Best Money Market Rates in Sacramento, California - July 2026
Content reviewed by
Brian McKay
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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 Sacramento, California and the surrounding area money market deposit account rates include Patelco Credit UnionPatelco Credit Union2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825A+5.0 ★Texas Ratio: 4.56% Money Market Plus at 3.25% APY, Vision One Credit UnionVision One Credit Union3279 Ramos Cir, Sacramento, CA 95827 2500A+5.0 ★Texas Ratio: 0.68% IRA Money Market at 3.00% APY, Meriwest Credit UnionMeriwest Credit Union1100 N Market Blvd, Sacramento, CA 95834A5.0 ★Texas Ratio: 8.90% Business Money Market Plus at 3.00% APY, SAFE Credit UnionSAFE Credit Union6341 Folsom Blvd, Sacramento, CA 95819A+5.0 ★Texas Ratio: 2.70% Business Money Market at 2.22% APY, and First Us Community Credit UnionFirst Us Community Credit Union2150 Watt Ave, Sacramento, CA 95825A+5.0 ★Texas Ratio: 1.50% Money Market Savings & IRA at 2.15% APY. Money market rates as of July 13, 2026 according to verified data from MonitorBankRates.
Sacramento has 8 local institutions in our database, with money market rates as high as 3.25% APY from Patelco Credit Union at 2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825. 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 Sacramento, California and surrounding area. Last Updated and Verified: July 13, 2026
Compare the Best Money Market Rates Today in Sacramento, California & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825
Money Market Plus
3.25%
$0
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
IRA Money Market
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market Checking
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Business Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825
Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825
Money Market Plus
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825
Money Market Plus
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Money Market Max
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Money Market Max*
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Money Market as high as 2.50% APY*
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Business Money Market
2.22%
$25
▼
Rate2.20%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Level Up Money Market
2.22%
$25
▼
Rate2.20%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
Money Market Savings & IRA
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
Money Market Savings & IRA
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Business Money Market
1.87%
$25
▼
Rate1.85%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Level Up Money Market
1.87%
$25
▼
Rate1.85%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Money Market Max*
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Money Market Max
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
Money Market Savings & IRA
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
Money Market Savings & IRA
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Business Money Market
1.61%
$25
▼
Rate1.60%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Level Up Money Market
1.61%
$25
▼
Rate1.60%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Business Money Market Plus
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Level Up Money Market
1.36%
$25
▼
Rate1.35%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Business Money Market
1.36%
$25
▼
Rate1.35%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Preferred Money Market
1.26%
$25
▼
Rate1.25%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
Dividends paid monthly. Variable rate changes monthly. Preferred Money Market is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. One Preferred Money Market per member.
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Business Money Market Plus
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
IRA Money Market
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market Checking
0.95%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
IRA Money Market
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market Checking
0.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market Checking
0.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Business Money Market
0.85%
$25
▼
Rate0.85%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
IRA Money Market
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
6341 Folsom Blvd, Sacramento, CA 95819
Level Up Money Market
0.85%
$25
▼
Rate0.85%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
8815 Folsom Blvd, Sacramento, CA 95826
Money Market Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Variable Rate
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Money Market Max
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1100 N Market Blvd, Sacramento, CA 95834
Money Market Max*
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Diamond Select Money Market Tier 5
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Diamond Select Money Market Tier 6
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Diamond Select Money Market Accounts Tier 6
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Diamond Select Money Market Accounts Tier 5
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Diamond Select Money Market Accounts Tier 4
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
IRA Diamond Select Money Market Tier 4
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
2150 Watt Ave, Sacramento, CA 95825
Money Market Savings & IRA
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA 95827 2508
Diamond Select Money Market Accounts Tier 3
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Investor's Money Market Checking
0.10%
$5,000
▼
Rate0.10%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Business Money Market Savings
0.10%
$5,000
▼
Rate0.10%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Gold Money Market Savings
0.10%
$5,000
▼
Rate0.10%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Gold Money Market Savings
0.09%
$5,000
▼
Rate0.09%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Business Money Market Savings
0.08%
$5,000
▼
Rate0.08%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Gold Money Market Savings
0.08%
$5,000
▼
Rate0.08%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Investor's Money Market Checking
0.08%
$5,000
▼
Rate0.08%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Investor's Money Market Checking
0.06%
$5,000
▼
Rate0.06%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Gold Money Market Savings
0.06%
$5,000
▼
Rate0.06%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Business Money Market Savings
0.06%
$5,000
▼
Rate0.06%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Investor's Money Market Checking
0.04%
$5,000
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Business Money Market Savings
0.04%
$5,000
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Gold Money Market Savings
0.04%
$5,000
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Investor's Money Market Checking
0.03%
$5,000
▼
Rate0.03%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Gold Money Market Savings
0.03%
$5,000
▼
Rate0.03%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Business Money Market Savings
0.02%
$5,000
▼
Rate0.02%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Business Money Market Savings
0.01%
$5,000
▼
Rate0.01%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Investor's Money Market Checking
0.01%
$5,000
▼
Rate0.01%
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Business Money Market Savings
0.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Gold Money Market Savings
0.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
El Dorado Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
5500 Folsom Blvd, Sacramento, CA 95819
Investor's Money Market Checking
0.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJul 12, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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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 Sacramento, 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.
Sacramento, CA Money Market Rate Trends
Compare local Sacramento, 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
3.331%
▲ 0.004 vs 7 days ago
California high-yield MMA rates rose 0.004 points over the past 7 days to 3.331% APY.
Standard MMA — CA Avg
0.062%
▲ 0.003 vs 7 days ago
California standard MMA rates rose 0.003 points over the past 7 days to 0.062% APY.
As of Jul 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, California
Here are some of the highest money market account APYs currently available in Sacramento, California and the surrounding area:
- Patelco Credit Union
Money Market Plus — 3.25% APY - Vision One Credit Union
IRA Money Market — 3.00% APY - Meriwest Credit Union
Business Money Market Plus — 3.00% APY - SAFE Credit Union
Business Money Market — 2.22% APY - First Us Community Credit Union
Money Market Savings & IRA — 2.15% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sacramento, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: July 13, 2026
Sacramento, California Rates & Resources
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