 1st
Restrictions
0.20% 1.03x $2,500 6961.81
0.20% 1.03x $10,000 6600.50
0.20% 1.03x $2,500 6698.95
Stanford
Restrictions
0.20% 1.03x $2,500 6970.33
Partners
Restrictions
0.20% 1.03x $2,500 6670.24
Central State
Restrictions
0.20% 1.03x $25,000 6943.18
California
Restrictions
0.20% 1.03x $10,000 6697.24
Safe 1
Restrictions
0.20% 1.03x $25,000 6768.12
The Golden 1
Restrictions
0.20% 1.03x $100 6962.73
0.20% 1.03x $10,000 6959.96
Alta Vista
Restrictions
0.20% 1.03x $20,000 6642.99
Merco
Restrictions
0.20% 1.03x $2,500 6886.30
Keypoint
Restrictions
0.20% 1.03x $1,000 6784.14
California Coast
Restrictions
0.20% 1.03x $25,000 6609.43
Wescom Central
Restrictions
0.20% 1.03x $10,000 6667.08
Eagle Community
Restrictions
0.20% 1.03x $2,500 6671.20
Sierra Central
Restrictions
0.20% 1.03x $1 6978.68
Baxter
Restrictions
0.20% 1.03x $25,000 6697.62
First Imperial
Restrictions
0.20% 1.03x $10,001 6534.32
Safe
Restrictions
0.20% 1.03x $25,000 6966.37
Cabrillo
Restrictions
0.20% 1.03x $2,500 6608.37
Ventura County
Restrictions
0.20% 1.03x $10,000 6747.24
Frontwave
Restrictions
0.20% 1.03x $2,500 6627.97
Wings Financial
Restrictions
0.20% 1.03x $5,000 6698.20
0.20% 1.03x $2,500 6985.69
Rancho
Restrictions
0.18% 0.93x $2,500 6686.84
Provident
Restrictions
0.16% 0.82x $2,500 6989.23
Fme
Restrictions
0.15% 0.77x $25,000 6678.17
Energy One
Restrictions
0.15% 0.77x $100 6769.26
Lassen County
Restrictions
0.15% 0.77x $25 6976.96
Star Usa
Restrictions
0.15% 0.77x $2,500 -
Pacific Crest
Restrictions
0.15% 0.77x $10,000 7082.54
Los Angeles
Restrictions
0.15% 0.77x $1,000 6696.55
La Financial
Restrictions
0.15% 0.77x $1 6693.11
Kern Schools
Restrictions
0.15% 0.77x $10,000 6768.98
Altaone
Restrictions
0.15% 0.77x $25,000 6704.47
Tucoemas
Restrictions
0.15% 0.77x $250 6805.32
Alaska Usa
Restrictions
0.15% 0.77x $2,500 6657.97
Strata
Restrictions
0.15% 0.77x $10,000 6765.16
Sun Community
Restrictions
0.15% 0.77x $1 6530.70
Clearpath
Restrictions
0.15% 0.77x $2,500 6697.47
0.15% 0.77x $10,000 6600.50
Menlo Survey
Restrictions
0.15% 0.77x $5 6973.21
Mission
Restrictions
0.15% 0.77x $2,500 6614.06
Smw 104
Restrictions
0.15% 0.77x $25,000 6979.72
0.15% 0.77x $25 6607.67
Central State
Restrictions
0.15% 0.77x $10,000 6943.18
United Local
Restrictions
0.15% 0.77x $10,000 6837.72
Arrowhead Central
Restrictions
0.15% 0.77x $1 6666.11
California
Restrictions
0.15% 0.77x $2,500 6697.24
0.15% 0.77x $25,000 6614.32
Safe 1
Restrictions
0.15% 0.77x $10,000 6768.12
Altura
Restrictions
0.15% 0.77x $10,000 6643.54
Premier Community
Restrictions
0.15% 0.77x $10,000 6947.40
Alta Vista
Restrictions
0.15% 0.77x $2,000 6642.99
0.15% 0.77x $100 6700.47
California Coast
Restrictions
0.15% 0.77x $25,000 6609.43
Wescom Central
Restrictions
0.15% 0.77x $2,500 6667.08
0.15% 0.77x $25 6839.10
Safe
Restrictions
0.15% 0.77x $10,000 6966.37
Point Loma
Restrictions
0.15% 0.77x $10,000 6609.28
Southland
Restrictions
0.15% 0.77x $25 6679.64
Orange County's
Restrictions
0.15% 0.77x $2,500 6666.33
0.15% 0.77x $2,500 6664.86
Usc
Restrictions
0.15% 0.77x $100 6695.10
Lbs Financial
Restrictions
0.15% 0.77x $100 6685.96
American First
Restrictions
0.15% 0.77x $500 6675.88
Frontwave
Restrictions
0.15% 0.77x $5 6627.97
Premier One
Restrictions
0.15% 0.77x $1,500 6962.60
Wings Financial
Restrictions
0.15% 0.77x $1 6698.20
0.13% 0.67x $2,500 6959.96
Sce
Restrictions
0.12% 0.62x $250 6682.48
Smw 104
Restrictions
