Santa Ana, California Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Santa Ana, California money market account rates range from 0.01% to 4.50% APY, verified by MonitorBankRates as of October 14, 2026. Current Santa Ana, California and the surrounding area money market deposit account rates include Infinity BankInfinity Bank6 Hutton Centre Dr, Santa Ana, CA 92707A+5.0 ★Texas Ratio: 5.65%Real return: +1.70%APY minus 2.8% CPI (February 2026) Infinity Advantage Money Market Account at 4.50% APY, Baxter Credit UnionBaxter Credit Union1901 E Alton Ave Ste 130, Santa Ana, CA 92705 5849A5.0 ★Texas Ratio: 6.31%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Special at 3.50% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union3715 S Bristol St Ste A, Santa Ana, CA 92704A-5.0 ★Texas Ratio: 14.54%Real return: +0.65%APY minus 2.8% CPI (February 2026) Premier Money Market at 3.45% APY, US BankUS Bank2740 N Grand Ave, Santa Ana, CA 92705A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, and Eagle Community Credit UnionEagle Community Credit Union3101 W Sunflower Ave, Santa Ana, CA 92799A+5.0 ★Texas Ratio: 3.63%Real return: +0.20%APY minus 2.8% CPI (February 2026) Premier Business Money Market at 3.00% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Santa Ana has 7 local institutions in our database, with money market rates as high as 4.50% APY from Infinity Bank at 6 Hutton Centre Dr, Santa Ana, CA 92707. Use the table below to compare all available offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Santa Ana, California and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Santa Ana, California & the Surrounding Area
Balance: $100,000 +
Balance: $100,000 +
Intro rate; Balance: $15,000+
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $500,000.00 - or more
Balance: $25,000 - $49,999.99
Balance: $250,000.00 - $499,999.99
Balance: $150,000.00 - $249,999.99
Balance: $100,000.00 - $149,999.99
Balance: $50,000.00 - $99,999.99
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Min. to Earn APY: $100,000
Min. to Earn APY: $50,000
Min. to Earn APY: $25,000
Min. to Earn APY: $10,000
Balance: $15,000+
Balance: $10,000.00 - $99,999.99; Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate
Min. to Earn APY: $100,000
Balance: $2,000.00 - $9,999.99; Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate
Min. to Earn APY: $50,000
Min. to Earn APY: $25,000
Balance: $500,000.00 - or more
Balance: $500,000.00 - or more
Balance: $500,000.00 - or more
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $150,000.00 - $249,999.99
Balance: $150,000.00 - $249,999.99
Balance: $150,000.00 - $249,999.99
Min. to Earn APY: $2,500
Min. to Earn APY: $10,000
Balance: $100,000.00 - $149,999.99
Balance: $100,000.00 - $149,999.99
Balance: $100,000.00 - $149,999.99
Min. to Earn APY: $2,500
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $10,000.00 - $24,999.99
Balance: $10,000.00 - $24,999.99
Balance: $10,000.00 - $24,999.99
Balance: $10,000.00 - $24,999.99
Balance: $500,000 and above
Balance: $0.00 - $9,999.99
Balance: $0.00 - $9,999.99
Balance: $0.00 - $9,999.99
Balance: $0.00 - $9,999.99
Balance: $250,000-$499,999
Balance: $100,000-$249,999
Standard interest rate tier. APYs may vary by location. Restrictions apply.
- Oct 7, 20260.05%▼ from 3.40%
- Oct 4, 20263.40%first recorded
Balance: $10,000-$24,999.99
Balance: $0.01-$9,999.99
Balance: $0 - $9,999.99
Promotional boosted APY with promo code UFB75 for up to 6 months after account opening; offer ends 10/31/26; after the boost period the account earns the standard rate; no monthly maintenance fee with a $5,000.00 balance, otherwise $10.00 per month
- Oct 14, 20264.01%▲ from 3.26%
- Sep 24, 20263.26%first recorded
NEW MONEY ONLY
Balance: $24,999.00 & Below
- Oct 7, 20263.52%▲ from 3.02%
- Oct 2, 20263.02%▼ from 3.52%
- Sep 24, 20263.52%▲ from 3.02%
- Sep 18, 20263.02%▼ from 3.05%
Preferred rates; New money is required to qualify for preferred rates.
