Folsom, 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 Folsom, California and the surrounding area include Poppy BankPoppy Bank2760 E Bidwell Street, Folsom, CA 95630A5.0 ★Texas Ratio: 9.79% Poppy Blooms Youth Savings Account at 3.75% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union1117 E Bidwell St, Folsom, CA 95630 5538A+5.0 ★Texas Ratio: 5.42% Money Market Savings Account at 3.50% APY, SAFE Credit UnionSAFE Credit Union2740 E Bidwell St, Folsom, CA 95630A+5.0 ★Texas Ratio: 2.87% Young Member Savings at 3.30% APY, Banner BankBanner Bank701 E Bidwell St, Folsom, CA 95630A+5.0 ★Texas Ratio: 1.69% High Yield Relationship Savings at 2.63% APY, and Heritage Community Credit UnionHeritage Community Credit Union13385 Folsom Blvd Ste 200, Folsom, CA 95630 8004A+5.0 ★Texas Ratio: 5.33% IRA Savings at 1.00% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Folsom, 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 Folsom, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Folsom, California and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Folsom, California & Surrounding Communities
$25 Bonus
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.
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.
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.
If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.
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
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
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.
Folsom, CA Savings Rate Trends
Compare local Folsom, 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 Folsom, 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 Folsom, 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 Folsom, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Folsom, California safe?
How often do savings rates change in Folsom, 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 Folsom, California?
How do I open a savings account in Folsom, California?
Best Savings Rates in Folsom, California
- Poppy Bank
Poppy Blooms Youth Savings Account — 3.75% APY - The Golden 1 Credit Union
Money Market Savings Account — 3.50% APY - SAFE Credit Union
Young Member Savings — 3.30% APY - Banner Bank
High Yield Relationship Savings — 2.63% APY - Heritage Community Credit Union
IRA Savings — 1.00% APY
