Best Money Market Rates in San Francisco, California - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current San Francisco, California and the surrounding area money market deposit account rates include Citizens BankCitizens Bank101 California St, San Francisco, CA 94111A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, EverBankEverBank400 Montgomery St, San Francisco, CA 94104B4.5 ★Texas Ratio: 20.65% Business Money Market at 3.50% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union1560 3rd St Ste B, San Francisco, CA 94158 2349A+5.0 ★Texas Ratio: 5.04% Money Market at 3.50% APY, Technology Credit UnionTechnology Credit Union1449 Mission St, San Francisco, CA 94103 2510A+5.0 ★Texas Ratio: 3.39% BUSINESS MONEY MARKET Plus Accounts at 2.05% APY, and San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94118 1903A+5.0 ★Texas Ratio: 4.67% Money Market at 2.00% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
San Francisco has 10 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 101 California St, San Francisco, CA 94111. 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 San Francisco, California and surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Money Market Rates Today in San Francisco, California & the Surrounding Area
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
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Access your funds anytime. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. Fees may reduce earnings.
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
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Effective Date: 06/01/2026
The perfect balance of growth and easy access to your money, combining liquidity, security, and higher returns.
Effective Date: 06/01/2026
Effective Date: 06/01/2026
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Effective Date: 06/01/2026
Effective Date: 06/01/2026
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Effective Date: 06/01/2026
Effective Date: 06/01/2026
Effective Date: 06/01/2026
Standard rates. Must have a Citizens Private Client® Checking account.
Interest Compound Daily, pay monthly
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Standard rates. Must have a Citizens Quest® Checking account.
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
Effective Date: 06/01/2026
APY**
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)
Tiered balance; $24,999.01 & Above
Must be opened with New Money, defined as new-to-Byline. $25 monthly service fee if minimum daily balance is not met.
Tiered balance; $24,999.00 & Below
APY for 6 months
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.
San Francisco, CA Money Market Rate Trends
Compare local San Francisco, 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 currently average 3.327% APY.
California standard MMA rates currently average 0.059% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, California
What is a Money Market Account (MMA)?
Are Money Market accounts in San Francisco, California safe?
How often do MMA rates change in San Francisco, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in San Francisco, California?
Best Money Market Rates in San Francisco, California
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - EverBank
Business Money Market — 3.50% APY - The Golden 1 Credit Union
Money Market — 3.50% APY - Technology Credit Union
BUSINESS MONEY MARKET Plus Accounts — 2.05% APY - San Francisco Fire Credit Union
Money Market — 2.00% APY
San Francisco, California Rates & Resources