0.12% 0.62x $10,000 6979.72
Fme
Restrictions
0.10% 0.52x $2,000 6678.17
Tulare County
Restrictions
0.10% 0.52x $25 6802.29
Chaffey
Restrictions
0.10% 0.52x $5 6663.55
Justice
Restrictions
0.10% 0.52x $2,500 6704.38
Nuvision
Restrictions
0.10% 0.52x $5 6684.66
Star Usa
Restrictions
0.10% 0.52x $10 -
Pacific Crest
Restrictions
0.10% 0.52x $1,000 7082.54
Gain
Restrictions
0.10% 0.52x $100 6701.24
Ume
Restrictions
0.10% 0.52x $100 6701.73
Desert Valleys
Restrictions
0.10% 0.52x $5 6705.23
Altaone
Restrictions
0.10% 0.52x $1,000 6704.47
Alaska Usa
Restrictions
0.10% 0.52x $50 6657.97
Strata
Restrictions
0.10% 0.52x $2,500 6765.16
Geico
Restrictions
0.10% 0.52x $300 6606.80
Thinkwise
Restrictions
0.10% 0.52x $2,501 6648.64
Ukrainian
Restrictions
0.10% 0.52x $50 6961.92
Vons Employees
Restrictions
0.10% 0.52x $1 6608.20
Yolo
Restrictions
0.10% 0.52x $10,000 6986.61
0.10% 0.52x $5 6600.50
Bay
Restrictions
0.10% 0.52x $2,500 0.00
Mokelumne
Restrictions
0.10% 0.52x $100 6948.04
Mission
Restrictions
0.10% 0.52x $1 6614.06
Central Coast
Restrictions
0.10% 0.52x $25,000 6934.70
Edwards
Restrictions
0.10% 0.52x $2,500 6698.32
Smw 104
Restrictions
0.10% 0.52x $2,500 6979.72
Unify Financial
Restrictions
0.10% 0.52x $5 6697.05
Partners
Restrictions
0.10% 0.52x $1 6670.24
Schoolsfirst
Restrictions
0.10% 0.52x $5 6668.55
0.10% 0.52x $100 6961.76
0.10% 0.52x $25 6958.12
Noble
Restrictions
0.10% 0.52x $250 6841.85
Central State
Restrictions
0.10% 0.52x $500 6943.18
United Local
Restrictions
0.10% 0.52x $2,500 6837.72
Arrowhead Central
Restrictions
0.10% 0.52x $2,000 6666.11
Redwood
Restrictions
0.10% 0.52x $2,500 7024.47
0.10% 0.52x $1 6614.32
San Diego County
Restrictions
0.10% 0.52x $10,000 6613.67
Safe 1
Restrictions
0.10% 0.52x $50 6768.12
Sacramento
Restrictions
0.10% 0.52x $1,000 6969.34
Altura
Restrictions
0.10% 0.52x $1 6643.54
Premier Community
Restrictions
0.10% 0.52x $1,000 6947.40
Alta Vista
Restrictions
0.10% 0.52x $25 6642.99
Merco
Restrictions
0.10% 0.52x $1 6886.30
0.10% 0.52x $10,000 6928.02
California Coast
Restrictions
0.10% 0.52x $2,500 6609.43
Wescom Central
Restrictions
0.10% 0.52x $1 6667.08
Eagle Community
Restrictions
0.10% 0.52x $100 6671.20
Baxter
Restrictions
0.10% 0.52x $1 6697.62
First Imperial
Restrictions
0.10% 0.52x $1,000 6534.32
Safe
Restrictions
0.10% 0.52x $5 6966.37
0.10% 0.52x $5 6701.10
Valley First
Restrictions
0.10% 0.52x $2,500 6921.30
Pacific Service
Restrictions
0.10% 0.52x $2,500 6979.30
Orange County's
Restrictions
0.10% 0.52x $100 6666.33
Travis
Restrictions
0.10% 0.52x $100 6983.33
Alliance
Restrictions
0.10% 0.52x $100 6954.23
0.10% 0.52x $500 6664.86
Silverado
Restrictions
0.10% 0.52x $1,000 7015.94
Premier One
Restrictions
0.10% 0.52x $50 6962.60
0.10% 0.52x $1 6995.27
Coasthills
Restrictions
0.10% 0.52x $5,000 6818.69
Rancho
Restrictions
0.08% 0.41x $1,000 6686.84
Point Loma
Restrictions
0.08% 0.41x $1,000 6609.28
0.08% 0.41x $200 6959.85
0.07% 0.36x $25 6656.95
0.07% 0.36x $2,500 7110.71
Valley First
Restrictions
0.07% 0.36x $1,000 6921.30
0.07% 0.36x $100 6964.41
Mocse
Restrictions
0.06% 0.31x $25,000 6920.48
Fme
Restrictions
0.05% 0.26x $1 6678.17
Pasadena
Restrictions
0.05% 0.26x $1 6691.29
Star Usa
Restrictions
0.05% 0.26x $5 -
La Financial
Restrictions
0.05% 0.26x $500 6693.11
Kern Schools
Restrictions
0.05% 0.26x $1,000 6768.98
Kinecta
Restrictions
0.05% 0.26x $5 6697.66
Strata
Restrictions
