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You are viewing savings rates in San Bernardino, California

San Bernardino, California Credit Union Savings Rates 2020

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.

San Bernardino, CA - February 19, 2020

Savings Account National Average Rate: 0.19% ?

Advertiser Disclosure
Credit UnionS APY Vs.
Nat'l
Av.
MIN Miles?
Sponsored Advertiser Disclosure
Meriwest
Restrictions
3.50% 18.92x $100 6951.75
Safe
Restrictions
3.26% 17.62x $2,001 6966.37
Noble
Restrictions
2.00% 10.81x $2,501 6841.85
Meriwest
Restrictions
2.00% 10.81x $10,000 6951.75
Patelco
Restrictions
2.00% 10.81x $2,001 6988.63
Sri
Restrictions
1.76% 9.51x $5 6973.50
American United
Restrictions
1.70% 9.19x $25,000 6619.31
Star One
Restrictions
1.65% 8.92x $5 6964.73
American United
Restrictions
1.55% 8.38x $10,000 6619.31
Chevron
Restrictions
1.55% 8.38x $2,500 6987.16
American Airlines
Restrictions
1.46% 7.89x $1 6665.99
American United
Restrictions
1.40% 7.57x $1,000 6619.31
Self-help
Restrictions
1.25% 6.76x $500 6920.66
F & A
Restrictions
1.06% 5.73x $2,500 6690.06
1.05% 5.68x $1 6682.60
Premier America
Restrictions
1.05% 5.68x $25,000 6714.65
Ukrainian
Restrictions
1.00% 5.41x $25,000 6961.92
Ume
Restrictions
1.00% 5.41x $100 6701.73
Stanford
Restrictions
1.00% 5.41x $2,500 6970.33
Keypoint
Restrictions
1.00% 5.41x $5,000 6784.14
Premier America
Restrictions
0.95% 5.14x $2,500 6714.65
0.90% 4.86x $25,000 6704.82
0.85% 4.59x $10,000 6704.82
0.80% 4.32x $2,500 6704.82
Logix
Restrictions
0.80% 4.32x $25,000 6702.65
0.80% 4.32x $20,000 6656.95
0.80% 4.32x $25,000 6607.67
Altura
Restrictions
0.80% 4.32x $10,000 6643.54
0.75% 4.05x $25,000 6885.96
Sce
Restrictions
0.75% 4.05x $25,000 6682.48
Ukrainian
Restrictions
0.75% 4.05x $2,500 6961.92
Sun Community
Restrictions
0.75% 4.05x $25,000 6530.70
Stanford
Restrictions
0.75% 4.05x $2,500 6970.33
First Technology
Restrictions
0.75% 4.05x $25,000 6962.45
Redwood
Restrictions
0.75% 4.05x $25,000 7024.47
0.75% 4.05x $25,000 6710.06
Energy One
Restrictions
0.70% 3.78x $20,001 6769.26
Logix
Restrictions
0.70% 3.78x $10,000 6702.65
0.70% 3.78x $2,000 6656.95
Noble
Restrictions
0.70% 3.78x $10,000 6841.85
Redwood
Restrictions
0.70% 3.78x $10,000 7024.47
Sierra Central
Restrictions
0.70% 3.78x $25,000 6978.68
Provident
Restrictions
0.61% 3.30x $25,000 6989.23
Energy One
Restrictions
0.60% 3.24x $5,001 6769.26
0.60% 3.24x $10,001 6885.96
Sri
Restrictions
0.60% 3.24x $25,000 6973.50
Sacramento
Restrictions
0.60% 3.24x $25,000 6969.34
0.60% 3.24x $1,000 6710.06
0.60% 3.24x $25,000 6961.41
0.60% 3.24x $25,000 6701.10
Travis
Restrictions
