San Francisco, California (CA) Savings Rates - March 2026
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Brian McKay
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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 San Francisco, California and the surrounding area include First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO300a Pine St, San Francisco, CA 94104A+5.0 ★Texas Ratio: 1.54% Kids Cash Savings at 4.00% APY, LendingClubLendingClub595 Market St, San Francisco, CA 94105A5.0 ★Texas Ratio: 6.13% LevelUp Savings at 4.00% APY, EverBankEverBank400 Montgomery St, San Francisco, CA 94104B4.5 ★Texas Ratio: 20.65% Performance® Savings at 3.90% APY, Sterling Bank and Trust, FSBSterling Bank and Trust, FSB400 Montgomery St Ste 100, San Francisco, CA 94104A+5.0 ★Texas Ratio: 2.04% EverBank Performance® Savings at 3.90% APY, and Poppy BankPoppy Bank1750 Fulton St, San Francisco, CA 94117A5.0 ★Texas Ratio: 9.79% Poppy Blooms Youth Savings Account at 3.75% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in San Francisco, 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 San Francisco, California (CA) are continually updated — 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: March 28, 2026
Compare the Best Savings Rates in San Francisco, California & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
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
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Earn 10x the National Average2
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.
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
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 28, 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.
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
1750 Fulton St, San Francisco, CA 94117
Poppy Blooms Youth Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25 Bonus
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings
3.50%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Premier Relationship Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
RELATIONSHIP
Bank of Guam
Institution Rating:
A5.0 ★Texas Ratio: 10.07%
400 Montgomery St, San Francisco, CA 94104
True Savings Plus
3.04%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Online account opening required
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
LevelUp Savings account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Standard Rate
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
300a Pine St, San Francisco, CA 94104
Icon High-Yield Savings
2.75%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
1469 Webster St, San Francisco, CA 94115
Simple Savings
2.70%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
1469 Webster St, San Francisco, CA 94115
Simple Savings
2.20%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
802 Bryant St, San Francisco, CA 94103
Savings Account
1.46%
$0
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
802 Bryant St, San Francisco, CA 94103
Savings Account
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
Maximum Impact SavingsTM1
1.05%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
802 Bryant St, San Francisco, CA 94103
Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
802 Bryant St, San Francisco, CA 94103
Savings Account
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
Teacher Savings
0.75%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
802 Bryant St, San Francisco, CA 94103
Savings Account
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
1750 Fulton St, San Francisco, CA 94117
Poppy Premier Business Savings
0.50%
$0
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Health Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
Give-Back Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
124 2nd St, San Francisco, CA 94105
Health Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Student Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1449 Mission St, San Francisco, CA 94103 2510
Membership Share Savings Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Super Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Share Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Premier Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
255 California St Ste 600, San Francisco, CA 94111
Maximum Impact SavingsTM1
0.11%
$0
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
1750 Fulton St, San Francisco, CA 94117
Poppy Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Premier Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Share Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
124 2nd St, San Francisco, CA 94105
Health Savings Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Value Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Value Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Interest Compound Daily
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
400 N Point St, San Francisco, CA 94133
Regular Shares
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94118 1903
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94118 1903
Educational Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
124 2nd St, San Francisco, CA 94105
Savings & ScoreUp Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
124 2nd St, San Francisco, CA 94105
Health Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
1560 3rd St Ste B, San Francisco, CA 94158 2349
Money Market Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
802 Bryant St, San Francisco, CA 94103
Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
802 Bryant St, San Francisco, CA 94103
IRA Savings+
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
1390 Market St, San Francisco, CA 94102
Share Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
Regular Savings (incl. Primary Share)
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
400 N Point St, San Francisco, CA 94133
Captain's Club (Children's Savings)
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
Youth Savings
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
Teacher Savings
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1355 Stockton St, San Francisco, CA 94133
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Interest Compound Daily, pay monthly
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Advance Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
601 Montgomery St, San Francisco, CA 94111
Premier Relationship Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
STANDARD
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
464 California St, San Francisco, CA 94104
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%
464 California St, San Francisco, CA 94104
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
2257 Irving St, San Francisco, CA 94122
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%
2257 Irving St, San Francisco, CA 94122
Student Savings
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94118 1903
IRA Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
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MonitorBankRates
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.
San Francisco, CA Savings Rate Trends
Compare local San Francisco, 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
0.168%
▼ 1.915 from last week
California high-yield savings rates fell 1.915 points this week to 0.168% APY, down from 2.083% last week.
Standard Savings — CA Avg
0.582%
▼ 0.023 from last week
California standard savings rates fell 0.023 points this week to 0.582% APY, down from 0.605% last week.
As of Mar 29, 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 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)?
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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, California?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in San Francisco, California offer in-person customer service, which some customers prefer.
How do I open a savings account in San Francisco, 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 San Francisco, California
Here are recent savings rates observed in San Francisco, California and the surrounding area:
- First Bank Creve Coeur, MO
Kids Cash Savings — 4.00% APY - LendingClub
LevelUp Savings — 4.00% APY - EverBank
Performance® Savings — 3.90% APY - Sterling Bank and Trust, FSB
EverBank Performance® Savings — 3.90% APY - Poppy Bank
Poppy Blooms Youth Savings Account — 3.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in San Francisco, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
