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Best Checking Accounts & Rates in California - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 12, 2026

The best checking rates for California include Baxter Credit UnionBaxter Credit Union4501 Colorado Blvd, Los Angeles, CA 90039A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Heritage Community Credit UnionHeritage Community Credit Union10415 Old Placerville Rd, Sacramento, CA 95827 2508A+5.0 ★Texas Ratio: 5.33% Kasasa Cash Checking at 5.00% APY, Sacramento Credit UnionSacramento Credit Union800 H St, Sacramento, CA 95814 2607A+5.0 ★Texas Ratio: 0.17% FREE REWARDS CHECKING at 4.50% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union14550 Aviation Blvd, Hawthorne, CA 90250B4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY, and Americas Christian Credit UnionAmericas Christian Credit Union2100 E Route 66 Ste 100, Glendora, CA 91740 4623A+5.0 ★Texas Ratio: 3.60% Elite Checking Tier 1 at 4.00% APY. Checking account rates as of May 12, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across California side-by-side. California checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 4501 Colorado Blvd, Los Angeles, CA, 90039. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in California. Checking Account Rates Last Updated and Verified: May 12, 2026

Compare Checking Account Rates Today in California

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
800 H St
Sacramento, CA 95814 2607
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Requirements Met

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
14550 Aviation Blvd
Hawthorne, CA 90250
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2100 E Route 66 Ste 100
Glendora, CA 91740 4623
Elite Checking Tier 1
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details

Rate Type: Variable; Compounded / Paid: Monthly

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
15804 Roscoe Blvd
Van Nuys, CA 91406 1350
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr
Sunnyvale, CA 94089 1005
Rewards Checking Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
3.50%
$25
View
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
19867 Prairie St
Chatsworth, CA 91311 6532
Premier Plus Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9420 Farnham St
San Diego, CA 92123
High-Yield Checking
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
7887 Walerga Rd
Antelope, CA 95843
Perfect Cents Checking
3.04%
$25
View
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifications Required: eStatements; 10 debit and/or credit card purchase transactions; Qualifying balance up to $3,000.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Protection Plus Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $2,500.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
1860 El Camino Real Ste 100
Burlingame, CA 94010 3106
Kasasa Cash Checking - Qualifying
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
8945 Cal Center Dr
Sacramento, CA 95826 3239
MarketRate Checking Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
9212 Balboa Ave
San Diego, CA 92123 1514
Inspired Checking Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required

Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
321 Wabash Ave
Eureka, CA 95501
Directional Checking
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9420 Farnham St
San Diego, CA 92123
High-Yield Checking
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
800 H St
Sacramento, CA 95814 2607
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Requirements Met

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
15804 Roscoe Blvd
Van Nuys, CA 91406 1350
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2100 E Route 66 Ste 100
Glendora, CA 91740 4623
Elite Checking Tier 1
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details

Rate Type: Variable; Compounded / Paid: Monthly

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
14550 Aviation Blvd
Hawthorne, CA 90250
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr
Sunnyvale, CA 94089 1005
Rewards Checking Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
19867 Prairie St
Chatsworth, CA 91311 6532
Premier Plus Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
3.50%
$25
View
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9420 Farnham St
San Diego, CA 92123
High-Yield Checking
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
7887 Walerga Rd
Antelope, CA 95843
Perfect Cents Checking
3.04%
$25
View
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifications Required: eStatements; 10 debit and/or credit card purchase transactions; Qualifying balance up to $3,000.00

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
1860 El Camino Real Ste 100
Burlingame, CA 94010 3106
Kasasa Cash Checking - Qualifying
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
8945 Cal Center Dr
Sacramento, CA 95826 3239
MarketRate Checking Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Protection Plus Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $2,500.00

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
9212 Balboa Ave
San Diego, CA 92123 1514
Inspired Checking Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifications Required

