California

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Costa Mesa, California Credit Union Savings Rates

You are viewing savings rates from credit unions in Costa Mesa, California

 

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.

Costa Mesa, CA - June 15, 2025

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

12 Month Introductory Rate

Rate History: 3.75% → 4.00% → 3.60%

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 2.50% → 2.00%

Rate History: 1.30% → 1.50%

Rate History: 1.25% → 1.30% → 1.35% → 1.40% → 1.42%

Rate History: 2.00% → 1.90% → 1.75% → 0.85%

0.80%

$2,500

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0.80%

$25,000

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| May 12, 2016

19 what, years or months Read More

0.70%

$2,500

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Sce

Sce Branch
Restrictions

0.55%

$25,000

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| Apr 19, 2021

Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More

0.40%

$10,000

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0.40%

$25,000

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Sce

Sce Branch
Restrictions

0.35%

$2,500

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$25,000

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0.30%

$25,000

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0.30%

$25,000

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| Aug 31, 2020

Great rates and fast loans Read More

0.25%

$10,000

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0.25%

$10,000

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| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Sce

Sce Branch
Restrictions

0.20%

$2,500

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0.20%

$2,500

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0.20%

0.15%
0.10%
0.05%

$250,000

$50,000
$100
$0
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0.20%

$2,500

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Edu


Restrictions

0.20%

$0

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0.20%

$2,500

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0.20%

$2,500

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0.20%

0.15%
0.05%

$100,000

$50,000
$100
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0.15%

$2,500

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0.15%

$25,000

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0.15%

$10,000

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0.15%

$2,500

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| Aug 31, 2020

Great rates and fast loans Read More

0.15%

$2,500

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0.15%

$25,000

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0.15%

$2,500

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0.12%

$2,500

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0.10%

$10,000

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$10,000

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| Aug 31, 2020

Great rates and fast loans Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| May 12, 2016

19 what, years or months Read More

0.08%

$2,500

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0.07%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

