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California Savings Rate Trends

Los Altos, California (CA) Savings Rates - March 2026

The best savings rates for Los Altos, California and the surrounding area include Poppy BankPoppy Bank400 Main St, Los Altos, CA 94022A5.0 ★Texas Ratio: 9.79% Poppy Blooms Youth Savings Account at 3.75% APY, Star One Credit UnionStar One Credit Union495 S San Antonio Rd, Los Altos, CA 94022 3618A+5.0 ★Texas Ratio: 0.72% Sub-Savings Account at 3.51% APY, Exchange BankExchange Bank1 1st St, Los Altos, CA 94022A+5.0 ★Texas Ratio: 2.21% Signature Plus Savings Platinum at 0.23% APY, Wells FargoWells Fargo100 Main St, Los Altos, CA 94022A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY, and Chevron Federal Credit UnionChevron Federal Credit Union2600 Camino Ramon Ste CF120, San Ramon, CA 94583A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Los Altos, California and the surrounding area. Last Updated and Verified: March 28, 2026

Compare the Best Savings Rates in Los Altos, California & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
400 Main St, Los Altos, CA 94022
Poppy Blooms Youth Savings Account
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

$25 Bonus

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
495 S San Antonio Rd, Los Altos, CA 94022 3618
Sub-Savings Account
3.51%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
495 S San Antonio Rd, Los Altos, CA 94022 3618
Money Market Savings Account
3.51%
$50
Rate3.45%
Min Deposit$50
Min Balance
UpdatedMar 15, 2026
Details

APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Fees may reduce earnings.

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
400 Main St, Los Altos, CA 94022
Poppy Premier Business Savings
0.50%
$0
Rate0.49%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Platinum
0.23%
$0
Rate0.23%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Gold
0.22%
$0
Rate0.22%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Silver
0.21%
$0
Rate0.21%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Platinum
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Gold
0.19%
$0
Rate0.19%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Platinum
0.18%
$0
Rate0.18%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Silver
0.18%
$0
Rate0.18%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings
0.17%
$0
Rate0.17%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Gold
0.17%
$0
Rate0.17%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Silver
0.16%
$0
Rate0.16%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Everyday Savings
0.13%
$0
Rate0.13%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Platinum

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Personal Savings and Money Market Platinum
0.13%
$0
Rate0.13%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Premier Plus Rewards Program

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Platinum
0.13%
$0
Rate0.13%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Gold
0.12%
$0
Rate0.12%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Personal Savings and Money Market Gold
0.12%
$0
Rate0.12%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Premier Plus Rewards Program

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Everyday Savings
0.12%
$0
Rate0.12%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Gold

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Everyday Savings
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Silver

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Personal Savings and Money Market Silver
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Premier Plus Rewards Program

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings Silver
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
400 Main St, Los Altos, CA 94022
Poppy Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Business Savings & Public Funds Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Everyday Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
1 1st St, Los Altos, CA 94022
Signature Plus Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 Main St, Los Altos, CA 94022
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 Main St, Los Altos, CA 94022
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%
100 Main St, Los Altos, CA 94022
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

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 28, 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

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Ministry Harvest Savings Daily Balance
5.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 28, 2026
Details

$0-$5,000

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Harvest Savings
5.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $5,000.00

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Business Harvest High-Yield Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
265 Curtner Ave, San Jose, CA 95125
Go Savings
5.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

Qualifying balance up to $2,500.00

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
19867 Prairie St, Chatsworth, CA 91311 6532
Youth Smart Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA 90068
First500 Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $500.00

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA 90068
First500 Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA 92840 5809
Next Gen Savings
5.00%
$5
Rate5.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $5000

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

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

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
Premier Savings
4.50%
$0
Rate4.40%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
Premier Savings for New Members
4.50%
$0
Rate4.40%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA 90024
FREEDOM DIRECT SAVINGS
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Direct Deposit to a new or existing Justice Federal Checking Account.

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
7084 Auburn Blvd Ste 100, Citrus Heights, CA 95621 4334
High Dividend Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
7084 Auburn Blvd Ste 100, Citrus Heights, CA 95621 4334
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Stanford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1860 Embarcadero Rd, Palo Alto, CA 94303 3335
Youth Savings Account
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $5,000

San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
1080 W SHAW AVE STE 109, FRESNO, CA 93711
REGULAR SHARE ACCOUNT
4.00%
$5
Rate4.00%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
High-Yield Savings Balance 1
4.00%
$50,000
Rate3.94%
Min Deposit$50,000
Min Balance
UpdatedMar 16, 2026
Details

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.

Los Altos, CA Savings Rate Trends

Compare local Los Altos, 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
0.607%
▲ 0.018 from last week

California standard savings rates rose 0.018 points this week to 0.607% APY, up from 0.589% last week.

As of Mar 28, 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 Los Altos, 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 Los Altos, 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 Los Altos, 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 Los Altos, 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 Los Altos, 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 Los Altos, 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 Los Altos, California?

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

How do I open a savings account in Los Altos, 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 Los Altos, California

Here are recent savings rates observed in Los Altos, California and the surrounding area:
  • Poppy Bank
    Poppy Blooms Youth Savings Account — 3.75% APY
  • Star One Credit Union
    Sub-Savings Account — 3.51% APY
  • Exchange Bank
    Signature Plus Savings Platinum — 0.23% APY
  • Wells Fargo
    Platinum Savings — 0.05% APY
  • Chevron Federal Credit Union
    MySavings Youth — 7.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Los Altos, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026