San Francisco, California Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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San Francisco, California savings account rates range from 0.05% to 4.20% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for San Francisco, California and the surrounding area include EverBankEverBank400 Montgomery St, San Francisco, CA 94104A+5.0 ★Texas Ratio: 5.00%Real return: +1.40%APY minus 2.8% CPI (February 2026) Performance Savings at 4.20% APY, Happen BankHappen Bank595 Market St, San Francisco, CA 94105A+5.0 ★Texas Ratio: 2.06%Real return: +1.40%APY minus 2.8% CPI (February 2026) LevelUp High-Yield Savings at 4.20% APY, Poppy BankPoppy Bank1750 Fulton St, San Francisco, CA 94117B+4.8 ★Texas Ratio: 16.92%Real return: +1.20%APY minus 2.8% CPI (February 2026) Poppy Blooms Youth Savings Account at 4.00% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO300a Pine St, San Francisco, CA 94104A+5.0 ★Texas Ratio: 2.49%Real return: +1.20%APY minus 2.8% CPI (February 2026) Kids Cash Savings at 4.00% APY, and Flagstar Bank, National AssociationFlagstar Bank, National Association300 California St, San Francisco, CA 94104D3.3 ★Texas Ratio: 35.11%Real return: +1.20%APY minus 2.8% CPI (February 2026) Flagstar Ready Savings at 4.00% APY.
San Francisco has 75 local institutions in our database, with savings rates as high as 4.20% APY from EverBank at 400 Montgomery St, San Francisco, CA 94104. Use the table below to compare all available offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in San Francisco, California and the surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Savings Rates in San Francisco, California & Surrounding Communities
New accounts earn a 4.20 % APY on all balances. This is a variable rate account, and the APY may change without notice. Available exclusively online and by phone.
- Oct 7, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Qualifications Required; LevelUp Rate applies when depositing $250+ per month (statement cycle); rate applied to full balance; Standard Rate of 3.00% APY otherwise
Earn LevelUp Rate on entire balance when you deposit $250+ per month; Standard Rate of 3.00% APY otherwise
- Sep 25, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
The $25 bonus will be deposited by Poppy Bank into the Poppy Blooms Youth Savings Account upon account opening. Available for children under 18 years old. Parent/guardian oversight and access. Online and mobile banking for easy monitoring.
- Oct 2, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Balance: $.01 - $500.00
Promotional APY. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate applicable to this account type. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s) applicable to this account type. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. To qualify, you must be a new personal savings client of Flagstar Bank and open a Flagstar Ready Savings account. You must make an initial minimum opening deposit of at least $1.00. To qualify for the promotional rate, you must deposit additional funds, to maintain a balance greater than or equal to $10,000 is required and must be "new money," which is defined as money that is not currently on deposit in any Flagstar Bank account; money moved from any Flagstar Bank affiliate or subsidiary account or funded from a Flagstar/affiliate loan or line of credit does not qualify. For purposes of this offer, funds from maturing certificate of deposit accounts held at Flagstar Bank will be considered eligible. The account must remain open for the full 180-day promotional period. This offer is limited to one promotion per household. If any signer on this account has previously received a savings promotion from Flagstar Bank, you are ineligible for this offer. This offer cannot be combined with any other offers or promotions. An early account closure fee may be imposed for accounts closed within 180 days. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee eligibility. All account applications are subject to our normal approval process. Personal accounts only. Area restrictions may apply.
- Oct 6, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Balance: $0.01-$1,000.00
Balance: $0.01-$1,000.00; Highest yield on balances up to $1,000
Balance: $0.01 to $5,000.00
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Published APY range: 3.50%-4.00%. Balance: $1,000.01-$2,000.00
Balance: Daily Balance of $0.01 & Over; No minimum balance requirement to obtain APY
Balance: $500,000.00 and over; No minimum balance requirement to obtain APY
Published APY range: 3.50%-4.00%. Balance: $1,000.01-$2,000.00
- Sep 27, 20263.44%▼ from 3.50%
- Sep 18, 20263.50%first recorded
Balance: $500-$249,999.99
- Sep 27, 20263.40%▲ from 3.15%
- Sep 9, 20263.15%first recorded
Balance: $50,000 +
Balance: $1+; RELATIONSHIP: 3.10% APY
- Oct 2, 20263.10%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Balance: $500-$249,999.99
- Sep 27, 20263.02%▲ from 2.87%
- Sep 9, 20262.87%first recorded
Balance: $500-$249,999.99
- Sep 27, 20262.95%▲ from 2.70%
- Sep 9, 20262.70%first recorded
- Oct 3, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
2.80% APY for balances of $0.01 - $4,999.99; 2.80% APY for balances of $5,000 or more.
Online account opening required; Must be funded within 30 days of opening the account; $3.00 per in-branch deposit; $3.00 per in-branch withdrawal; $10.00 per paper statement request; Annual Percentage Yield (APY) is accurate as of 10/01/2026. Interest will be compounded and credited monthly. Rate for this account is variable, determined by the Bank of Guam at its sole discretion and can change before or after account opening. Fees could reduce earnings.
- Oct 3, 20262.79%▼ from 3.04%
- Sep 11, 20263.04%first recorded
Balance: $500-$249,999.99
- Sep 27, 20262.75%▲ from 2.50%
- Sep 9, 20262.50%first recorded
Balance Tiers: $0 - $49,999.99 | 2.20% APY; $50,000 + | 2.70% APY
Balance: $250,000.00-$499,999.99; No minimum balance requirement to obtain APY
Balance: $5,000.01 to $10,000.00
Published APY range: 2.15%-3.50%. Balance: $2,000.01-$5,000.00
Published APY range: 2.15%-3.50%. Balance: $2,000.01-$5,000.00
Share/IRA Accounts; APY as high as
- Oct 5, 20262.02%▲ from 1.87%
- Sep 29, 20261.87%first recorded
Balance: $0 - 49,999.99
Balance: $100,000.00-$249,999.99; No minimum balance requirement to obtain APY
Balance: $10,000.01 to $20,000.00
Balance: $100+
Balance: $50,000 and over
Earn as much as 1.00% APY for amounts up to $15,000, then regular savings dividend rate above $15,000; Balance: up to $15,000; for teachers and school district employees; disbursement paid July 31 each year
- Oct 12, 20261.00%▲ from 0.75%
- Sep 25, 20260.75%first recorded
Balance: $10,000.00-$49,999.99; No minimum balance requirement to obtain APY
Balance: $50 to $14,999.00; Dividends paid annually at maturity
Balance: $15,000 - $49,999.99
Balance: $2,500.01 and above
Business Banking; (Share) Savings Accounts; APY as high as
Balance: $0.01 to $2,500.00
- Oct 6, 20260.25%▼ from 3.75%
- Sep 24, 20263.75%first recorded
Balance: $0.01-$9,999.99
Balance: $0.01-$9,999.99
Balance: Daily Balance of $0.01 & Over; $5 minimum deposit with payroll deduction or automatic transfer; Seasonal account, matures October 31
Balance: $25.00 to $2,499.99
Balance: $20,000.01 and above
Balance: $25.00 to $2,499.99
Balance: $100,000 - $250,000
Last Updated: 02/01/2024
Balance: $100,000.00
Balance: $0 - $99.99
Balance: $25,000 - $99,999.99
Balance: $10,000.00
Published APY range: 0.10%-2.15%. Balance: $5,000.01 and over
Published APY range: 0.10%-2.15%. Balance: $5,000.01 and over
Balance: $0+
Balance: $15,000 - $75,000
Dividends paid quarterly
Balance: $15,000 and over; Dividends paid annually at maturity
Dividends paid quarterly
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.
San Francisco, CA Savings Rate Trends
Compare local San Francisco, CA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California high-yield savings rates rose 0.102 points over the past 7 days to 2.579% APY, up from 2.477%.
California standard savings rates rose 0.027 points over the past 7 days to 0.712% APY, up from 0.685%.
San Francisco, California Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current CA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current CA high-yield savings average of 2.579% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in San Francisco, California.
Savings Account Earnings in San Francisco, California
Annual interest earnings at current CA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.579% APY) | Monthly Earnings | Standard Savings (0.712% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $128.93 / year | $10.74 | $35.62 / year | $2.97 |
| $10,000 | $257.86 / year | $21.49 | $71.24 / year | $5.94 |
| $25,000 | $644.65 / year | $53.72 | $178.10 / year | $14.84 |
| $50,000 | $1,289.30 / year | $107.44 | $356.20 / year | $29.68 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: San Francisco, California savings rate averages as of October 13, 2026. | ||||
About Our San Francisco, California Savings Rate Database
MonitorBankRates found 22 institutions with branches in San Francisco (14 banks, 8 credit unions). Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: EverBank offers a savings account at 4.20% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in San Francisco, California.
How to Find the Best Savings Rates in San Francisco, California
What to compare when shopping for a savings account in San Francisco, California
To find the best savings APYs in San Francisco, California, start with credit unions and online-only banks: San Francisco, California has 8 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current CA high-yield savings average is 2.579% but top local institutions are offering as high as 4.20%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. San Francisco, California high-yield savings rates currently average 2.579% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at San Francisco, California institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 22 institutions in San Francisco, California report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return San Francisco, California CD rates
- You want check-writing flexibility San Francisco, California money market rates
- You need daily transaction access San Francisco, California checking rates
San Francisco, California Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s CA high-yield savings average of 2.579%, saving 10% of the local median salary ($8,293/year) would earn an additional $214 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other San Francisco, California Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in San Francisco, California.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current CA Avg APY | 2.579% | 0.712% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects San Francisco, California averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for San Francisco, California
At CA’s top rate of 4.20% from EverBank, a $10,000 deposit earns $420 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median San Francisco, California earner is roughly $20,700. At 2.579% APY, saving $1,730/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsCalifornia’s high-yield savings average is 2.579% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median San Francisco, California earner makes $82,931/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.579% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.579% APY grows to roughly $41,598 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Francisco, California savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for San Francisco, 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 San Francisco, 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 San Francisco, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in San Francisco, California safe?
How often do savings rates change in San Francisco, 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 San Francisco, California?
How do I open a savings account in San Francisco, California?
Best Savings Rates in San Francisco, California
- EverBank
Performance Savings: 4.20% APY - Happen Bank
LevelUp High-Yield Savings: 4.20% APY - Poppy Bank
Poppy Blooms Youth Savings Account: 4.00% APY - First Bank Creve Coeur, MO
Kids Cash Savings: 4.00% APY - Flagstar Bank, National Association
Flagstar Ready Savings: 4.00% APY
San Francisco, California Rates & Resources