0.05%

$2,500

Learn More

0.05%

$100

Learn More

0.05%

$2,500

Learn More

| Apr 19, 2021

Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More

0.04%

$2,500

Learn More

0.03%

$2,500

Learn More

Edu


Restrictions

0.01%

$1

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


Branches Info around Costa Mesa, CA - June 15, 2025


Branch Street City State
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
AMERICAN AIRLINES
Aafcu - Sna Aafcu - Sna Branch
18017 Sky Park Cir Ste A Irvine CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
SCHOOLSFIRST
Downey Downey Branch
9125 Imperial Hwy Ste A Downey CA
ALTURA
Altura Altura Branch
16035 Robin Way City of Industry CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
ALTURA
Altura Altura Branch
16035 Robin Way City of Industry CA
ALTURA
Altura Altura Branch
16035 Robin Way City of Industry CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
SCHOOLSFIRST
Downey Downey Branch
9125 Imperial Hwy Ste A Downey CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
WESCOM CENTRAL
Signal Hill Signal Hill Branch
2600 Cherry Ave Signal Hill CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
LONG BEACH FIREMEN S
Long Beach Firemen S Long Beach Firemen S Branch
2245 Argonne Ave Long Beach CA
CAPSTONE
Capstone Federal Credit Union Capstone Federal Credit Union Branch
3 POLARIS WAY STE 31B ALISO VIEJO CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
CALIFORNIA
California California Branch
633 E. University Dr., Suite A Carson CA
WESCOM CENTRAL
Signal Hill Signal Hill Branch
2600 Cherry Ave Signal Hill CA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 1800 Glenn Curtiss St, Bldg DH3 Carson CA
SCHOOLSFIRST
Downey Downey Branch
9125 Imperial Hwy Ste A Downey CA
CHEVRON
Br#5 Brea Br#5 Brea Branch
145 S State College Blvd Brea CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
CAPSTONE
Capstone Federal Credit Union Capstone Federal Credit Union Branch
3 POLARIS WAY STE 31B ALISO VIEJO CA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 1800 Glenn Curtiss St, Bldg DH3 Carson CA
WESCOM CENTRAL
Signal Hill Signal Hill Branch
2600 Cherry Ave Signal Hill CA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 1800 Glenn Curtiss St, Bldg DH3 Carson CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
ALTURA
Altura Altura Branch
16035 Robin Way City of Industry CA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 1800 Glenn Curtiss St, Bldg DH3 Carson CA
WESCOM CENTRAL
Signal Hill Signal Hill Branch
2600 Cherry Ave Signal Hill CA
RIZE
Sce Sce Branch
3200 Mulford Avenue Lynwood CA
CALIFORNIA
California California Branch
633 E. University Dr., Suite A Carson CA
KINECTA
Kinecta Kinecta Branch
20238 Avalon Blvd Carson CA
WESCOM CENTRAL
Signal Hill Signal Hill Branch
2600 Cherry Ave Signal Hill CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
USC
Orange County Relationship Center Orange County Relationship Center Branch
2272 Michelson Dr Ste 102 Irvine CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
KINECTA
Kinecta Kinecta Branch
20238 Avalon Blvd Carson CA
RIZE
Sce Sce Branch
3200 Mulford Avenue Lynwood CA
WESCOM CENTRAL
Signal Hill Signal Hill Branch
2600 Cherry Ave Signal Hill CA
LA FINANCIAL
Norwalk Branch Norwalk Branch
12125 Imperial Hwy Ste A1 Norwalk CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
CHAFFEY
Chaffey Chaffey Branch
210 N First St La Puente CA
FIRST CITY
Lakewood Branch Lakewood Branch
4107 Candlewood St Lakewood CA
LBS FINANCIAL
Lbs Financial Lbs Financial Branch
4436 Atlantic Ave Long Beach CA
EAGLE COMMUNITY
City Of Industry Branch City Of Industry Branch
15421 E Gale Ave City of Industry CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
KINECTA
Kinecta Kinecta Branch
20238 Avalon Blvd Carson CA
EAGLE COMMUNITY
City Of Industry Branch City Of Industry Branch
15421 E Gale Ave City of Industry CA
FIRST CITY
Lakewood Branch Lakewood Branch
4107 Candlewood St Lakewood CA
NAVY FEDERAL CREDIT UNION
Fountain Valley Fountain Valley Branch
18709 Brookhurst St Fountain Valley CA
RIZE
Sce Sce Branch
3200 Mulford Avenue Lynwood CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
LBS FINANCIAL
Lbs Financial Lbs Financial Branch
4436 Atlantic Ave Long Beach CA
FIRST CITY