0.05% 0.26x $2,500 6765.16
Partners 1st
Restrictions
0.05% 0.26x $500 6961.81
Sun Community
Restrictions
0.05% 0.26x $50 6530.70
Mokelumne
Restrictions
0.05% 0.26x $500 6948.04
Central Coast
Restrictions
0.05% 0.26x $10,000 6934.70
Edwards
Restrictions
0.05% 0.26x $25 6698.32
Smw 104
Restrictions
0.05% 0.26x $250 6979.72
First Technology
Restrictions
0.05% 0.26x $5 6962.45
Xceed Financial
Restrictions
0.05% 0.26x $100 6698.18
United Local
Restrictions
0.05% 0.26x $2,000 6837.72
California
Restrictions
0.05% 0.26x $100 6697.24
San Diego County
Restrictions
0.05% 0.26x $100 6613.67
0.05% 0.26x $10 6949.07
San Mateo
Restrictions
0.05% 0.26x $50 6976.96
0.05% 0.26x $100 6965.99
Uncle
Restrictions
0.05% 0.26x $100 6959.96
0.05% 0.26x $2,500 6928.02
Keypoint
Restrictions
0.05% 0.26x $1 6784.14
California Coast
Restrictions
0.05% 0.26x $50 6609.43
Baxter
Restrictions
0.05% 0.26x $5 6697.62
0.05% 0.26x $5 6961.41
First Imperial
Restrictions
0.05% 0.26x $5 6534.32
Meriwest
Restrictions
0.05% 0.26x $2,500 6951.75
Cabrillo
Restrictions
0.05% 0.26x $1 6608.37
Travis
Restrictions
0.05% 0.26x $1 6983.33
Ventura County
Restrictions
0.05% 0.26x $25 6747.24
Media City
Restrictions
0.05% 0.26x $500 6700.68
Patelco
Restrictions
0.05% 0.26x $1 6988.63
Coasthills
Restrictions
0.05% 0.26x $5 6818.69
Clearpath
Restrictions
0.04% 0.21x $1 6697.47
0.04% 0.21x $25 7110.71
0.04% 0.21x $100 6939.57
0.04% 0.21x $100 6959.96
Mocse
Restrictions
0.04% 0.18x $10,000 6920.48
0.03% 0.15x $500 6820.16
Yolo
Restrictions
0.03% 0.15x $100 6986.61
Central Coast
Restrictions
0.03% 0.15x $2,500 6934.70
Provident
Restrictions
0.03% 0.15x $5 6989.23
Point Loma
Restrictions
0.03% 0.15x $2,500 6609.28
Meriwest
Restrictions
0.03% 0.15x $100 6951.75
Monterey
Restrictions
0.03% 0.15x $250 6935.30
Mocse
Restrictions
0.03% 0.13x $2,500 6920.48
0.03% 0.13x $100 6679.57
0.02% 0.10x $1 6776.90
Central Coast
Restrictions
0.02% 0.10x $100 6934.70
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.


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

PRODUCT INFORMATION


Credit Union Savings Accounts 2019

Credit union savings accounts (also sometimes called share certificates or money market accounts) are savings vehicles that are offered by credit unions. Many Americans enjoy performing their banking transactions with credit unions as they are technically member-owned and may have branches close by. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions do have limited fields of membership – you must be a resident of a certain area or have a family member who was employed by a certain company. Other credit unions will have fields of membership that are virtually open ended (eg. must love life, etc.). If you find a credit union that interests you because of a rate or a service or a location, but are unsure if you qualify for membership, it is often worth reaching out to the credit union to discuss the parameters of the field of membership and whether there may be other ways in which you may qualify for membership.

Unlike online banks and even many local banks, all but the largest credit unions often lack robust online banking features. If you are interested in online banking, be sure to ask your credit unions about the online and mobile services they offer.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

SAVINGS & CD CALCULATOR

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