Best Money Market Rates in Irvine, California - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current Irvine, California and the surrounding area money market deposit account rates include EverBankEverBank4250 Barranca Pkwy, Irvine, CA 92604B4.5 ★Texas Ratio: 20.65% Business Money Market at 3.50% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union3200 El Camino Real Ste 200, Irvine, CA 92602 1381B4.4 ★Texas Ratio: 17.71% Money Market Plus Account at 3.25% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union4000 Barranca Pkwy Ste 150, Irvine, CA 92604 1712A+5.0 ★Texas Ratio: 1.51% Business Money Market Accounts at 1.75% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO14376 Culver Dr, Irvine, CA 92604A+5.0 ★Texas Ratio: 1.54% Performance Money Market at 0.02% APY, and 1st Northern California Credit Union1st Northern California Credit UnionA+5.0 ★Texas Ratio: 0.24% 1st Class Money Market Accounts at 5.39% APY. Money market rates as of July 13, 2026 according to verified data from MonitorBankRates.
Irvine has 4 local institutions in our database, with money market rates as high as 3.50% APY from EverBank at 4250 Barranca Pkwy, Irvine, CA 92604. 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 Irvine, California and surrounding area. Last Updated and Verified: July 13, 2026
Compare the Best Money Market Rates Today in Irvine, California & the Surrounding Area
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)
Premier Checking required to open the Premier Money Market.
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)
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
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.
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.
Tiered balance
On balances of $25,000+
Up to 3.00% APY on a new Money Market Account!
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.
Irvine, CA Money Market Rate Trends
Compare local Irvine, 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 Irvine, 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 Irvine, 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 Irvine, 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 Irvine, California
What is a Money Market Account (MMA)?
Are Money Market accounts in Irvine, California safe?
How often do MMA rates change in Irvine, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Irvine, California?
Best Money Market Rates in Irvine, California
- EverBank
Business Money Market — 3.50% APY - UNIFY Financial Federal Credit Union
Money Market Plus Account — 3.25% APY - Firefighters First Federal Credit Union
Business Money Market Accounts — 1.75% APY - First Bank Creve Coeur, MO
Performance Money Market — 0.02% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY
