California Credit Union Savings Rates 2022

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.

CA - December 6, 2022

Savings Account National Average Rate: 0.10% ^?

Credit Unions	APY	MIN
Connexus Restrictions	3.01%	$20,000	Learn More Reviews (6)
Wheat State Restrictions	1.00%	$5,000	Learn More Reviews
Patelco Restrictions	1.00%	$2,500	Learn More Reviews (1)
Noble Restrictions	1.00%	$2,500	Learn More Reviews
Star One Restrictions	1.00%	$2,500	Learn More Reviews (1)
Meriwest Restrictions	0.90%	$10,000	Learn More Reviews
Long Beach Firemen S Restrictions	0.80%	$2,500	Learn More Reviews
Capstone	0.80%	$25,000	Learn More Reviews
F & A Restrictions	0.75%	$2,500	Learn More Reviews
Navy Federal Credit Union Restrictions	0.70%	$10,000	Learn More Reviews (17)
Capstone	0.70%	$2,500	Learn More Reviews
Schoolsfirst Restrictions	0.70%	$2,000	Learn More Reviews
Logix Restrictions	0.70%	$25,000	Learn More Reviews
Meriwest Restrictions	0.65%	$10,000	Learn More Reviews
Firefighters First Restrictions	0.60%	$2,500	Learn More Reviews
Ukrainian Restrictions	0.60%	$25,000	Learn More Reviews
Logix Restrictions	0.60%	$10,000	Learn More Reviews
Farmers Insurance Group Restrictions	0.60%	$25,000	Learn More Reviews
Chevron Restrictions	0.60%	$2,500	Learn More Reviews
Honda Restrictions	0.60%	$25,000	Learn More Reviews
Community First Restrictions	0.55%	$50,000	Learn More Reviews
Altura Restrictions	0.55%	$10,000	Learn More Reviews
Sce Restrictions	0.55%	$25,000	Learn More Reviews
1st Northern California Restrictions	0.55%	$25,000	Learn More Reviews
Redwood Restrictions	0.55%	$25,000	Learn More Reviews
Provident Restrictions	0.51%	$25,000	Learn More Reviews
Wheat State Restrictions	0.50%	$500	Learn More Reviews
1st Northern California Restrictions	0.50%	$2,500	Learn More Reviews
Sun Community Restrictions	0.50%	$25,000	Learn More Reviews
Redwood Restrictions	0.50%	$10,000	Learn More Reviews
Sri Restrictions	0.50%	$2,500	Learn More Reviews
Ukrainian Restrictions	0.50%	$2,500	Learn More Reviews
Stanford Restrictions	0.50%	$10,000	Learn More Reviews
Farmers Insurance Group Restrictions	0.50%	$10,000	Learn More Reviews
American Airlines Restrictions	0.50%	$0	Learn More Reviews (1)
Chabot Restrictions	0.50%	$10,000	Learn More Reviews
F & A Restrictions	0.50%	$2,500	Learn More Reviews
Meriwest Restrictions	0.50%	$10,000	Learn More Reviews
Honda Restrictions	0.50%	$10,000	Learn More Reviews
Premier America Restrictions	0.49%	$100,000	Learn More Reviews
Wheat State Restrictions	0.40%	$50,000	Learn More Reviews
Universal City Studios Restrictions	0.40%	$10,000	Learn More Reviews
First Technology Restrictions	0.40%	$100,000	Learn More Reviews
Farmers Insurance Group Restrictions	0.40%	$2,500	Learn More Reviews
Pacific Service Restrictions	0.40%	$25,000	Learn More Reviews
Usc Restrictions	0.40%	$10,000	Learn More Reviews
Sacramento Restrictions	0.40%	$25,000	Learn More Reviews
Premier America Restrictions	0.40%	$2,500	Learn More Reviews
Trugrocer Restrictions	0.40%	$25,000	Learn More Reviews
Golden 1 Credit Union Restrictions	0.40%	$50,000	Learn More Reviews
Logix Restrictions	0.40%	$2,500	Learn More Reviews
Sandia Laboratory Restrictions	0.40%	$25,000	Learn More Reviews
Chevron Restrictions	0.40%	$2,500	Learn More Reviews
Safe Restrictions	0.39%	$2,500	Learn More Reviews
Sandia Laboratory Restrictions	0.35%	$10,000	Learn More Reviews
Patelco Restrictions	0.35%	$10,000	Learn More Reviews (1)
Honda Restrictions	0.35%	$2,500	Learn More Reviews
First Entertainment Restrictions	0.35%	$25,000	Learn More Reviews
Sce Restrictions	0.35%	$2,500	Learn More Reviews
Noble Restrictions	0.35%	$10,000	Learn More Reviews
United Methodist Restrictions	0.35%	$10,000	Learn More Reviews
Credit Union Of Southern California Restrictions	0.35%	$15,000	Learn More Reviews
Chabot Restrictions	0.35%	$2,500	Learn More Reviews
Provident Restrictions	0.31%	$10,000	Learn More Reviews
Safe Restrictions	0.30%	$10,000	Learn More Reviews
Sandia Laboratory Restrictions	0.30%	$2,500	Learn More Reviews
Smw 104 Restrictions	0.30%	$25,000	Learn More Reviews
San Mateo Restrictions	0.30%	$2,500	Learn More Reviews (1)
Gain Restrictions	0.30%	$10,000	Learn More Reviews
Menlo Survey Restrictions	0.30%	$10,000	Learn More Reviews
Universal City Studios Restrictions	0.30%	$2,500	Learn More Reviews
La Financial Restrictions	0.30%	$10,000	Learn More Reviews
Sun Community Restrictions	0.30%	$10,000	Learn More Reviews
Chevron Restrictions	0.30%	$0	Learn More Reviews
Thinkwise Restrictions	0.30%	$10,000	Learn More Reviews
Premier One Restrictions	0.30%	$10,000	Learn More Reviews
Technology Restrictions	0.30%	$25,000	Learn More Reviews
Partners Restrictions	0.30%	$25,000	Learn More Reviews
Pacific Service Restrictions	0.30%	$2,500	Learn More Reviews
Together Restrictions	0.30%	$25,000	Learn More Reviews
Sacramento Restrictions	0.30%	$10,000	Learn More Reviews
First Entertainment Restrictions	0.30%	$10,000	Learn More Reviews
Farmers Insurance Group Restrictions	0.30%	$2,500	Learn More Reviews
Credit Union Of Southern California Restrictions	0.30%	$2,500	Learn More Reviews
Chaffey Restrictions	0.30%	$10,000	Learn More Reviews
Premier America Restrictions	0.30%	$2,500	Learn More Reviews
First Imperial Restrictions	0.30%	$25,000	Learn More Reviews
Operating Engineers Local Union #3 Restrictions	0.30%	$10,000	Learn More Reviews
Energy One Restrictions	0.30%	$25,000	Learn More Reviews
First City Restrictions	0.30%	$25,000	Learn More Reviews
Alta Vista Restrictions	0.30%	$25,000	Learn More Reviews
Lbs Financial Restrictions	0.30%	$25,000	Learn More Reviews
Eagle Community Restrictions	0.30%	$25,000	Learn More Reviews
Golden 1 Credit Union Restrictions	0.30%	$10,000	Learn More Reviews
Sierra Central Restrictions	0.30%	$25,000	Learn More Reviews
Smw 104 Restrictions	0.28%	$10,000	Learn More Reviews
Self-help Restrictions	0.27%	$2,500	Learn More Reviews (1)
Star Usa Restrictions	0.25%	$50,000	Learn More Reviews (1)
Community First Restrictions	0.25%	$100	Learn More Reviews
Smw 104 Restrictions	0.25%	$2,500	Learn More Reviews
Media City Restrictions	0.25%	$10,000	Learn More Reviews
Gain Restrictions	0.25%	$2,500	Learn More Reviews
Stanford Restrictions	0.25%	$2,500	Learn More Reviews
Firefighters First Restrictions	0.25%	$2,500	Learn More Reviews
Pasadena Restrictions	0.25%	$10,000	Learn More Reviews
Scient Restrictions	0.25%	$25,000	Learn More Reviews
Merco Restrictions	0.25%	$25,000	Learn More Reviews
Cabrillo Restrictions	0.25%	$25,000	Learn More Reviews
Self-help Restrictions	0.25%	$2,500	Learn More Reviews (1)
United Methodist Restrictions	0.25%	$2,500	Learn More Reviews
Thinkwise Restrictions	0.25%	$2,500	Learn More Reviews
Commonwealth Central Restrictions	0.25%	$2,500	Learn More Reviews
Kings Restrictions	0.25%	$10,000	Learn More Reviews
