Vacaville, California Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Vacaville, California and the surrounding area money market deposit account rates include Travis Credit UnionTravis Credit Union2010 Peabody Rd, Vacaville, CA 95687A+5.0 ★Texas Ratio: 4.40%Real return: +1.05%APY minus 2.8% CPI (February 2026) Diamond Money Market at 3.85% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union196 Nut Tree Pkwy Ste L, Vacaville, CA 95687 3237A+5.0 ★Texas Ratio: 4.78%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Savings Account at 3.50% APY, Valley Strong Credit UnionValley Strong Credit Union151 Elmira Rd, Vacaville, CA 95687 4700A-5.0 ★Texas Ratio: 14.80%Real return: -0.55%APY minus 2.8% CPI (February 2026) Premier Money Market Account at 2.25% APY, Noble Federal Credit UnionNoble Federal Credit UnionA+5.0 ★Texas Ratio: 3.85%Real return: +3.20%APY minus 2.8% CPI (February 2026) Reverse Money Market at 6.00% APY, and 1st Northern California Credit Union1st Northern California Credit UnionA+5.0 ★Texas Ratio: 0.14%Real return: +2.59%APY minus 2.8% CPI (February 2026) 1st Class Money Market Accounts at 5.39% APY. Money market rates as of September 22, 2026 according to verified data from MonitorBankRates.
Vacaville has 3 local institutions in our database, with money market rates as high as 3.85% APY from Travis Credit Union at 2010 Peabody Rd, Vacaville, CA 95687. 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 Vacaville, California and surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Money Market Rates Today in Vacaville, California & the Surrounding Area
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); Balance: $250,000 OR MORE
Balance: $0 OR MORE
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); Balance: $50,000-$249,999.99
Balance: $0 TO $1,000
Balance: $0 TO $1,000
Apply Online
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); Balance: $0-$49,999.99
Apply Online
Balance: $250,000.00 OR MORE
Balance: $100,000.00 - $249,999.99
Balance: $50,000.00 - $99,999.99
2.25% annual percentage yield (APY) is based on a dividend rate of 2.225%. Offer is valid as of 05/01/2026. Fees may reduce earnings. This is a variable account. Valley Strong Membership is required. Offer and rates are subject to change at any time.
2.05% annual percentage yield (APY) is based on a dividend rate of 2.031%. Offer is valid as of 03/01/2026. Fees may reduce earnings. This is a variable account. Valley Strong Membership is required. Offer and rates are subject to change at any time.
Balance: $25,000.00 - $49,999.99
Balance: $1,000.01 - $3,000
Balance: $1,000.01 - $3,000
Apply Online
Apply Online
Balance: $100,000 OR MORE
Balance: $500,000.00 and over
Balance: $3,000.01 - $5,000
Balance: $3,000.01 - $5,000
Balance: $250,000.00 - $499,999.99
Balance: $75,000 OR MORE
Balance: $100,000.00 - $249,999.99
Balance: $50,000.00 - $99,999.99
Balance: $0 TO $99,999.99
Balance: $0 - $24,999.99
Balance: $10,000.00 - $49,999.99
Balance: $50,000 - $74,999.99
Balance: $7,500 - $24,999.99
Balance: $1,000.00 - $9,999.99
Balance: $0 - $7,499.99
Apply Online
Balance: $100
Balance: $0.00 - 24,999.99
Balance: $1.00 - $2,500.00
Today's Rate - Valid 09/22/2026. If the average daily balance falls below $2,500, the account will be charged $10.00, monthly.
APY is a variable rate. Fees may reduce earnings. To earn dividends and: (1) an active checking account at RCU. To be considered active, checking account must have a minimum of 3 transactions per month (excluding 24-Hour Telephone Teller, fee or dividend posting transactions); (2) a minimum monthly digital deposit of $500 or more into account; (3) an active credit card at RCU. To be considered active, credit card must be in good standing and have a minimum monthly activity 10 transactions or $500 or more in advances; and (4) an open loan at RCU in good standing, an investment account through Redwood Wealth Management with a minimum balance of $5,000 or more, or an active property and casualty insurance policy through RCU Insurance Services .
Limited-time offer
Balance: $0 -$1,000
Balance: $250,000.01 or greater; Balance: $250,000.01 or greater
Balance: $1,000,000.00+
Balance: $1,000,000.00+
Balance: $100,000.01 or >
Balance: $50,000 or more
Balance: $500,000 and over
Balance: $500,000 and over
Preferred rates; New money required
Preferred rates; New money required
Balance: $1,000,000 - $9,999,999.99
Balance: $500,000
Balance: $100,000.01 - $250,000; Balance: $100,000.01 - $250,000
Balance: $24,999.01 & Above
Balance: $2,500.01 - $5,000.00
Balance: $24,999.00 & Below
Balance Tiers $0 - $9,999.99 | 0.05% APY $10,000 - $99,999.99 | 2.60% APY $100,000 + | 2.80% APY
Balance Tiers $0 - $9,999.99 | 0.05% APY $10,000 - $99,999.99 | 2.60% APY $100,000 + | 2.80% APY
Balance: $25,000 +
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.
Vacaville, CA Money Market Rate Trends
Compare local Vacaville, 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 rose 0.008 points over the past 7 days to 3.063% APY.
California standard MMA rates fell 0.042 points over the past 7 days to 0.731% APY.
Vacaville, 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 2026–2027.
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 3.063% 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 60–90 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 Vacaville, California.
Money Market Account Earnings in Vacaville, 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 (3.063% APY) | Monthly Earnings | Standard MMA (0.731% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.26 / year | $25.52 | $73.07 / year | $6.09 |
| $25,000 | $765.65 / year | $63.80 | $182.68 / year | $15.22 |
| $50,000 | $1,531.30 / year | $127.61 | $365.35 / year | $30.45 |
| $100,000 | $3,062.60 / year | $255.22 | $730.70 / year | $60.89 |
| 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: Vacaville, California money market rate averages as of September 23, 2026. | ||||
About Our Vacaville, California Money Market Rate Database
MonitorBankRates found 3 institutions with branches in Vacaville, plus 53 additional state-chartered and national online institutions available to Vacaville 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 (1–5), 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: Travis Credit Union offers a money market account at 3.85% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Vacaville, California.
How to Find the Best Money Market Rates in Vacaville, California
What to compare when shopping for a money market account in Vacaville, California
To find the best money market APYs in Vacaville, California, start with credit unions and online-only banks: Vacaville, California has 47 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–$25,000, with lower rates (or monthly fees) below that threshold. The current CA high-yield money market average is 3.063% but top local institutions are offering as high as 3.85%, 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. Vacaville, California high-yield money market rates currently average 3.063% 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 Vacaville, California institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 56 institutions in Vacaville, 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 → Vacaville, California CD rates
- You don’t need check writing and want a lower minimum → Vacaville, California savings rates
- You need daily transaction access → Vacaville, California checking rates
Vacaville, California Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.7% of residents are 65 or older, below the national average of 17.3%. At today’s CA high-yield money market average of 3.063%, saving 10% of the local median salary ($5,366/year) would earn an additional $164 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Vacaville, California Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Vacaville, California.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CA Avg APY | 3.063% | View Savings Rates | 0.731%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $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 Vacaville, California averages tracked in our database as of September 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Vacaville, 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 Vacaville, 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 Vacaville, California
At CA’s top money market rate of 3.85% from Travis Credit Union, a $10,000 deposit earns $385 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Vacaville, California earner is roughly $13,400. At 3.063% APY in a money market account, saving $1,120/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 3.063% 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 Vacaville, California earner makes $53,669/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.063% APY.
Retirement PlannerA $25,000 money market balance earning 3.063% APY grows to roughly $45,705 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 Vacaville, 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 Vacaville, 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 Vacaville, 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 Vacaville, California
What is a Money Market Account (MMA)?
Are Money Market accounts in Vacaville, California safe?
How often do MMA rates change in Vacaville, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Vacaville, 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 Vacaville, California for money market accounts?
Best Money Market Rates in Vacaville, California
- Travis Credit Union
Diamond Money Market: 3.85% APY - The Golden 1 Credit Union
Money Market Savings Account: 3.50% APY - Valley Strong Credit Union
Premier Money Market Account: 2.25% APY - Noble Federal Credit Union
Reverse Money Market: 6.00% APY - 1st Northern California Credit Union
1st Class Money Market Accounts: 5.39% APY
Vacaville, California Rates & Resources