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
321 Wabash Ave
Eureka, CA 95501
Directional Checking
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9420 Farnham St
San Diego, CA 92123
High-Yield Checking
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
800 H St
Sacramento, CA 95814 2607
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Requirements Met

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr
Sunnyvale, CA 94089 1005
Rewards Checking Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
3.50%
$25
View
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $25,000.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
1860 El Camino Real Ste 100
Burlingame, CA 94010 3106
Kasasa Cash Checking - Qualifying
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifications Required

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifications Required

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2580 W Shaw Ln
Fresno, CA 93711 2778
Noble Perks Plus Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
8101 E Kaiser Blvd
Anaheim, CA 92808 2243
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifications Required

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
1860 El Camino Real Ste 100
Burlingame, CA 94010 3106
Kasasa Cash Checking - Non-Qualifying
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

All balances in non-qualifying accounts

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2580 W Shaw Ln
Fresno, CA 93711 2778
Noble Perks Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
800 H St
Sacramento, CA 95814 2607
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Requirements Met

First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2150 Watt Ave
Sacramento, CA 95825
Better Than Free Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Up to $500 w/ direct deposit

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr
Sunnyvale, CA 94089 1005
Free Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
1134 N Avalon Blvd
Wilmington, CA 90744 3502
FREE Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Universal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3455 S Nogales St
West Covina, CA 91792
Basic Interest Checking
0.04%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2333 Utah Ave
El Segundo, CA 90245
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
659 Skymaster Cir
Travis AFB, CA 94535
Access Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 12, 2026
Details

Minimum Initial Deposit $50

Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
659 Skymaster Cir
Travis AFB, CA 94535
Free Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 12, 2026
Details

Minimum Initial Deposit $50

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
14550 Aviation Blvd
Hawthorne, CA 90250
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
14550 Aviation Blvd
Hawthorne, CA 90250
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
300 S Glendale Ave
Glendale, CA 91205 5305
Free Checking or Connect (Share Draft)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr
Sunnyvale, CA 94089 1005
Student Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
879 W 190th St
Gardena, CA 90248 4220
YOUth Journey Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
12934 Harbor Blvd
Garden Grove, CA 92840 5809
Premier Business Checking Business
2.00%
$100
View
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
2100 LAS POSITAS CT
LIVERMORE, CA 94551 7301
Business Premier Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
2100 LAS POSITAS CT
LIVERMORE, CA 94551 7301
Business Premier Checking Business
0.62%
$0
View
▼
Rate0.62%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St
San Francisco, CA 94104
Business Interest Checking Business
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St
San Francisco, CA 94104
Small Business Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
2100 LAS POSITAS CT
LIVERMORE, CA 94551 7301
Business Premier Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
5615 Chesbro Ave
San Jose, CA 95123 3046
Business Elite Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Home Bank of California
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
4493 Ruffin Rd
San Diego, CA 92123
Better Business Interest Checking Business
0.20%
$500
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
19867 Prairie St
Chatsworth, CA 91311 6532
Platinum Business Checking Business
0.20%
$25
View
▼
Rate0.19%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
1005 W Orangeburg Ave
Modesto, CA 95350
Interest Business Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
2100 LAS POSITAS CT
LIVERMORE, CA 94551 7301
Business Premier Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Coast Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2650 Harrison Ave
Eureka, CA 95501
Business Interest Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
47993 Morongo Trl Ste 101
Cabazon, CA 92230 2165
Business Premier Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Balance to Earn Monthly Dividends: $500+

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
18017 Sky Park Cir Ste A
Irvine, CA 92614
Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
1005 W Orangeburg Ave
Modesto, CA 95350
Impact Business Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
1005 W Orangeburg Ave
Modesto, CA 95350
Interest Business Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3279 Ramos Cir
Sacramento, CA 95827 2500
20/20 Business Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
7887 Walerga Rd
Antelope, CA 95843
Business Checking Business
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
1005 W Orangeburg Ave
Modesto, CA 95350
Interest Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

California Checking Rate Trends

Compare local California checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full California Checking Trends →
High-Yield Checking — CA Avg
1.999%
▲ 0.509 vs 7 days ago

California high-yield checking rates rose 0.509 points over the past 7 days to 1.999% APY.