Keypoint Restrictions	0.25%	$10,000	Learn More Reviews (1)
Technology Restrictions	0.25%	$2,500	Learn More Reviews
Sri Restrictions	0.25%	$25,000	Learn More Reviews
Operating Engineers Local Union #3 Restrictions	0.25%	$2,500	Learn More Reviews
First Entertainment Restrictions	0.25%	$2,500	Learn More Reviews
First U.s. Community Restrictions	0.25%	$25,000	Learn More Reviews
Redwood Restrictions	0.25%	$10,000	Learn More Reviews
Arrowhead Central Restrictions	0.25%	$25,000	Learn More Reviews
Xceed Financial Restrictions	0.25%	$10,000	Learn More Reviews
Together Restrictions	0.25%	$2,500	Learn More Reviews
Ventura County Restrictions	0.25%	$25,000	Learn More Reviews (2)
San Diego Firefighters Restrictions	0.25%	$25,000	Learn More Reviews
Kinecta Restrictions	0.25%	$10,000	Learn More Reviews (2)
Logix Restrictions	0.25%	$2,500	Learn More Reviews
Eagle Community Restrictions	0.25%	$10,000	Learn More Reviews
Financial Center	0.25%	$2,500	Learn More Reviews (1)
Silverado Restrictions	0.25%	$25,000	Learn More Reviews
First City Restrictions	0.25%	$10,000	Learn More Reviews
Navy Federal Credit Union Restrictions	0.25%	$5	Learn More Reviews (17)
Edu Restrictions	0.20%	$0	Learn More Reviews
Media City Restrictions	0.20%	$2,500	Learn More Reviews
Ume Restrictions	0.20%	$10,000	Learn More Reviews
Energy One Restrictions	0.20%	$2,500	Learn More Reviews
Redwood Restrictions	0.20%	$2,500	Learn More Reviews
Corporate America Family Restrictions	0.20%	$25,000	Learn More Reviews
Sce Restrictions	0.20%	$2,500	Learn More Reviews
Trugrocer Restrictions	0.20%	$2,500	Learn More Reviews
Ventura County Restrictions	0.20%	$10,000	Learn More Reviews (2)
Desert Valleys Restrictions	0.20%	$25,000	Learn More Reviews
Safe 1 Restrictions	0.20%	$25,000	Learn More Reviews
Citizens Equity First Restrictions	0.20%	$25,000	Learn More Reviews
First Imperial Restrictions	0.20%	$10,000	Learn More Reviews
Technology Restrictions	0.20%	$2,500	Learn More Reviews
Partners Restrictions	0.20%	$2,500	Learn More Reviews
Lassen County Restrictions	0.20%	$10,000	Learn More Reviews
Meriwest Restrictions	0.20%	$2,500	Learn More Reviews
Sacramento Restrictions	0.20%	$2,500	Learn More Reviews
California Restrictions	0.20%	$10,000	Learn More Reviews
South Bay Restrictions	0.20%	$10,000	Learn More Reviews
Sun Community Restrictions	0.20%	$2,500	Learn More Reviews
Lbs Financial Restrictions	0.20%	$2,500	Learn More Reviews
Xceed Financial Restrictions	0.20%	$2,500	Learn More Reviews
Unify Financial Restrictions	0.20%	$10,000	Learn More Reviews (1)
Los Angeles Restrictions	0.20%	$25,000	Learn More Reviews
First U.s. Community Restrictions	0.20%	$10,000	Learn More Reviews
Nuvision Restrictions	0.20%	$25,000	Learn More Reviews
First City Restrictions	0.20%	$2,500	Learn More Reviews
Alta Vista Restrictions	0.20%	$25,000	Learn More Reviews
Silverado Restrictions	0.20%	$10,000	Learn More Reviews
San Diego Firefighters Restrictions	0.20%	$10,000	Learn More Reviews
Eagle Community Restrictions	0.20%	$2,500	Learn More Reviews
Partners 1st Restrictions	0.20%	$10,000	Learn More Reviews
Justice Restrictions	0.20%	$25,000	Learn More Reviews
Provident Restrictions	0.16%	$2,500	Learn More Reviews
Star Usa Restrictions	0.15%	$2,500	Learn More Reviews (1)
Ume Restrictions	0.15%	$2,500	Learn More Reviews
California Agribusiness Restrictions	0.15%	$2,500	Learn More Reviews
Pasadena Restrictions	0.15%	$2,500	Learn More Reviews
Pentagon Restrictions	0.15%	$100,000	Learn More Reviews (12)
Sandia Laboratory Restrictions	0.15%	$2,500	Learn More Reviews
Corporate America Family Restrictions	0.15%	$10,000	Learn More Reviews
American United Restrictions	0.15%	$2,500	Learn More Reviews
Mypoint Restrictions	0.15%	$25,000	Learn More Reviews
Safe 1 Restrictions	0.15%	$10,000	Learn More Reviews
Honda Restrictions	0.15%	$2,500	Learn More Reviews
1st United Services Restrictions	0.15%	$25,000	Learn More Reviews
Orange County's Restrictions	0.15%	$25,000	Learn More Reviews
Educational Employees Restrictions	0.15%	$2,500	Learn More Reviews
Alta Vista Restrictions	0.15%	$2,500	Learn More Reviews
Justice Restrictions	0.15%	$2,500	Learn More Reviews
Frontwave Restrictions	0.15%	$2,500	Learn More Reviews
Certified Restrictions	0.15%	$10,000	Learn More Reviews
Alaska Usa Restrictions	0.15%	$10,000	Learn More Reviews
Desert Valleys Restrictions	0.15%	$10,000	Learn More Reviews
Strata Restrictions	0.15%	$10,000	Learn More Reviews
Clearpath Restrictions	0.15%	$2,500	Learn More Reviews
First California Restrictions	0.15%	$2,500	Learn More Reviews
Tucoemas Restrictions	0.15%	$2,500	Learn More Reviews
Central Valley Firefighters Restrictions	0.15%	$2,500	Learn More Reviews (1)
Bay Restrictions	0.15%	$25,000	Learn More Reviews
Mission Restrictions	0.15%	$25,000	Learn More Reviews
Sri Restrictions	0.15%	$2,500	Learn More Reviews
1st Northern California Restrictions	0.15%	$2,500	Learn More Reviews
Heritage Community Restrictions	0.15%	$25,000	Learn More Reviews
Travis Restrictions	0.15%	$10,000	Learn More Reviews
University & State Employees Restrictions	0.15%	$25,000	Learn More Reviews
Santa Cruz Community Restrictions	0.15%	$25,000	Learn More Reviews
Universal City Studios Restrictions	0.15%	$2,500	Learn More Reviews
Citizens Equity First Restrictions	0.15%	$2,500	Learn More Reviews
Arrowhead Central Restrictions	0.15%	$1	Learn More Reviews
United Local Restrictions	0.15%	$10,000	Learn More Reviews
Usc Restrictions	0.15%	$2,500	Learn More Reviews
Unify Financial Restrictions	0.15%	$2,500	Learn More Reviews (1)
Airco	0.15%	$2,500	Learn More Reviews
Altaone Restrictions	0.15%	$25,000	Learn More Reviews
Los Angeles Restrictions	0.15%	$2,500	Learn More Reviews
The First Financial	0.15%	$25,000	Learn More Reviews
La Financial Restrictions	0.15%	$2,500	Learn More Reviews
Nuvision Restrictions	0.15%	$10,000	Learn More Reviews
Altura Restrictions	0.15%	$10,000	Learn More Reviews
Cabrillo Restrictions	0.15%	$2,500	Learn More Reviews
Energy One Restrictions	0.15%	$2,500	Learn More Reviews
San Diego Firefighters Restrictions	0.15%	$2,500	Learn More Reviews
Silverado Restrictions	0.15%	$1,000	Learn More Reviews
Lassen County Restrictions	0.15%	$2,500	Learn More Reviews
Kings Restrictions	0.15%	$2,500	Learn More Reviews
California Restrictions	0.15%	$2,500	Learn More Reviews
South Bay Restrictions	0.15%	$2,500	Learn More Reviews
Smw 104 Restrictions	0.13%	$2,500	Learn More Reviews
Rancho Restrictions	0.12%	$2,500	Learn More Reviews
Cooperative Center Restrictions	0.11%	$10,000	Learn More Reviews
Star Usa Restrictions	0.10%	$10	Learn More Reviews (1)
Community First Restrictions	0.10%	$100	Learn More Reviews
Thinkwise Restrictions	0.10%	$2,500	Learn More Reviews
1st United Services Restrictions	0.10%	$2,500	Learn More Reviews
Partners Restrictions	0.10%	$2,500	Learn More Reviews
El Monte Community Restrictions	0.10%	$2,500	Learn More Reviews