0.60% 3.24x $25,000 6983.33
0.60% 3.24x $25,000 6985.69
0.55% 2.97x $1 6885.96
Desert Valleys
Restrictions
0.55% 2.97x $25,000 6705.23
Sri
Restrictions
0.55% 2.97x $2,500 6973.50
Xceed Financial
Restrictions
0.55% 2.97x $10,000 6698.18
Pacific Service
Restrictions
0.55% 2.97x $25,000 6979.30
Travis
Restrictions
0.55% 2.97x $7,500 6983.33
0.55% 2.97x $2,500 6985.69
F & A
Restrictions
0.50% 2.70x $5 6690.06
Logix
Restrictions
0.50% 2.70x $2,500 6702.65
Kinecta
Restrictions
0.50% 2.70x $10,000 6697.66
Desert Valleys
Restrictions
0.50% 2.70x $10,000 6705.23
Sce
Restrictions
0.50% 2.70x $1 6682.48
Sun Community
Restrictions
0.50% 2.70x $2,500 6530.70
Chabot
Restrictions
0.50% 2.70x $10,000 6968.14
Unify Financial
Restrictions
0.50% 2.70x $10,000 6697.05
Partners
Restrictions
0.50% 2.70x $25,000 6670.24
First Technology
Restrictions
0.50% 2.70x $2,500 6962.45
0.50% 2.70x $10,000 6607.67
Schoolsfirst
Restrictions
0.50% 2.70x $25,000 6668.55
Chevron
Restrictions
0.50% 2.70x $25 6987.16
0.50% 2.70x $25 6942.76
Sacramento
Restrictions
0.50% 2.70x $10,000 6969.34
0.50% 2.70x $10,000 6961.41
0.50% 2.70x $10,000 6701.10
Schools Financial
Restrictions
0.50% 2.70x $25,000 6963.95
Orange County's
Restrictions
0.50% 2.70x $25,000 6666.33
0.50% 2.70x $25,000 6956.62
Premier One
Restrictions
0.50% 2.70x $10,000 6962.60
Patelco
Restrictions
0.50% 2.70x $10,001 6988.63
Tulare County
Restrictions
0.45% 2.43x $2,500 6802.29
Desert Valleys
Restrictions
0.45% 2.43x $2,500 6705.23
Geico
Restrictions
0.45% 2.43x $25,000 6606.80
Bay
Restrictions
0.45% 2.43x $25,000 0.00
Unify Financial
Restrictions
0.45% 2.43x $2,500 6697.05
0.45% 2.43x $10,000 6961.76
0.45% 2.43x $10,000 6700.47
Pacific Service
Restrictions
0.45% 2.43x $2,500 6979.30
Media City
Restrictions
0.45% 2.43x $10,000 6700.68
Provident
Restrictions
0.41% 2.22x $10,000 6989.23
Energy One
Restrictions
0.40% 2.16x $25,000 6769.26
Lassen County
Restrictions
0.40% 2.16x $10,000 6976.96
Gain
Restrictions
0.40% 2.16x $10,000 6701.24
Ume
Restrictions
0.40% 2.16x $10,000 6701.73
Sandia Laboratory
Restrictions
0.40% 2.16x $25,000 6959.25
Geico
Restrictions
0.40% 2.16x $5,000 6606.80
Partners 1st
Restrictions
0.40% 2.16x $25,000 6961.81
Kings
Restrictions
0.40% 2.16x $10,000 6821.05
Bay
Restrictions
0.40% 2.16x $10,000 0.00
Partners
Restrictions
0.40% 2.16x $2,500 6670.24
0.40% 2.16x $1,000 6961.76
Redwood
Restrictions
0.40% 2.16x $10,000 7024.47
The Golden 1
Restrictions
0.40% 2.16x $10,000 6962.73
Sacramento
Restrictions
0.40% 2.16x $2,500 6969.34
San Mateo
Restrictions
0.40% 2.16x $1 6976.96
0.40% 2.16x $2,500 6961.41
0.40% 2.16x $2,500 6701.10
0.40% 2.16x $25,000 6959.85
