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California Savings Rate Trends

Grass Valley, California (CA) Savings Rates - March 2026

The best savings rates for Grass Valley, California and the surrounding area include First Us Community Credit UnionFirst Us Community Credit Union2090 Nevada City Hwy, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 1.60% Smart Start Savings at 4.00% APY, Banner BankBanner Bank115 W Mcknight Way, Grass Valley, CA 95949A+5.0 ★Texas Ratio: 1.69% High Yield Relationship Savings at 2.63% APY, Sierra Central Credit UnionSierra Central Credit Union1000 Plaza Dr, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 2.50% IRA Savings at 1.00% APY, El Dorado Savings BankEl Dorado Savings Bank1751 E Main St, Grass Valley, CA 95945A+5.0 ★Texas Ratio: 0.48% Gold Money Market Savings at 0.10% APY, and Wells FargoWells Fargo214 Mill St, Grass Valley, CA 95945A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Grass Valley, 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 Grass Valley, California (CA) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Grass Valley, California and the surrounding area. Last Updated and Verified: March 27, 2026

Compare the Best Savings Rates in Grass Valley, California & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Smart Start Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
115 W Mcknight Way, Grass Valley, CA 95949
High Yield Relationship Savings
2.63%
$25,000
Rate0.00%
Min Deposit$25,000
Min Balance
UpdatedMar 25, 2026
Details

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.

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
115 W Mcknight Way, Grass Valley, CA 95949
High Yield Relationship Savings
2.58%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
115 W Mcknight Way, Grass Valley, CA 95949
High Yield Relationship Savings
2.53%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
115 W Mcknight Way, Grass Valley, CA 95949
High Yield Relationship Savings
2.28%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Money Market Savings
2.15%
$2,000
Rate2.13%
Min Deposit$2,000
Min Balance
UpdatedMar 23, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
115 W Mcknight Way, Grass Valley, CA 95949
High Yield Relationship Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Money Market Savings
1.95%
$2,000
Rate1.93%
Min Deposit$2,000
Min Balance
UpdatedMar 23, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Money Market Savings
1.70%
$2,000
Rate1.69%
Min Deposit$2,000
Min Balance
UpdatedMar 23, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Money Market Savings
1.65%
$2,000
Rate1.64%
Min Deposit$2,000
Min Balance
UpdatedMar 23, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
115 W Mcknight Way, Grass Valley, CA 95949
High Yield Relationship Savings
1.51%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Smart Start Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1000 Plaza Dr, Grass Valley, CA 95945
IRA Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Money Market Savings
0.65%
$2,000
Rate0.65%
Min Deposit$2,000
Min Balance
UpdatedMar 23, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Smart Start Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
115 W Mcknight Way, Grass Valley, CA 95949
High Yield Relationship Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Gold Money Market Savings
0.10%
$5,000
Rate0.10%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Prime Savings
0.10%
$5
Rate0.10%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Business Money Market Savings
0.10%
$5,000
Rate0.10%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Dream Savings
0.10%
$1
Rate0.10%
Min Deposit$1
Min Balance
UpdatedMar 23, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
IRA Shares
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Health Savings Account (HSA)
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Gold Money Market Savings
0.09%
$5,000
Rate0.09%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Smart Start Savings
0.08%
$0
Rate0.08%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Business Money Market Savings
0.08%
$5,000
Rate0.08%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Gold Money Market Savings
0.08%
$5,000
Rate0.08%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1000 Plaza Dr, Grass Valley, CA 95945
Membership, Regular, & Minor Savings
0.07%
$100
Rate0.07%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Gold Money Market Savings
0.06%
$5,000
Rate0.06%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Business Money Market Savings
0.06%
$5,000
Rate0.06%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Sierra Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1000 Plaza Dr, Grass Valley, CA 95945
Membership, Regular, & Minor Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Dream Savings
0.05%
$1
Rate0.05%
Min Deposit$1
Min Balance
UpdatedMar 23, 2026
Details

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Prime Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
214 Mill St, Grass Valley, CA 95945
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
214 Mill St, Grass Valley, CA 95945
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2090 Nevada City Hwy, Grass Valley, CA 95945
Youth Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Gold Money Market Savings
0.04%
$5,000
Rate0.04%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Business Money Market Savings
0.04%
$5,000
Rate0.04%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Gold Money Market Savings
0.03%
$5,000
Rate0.03%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Regular Savings
0.03%
$100
Rate0.03%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Business Money Market Savings
0.02%
$5,000
Rate0.02%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
214 Mill St, Grass Valley, CA 95945
Platinum Savings
0.02%
$25
Rate0.02%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Business Money Market Savings
0.01%
$5,000
Rate0.01%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
214 Mill St, Grass Valley, CA 95945
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
214 Mill St, Grass Valley, CA 95945
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Business Money Market Savings
0.00%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1751 E Main St, Grass Valley, CA 95945
Gold Money Market Savings
0.00%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
MySavings Youth
7.00%
$0
Rate6.77%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
Summer Safeguard Savings
6.60%
$0
Rate6.44%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Summer Savings Accounts
6.50%
$0
Rate6.30%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
Youth Savings
6.18%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Hello Summer Savings
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1800 BROADVIEW DR, GLENDALE, CA 91208
Summertime Savings
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Summertime Savings for School Employees
6.00%
$0
Rate5.83%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA 93436 1404
Early Savers Shares
5.64%
$10
Rate0.00%
Min Deposit$10
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $500.00

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA 90241 3718
Elevate Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA 92821 5819
Harvest High-Yield Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
LevelUp Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Earn 10x the National Average2

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3992 Douglas Blvd, Roseville, CA 95661
Kids Cash Savings
4.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
LevelUp Savings account
4.00%
$250
Rate0.00%
Min Deposit$250
Min Balance
UpdatedMar 27, 2026
Details

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.

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.

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.

Grass Valley, CA Savings Rate Trends

Compare local Grass Valley, 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.

View Full California Savings Trends →
High-Yield Savings — CA Avg
0.193%
▼ 3.366 from last week

California high-yield savings rates fell 3.366 points this week to 0.193% APY, down from 3.559% last week.

Standard Savings — CA Avg
0.581%
▼ 0.431 from last week

California standard savings rates fell 0.431 points this week to 0.581% APY, down from 1.013% last week.

As of Mar 27, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Grass Valley, 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 Grass Valley, 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 Grass Valley, California

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in California, help your money grow faster through a higher APY.

Are savings accounts in Grass Valley, California safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in California up to $250,000 per depositor, per institution.

How often do savings rates change in Grass Valley, California?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local California rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Grass Valley, California may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Grass Valley, California?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Grass Valley, California offer in-person customer service, which some customers prefer.

How do I open a savings account in Grass Valley, California?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Grass Valley, California

Here are recent savings rates observed in Grass Valley, California and the surrounding area:
  • First Us Community Credit Union
    Smart Start Savings — 4.00% APY
  • Banner Bank
    High Yield Relationship Savings — 2.63% APY
  • Sierra Central Credit Union
    IRA Savings — 1.00% APY
  • El Dorado Savings Bank
    Gold Money Market Savings — 0.10% APY
  • Wells Fargo
    Retirement High Yield Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Grass Valley, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026