Excite Restrictions	0.10%	$2,500	Learn More Reviews
Menlo Survey Restrictions	0.10%	$2,500	Learn More Reviews
Noble Restrictions	0.10%	$2,500	Learn More Reviews
Scient Restrictions	0.10%	$2,500	Learn More Reviews
Altura Restrictions	0.10%	$2,500	Learn More Reviews
Geico Restrictions	0.10%	$25,000	Learn More Reviews
Merco Restrictions	0.10%	$2,500	Learn More Reviews
Tucoemas Restrictions	0.10%	$2,500	Learn More Reviews
Southland Restrictions	0.10%	$10,000	Learn More Reviews
Partners 1st Restrictions	0.10%	$2,500	Learn More Reviews
Mypoint Restrictions	0.10%	$10,000	Learn More Reviews
American United Restrictions	0.10%	$2,500	Learn More Reviews
Heritage Community Restrictions	0.10%	$10,000	Learn More Reviews
First City Restrictions	0.10%	$2,500	Learn More Reviews
American First Restrictions	0.10%	$2,500	Learn More Reviews
Orange County's Restrictions	0.10%	$2,500	Learn More Reviews
Ukrainian Restrictions	0.10%	$2,500	Learn More Reviews
Santa Barbara County	0.10%	$2,500	Learn More Reviews
Keypoint Restrictions	0.10%	$2,500	Learn More Reviews (1)
Safe 1 Restrictions	0.10%	$2,500	Learn More Reviews
United Methodist Restrictions	0.10%	$2,500	Learn More Reviews
Valley Strong	0.10%	$10,000	Learn More Reviews (1)
Altaone Restrictions	0.10%	$2,500	Learn More Reviews
Strata Restrictions	0.10%	$2,500	Learn More Reviews
Valley First Restrictions	0.10%	$2,500	Learn More Reviews
Coasthills Restrictions	0.10%	$10,000	Learn More Reviews
Tulare County Restrictions	0.10%	$2,500	Learn More Reviews
Kings Restrictions	0.10%	$2,500	Learn More Reviews
Allus	0.10%	$25,000	Learn More Reviews
Bay Restrictions	0.10%	$10,000	Learn More Reviews
Mission Restrictions	0.10%	$2,500	Learn More Reviews
Ume Restrictions	0.10%	$2,500	Learn More Reviews
First Entertainment Restrictions	0.10%	$2,500	Learn More Reviews
Baxter Restrictions	0.10%	$2,500	Learn More Reviews
Citizens Equity First Restrictions	0.10%	$2,500	Learn More Reviews
California Coast Restrictions	0.10%	$2,500	Learn More Reviews
Lassen County Restrictions	0.10%	$2,500	Learn More Reviews
Premier Community Restrictions	0.10%	$10,000	Learn More Reviews
The First Financial	0.10%	$10,000	Learn More Reviews
Together Restrictions	0.10%	$2,500	Learn More Reviews
Arrowhead Central Restrictions	0.10%	$2,000	Learn More Reviews
United Local Restrictions	0.10%	$2,500	Learn More Reviews
Redwood Restrictions	0.10%	$2,500	Learn More Reviews
Travis Restrictions	0.10%	$2,500	Learn More Reviews
Yolo Restrictions	0.10%	$10,000	Learn More Reviews
University & State Employees Restrictions	0.10%	$2,500	Learn More Reviews
First Technology Restrictions	0.10%	$2,500	Learn More Reviews
First U.s. Community Restrictions	0.10%	$2,500	Learn More Reviews
Alta Vista Restrictions	0.10%	$2,500	Learn More Reviews
Stanford Restrictions	0.10%	$2,500	Learn More Reviews
Central Coast Restrictions	0.10%	$25,000	Learn More Reviews
Edwards Restrictions	0.10%	$2,500	Learn More Reviews
Usc Restrictions	0.10%	$2,500	Learn More Reviews
Certified Restrictions	0.10%	$2,500	Learn More Reviews
Premier One Restrictions	0.10%	$2,500	Learn More Reviews
First Imperial Restrictions	0.10%	$2,500	Learn More Reviews
Santa Cruz Community Restrictions	0.10%	$10,000	Learn More Reviews
Desert Valleys Restrictions	0.10%	$2,500	Learn More Reviews
East County Schools Restrictions	0.10%	$2,500	Learn More Reviews
Lbs Financial Restrictions	0.10%	$2,500	Learn More Reviews