Travis
Restrictions
0.40% 2.16x $1 6983.33
Lbs Financial
Restrictions
0.40% 2.16x $25,000 6685.96
0.40% 2.16x $10,000 6964.41
Menlo Survey
Restrictions
0.35% 1.90x $3,000 6973.21
Pasadena
Restrictions
0.35% 1.89x $10,000 6691.29
0.35% 1.89x $5 6885.96
Los Angeles
Restrictions
0.35% 1.89x $25,000 6696.55
Gain
Restrictions
0.35% 1.89x $2,500 6701.24
Sandia Laboratory
Restrictions
0.35% 1.89x $10,000 6959.25
0.35% 1.89x $10,000 6698.95
Chabot
Restrictions
0.35% 1.89x $2,500 6968.14
Schoolsfirst
Restrictions
0.35% 1.89x $10,000 6668.55
0.35% 1.89x $2,500 6949.07
Technology
Restrictions
0.35% 1.89x $25,000 6957.25
0.35% 1.89x $10,000 6959.85
Schools Financial
Restrictions
0.35% 1.89x $10,000 6963.95
0.35% 1.89x $2,500 6956.62
Ventura County
Restrictions
0.35% 1.89x $25,000 6747.24
American First
Restrictions
0.35% 1.89x $10,000 6675.88
Silverado
Restrictions
0.35% 1.89x $25,000 7015.94
Wings Financial
Restrictions
0.35% 1.89x $5,000 6698.20
Chaffey
Restrictions
0.30% 1.62x $10,000 6663.55
Justice
Restrictions
0.30% 1.62x $25,000 6704.38
Los Angeles
Restrictions
0.30% 1.62x $10,000 6696.55
La Financial
Restrictions
0.30% 1.62x $10,000 6693.11
Sandia Laboratory
Restrictions
0.30% 1.62x $2,500 6959.25
Partners 1st
Restrictions
0.30% 1.62x $5,000 6961.81
Thinkwise
Restrictions
0.30% 1.62x $10,000 6648.64
Sun Community
Restrictions
0.30% 1.62x $25,000 6530.70
Kings
Restrictions
0.30% 1.62x $2,500 6821.05
Redwood
Restrictions
0.30% 1.62x $2,500 7024.47
0.30% 1.62x $25,000 6965.99
Alta Vista
Restrictions
0.30% 1.62x $20,000 6642.99
Merco
Restrictions
0.30% 1.62x $20,000 6886.30
Eagle Community
Restrictions
0.30% 1.62x $25,000 6671.20
First Imperial
Restrictions
0.30% 1.62x $25,001 6534.32
Technology
Restrictions
0.30% 1.62x $2,500 6957.25
Cabrillo
Restrictions
0.30% 1.62x $25,000 6608.37
Southland
Restrictions
0.30% 1.62x $10,000 6679.64
Premier America
Restrictions
0.30% 1.62x $5 6714.65
Lbs Financial
Restrictions
0.30% 1.62x $2,500 6685.96
0.30% 1.62x $2,500 6964.41
American First
Restrictions
0.30% 1.62x $2,500 6675.88
First City
Restrictions
0.30% 1.62x $25,000 6694.48
South Bay
Restrictions
0.30% 1.62x $10,000 6696.02
Energy One
Restrictions
0.25% 1.35x $2,500 6769.26
0.25% 1.35x $5 6704.82
Justice
Restrictions
0.25% 1.35x $2,500 6704.38
Nuvision
Restrictions
0.25% 1.35x $25,000 6684.66
Pasadena
Restrictions
0.25% 1.35x $2,500 6691.29
Star Usa
Restrictions
0.25% 1.35x $50,000 -
Los Angeles
Restrictions
0.25% 1.35x $2,500 6696.55
Logix
Restrictions
0.25% 1.35x $2,500 6702.65
Ume
Restrictions
0.25% 1.35x $1,500 6701.73
Kinecta
Restrictions
0.25% 1.35x $2,500 6697.66
Alaska Usa
Restrictions
