Richmond, California (CA) Savings Rates - March 2026
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Brian McKay
Brian McKay
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Editorial Disclosure
The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Richmond, California and the surrounding area include Chevron Federal Credit UnionChevron Federal Credit Union200 Chevron Way Rm 10 2114, Richmond, CA 94801A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY, Travis Credit UnionTravis Credit Union3300 Klose Way Ste A, Richmond, CA 94806A+5.0 ★Texas Ratio: 5.39% Jumbo Plus MMA at 2.45% APY, 1st Northern California Credit Union1st Northern California Credit Union2500 Nevin Ave, Richmond, CA 94804A+5.0 ★Texas Ratio: 0.24% Share Savings Accounts at 0.25% APY, Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1221 Nevin Ave, Richmond, CA 94801 3123A+5.0 ★Texas Ratio: 3.66% Share Account at 0.10% APY, and Wells FargoWells Fargo700 Jackson St, Richmond, TX 77469A5.0 ★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 Richmond, 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 Richmond, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Richmond, California and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Richmond, California & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
200 Chevron Way Rm 10 2114, Richmond, CA 94801
MySavings Youth
7.00%
$0
▼
Rate6.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Jumbo Plus MMA
2.45%
$1,000
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Jumbo Plus MMA
2.35%
$1,000
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Jumbo Plus MMA
2.30%
$1,000
▼
Rate2.28%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Jumbo Plus MMA
1.95%
$1,000
▼
Rate1.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
200 Chevron Way Rm 10 2114, Richmond, CA 94801
Primary Share Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Health Savings Accounts (HSA)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Minimum Initial Deposit $50
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Jumbo Plus MMA
0.25%
$1,000
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
2500 Nevin Ave, Richmond, CA 94804
Share Savings Accounts
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
2500 Nevin Ave, Richmond, CA 94804
Share Savings Accounts
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Business Share Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Minimum Initial Deposit: $5.00
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Target Share Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Prime Share Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1221 Nevin Ave, Richmond, CA 94801 3123
Share Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Business Share Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Minimum Initial Deposit: $5.00
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Prime Share Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Target Share Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Coverdell Educational Savings Account (CESA)
0.05%
$200
▼
Rate0.05%
Min Deposit$200
Min Balance—
UpdatedMar 22, 2026
Details
Minimum Initial Deposit $200
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
700 Jackson St, Richmond, TX 77469
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Prime Share Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Target Share Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1221 Nevin Ave, Richmond, CA 94801 3123
Share Draft Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Business Share Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Minimum Initial Deposit: $5.00
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
700 Jackson St, Richmond, TX 77469
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
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3288 Pierce St, Richmond, CA 94804
Student Savings
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3288 Pierce St, Richmond, CA 94804
Statement Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3288 Pierce St, Richmond, CA 94804
Student Savings
0.03%
$10
▼
Rate0.03%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
3288 Pierce St, Richmond, CA 94804
Statement Savings
0.03%
$100
▼
Rate0.03%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
700 Jackson St, Richmond, TX 77469
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
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
700 Jackson St, Richmond, TX 77469
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%
700 Jackson St, Richmond, TX 77469
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
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Target Share Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Health Savings Accounts (HSA)
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Minimum Initial Deposit $50
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3300 Klose Way Ste A, Richmond, CA 94806
Business Share Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Minimum Initial Deposit: $5.00
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 14, 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
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 20, 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
Sterling Bank and Trust, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
400 Montgomery St Ste 100, San Francisco, CA 94104
EverBank Performance Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
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.
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1912 W Sunset Blvd, Los Angeles, CA 90026
New Year Flexible Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Terms and Conditions apply.
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
Poppy Blooms Youth Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$25 Bonus
First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
40865 Big Bear Blvd, Big Bear Lake, CA 92315
Online Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
L A MISSION
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
601 S Brand Blvd Ste 100, San Fernando, CA 91340 4060
Share Loans
3.49%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
42035 Washington St, Palm Desert, CA 92211
Bloom Savings Account
3.35%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
69306 N Main St, Richmond, MI 48062
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3540 Wilshire Blvd, Los Angeles, CA 90010
WooriWON Savings
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
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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.
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.
Richmond, CA Savings Rate Trends
Compare local Richmond, 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.
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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, California?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Richmond, California offer in-person customer service, which some customers prefer.
How do I open a savings account in Richmond, 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 Richmond, California
Here are recent savings rates observed in Richmond, California and the surrounding area:
- Chevron Federal Credit Union
MySavings Youth — 7.00% APY - Travis Credit Union
Jumbo Plus MMA — 2.45% APY - 1st Northern California Credit Union
Share Savings Accounts — 0.25% APY - Sun Pacific Federal Credit Union
Share Account — 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 Richmond, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