Schoolsfirst Restrictions	0.10%	$5	Learn More Reviews
Mokelumne Restrictions	0.10%	$2,500	Learn More Reviews
Chaffey Restrictions	0.10%	$2,500	Learn More Reviews
Corporate America Family Restrictions	0.10%	$2,500	Learn More Reviews
Eagle Community Restrictions	0.10%	$2,500	Learn More Reviews
Trugrocer Restrictions	0.10%	$2,500	Learn More Reviews
Santa Clara County Restrictions	0.10%	$25,000	Learn More Reviews
Los Angeles Restrictions	0.10%	$2,500	Learn More Reviews
Wescom Central Restrictions	0.10%	$2,500	Learn More Reviews
Uncle Restrictions	0.09%	$25,000	Learn More Reviews
Safe Restrictions	0.08%	$2,500	Learn More Reviews
Rancho Restrictions	0.08%	$2,500	Learn More Reviews
Uncle Restrictions	0.08%	$10,000	Learn More Reviews
Sacramento Restrictions	0.07%	$2,500	Learn More Reviews
Valley First Restrictions	0.07%	$2,500	Learn More Reviews
Siskiyou Central Cu Restrictions	0.07%	$2,500	Learn More Reviews
Central State Restrictions	0.07%	$25,000	Learn More Reviews
Capstone	0.07%	$2,500	Learn More Reviews
Uncle Restrictions	0.07%	$2,500	Learn More Reviews
Mocse Restrictions	0.06%	$25,000	Learn More Reviews
Star Usa Restrictions	0.05%	$5	Learn More Reviews (1)
Utility District Restrictions	0.05%	$2,500	Learn More Reviews
Patelco Restrictions	0.05%	$2,500	Learn More Reviews (1)
California Agribusiness Restrictions	0.05%	$2,500	Learn More Reviews
San Mateo Restrictions	0.05%	$2,500	Learn More Reviews (1)
Gain Restrictions	0.05%	$2,500	Learn More Reviews
Pasadena Restrictions	0.05%	$2,500	Learn More Reviews
Geico Restrictions	0.05%	$10,000	Learn More Reviews
Southland Restrictions	0.05%	$2,500	Learn More Reviews
First U.s. Community Restrictions	0.05%	$2,500	Learn More Reviews
Media City Restrictions	0.05%	$2,500	Learn More Reviews
Pentagon Restrictions	0.05%	$0	Learn More Reviews (12)
Mypoint Restrictions	0.05%	$2,500	Learn More Reviews
California Coast Restrictions	0.05%	$2,500	Learn More Reviews
Cooperative Center Restrictions	0.05%	$2,500	Learn More Reviews
Pacific Crest Restrictions	0.05%	$2,500	Learn More Reviews
San Diego County Restrictions	0.05%	$2,500	Learn More Reviews
1st United Services Restrictions	0.05%	$2,500	Learn More Reviews
Orange County's Restrictions	0.05%	$2,500	Learn More Reviews
Frontwave Restrictions	0.05%	$2,500	Learn More Reviews
Certified Restrictions	0.05%	$2,500	Learn More Reviews
Alaska Usa Restrictions	0.05%	$2,500	Learn More Reviews
Ventura County Restrictions	0.05%	$2,500	Learn More Reviews (2)
Desert Valleys Restrictions	0.05%	$2,500	Learn More Reviews
Strata Restrictions	0.05%	$2,500	Learn More Reviews
Valley Strong	0.05%	$2,500	Learn More Reviews (1)
Coasthills Restrictions	0.05%	$2,500	Learn More Reviews
Sesloc Restrictions	0.05%	$2,500	Learn More Reviews
Credit Union Of Southern California Restrictions	0.05%	$500	Learn More Reviews
Allus	0.05%	$2,500	Learn More Reviews
Bay Restrictions	0.05%	$2,500	Learn More Reviews
Santa Clara County Restrictions	0.05%	$2,500	Learn More Reviews
Monterey Restrictions	0.05%	$2,500	Learn More Reviews
Mission Restrictions	0.05%	$2,500	Learn More Reviews
Commonwealth Central Restrictions	0.05%	$2,500	Learn More Reviews
Excite Restrictions	0.05%	$2,500	Learn More Reviews
Sierra Central Restrictions	0.05%	$2,500	Learn More Reviews
Central State Restrictions	0.05%	$2,500	Learn More Reviews
Premier Community Restrictions	0.05%	$2,500	Learn More Reviews
