Citrus Heights, California (CA) Savings Rates - March 2026
Brian McKay
Brian McKay
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The best savings rates for Citrus Heights, California and the surrounding area include Ukrainian Federal Credit UnionUkrainian Federal Credit Union7084 Auburn Blvd Ste 100, Citrus Heights, CA 95621 4334A5.0 ★Texas Ratio: 10.45% Personal Share Draft at 4.00% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union5901 Sunrise Blvd, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 5.42% Money Market Savings at 3.50% APY, SAFE Credit UnionSAFE Credit Union7475 Madison Ave, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 2.87% Business Savings at 3.30% APY, Patelco Credit UnionPatelco Credit Union6100 Birdcage Lane Suite 125, Citrus Heights, CA 95610A+5.0 ★Texas Ratio: 4.87% Health Savings Accounts at 0.25% APY, and El Dorado Savings BankEl Dorado Savings Bank7895 Lichen Dr, Citrus Heights, CA 95621A+5.0 ★Texas Ratio: 0.48% Gold Money Market Savings at 0.10% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Citrus Heights, 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 Citrus Heights, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Citrus Heights, California and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Citrus Heights, California & Surrounding Communities
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
Qualifications Required: Perfect Cents Checking account established under the same tax reporting owner of the savings account; be enrolled in eStatements; have a minimum of 10 debit and/or credit card purchase transactions post and settle each month; Qualifying balance up to $1,000.00
Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time.
Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time.
Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time.
Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026.
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
LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period.
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.
Terms and Conditions apply.
$25 Bonus
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.
Citrus Heights, CA Savings Rate Trends
Compare local Citrus Heights, 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 3.366 points this week to 0.193% APY, down from 3.559% last week.
California standard savings rates rose 0.018 points this week to 0.607% APY, up from 0.589% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Citrus Heights, 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 Citrus Heights, 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 Citrus Heights, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Citrus Heights, California safe?
How often do savings rates change in Citrus Heights, 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 Citrus Heights, California?
How do I open a savings account in Citrus Heights, California?
Best Savings Rates in Citrus Heights, California
- Ukrainian Federal Credit Union
Personal Share Draft — 4.00% APY - The Golden 1 Credit Union
Money Market Savings — 3.50% APY - SAFE Credit Union
Business Savings — 3.30% APY - Patelco Credit Union
Health Savings Accounts — 0.25% APY - El Dorado Savings Bank
Gold Money Market Savings — 0.10% APY
Citrus Heights, California Rates & Resources