Preferred rates; New money required to qualify for preferred rates.
Balance: $1,000,000 - $9,999,999.99
Balance: All Balances; Interest compounded daily; Open online; $5 monthly fee if you receive paper statements
Balance: $0 to $9,999.99
Annual Percentage Yield (APY). FDIC-insured up to the maximum allowed by law.
Balance: $24,999.01 & Above
- Oct 7, 20263.02%▼ from 3.52%
- Oct 2, 20263.52%▲ from 3.42%
- Sep 18, 20263.42%▼ from 3.45%
- Sep 9, 20263.45%first recorded
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.
Santa Ana, CA Money Market Rate Trends
Compare local Santa Ana, 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 fell 0.019 points over the past 7 days to 3.210% APY.
California standard MMA rates fell 0.013 points over the past 7 days to 0.381% APY.
Santa Ana, California Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current CA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current CA high-yield money market average of 3.210% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Santa Ana, California.
Money Market Account Earnings in Santa Ana, California
Annual interest earnings at current CA average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.210% APY) | Monthly Earnings | Standard MMA (0.381% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $321.00 / year | $26.75 | $38.10 / year | $3.18 |
| $25,000 | $802.50 / year | $66.88 | $95.25 / year | $7.94 |
| $50,000 | $1,605.00 / year | $133.75 | $190.50 / year | $15.88 |
| $100,000 | $3,210.00 / year | $267.50 | $381.00 / year | $31.75 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Santa Ana, California money market rate averages as of October 14, 2026. | ||||
About Our Santa Ana, California Money Market Rate Database
MonitorBankRates found 7 institutions with branches in Santa Ana (3 banks, 4 credit unions), plus 43 additional state-chartered and national online institutions available to Santa Ana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Infinity Bank offers a money market account at 4.50% APY. Use the rate table above to compare all current offers in Santa Ana, California.
How to Find the Best Money Market Rates in Santa Ana, California
What to compare when shopping for a money market account in Santa Ana, California
To find the best money market APYs in Santa Ana, California, start with credit unions and online-only banks: Santa Ana, California has 40 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current CA high-yield money market average is 3.210% but top local institutions are offering as high as 4.50%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Santa Ana, California high-yield money market rates currently average 3.210% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Santa Ana, California institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 50 institutions in Santa Ana, California report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Santa Ana, California CD rates
- You don’t need check writing and want a lower minimum Santa Ana, California savings rates
- You need daily transaction access Santa Ana, California checking rates
Santa Ana, California Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
11.4% of residents are 65 or older, below the national average of 17.3%. At today’s CA high-yield money market average of 3.210%, saving 10% of the local median salary ($3,587/year) would earn an additional $115 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Santa Ana, California Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Santa Ana, California.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CA Avg APY | 3.210% | View Savings Rates | 0.381%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Santa Ana, California averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Santa Ana, California Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Santa Ana, California rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Santa Ana, California
At CA’s top money market rate of 4.50% from Infinity Bank, a $10,000 deposit earns $450 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Santa Ana, California earner is roughly $9,000. At 3.210% APY in a money market account, saving $750/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountCalifornia’s high-yield money market average is 3.210% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Santa Ana, California earner makes $35,871/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.210% APY.
Retirement PlannerA $25,000 money market balance earning 3.210% APY grows to roughly $47,030 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Santa Ana, 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 Santa Ana, 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 Santa Ana, 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 Santa Ana, California
What is a Money Market Account (MMA)?
Are Money Market accounts in Santa Ana, California safe?
How often do MMA rates change in Santa Ana, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Santa Ana, California?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Santa Ana, California for money market accounts?
Best Money Market Rates in Santa Ana, California
- Infinity Bank
Infinity Advantage Money Market Account: 4.50% APY - Baxter Credit Union
Money Market Special: 3.50% APY - UNIFY Financial Federal Credit Union
Premier Money Market: 3.45% APY - US Bank
Elite Money Market Account: 3.40% APY - Eagle Community Credit Union
Premier Business Money Market: 3.00% APY
Santa Ana, California Rates & Resources
