Sacramento, California (CA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best savings rates for Sacramento, California and the surrounding area include Meriwest Credit UnionMeriwest Credit Union1100 N Market Blvd, Sacramento, CA 95834A5.0 ★Texas Ratio: 9.41% Premier Savings at 4.50% APY, First Us Community Credit UnionFirst Us Community Credit Union2150 Watt Ave, Sacramento, CA 95825A+5.0 ★Texas Ratio: 1.60% Smart Start Savings at 4.00% APY, Poppy BankPoppy Bank3660 Crocker Drive, Sacramento, CA 95818A5.0 ★Texas Ratio: 9.79% Poppy Blooms Youth Savings Account at 3.75% APY, First Foundation BankFirst Foundation Bank1601 Response Rd, Sacramento, CA 95815A+5.0 ★Texas Ratio: 1.45% Online Savings at 3.75% APY, and The Golden 1 Credit UnionThe Golden 1 Credit Union8945 Cal Center Dr, Sacramento, CA 95826 3239A+5.0 ★Texas Ratio: 5.42% Money Market Savings at 3.50% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Sacramento, 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 Sacramento, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Sacramento, California and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Sacramento, 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%.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $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.
Sacramento, CA Savings Rate Trends
Compare local Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Sacramento, California safe?
How often do savings rates change in Sacramento, 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 Sacramento, California?
How do I open a savings account in Sacramento, California?
Best Savings Rates in Sacramento, California
- Meriwest Credit Union
Premier Savings — 4.50% APY - First Us Community Credit Union
Smart Start Savings — 4.00% APY - Poppy Bank
Poppy Blooms Youth Savings Account — 3.75% APY - First Foundation Bank
Online Savings — 3.75% APY - The Golden 1 Credit Union
Money Market Savings — 3.50% APY