Free Checking — CA Avg
0.943%
▼ 0.066 vs 7 days ago

California free checking rates fell 0.066 points over the past 7 days to 0.943% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our California checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for California directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in California. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in CA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in California earn interest?

Most traditional local checking accounts in California earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in California FDIC insured?

Yes. Legitimate banks with branches in California are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in California

Based on our current data, some of the highest checking account APYs available to residents of California include:
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • Heritage Community Credit Union
    Kasasa Cash Checking — 5.00% APY
  • Sacramento Credit Union
    FREE REWARDS CHECKING — 4.50% APY
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
  • Americas Christian Credit Union
    Elite Checking Tier 1 — 4.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in California. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 12, 2026

California Rates & Resources

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California CD Rates
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California Savings Rates
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California Money Market Rates
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California Mortgage Rates
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California Auto Loan Rates
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California Personal Loan Rates

Checking Account Rates by City in California

  • Acampo
  • Acton
  • Adelanto
  • Adin
  • Agoura Hills
  • Aguanga
  • Ahwahnee
  • Alameda
  • Alamo
  • Albany
  • Albion
  • Alderpoint
  • Alhambra
  • Aliso Viejo
  • Alleghany
  • Alpaugh
  • Alpine
  • Alta
  • Alta Loma
  • Altadena
  • Altaville
  • Alturas
  • Alviso
  • Amador City
  • Amboy
  • American Canyon
  • Anaheim
  • Anderson
  • Angels Camp
  • Angelus Oaks
  • Angwin
  • Annapolis
  • Antelope
  • Antioch
  • Anza
  • Apple Valley
  • Applegate
  • Aptos
  • Arbuckle
  • Arcadia
  • Arcata
  • Armona
  • Arnold
  • Aromas
  • Arroyo Grande
  • Artesia
  • Artois
  • Arvin
  • Atascadero
  • Atherton
  • Atwater
  • Atwood
  • Auberry
  • Auburn
  • Avalon
  • Avenal
  • Avery
  • Avila Beach
  • Azusa
  • Badger
  • Baker
  • Bakersfield
  • Baldwin Park
  • Ballico
  • Bangor
  • Banning
  • Banta
  • Bard
  • Barstow
  • Bass Lake
  • Bayside
  • Beaumont
  • Beckwourth
  • Belden
  • Bell
  • Bell Gardens
  • Bella Vista
  • Bellflower
  • Belmont
  • Belvedere Tiburon
  • Ben Lomond
  • Benicia
  • Benton
  • Berkeley
  • Berry Creek
  • Bethel Island
  • Beverly Hills
  • Bieber
  • Big Bar
  • Big Bear City
  • Big Bear Lake
  • Big Bend
  • Big Creek
  • Big Oak Flat
  • Big Pine
  • Big Sur
  • Biggs
  • Biola
  • Birds Landing
  • Bishop
  • Blairsden-Graeagle
  • Blocksburg
  • Bloomington
  • Blue Jay
  • Blue Lake
  • Blythe
  • Bodega
  • Bodega Bay
  • Bodfish
  • Bolinas
  • Bonita
  • Bonsall
  • Boonville
  • Boron
  • Borrego Springs
  • Boulder Creek
  • Boulevard
  • Boyes Hot Springs
  • Bradley
  • Brandeis
  • Branscomb
  • Brawley
  • Brea
  • Brentwood
  • Bridgeport
  • Bridgeville
  • Brisbane
  • Brookdale
  • Brooks
  • Browns Valley
  • Brownsville
  • Bryn Mawr
  • Buellton
  • Buena Park
  • Burbank
  • Burlingame
  • Burney
  • Burnt Ranch
  • Burrel
  • Burson
  • Butte City
  • Buttonwillow
  • Byron
  • Cabazon
  • Calabasas
  • Calexico
  • Caliente
  • California City
  • California Hot Springs
  • Calimesa
  • Calipatria
  • Calistoga
  • Callahan
  • Calpella
  • Calpine
  • Camarillo
  • Cambria
  • Camino
  • Camp Meeker
  • Camp Nelson
  • Camp Pendleton
  • Campbell
  • Campo
  • Campo Seco
  • Camptonville
  • Canby
  • Canoga Park
  • Cantil
  • Cantua Creek
  • Canyon
  • Canyon Country
  • Canyondam
  • Capay
  • Capistrano Beach
  • Capitola
  • Cardiff By The Sea
  • Carlotta
  • Carlsbad
  • Carmel
  • Carmel Valley
  • Carmichael
  • Carnelian Bay
  • Carpinteria
  • Carson
  • Caruthers
  • Casmalia
  • Caspar
  • Cassel
  • Castaic
  • Castella
  • Castro Valley
  • Castroville
  • Cathedral City
  • Catheys Valley
  • Cayucos
  • Cazadero
  • Cedar Glen
  • Cedar Ridge
  • Cedarpines Park
  • Cedarville
  • Ceres
  • Cerritos
  • Challenge
  • Chatsworth
  • Chester
  • Chicago Park
  • Chico
  • Chilcoot
  • Chinese Camp
  • Chino
  • Chino Hills
  • Chowchilla
  • Chualar
  • Chula Vista
  • Cima
  • Citrus Heights
  • City Of Industry
  • Claremont
  • Clarksburg
  • Clayton
  • Clearlake
  • Clearlake Oaks
  • Clearlake Park
  • Clements
  • Clio
  • Clipper Mills
  • Cloverdale
  • Clovis
  • Coachella
  • Coalinga
  • Coarsegold
  • Cobb
  • Coleville
  • Colfax
  • College City
  • Coloma
  • Colton
  • Columbia
  • Colusa
  • Comptche
  • Compton
  • Concord
  • Cool
  • Copperopolis
  • Corcoran
  • Corning
  • Corona
  • Corona Del Mar
  • Coronado
  • Corte Madera
  • Costa Mesa
  • Cotati
  • Cottonwood
  • Coulterville
  • Courtland
  • Covelo
  • Covina
  • Coyote
  • Crescent City
  • Crescent Mills
  • Cressey
  • Crest Park
  • Crestline
  • Creston
  • Crockett
  • Crows Landing
  • Culver City
  • Cupertino
  • Cutler
  • Cutten
  • Cypress
  • Daggett
  • Daly City
  • Dana Point
  • Danville
  • Dardanelle
  • Darwin
  • Davenport
  • Davis
  • Davis Creek
  • Death Valley
  • Deer Park
  • Del Mar
  • Del Rey
  • Delano
  • Delhi
  • Denair
  • Descanso
  • Desert Center
  • Desert Hot Springs
  • Diablo
  • Diamond Bar
