Chico, California (CA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Chico, California and the surrounding area include The Golden 1 Credit UnionThe Golden 1 Credit Union239 W 2nd St Ste 1, Chico, CA 95928A+5.0 ★Texas Ratio: 5.42% Money Market Savings at 3.50% APY, Banner BankBanner Bank2485 Notre Dame Blvd, Chico, CA 95928A+5.0 ★Texas Ratio: 1.69% High Yield Relationship Savings at 2.63% APY, Sierra Central Credit UnionSierra Central Credit Union352 E 1st St, Chico, CA 95928 5402A+5.0 ★Texas Ratio: 2.50% IRA Savings at 1.00% APY, Wells FargoWells Fargo355 Memorial Way, Chico, CA 95926A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY, and Members 1st Credit Union Redding, CAMembers 1st Credit Union Redding, CA550 Salem St, Chico, CA 95928 5795A+5.0 ★Texas Ratio: 0.84% Savings at 0.05% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Chico, California, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Chico, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Chico, California and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Chico, California & Surrounding Communities
Minimum opening balance of $25,000 must be new money to Banner Bank. A Banner Bank checking account is required to open a High Yield Relationship Savings account.
If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
Qualifying balance up to $500.00
Qualifying balance up to $5,000.00
Qualifying balance up to $5000
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
Qualifying balance up to $500.00
Qualifying balance up to $2,500.00
Qualifying balance up to $10,000.00
when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Qualifying balance up to $25,000.00
Earn 10x the National Average2
New account APY3; This account is not available to open through our financial centers; it can only be opened online or by calling our client solutions team.
$25 Bonus
Terms and Conditions apply.
Online Only
RELATIONSHIP
Online account opening required
guaranteed through June 30, 2026
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.
Chico, CA Savings Rate Trends
Compare local Chico, CA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California high-yield savings rates fell 2.821 points this week to 0.193% APY, down from 3.015% last week.
California standard savings rates rose 0.126 points this week to 0.581% APY, up from 0.455% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Chico, 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 savings 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 Chico, California. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Chico, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Chico, California safe?
How often do savings rates change in Chico, California?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Chico, California?
How do I open a savings account in Chico, California?
Best Savings Rates in Chico, California
- The Golden 1 Credit Union
Money Market Savings — 3.50% APY - Banner Bank
High Yield Relationship Savings — 2.63% APY - Sierra Central Credit Union
IRA Savings — 1.00% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY - Members 1st Credit Union Redding, CA
Savings — 0.05% APY
