Best Money Market Rates in San Francisco, California (CA) - May 2026
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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 San Francisco, California and the surrounding area money market deposit account rates include Redwood Credit UnionRedwood Credit Union1390 Market St, San Francisco, CA 94102A+5.0 ★Texas Ratio: 3.79% Money Market at 4.15% APY, Citizens BankCitizens Bank101 California St, San Francisco, CA 94111A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.75% 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: 5.42% Money Market at 3.50% APY, and Patelco Credit UnionPatelco Credit Union124 2nd St, San Francisco, CA 94105A+5.0 ★Texas Ratio: 4.87% Money Market Plus at 3.25% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.
San Francisco has 13 local institutions in our database, with money market rates as high as 4.15% APY from Redwood Credit Union at 1390 Market St, San Francisco, CA 94102. 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: May 15, 2026
Compare the Best Money Market Rates Today in San Francisco, California & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
4.15%
$0
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
4.05%
$0
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
101 California St, San Francisco, CA 94111
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
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
101 California St, San Francisco, CA 94111
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Access your funds anytime.
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
124 2nd St, San Francisco, CA 94105
Money Market Plus
3.25%
$0
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
3.15%
$500,000
▼
Rate3.10%
Min Deposit$500,000
Min Balance—
UpdatedMay 10, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
124 2nd St, San Francisco, CA 94105
Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
3.00%
$150,000
▼
Rate2.96%
Min Deposit$150,000
Min Balance—
UpdatedMay 10, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
2.75%
$100,000
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
124 2nd St, San Francisco, CA 94105
Money Market Plus
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
124 2nd St, San Francisco, CA 94105
Money Market Plus
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
2.50%
$50,000
▼
Rate2.47%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
2.25%
$25,000
▼
Rate2.23%
Min Deposit$25,000
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
BUSINESS MONEY MARKET Plus Accounts
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Money Market Plus Accounts
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94118 1903
Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Money Market
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Money Market Plus Accounts
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
BUSINESS MONEY MARKET Plus Accounts
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Money Market Plus Accounts
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
BUSINESS MONEY MARKET Plus Accounts
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings Account
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2430 Mission St, San Francisco, CA 94110
Money Market
1.61%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Money Market Plus Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
BUSINESS MONEY MARKET Plus Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
BUSINESS MONEY MARKET Plus Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Money Market Plus Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Business Money Market
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA 94102 3120
Money Market Yield Account
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Money Market Plus Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
BUSINESS MONEY MARKET Plus Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
BUSINESS MONEY MARKET Plus Accounts
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
Money Market Advantage
0.85%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Money Market Plus Accounts
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
Money Market Advantage
0.80%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA 94102 3120
Money Market Yield Account
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
Money Market Advantage
0.75%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
400 N Point St, San Francisco, CA 94133
Safe Harbor - Tier Six Money Market Account
0.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
400 N Point St, San Francisco, CA 94133
Safe Harbor - Tier Five Money Market Account
0.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
Money Market Advantage
0.55%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
BUSINESS MONEY MARKET Plus Accounts
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Money Market Plus Accounts
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
400 N Point St, San Francisco, CA 94133
Safe Harbor - Tier Four Money Market Account
0.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
400 N Point St, San Francisco, CA 94133
Safe Harbor - Tier Three Money Market Account
0.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA 94102 3120
Money Market Yield Account
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
400 N Point St, San Francisco, CA 94133
Safe Harbor - Tier Two Money Market Account
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA 94102 3120
Money Market Yield Account
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
101 California St, San Francisco, CA 94111
Citizens Private Client® Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA 94102 3120
Money Market Yield Account
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Money Market
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Interest Compound Daily, pay monthly
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
101 California St, San Francisco, CA 94111
Citizens Quest® Money Market
0.03%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
101 California St, San Francisco, CA 94111
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
Performance Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 San Francisco, 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.
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.
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 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)?
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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, California
Here are some of the highest money market account APYs currently available in San Francisco, California and the surrounding area:
- Redwood Credit Union
Money Market — 4.15% APY - Citizens Bank
Citizens Private Client® Money Market — 3.75% APY - EverBank
Business Money Market — 3.50% APY - The Golden 1 Credit Union
Money Market — 3.50% APY - Patelco Credit Union
Money Market Plus — 3.25% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in San Francisco, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 15, 2026
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