  • Diamond Springs
  • Dillon Beach
  • Dinuba
  • Dixon
  • Dobbins
  • Dorris
  • Dos Palos
  • Dos Rios
  • Douglas City
  • Douglas Flat
  • Downey
  • Downieville
  • Doyle
  • Drytown
  • Duarte
  • Dublin
  • Ducor
  • Dulzura
  • Duncans Mills
  • Dunlap
  • Dunnigan
  • Dunsmuir
  • Durham
  • Dutch Flat
  • Eagleville
  • Earlimart
  • Earp
  • East Irvine
  • Echo Lake
  • Edison
  • Edwards
  • El Cajon
  • El Centro
  • El Cerrito
  • El Dorado
  • El Dorado Hills
  • El Granada
  • El Macero
  • El Monte
  • El Nido
  • El Portal
  • El Segundo
  • El Sobrante
  • El Verano
  • Eldridge
  • Elk
  • Elk Creek
  • Elk Grove
  • Elmira
  • Elverta
  • Emeryville
  • Emigrant Gap
  • Empire
  • Encinitas
  • Encino
  • Escalon
  • Escondido
  • Esparto
  • Essex
  • Etna
  • Eureka
  • Exeter
  • Fair Oaks
  • Fairfax
  • Fairfield
  • Fall River Mills
  • Fallbrook
  • Farmersville
  • Farmington
  • Fawnskin
  • Feather Falls
  • Fellows
  • Felton
  • Ferndale
  • Fiddletown
  • Fields Landing
  • Fillmore
  • Finley
  • Firebaugh
  • Fish Camp
  • Five Points
  • Floriston
  • Flournoy
  • Folsom
  • Fontana
  • Foothill Ranch
  • Forbestown
  • Forest Falls
  • Forest Knolls
  • Forest Ranch
  • Foresthill
  • Forestville
  • Forks Of Salmon
  • Fort Bidwell
  • Fort Bragg
  • Fort Dick
  • Fort Irwin
  • Fort Jones
  • Fortuna
  • Foster City
  • Fountain Valley
  • Fowler
  • Frazier Park
  • Freedom
  • Fremont
  • French Camp
  • French Gulch
  • Fresno
  • Friant
  • Fullerton
  • Fulton
  • Galt
  • Garberville
  • Garden Grove
  • Garden Valley
  • Gardena
  • Gasquet
  • Gazelle
  • Georgetown
  • Gerber
  • Geyserville
  • Gilroy
  • Glen Ellen
  • Glencoe
  • Glendale
  • Glendora
  • Glenhaven
  • Glenn
  • Glennville
  • Gold Run
  • Goleta
  • Gonzales
  • Goodyears Bar
  • Goshen
  • Granada Hills
  • Grand Terrace
  • Granite Bay
  • Grass Valley
  • Graton
  • Green Valley Lake
  • Greenbrae
  • Greenfield
  • Greenview
  • Greenville
  • Greenwood
  • Grenada
  • Gridley
  • Grimes
  • Grizzly Flats
  • Groveland
  • Grover Beach
  • Guadalupe
  • Gualala
  • Guasti
  • Guatay
  • Guerneville
  • Guinda
  • Gustine
  • Hacienda Heights
  • Half Moon Bay
  • Hamilton City
  • Hanford
  • Happy Camp
  • Harbor City
  • Harmony
  • Hat Creek
  • Hathaway Pines
  • Hawaiian Gardens
  • Hawthorne
  • Hayfork
  • Hayward
  • Healdsburg
  • Heber
  • Helendale
  • Helm
  • Hemet
  • Herald
  • Hercules
  • Herlong
  • Hermosa Beach
  • Hesperia
  • Hickman
  • Highland
  • Hilmar
  • Hinkley
  • Hollister
  • Holt
  • Holtville
  • Holy City
  • Homeland
  • Homewood
  • Honeydew
  • Hood
  • Hoopa
  • Hopland
  • Hornbrook
  • Hornitos
  • Hughson
  • Hume
  • Huntington Beach
  • Huntington Park
  • Huron
  • Hyampom
  • Hydesville
  • Idyllwild
  • Igo
  • Imperial
  • Imperial Beach
  • Independence
  • Indian Wells
  • Indio
  • Inglewood
  • Inverness
