Best Money Market Rates in Folsom, California (CA) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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.
Current Folsom, California and the surrounding area money market deposit account rates include The Golden 1 Credit UnionThe Golden 1 Credit Union1117 E Bidwell St, Folsom, CA 95630 5538A+5.0 ★Texas Ratio: 5.42% Money Market at 3.50% APY, SAFE Credit UnionSAFE Credit Union2740 E Bidwell St, Folsom, CA 95630A+5.0 ★Texas Ratio: 2.87% Level Up Money Market at 3.30% APY, Patelco Credit UnionPatelco Credit Union1300 E Bidwell St Ste 155, Folsom, CA 95630A+5.0 ★Texas Ratio: 4.87% Money Market Plus at 3.25% APY, Sacramento Credit UnionSacramento Credit Union1705 Iron Point Rd Ste 100, Folsom, CA 95630A+5.0 ★Texas Ratio: 0.17% Premium Money Market at 2.53% APY, and Heritage Community Credit UnionHeritage Community Credit Union13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004A+5.0 ★Texas Ratio: 5.33% Diamond Select Money Market Accounts at 0.70% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Folsom has 6 local institutions in our database, with money market rates as high as 3.50% APY from The Golden 1 Credit Union at 1117 E Bidwell St, Folsom, CA 95630 5538. 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 Folsom, California and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Folsom, California & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1117 E Bidwell St, Folsom, CA 95630 5538
Money Market Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1117 E Bidwell St, Folsom, CA 95630 5538
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Access your funds anytime.
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Level Up Money Market
3.30%
$2,000
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
UpdatedMay 12, 2026
Details
Introductory APY is limited to one account per tax reporting owner and available to accounts opened by June 30, 2026, who meet the following requirements: 1) Have no previous member relationship with SAFE Credit Union or have established your membership within the 60 days prior to the Introductory APY account opening, 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution), and 3) Maintain a minimum of $2,000 for the first three months from account open date. Once the three-month period has ended, or the balance falls below $2,000, the dividend rate reverts to the standard Level Up Money Market or Business Money Market variable rate in effect at that time. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Monthly fee of $12 waived if average daily balance equals $2,000 or more. Dividends are paid monthly.
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1300 E Bidwell St Ste 155, Folsom, CA 95630
Money Market Plus
3.25%
$0
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1300 E Bidwell St Ste 155, Folsom, CA 95630
Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1300 E Bidwell St Ste 155, Folsom, CA 95630
Money Market Plus
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Premium Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1300 E Bidwell St Ste 155, Folsom, CA 95630
Money Market Plus
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Premium Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Business Money Market
2.22%
$25
▼
Rate2.20%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Level Up Money Market
2.22%
$25
▼
Rate2.20%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Money Market
2.22%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
with Level Up Money Market.
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Premium Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Business Money Market
1.87%
$25
▼
Rate1.85%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Level Up Money Market
1.87%
$25
▼
Rate1.85%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Business Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Premium Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1117 E Bidwell St, Folsom, CA 95630 5538
Money Market Savings Account
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Business Money Market
1.61%
$25
▼
Rate1.60%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Level Up Money Market
1.61%
$25
▼
Rate1.60%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Money Market
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Money Market
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Level Up Money Market
1.36%
$25
▼
Rate1.35%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Business Money Market
1.36%
$25
▼
Rate1.35%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Money Market
1.31%
$0
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Preferred Money Market
1.26%
$25
▼
Rate1.25%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $2,000.00
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Business Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1117 E Bidwell St, Folsom, CA 95630 5538
Money Market Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Business Money Market
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Money Market
1.06%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1117 E Bidwell St, Folsom, CA 95630 5538
Money Market Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Business Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Money Market
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Level Up Money Market
0.85%
$25
▼
Rate0.85%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Business Money Market
0.85%
$25
▼
Rate0.85%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Business Money Market
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
IRA Diamond Select Money Market
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
Diamond Select Money Market Accounts
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
IRA Diamond Select Money Market
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
Diamond Select Money Market Accounts
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
IRA Diamond Select Money Market
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
Diamond Select Money Market Accounts
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
Diamond Select Money Market Accounts
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
IRA Diamond Select Money Market
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
Diamond Select Money Market Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004
IRA Diamond Select Money Market
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
2740 E Bidwell St, Folsom, CA 95630
Capitol Access Money Market
0.15%
$25
▼
Rate0.15%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Business Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
1705 Iron Point Rd Ste 100, Folsom, CA 95630
Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Gold Money Market Savings
0.10%
$5,000
▼
Rate0.10%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Investor's Money Market Checking
0.10%
$5,000
▼
Rate0.10%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Business Money Market Savings
0.10%
$5,000
▼
Rate0.10%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Gold Money Market Savings
0.09%
$5,000
▼
Rate0.09%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Investor's Money Market Checking
0.08%
$5,000
▼
Rate0.08%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Gold Money Market Savings
0.08%
$5,000
▼
Rate0.08%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Business Money Market Savings
0.08%
$5,000
▼
Rate0.08%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Business Money Market Savings
0.06%
$5,000
▼
Rate0.06%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Gold Money Market Savings
0.06%
$5,000
▼
Rate0.06%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Investor's Money Market Checking
0.06%
$5,000
▼
Rate0.06%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Investor's Money Market Checking
0.04%
$5,000
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Gold Money Market Savings
0.04%
$5,000
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Business Money Market Savings
0.04%
$5,000
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Gold Money Market Savings
0.03%
$5,000
▼
Rate0.03%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Investor's Money Market Checking
0.03%
$5,000
▼
Rate0.03%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Business Money Market Savings
0.02%
$5,000
▼
Rate0.02%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Business Money Market Savings
0.01%
$5,000
▼
Rate0.01%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Investor's Money Market Checking
0.01%
$5,000
▼
Rate0.01%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Business Money Market Savings
0.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Gold Money Market Savings
0.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
300 E Bidwell St, Folsom, CA 95630
Investor's Money Market Checking
0.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.01 & Above
Golden Bank National Association
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
money market account
3.38%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details
new money
Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Advantage Money Market Account
3.15%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
$25,000 minimum to open account. $25,000 minimum to earn 3.15% APY.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.00 & Below
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Folsom, California and the surrounding area.
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.
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.
Folsom, CA Money Market Rate Trends
Compare local Folsom, 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.
High-Yield MMA — CA Avg
3.423%
Unchanged vs 7 days ago
California high-yield MMA rates currently average 3.423% APY.
Standard MMA — CA Avg
0.063%
Unchanged vs 7 days ago
California standard MMA rates currently average 0.063% 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 Folsom, 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 Folsom, 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 Folsom, 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 Folsom, California
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in California.
Are Money Market accounts in Folsom, California safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in California up to $250,000 per depositor, per institution.
How often do MMA rates change in Folsom, California?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local California rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Folsom, California?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Folsom, California require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Folsom, California
Here are some of the highest money market account APYs currently available in Folsom, California and the surrounding area:
- The Golden 1 Credit Union
Money Market — 3.50% APY - SAFE Credit Union
Level Up Money Market — 3.30% APY - Patelco Credit Union
Money Market Plus — 3.25% APY - Sacramento Credit Union
Premium Money Market — 2.53% APY - Heritage Community Credit Union
Diamond Select Money Market Accounts — 0.70% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Folsom, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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