Best Money Market Rates in Bakersfield, California - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Bakersfield, California and the surrounding area money market deposit account rates include Chevron Federal Credit UnionChevron Federal Credit Union9525 Camino Media, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.14% Money Market Savings at 3.10% APY, Valley Strong Credit UnionValley Strong Credit Union11500 Bolthouse Dr, Bakersfield, CA 93311 8822A-5.0 ★Texas Ratio: 13.05% Smart Business Money Market Account at 3.00% APY, Energy One Federal Credit UnionEnergy One Federal Credit Union9600 Ming Ave Ste 146, Bakersfield, CA 93311A5.0 ★Texas Ratio: 6.85% Premier One Money Market Tier 6 at 2.00% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union7900 Downing Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 1.51% Business Money Market Accounts at 1.75% APY, and Strata Federal Credit UnionStrata Federal Credit Union1717 Truxtun Ave, Bakersfield, CA 93301 5102A+5.0 ★Texas Ratio: 1.59% Money Market at 0.25% APY. Money market rates as of July 13, 2026 according to verified data from MonitorBankRates.
Bakersfield has 5 local institutions in our database, with money market rates as high as 3.10% APY from Chevron Federal Credit Union at 9525 Camino Media, Bakersfield, CA 93311. Use the table below to compare all available offers, including options from institutions serving the broader California area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Bakersfield, California and surrounding area. Last Updated and Verified: July 13, 2026
Compare the Best Money Market Rates Today in Bakersfield, California & the Surrounding Area
On balances of $25,000+
Up to 3.00% APY on a new Money Market Account!
Tier 8; Today's Rate - Valid 07/11/2026; Fees may reduce earnings on share accounts. If your average daily balance falls below $2,500, the account will be charged $10.00, monthly.
APY (Annual Percentage Yield)
Balance: $1,000,000.00+
Only available for new members; Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Only available for new members; Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Only available for new members; Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Premier Checking required to open the Premier Money Market.
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Balance: $250,000.00-$999,999.99
APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Minimum deposit of $50 required to open a Money Market Savings Account. Minimum balance of $50 required to earn dividend. Fees may reduce earnings.
Premier Checking required to open the Premier Money Market.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Bakersfield, CA Money Market Rate Trends
Compare local Bakersfield, CA money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California high-yield MMA rates rose 0.004 points over the past 7 days to 3.331% APY.
California standard MMA rates rose 0.003 points over the past 7 days to 0.062% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bakersfield, California money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Bakersfield, California directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Bakersfield, California. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Bakersfield, California
What is a Money Market Account (MMA)?
Are Money Market accounts in Bakersfield, California safe?
How often do MMA rates change in Bakersfield, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Bakersfield, California?
Best Money Market Rates in Bakersfield, California
- Chevron Federal Credit Union
Money Market Savings — 3.10% APY - Valley Strong Credit Union
Smart Business Money Market Account — 3.00% APY - Energy One Federal Credit Union
Premier One Money Market Tier 6 — 2.00% APY - Firefighters First Federal Credit Union
Business Money Market Accounts — 1.75% APY - Strata Federal Credit Union
Money Market — 0.25% APY
Bakersfield, California Rates & Resources