0.25% 1.35x $25,000 6657.97
Thinkwise
Restrictions
0.25% 1.35x $2,500 6648.64
Kings
Restrictions
0.25% 1.35x $1,000 6821.05
0.25% 1.35x $2,500 6698.95
Bay
Restrictions
0.25% 1.35x $2,500 0.00
Mission
Restrictions
0.25% 1.35x $25,000 6614.06
Xceed Financial
Restrictions
0.25% 1.35x $1 6698.18
First California
Restrictions
0.25% 1.35x $250 6838.23
Schoolsfirst
Restrictions
0.25% 1.35x $2,000 6668.55
0.25% 1.35x $2,500 6958.12
Self-help
Restrictions
0.25% 1.35x $100 6920.66
Arrowhead Central
Restrictions
0.25% 1.35x $25,000 6666.11
The Golden 1
Restrictions
0.25% 1.35x $1 6962.73
0.25% 1.35x $1,000 6965.99
Uncle
Restrictions
0.25% 1.35x $25,000 6959.96
Premier Community
Restrictions
0.25% 1.35x $25,000 6947.40
Wescom Central
Restrictions
0.25% 1.35x $25,000 6667.08
Eagle Community
Restrictions
0.25% 1.35x $10,000 6671.20
Technology
Restrictions
0.25% 1.35x $2,500 6957.25
0.25% 1.35x $1 6959.85
Schools Financial
Restrictions
0.25% 1.35x $2,000 6963.95
Cabrillo
Restrictions
0.25% 1.35x $10,000 6608.37
Excite
Restrictions
0.25% 1.35x $2,500 6954.23
0.25% 1.35x $25,000 6664.86
Silverado
Restrictions
0.25% 1.35x $1,000 7015.94
First City
Restrictions
0.25% 1.35x $10,000 6694.48
Media City
Restrictions
0.25% 1.35x $2,500 6700.68
South Bay
Restrictions
0.25% 1.35x $250 6696.02
0.25% 1.35x $25,000 6679.57
Point Loma
Restrictions
0.21% 1.14x $25,000 6609.28
Nuvision
Restrictions
0.20% 1.08x $10,000 6684.66
Pacific Crest
Restrictions
0.20% 1.08x $25,000 7082.54
Tucoemas
Restrictions
0.20% 1.08x $2,500 6805.32
Sandia Laboratory
Restrictions
0.20% 1.08x $100 6959.25
Alaska Usa
Restrictions
0.20% 1.08x $10,000 6657.97
Partners 1st
Restrictions
0.20% 1.08x $2,500 6961.81
Certified
Restrictions
0.20% 1.08x $10,000 6608.20
Sun Community
Restrictions
0.20% 1.08x $2,500 6530.70
0.20% 1.08x $25,000 6600.50
Stanford
Restrictions
0.20% 1.08x $2,500 6970.33
Mission
Restrictions
0.20% 1.08x $1 6614.06
Central State
Restrictions
0.20% 1.08x $25,000 6943.18
California
Restrictions
0.20% 1.08x $10,000 6697.24
Safe 1
Restrictions
0.20% 1.08x $25,000 6768.12
The Golden 1
Restrictions
0.20% 1.08x $100 6962.73
0.20% 1.08x $100 6710.06
Uncle
Restrictions
0.20% 1.08x $10,000 6959.96
Alta Vista
Restrictions
0.20% 1.08x $20,000 6642.99
Keypoint
Restrictions
0.20% 1.08x $1 6784.14
California Coast
Restrictions
0.20% 1.08x $25,000 6609.43
Wescom Central
Restrictions
0.20% 1.08x $10,000 6667.08
Eagle Community
Restrictions
0.20% 1.08x $2,500 6671.20
Baxter
Restrictions
0.20% 1.08x $25,000 6697.62
First Imperial
Restrictions
0.20% 1.08x $10,001 6534.32
Safe
Restrictions
0.20% 1.08x $25,000 6966.37
Cabrillo
Restrictions
0.20% 1.08x $2,500 6608.37
Southland
Restrictions
0.20% 1.08x $2,500 6679.64
0.20% 1.08x $1,000 6956.62
Ventura County
Restrictions
0.20% 1.08x $10,000 6747.24
First City
Restrictions
0.20% 1.08x $1,000 6694.48
0.20% 1.08x $10,000 6679.57
0.19% 1.03x $10,000 6820.16
Rancho
Restrictions
0.18% 0.97x $2,500 6686.84
Provident
Restrictions
0.16% 0.86x $2,500 6989.23
Energy One
Restrictions
0.15% 0.81x $100 6769.26
Lassen County
Restrictions
0.15% 0.81x $25 6976.96
Star Usa
Restrictions
0.15% 0.81x $2,500 -
Pacific Crest
Restrictions
0.15% 0.81x $10,000 7082.54
Los Angeles
Restrictions
0.15% 0.81x $1,000 6696.55
La Financial
Restrictions
0.15% 0.81x $1 6693.11
Kern Schools
Restrictions
0.15% 0.81x $10,000 6768.98
Altaone
Restrictions
0.15% 0.81x $25,000 6704.47
Tucoemas
Restrictions
0.15% 0.81x $250 6805.32
Strata
Restrictions
0.15% 0.81x $10,000 6765.16
Certified
Restrictions
0.15% 0.81x $1 6608.20
Clearpath
Restrictions
0.15% 0.81x $2,500 6697.47
0.15% 0.81x $10,000 6600.50
Menlo Survey
Restrictions
0.15% 0.81x $5 6973.21
Smw 104
Restrictions
0.15% 0.81x $25,000 6979.72
0.15% 0.81x $25 6607.67
Noble
Restrictions
0.15% 0.81x $10,000 6841.85
Central State
Restrictions
0.15% 0.81x $10,000 6943.18
United Local
Restrictions
0.15% 0.81x $10,000 6837.72
Arrowhead Central
Restrictions
0.15% 0.81x $1 6666.11
California
Restrictions
0.15% 0.81x $2,500 6697.24
0.15% 0.81x $25,000 6614.32
Safe 1
Restrictions
0.15% 0.81x $10,000 6768.12
Altura
Restrictions
0.15% 0.81x $10,000 6643.54
0.15% 0.81x $25,000 6939.57
Premier Community
Restrictions
0.15% 0.81x $10,000 6947.40
Alta Vista
Restrictions
0.15% 0.81x $2,000 6642.99
0.15% 0.81x $100 6700.47
Wescom Central
Restrictions
0.15% 0.81x $2,500 6667.08
0.15% 0.81x $25 6839.10
Sierra Central
Restrictions
0.15% 0.81x $1 6978.68
Safe
Restrictions
0.15% 0.81x $10,000 6966.37
Point Loma
Restrictions
0.15% 0.81x $10,000 6609.28
Orange County's
Restrictions
0.15% 0.81x $2,500 6666.33
0.15% 0.81x $2,500 6664.86
Lbs Financial
Restrictions
0.15% 0.81x $100 6685.96
American First
Restrictions
0.15% 0.81x $500 6675.88
Frontwave
Restrictions
0.15% 0.81x $2,500 6627.97
Premier One
Restrictions
0.15% 0.81x $1,500 6962.60
Wings Financial
Restrictions
0.15% 0.81x $5 6698.20
0.15% 0.81x $100 6985.69
0.15% 0.81x $2,500 6679.57
Uncle
Restrictions
0.13% 0.70x $2,500 6959.96
Sce
Restrictions
0.12% 0.65x $250 6682.48
Smw 104
Restrictions
0.12% 0.65x $10,000 6979.72
Tulare County
Restrictions
0.10% 0.54x $25 6802.29
Chaffey
Restrictions
0.10% 0.54x $5 6663.55
Justice
Restrictions
0.10% 0.54x $2,500 6704.38
Nuvision
Restrictions
0.10% 0.54x $5 6684.66
Star Usa
Restrictions
0.10% 0.54x $10 -
Pacific Crest
Restrictions
