San Jose, California (CA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for San Jose, California and the surrounding area include Excite Credit UnionExcite Credit Union265 Curtner Ave, San Jose, CA 95125A5.0 ★Texas Ratio: 11.89% Go Savings at 5.00% APY, Meriwest Credit UnionMeriwest Credit Union5615 Chesbro Ave, San Jose, CA 95123 3046A5.0 ★Texas Ratio: 9.41% Premier Savings for New Members at 4.50% APY, Poppy BankPoppy Bank5377 Prospect Road, San Jose, CA 95129A5.0 ★Texas Ratio: 9.79% Poppy Blooms Youth Savings Account at 3.75% APY, Star One Credit UnionStar One Credit Union1090 Blossom Hill Rd, San Jose, CA 95123 1103A+5.0 ★Texas Ratio: 0.72% Sub-Savings Account at 3.51% APY, and The Golden 1 Credit UnionThe Golden 1 Credit Union2 Pierce Ave Ste B, San Jose, CA 95110 2842A+5.0 ★Texas Ratio: 5.42% Money Market Savings Account at 3.50% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in San Jose, 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 Jose, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in San Jose, California and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in San Jose, California & Surrounding Communities
Qualifying balance up to $2,500.00
$25 Bonus
APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Fees may reduce earnings.
$25,000.00 +
Qualifying balance up to $30,000.00
$0.00 - $24,999
Qualifying balance up to $8,750.00
Maturity Date Jun 1 or Nov 11
Qualifying balance up to $2,000
Savings and Kids Savings*
Minimum Balance to Earn APY
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Interest Compound Daily
Interest Compound Daily, pay monthly
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Earn 10x the National Average2
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.
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.
Terms and Conditions apply.
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 Jose, CA Savings Rate Trends
Compare local San Jose, 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 San Jose, 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 Jose, 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 Jose, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in San Jose, California safe?
How often do savings rates change in San Jose, 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 Jose, California?
How do I open a savings account in San Jose, California?
Best Savings Rates in San Jose, California
- Excite Credit Union
Go Savings — 5.00% APY - Meriwest Credit Union
Premier Savings for New Members — 4.50% APY - Poppy Bank
Poppy Blooms Youth Savings Account — 3.75% APY - Star One Credit Union
Sub-Savings Account — 3.51% APY - The Golden 1 Credit Union
Money Market Savings Account — 3.50% APY
