Best Money Market Rates in San Jose, California (CA) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current San Jose, California and the surrounding area money market deposit account rates include Star One Credit UnionStar One Credit Union1090 Blossom Hill Rd, San Jose, CA 95123 1103A+5.0 ★Texas Ratio: 0.72% Money Market Savings Account at 3.51% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union2 Pierce Ave Ste B, San Jose, CA 95110 2842A+5.0 ★Texas Ratio: 5.42% Money Market at 3.50% APY, Patelco Credit UnionPatelco Credit Union1775 Story Rd Ste 110, San Jose, CA 95122A+5.0 ★Texas Ratio: 4.87% Money Market Plus at 3.25% APY, Meriwest Credit UnionMeriwest Credit Union5615 Chesbro Ave, San Jose, CA 95123 3046A5.0 ★Texas Ratio: 9.41% Business Money Market Plus at 3.00% APY, and Citizens Equity First Credit UnionCitizens Equity First Credit Union670 Lincoln Ave, San Jose, CA 95126 3704A5.0 ★Texas Ratio: 6.76% Insured Money Market Account (IMMA) TIER-4 at 2.35% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.
San Jose has 11 local institutions in our database, with money market rates as high as 3.51% APY from Star One Credit Union at 1090 Blossom Hill Rd, San Jose, CA 95123 1103. 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 Jose, California and surrounding area. Last Updated and Verified: May 15, 2026
Compare the Best Money Market Rates Today in San Jose, California & the Surrounding Area
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.
Access your funds anytime.
as high as
$250,000.00 +
$50,000.00 - $249,999.99
$10,000.00 - $49,999.99
As High As
$1,500.00 - $9,999.99
Interest Compound Daily, pay monthly
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
$24,999.01 & Above
new money
$25,000 minimum to open account. $25,000 minimum to earn 3.15% APY.
$24,999.00 & Below
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 Jose, CA Money Market Rate Trends
Compare local San Jose, 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 3.423% APY.
California standard MMA rates currently average 0.063% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Jose, 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 Jose, 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 Jose, 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 Jose, California
What is a Money Market Account (MMA)?
Are Money Market accounts in San Jose, California safe?
How often do MMA rates change in San Jose, 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 Jose, California?
Best Money Market Rates in San Jose, California
- Star One Credit Union
Money Market Savings Account — 3.51% APY - The Golden 1 Credit Union
Money Market — 3.50% APY - Patelco Credit Union
Money Market Plus — 3.25% APY - Meriwest Credit Union
Business Money Market Plus — 3.00% APY - Citizens Equity First Credit Union
Insured Money Market Account (IMMA) TIER-4 — 2.35% APY