0.10% 0.54x $1,000 7082.54
Gain
Restrictions
0.10% 0.54x $100 6701.24
Ume
Restrictions
0.10% 0.54x $100 6701.73
Sesloc
Restrictions
0.10% 0.54x $2,500 6842.41
Desert Valleys
Restrictions
0.10% 0.54x $5 6705.23
Altaone
Restrictions
0.10% 0.54x $1,000 6704.47
Strata
Restrictions
0.10% 0.54x $2,500 6765.16
0.10% 0.54x $1 6776.90
Geico
Restrictions
0.10% 0.54x $300 6606.80
Thinkwise
Restrictions
0.10% 0.54x $2,501 6648.64
American United
Restrictions
0.10% 0.54x $50 6619.31
Ukrainian
Restrictions
0.10% 0.54x $50 6961.92
Certified
Restrictions
0.10% 0.54x $1 6608.20
Yolo
Restrictions
0.10% 0.54x $10,000 6986.61
0.10% 0.54x $5 6600.50
Bay
Restrictions
0.10% 0.54x $2,500 0.00
Mokelumne
Restrictions
0.10% 0.54x $100 6948.04
Mission
Restrictions
0.10% 0.54x $1 6614.06
Central Coast
Restrictions
0.10% 0.54x $25,000 6934.70
Edwards
Restrictions
0.10% 0.54x $2,500 6698.32
Smw 104
Restrictions
0.10% 0.54x $2,500 6979.72
Unify Financial
Restrictions
0.10% 0.54x $5 6697.05
Partners
Restrictions
0.10% 0.54x $1 6670.24
First Technology
Restrictions
0.10% 0.54x $1 6962.45
Schoolsfirst
Restrictions
0.10% 0.54x $5 6668.55
0.10% 0.54x $100 6961.76
Noble
Restrictions
0.10% 0.54x $250 6841.85
Central State
Restrictions
0.10% 0.54x $500 6943.18
United Local
Restrictions
0.10% 0.54x $2,500 6837.72
Arrowhead Central
Restrictions
0.10% 0.54x $2,000 6666.11
Redwood
Restrictions
0.10% 0.54x $2,500 7024.47
0.10% 0.54x $1 6614.32
San Diego County
Restrictions
0.10% 0.54x $10,000 6613.67
Safe 1
Restrictions
0.10% 0.54x $50 6768.12
Sacramento
Restrictions
0.10% 0.54x $1,000 6969.34
Altura
Restrictions
0.10% 0.54x $1 6643.54
0.10% 0.54x $10,000 6939.57
Premier Community
Restrictions
0.10% 0.54x $1,000 6947.40
Alta Vista
Restrictions
0.10% 0.54x $25 6642.99
Merco
Restrictions
0.10% 0.54x $1 6886.30
0.10% 0.54x $10,000 6928.02
California Coast
Restrictions
0.10% 0.54x $2,500 6609.43
Wescom Central
Restrictions
0.10% 0.54x $1 6667.08
Eagle Community
Restrictions
0.10% 0.54x $100 6671.20
Baxter
Restrictions
0.10% 0.54x $1 6697.62
First Imperial
Restrictions
0.10% 0.54x $1,000 6534.32
Safe
Restrictions
0.10% 0.54x $5 6966.37
0.10% 0.54x $5 6701.10
Valley First
Restrictions
0.10% 0.54x $2,500 6921.30
Pacific Service
Restrictions
0.10% 0.54x $2,500 6979.30
Southland
Restrictions
0.10% 0.54x $25 6679.64
Orange County's
Restrictions
0.10% 0.54x $100 6666.33
Travis
Restrictions
0.10% 0.54x $100 6983.33
Excite
Restrictions
0.10% 0.54x $100 6954.23
0.10% 0.54x $500 6664.86
Silverado
Restrictions
0.10% 0.54x $1,000 7015.94
Frontwave
Restrictions
0.10% 0.54x $5 6627.97
First City
Restrictions
0.10% 0.54x $100 6694.48
Premier One
Restrictions
0.10% 0.54x $50 6962.60
0.10% 0.54x $1 6995.27
Coasthills
Restrictions
0.10% 0.54x $5,000 6818.69
Rancho
Restrictions
0.08% 0.43x $1,000 6686.84
Point Loma
Restrictions
0.08% 0.43x $1,000 6609.28
0.08% 0.43x $200 6959.85
0.07% 0.38x $25 6656.95
0.07% 0.38x $2,500 7110.71
Valley First
Restrictions
0.07% 0.38x $1,000 6921.30
0.07% 0.38x $100 6964.41
Mocse
Restrictions
0.06% 0.32x $25,000 6920.48
Pasadena
Restrictions
0.05% 0.27x $1 6691.29
Star Usa
Restrictions
0.05% 0.27x $5 -
La Financial
Restrictions
0.05% 0.27x $500 6693.11
Kern Schools
Restrictions
0.05% 0.27x $1,000 6768.98
Kinecta
Restrictions
0.05% 0.27x $5 6697.66
Strata
Restrictions
0.05% 0.27x $2,500 6765.16
Partners 1st
Restrictions
0.05% 0.27x $500 6961.81
Sun Community
Restrictions
0.05% 0.27x $50 6530.70
Mokelumne
Restrictions
0.05% 0.27x $500 6948.04
Central Coast
Restrictions
0.05% 0.27x $10,000 6934.70
Edwards
Restrictions
0.05% 0.27x $25 6698.32
Smw 104
Restrictions
0.05% 0.27x $250 6979.72
Xceed Financial
Restrictions
0.05% 0.27x $100 6698.18
United Local
Restrictions
0.05% 0.27x $2,000 6837.72
California
Restrictions
0.05% 0.27x $100 6697.24
San Diego County
Restrictions
0.05% 0.27x $100 6613.67
0.05% 0.27x $10 6949.07
San Mateo
Restrictions
0.05% 0.27x $50 6976.96
0.05% 0.27x $100 6965.99
0.05% 0.27x $2,500 6939.57
Uncle
Restrictions
0.05% 0.27x $100 6959.96
0.05% 0.27x $100 6928.02
California Coast
Restrictions
0.05% 0.27x $50 6609.43
Baxter
Restrictions
0.05% 0.27x $5 6697.62
0.05% 0.27x $5 6961.41
First Imperial
Restrictions
0.05% 0.27x $5 6534.32
Cabrillo
Restrictions
0.05% 0.27x $1 6608.37
Ventura County
Restrictions
0.05% 0.27x $25 6747.24
Media City
Restrictions
0.05% 0.27x $500 6700.68
Patelco
Restrictions
0.05% 0.27x $1 6988.63
South Bay
Restrictions
0.05% 0.27x $2,500 6696.02
Monterey
Restrictions
0.05% 0.27x $2,500 6935.30
Coasthills
Restrictions
0.05% 0.27x $5 6818.69
Clearpath
Restrictions
0.04% 0.22x $1 6697.47
0.04% 0.22x $25 7110.71
0.04% 0.22x $100 6939.57
Mocse
Restrictions
0.04% 0.19x $10,000 6920.48
0.03% 0.16x $500 6820.16
Yolo
Restrictions
0.03% 0.16x $100 6986.61
Central Coast
Restrictions
0.03% 0.16x $2,500 6934.70
0.03% 0.16x $25 6958.12
Provident
Restrictions
0.03% 0.16x $5 6989.23
Point Loma
Restrictions
0.03% 0.16x $2,500 6609.28
Monterey
Restrictions
0.03% 0.16x $250 6935.30
Mocse
Restrictions
0.03% 0.14x $2,500 6920.48
0.03% 0.14x $100 6679.57
Pacific Crest
Restrictions
0.02% 0.11x $5 7082.54
Central Coast
Restrictions
0.02% 0.11x $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 2020

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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