  • Inyokern
  • Ione
  • Irvine
  • Isleton
  • Ivanhoe
  • Jackson
  • Jacumba
  • Jamestown
  • Jamul
  • Janesville
  • Jenner
  • Johannesburg
  • Jolon
  • Joshua Tree
  • Julian
  • Junction City
  • June Lake
  • Kaweah
  • Keeler
  • Keene
  • Kelseyville
  • Kentfield
  • Kenwood
  • Kerman
  • Kernville
  • Kettleman City
  • Keyes
  • King City
  • Kings Beach
  • Kings Canyon National Pk
  • Kingsburg
  • Kirkwood
  • Kit Carson
  • Klamath
  • Klamath River
  • Kneeland
  • Knights Landing
  • Knightsen
  • Korbel
  • Kyburz
  • La Canada Flintridge
  • La Crescenta
  • La Grange
  • La Habra
  • La Honda
  • La Jolla
  • La Mesa
  • La Mirada
  • La Palma
  • La Presa
  • La Puente
  • La Quinta
  • La Verne
  • Ladera Ranch
  • Lafayette
  • Laguna Beach
  • Laguna Hills
  • Laguna Niguel
  • Lagunitas
  • Lake Arrowhead
  • Lake City
  • Lake Elsinore
  • Lake Forest
  • Lake Hughes
  • Lake Isabella
  • Lake of the Woods
  • Lakehead
  • Lakeport
  • Lakeshore
  • Lakeside
  • Lakewood
  • Lamont
  • Lancaster
  • Landers
  • Larkspur
  • Lathrop
  • Laton
  • Lawndale
  • Laytonville
  • Le Grand
  • Lebec
  • Lee Vining
  • Leggett
  • Lemon Cove
  • Lemon Grove
  • Lemoore
  • Lewiston
  • Likely
  • Lincoln
  • Lincoln Acres
  • Linden
  • Lindsay
  • Litchfield
  • Little Lake
  • Littleriver
  • Littlerock
  • Live Oak
  • Livermore
  • Livingston
  • Llano
  • Lockeford
  • Lockwood
  • Lodi
  • Loleta
  • Loma Linda
  • Loma Mar
  • Lomita
  • Lompoc
  • Lone Pine
  • Long Barn
  • Long Beach
  • Lookout
  • Loomis
  • Los Alamitos
  • Los Alamos
  • Los Altos
  • Los Angeles
  • Los Banos
  • Los Gatos
  • Los Molinos
  • Los Olivos
  • Los Osos
  • Lost Hills
  • Lotus
  • Lower Lake
  • Loyalton
  • Lucerne
  • Lucerne Valley
  • Ludlow
  • Lynwood
  • Lyoth
  • Lytle Creek
  • Macdoel
  • Mad River
  • Madeline
  • Madera
  • Madison
  • Magalia
  • Malibu
  • Mammoth Lakes
  • Manchester
  • Manhattan Beach
  • Manteca
  • Manton
  • Maricopa
  • Marina
  • Marina Del Rey
  • Mariposa
  • Markleeville
  • Marshall
  • Martell
  • Martinez
  • Marysville
  • Mather
  • Maxwell
  • Maywood
  • Mcarthur
  • Mccloud
  • McFarland
  • Mckinleyville
  • McKittrick
  • Meadow Valley
  • Meadow Vista
  • Mecca
  • Mendocino
  • Mendota
  • Menifee
  • Menlo Park
  • Mentone
  • Merced
  • Meridian
  • Mi Wuk Village
  • Middletown
  • Midpines
  • Midway City
  • Milford
  • Mill Creek
  • Mill Valley
  • Millbrae
  • Millville
  • Milpitas
  • Mineral
  • Mira Loma
  • Miramonte
  • Miranda
  • Mission Hills
  • Mission Viejo
  • Moccasin
  • Modesto
  • Mojave
  • Mokelumne Hill
  • Mono Hot Springs
  • Monrovia
  • Montague
  • Montara
  • Montclair
  • Monte Rio
  • Montebello
  • Monterey
  • Monterey Park
  • Montgomery Creek
  • Montrose
  • Moorpark
  • Moraga
  • Moreno Valley
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  • Zamora
  • Zenia