Mokelumne Restrictions	0.05%	$2,500	Learn More Reviews
Pacific Service Restrictions	0.05%	$2,500	Learn More Reviews
Tulare County Restrictions	0.05%	$2,500	Learn More Reviews
Santa Barbara Teachers Restrictions	0.05%	$2,500	Learn More Reviews
Heritage Community Restrictions	0.05%	$2,500	Learn More Reviews
Travis Restrictions	0.05%	$2,500	Learn More Reviews
Scient Restrictions	0.05%	$2,500	Learn More Reviews
Golden 1 Credit Union Restrictions	0.05%	$0	Learn More Reviews
La Financial Restrictions	0.05%	$2,500	Learn More Reviews
Central Coast Restrictions	0.05%	$10,000	Learn More Reviews
Camino Restrictions	0.05%	$2,500	Learn More Reviews
United Local Restrictions	0.05%	$2,000	Learn More Reviews
Xceed Financial Restrictions	0.05%	$2,500	Learn More Reviews
Operating Engineers Local Union #3 Restrictions	0.05%	$2,500	Learn More Reviews
Edwards Restrictions	0.05%	$2,500	Learn More Reviews
California Restrictions	0.05%	$2,500	Learn More Reviews
First Imperial Restrictions	0.05%	$2,500	Learn More Reviews
Cabrillo Restrictions	0.05%	$2,500	Learn More Reviews
The First Financial	0.05%	$2,500	Learn More Reviews
Nuvision Restrictions	0.05%	$2,500	Learn More Reviews
Santa Cruz Community Restrictions	0.05%	$2,500	Learn More Reviews
East County Schools Restrictions	0.05%	$2,500	Learn More Reviews
Corporate America Family Restrictions	0.05%	$2,500	Learn More Reviews
Kinecta Restrictions	0.05%	$2,500	Learn More Reviews (2)
Silverado Restrictions	0.05%	$1,000	Learn More Reviews
Premier One Restrictions	0.05%	$2,500	Learn More Reviews
South Bay Restrictions	0.05%	$2,500	Learn More Reviews
El Monte Community Restrictions	0.05%	$2,500	Learn More Reviews
Justice Restrictions	0.05%	$2,500	Learn More Reviews
Sun Community Restrictions	0.05%	$2,500	Learn More Reviews
Unify Financial Restrictions	0.05%	$2,500	Learn More Reviews (1)
Clearpath Restrictions	0.04%	$2,500	Learn More Reviews
Santa Cruz Community Restrictions	0.04%	$2,500	Learn More Reviews
Siskiyou Central Cu Restrictions	0.04%	$2,500	Learn More Reviews
Uncle Restrictions	0.04%	$2,500	Learn More Reviews
Mocse Restrictions	0.04%	$10,000	Learn More Reviews
Mypoint Restrictions	0.03%	$2,500	Learn More Reviews
Families And Schools Together Restrictions	0.03%	$2,500	Learn More Reviews
Yolo Restrictions	0.03%	$2,500	Learn More Reviews
Provident Restrictions	0.03%	$2,500	Learn More Reviews
Central Coast Restrictions	0.03%	$2,500	Learn More Reviews
Camino Restrictions	0.03%	$2,500	Learn More Reviews
Partners 1st Restrictions	0.03%	$2,500	Learn More Reviews
Heritage Community Restrictions	0.03%	$2,500	Learn More Reviews
Mocse Restrictions	0.03%	$2,500	Learn More Reviews
The First Financial	0.03%	$2,500	Learn More Reviews
San Francisco Fire Restrictions	0.02%	$2,500	Learn More Reviews
Central Coast Restrictions	0.02%	$2,500	Learn More Reviews
Pacific Crest Restrictions	0.02%	$2,500	Learn More Reviews
Premier Community Restrictions	0.02%	$2,500	Learn More Reviews
Edu Restrictions	0.01%	$1	Learn More Reviews
Geico Restrictions	0.01%	$2,500	Learn More Reviews
Baxter Restrictions	0.01%	$2,500	Learn More Reviews
Santa Clara County Restrictions	0.01%	$2,500	Learn More Reviews
Inova Restrictions	0.01%	$15	Learn More Reviews

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 Local Banks →

See rates for Online Banks →

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 2022

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 ge