Lakewood Branch Lakewood Branch
4107 Candlewood St Lakewood CA
EAGLE COMMUNITY
City Of Industry Branch City Of Industry Branch
15421 E Gale Ave City of Industry CA
KINECTA
Kinecta Kinecta Branch
20238 Avalon Blvd Carson CA
SAN DIEGO COUNTY
Branch 26 Laguna Niguel Branch 26 Laguna Niguel
32341 Golden Lantern Ste A Laguna Niguel CA
CENTER CITY COMMUNITY
Yamaha Buena Park Yamaha Buena Park Branch
6600 Orangethorpe Ave Buena Park CA
SAN DIEGO COUNTY
Branch 26 Laguna Niguel Branch 26 Laguna Niguel
32341 Golden Lantern Ste A Laguna Niguel CA
ORANGE COUNTY'S
Orange County's Orange County's Branch
1800 Ximeno Ave Ste. 101C Long Beach CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
CERTIFIED
Vons Employees Vons Employees Branch
12801 Excelsior Dr. Santa Fe Springs CA
CLEARPATH
Compton Branch Compton Branch
1200 W Artesia Blvd Compton CA
USC
Orange County Relationship Center Orange County Relationship Center Branch
2272 Michelson Dr Ste 102 Irvine CA
THE FIRST FINANCIAL
Lakewood Branch Lakewood Branch
4018 Hardwick ST Lakewood CA
LA FINANCIAL
Norwalk Branch Norwalk Branch
12125 Imperial Hwy Ste A1 Norwalk CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
KINECTA
Kinecta Kinecta Branch
20238 Avalon Blvd Carson CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
RANCHO
Rancho Rancho Branch
12620 Erickson Ave Ste H Downey CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
SOUTHLAND
Southland Southland Branch
8545 Florence Ave. Downey CA
FIRST CITY
Lakewood Branch Lakewood Branch
4107 Candlewood St Lakewood CA
AMERICAN FIRST
Buena Park Buena Park Branch
6011 Lincoln Ave Ste B Buena Park CA
ORANGE COUNTY'S
Orange County's Orange County's Branch
1800 Ximeno Ave Ste. 101C Long Beach CA
THE FIRST FINANCIAL
Lakewood Branch Lakewood Branch
4018 Hardwick ST Lakewood CA
USC
Orange County Relationship Center Orange County Relationship Center Branch
2272 Michelson Dr Ste 102 Irvine CA
CERTIFIED
Vons Employees Vons Employees Branch
12801 Excelsior Dr. Santa Fe Springs CA
ALTURA
Altura Altura Branch
16035 Robin Way City of Industry CA
LBS FINANCIAL
Lbs Financial Lbs Financial Branch
4436 Atlantic Ave Long Beach CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
SCHOOLSFIRST
Downey Downey Branch
9125 Imperial Hwy Ste A Downey CA
CHAFFEY
Chaffey Chaffey Branch
210 N First St La Puente CA
EAGLE COMMUNITY
City Of Industry Branch City Of Industry Branch
15421 E Gale Ave City of Industry CA
TRUGROCER
Trugrocer Trugrocer Branch
341 E. Imperial Highway Fullerton CA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 1800 Glenn Curtiss St, Bldg DH3 Carson CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
RANCHO
Rancho Rancho Branch
12620 Erickson Ave Ste H Downey CA
CAPSTONE
Capstone Federal Credit Union Capstone Federal Credit Union Branch
3 POLARIS WAY STE 31B ALISO VIEJO CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA
CENTER CITY COMMUNITY
Yamaha Buena Park Yamaha Buena Park Branch
6600 Orangethorpe Ave Buena Park CA
SOUTHLAND
Southland Southland Branch
8545 Florence Ave. Downey CA
ORANGE COUNTY'S
Orange County's Orange County's Branch
1800 Ximeno Ave Ste. 101C Long Beach CA
CERTIFIED
Vons Employees Vons Employees Branch
12801 Excelsior Dr. Santa Fe Springs CA
PARTNERS
Partners Partners Branch
700 W. Ball Road Anaheim CA
LA FINANCIAL
Norwalk Branch Norwalk Branch
12125 Imperial Hwy Ste A1 Norwalk CA
SAN DIEGO COUNTY
Branch 26 Laguna Niguel Branch 26 Laguna Niguel
32341 Golden Lantern Ste A Laguna Niguel CA
CALIFORNIA
California California Branch
633 E. University Dr., Suite A Carson CA
THE FIRST FINANCIAL
Lakewood Branch Lakewood Branch
4018 Hardwick ST Lakewood CA
KINECTA
Kinecta Kinecta Branch
20238 Avalon Blvd Carson CA
FINANCIAL PARTNERS
Financial Partners Financial Partners Branch
7800 E. Imperial Highway Downey CA
NUVISION
Carson Branch Carson Branch
2350 E 223rd St Carson CA
CLEARPATH
Compton Branch Compton Branch
1200 W Artesia Blvd Compton CA
THE FIRST FINANCIAL
Lakewood Branch Lakewood Branch
4018 Hardwick ST Lakewood CA
BAXTER
Brea Brea Branch
250 S Kraemer Blvd Brea CA


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

FREQUENTLY ASKED QUESTIONS ABOUT 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.

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