Santa Rosa, California (CA) Savings Rates - March 2026
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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 Santa Rosa, California and the surrounding area include Poppy BankPoppy Bank111 Santa Rosa Avenue, Santa Rosa, CA 95404A5.0 ★Texas Ratio: 9.79% Poppy Blooms Youth Savings Account at 3.75% APY, North Bay Credit UnionNorth Bay Credit Union397 Aviation Blvd, Santa Rosa, CA 95403F1.0 ★Texas Ratio: 73.10% Share Savings at 2.02% APY, Summit State BankSummit State Bank500 Bicentennial Way, Santa Rosa, CA 95403D3.1 ★Texas Ratio: 37.86% Business Savings at 0.50% APY, Patelco Credit UnionPatelco Credit Union1965 Cleveland Ave, Santa Rosa, CA 95401A+5.0 ★Texas Ratio: 4.87% Health Savings Accounts at 0.25% APY, and Exchange BankExchange Bank545 4th St, Santa Rosa, CA 95401A+5.0 ★Texas Ratio: 2.21% Signature Plus Savings Platinum at 0.23% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Santa Rosa, 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 Santa Rosa, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Santa Rosa, California and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Santa Rosa, California & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
397 Aviation Blvd, Santa Rosa, CA 95403
Share Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
$250,001+
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
397 Aviation Blvd, Santa Rosa, CA 95403
Share Savings
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
$50,001 to $250,000
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
397 Aviation Blvd, Santa Rosa, CA 95403
Share Savings
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
$10,001 to $50,000
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
397 Aviation Blvd, Santa Rosa, CA 95403
Share Savings
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
$101 to $10,000
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
Poppy Premier Business Savings
0.50%
$0
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
Business Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
Personal Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1965 Cleveland Ave, Santa Rosa, CA 95401
Health Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Platinum
0.23%
$0
▼
Rate0.23%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Gold
0.22%
$0
▼
Rate0.22%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Silver
0.21%
$0
▼
Rate0.21%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Platinum
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Gold
0.19%
$0
▼
Rate0.19%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Silver
0.18%
$0
▼
Rate0.18%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Platinum
0.18%
$0
▼
Rate0.18%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings
0.17%
$0
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Gold
0.17%
$0
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Silver
0.16%
$0
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2763 4th St, Santa Rosa, CA 95405 4726
Share Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Platinum
0.13%
$0
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Personal Savings and Money Market Platinum
0.13%
$0
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Premier Plus Rewards Program
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Everyday Savings
0.13%
$0
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Platinum
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Personal Savings and Money Market Gold
0.12%
$0
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Premier Plus Rewards Program
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Gold
0.12%
$0
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Everyday Savings
0.12%
$0
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Gold
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Everyday Savings
0.11%
$0
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Silver
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings Silver
0.11%
$0
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Personal Savings and Money Market Silver
0.11%
$0
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Premier Plus Rewards Program
Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2763 4th St, Santa Rosa, CA 95405 4726
Share Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1965 Cleveland Ave, Santa Rosa, CA 95401
Health Savings Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Signature Plus Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Everyday Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
545 4th St, Santa Rosa, CA 95401
Business Savings & Public Funds Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
Poppy Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2763 4th St, Santa Rosa, CA 95405 4726
Share Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1965 Cleveland Ave, Santa Rosa, CA 95401
Health Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1965 Cleveland Ave, Santa Rosa, CA 95401
Savings & ScoreUp Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1965 Cleveland Ave, Santa Rosa, CA 95401
Savings & ScoreUp Savings4
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
397 Aviation Blvd, Santa Rosa, CA 95403
Share Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
$0 to 100
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
MySavings Youth
7.00%
$0
▼
Rate6.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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 27, 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
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Summertime Savings for School Employees
6.00%
$0
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA 93436 1404
Early Savers Shares
5.64%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $500.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA 90241 3718
Elevate Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA 92821 5819
Harvest High-Yield Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA 92821 5819
Non-Profit Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA 92840 5809
Next Gen Savings
5.00%
$5
▼
Rate5.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $5000
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA 90068
First500 Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA 90068
First500 Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
19867 Prairie St, Chatsworth, CA 91311 6532
Youth Smart Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
265 Curtner Ave, San Jose, CA 95125
Go Savings
5.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 23, 2026
Details
Qualifying balance up to $2,500.00
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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.
Santa Rosa, CA Savings Rate Trends
Compare local Santa Rosa, 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
0.607%
▲ 0.018 from last week
California standard savings rates rose 0.018 points this week to 0.607% APY, up from 0.589% last week.
As of Mar 28, 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 Santa Rosa, 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 Santa Rosa, 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 Santa Rosa, 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 Santa Rosa, 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 Santa Rosa, 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 Santa Rosa, 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 Santa Rosa, California?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Santa Rosa, California offer in-person customer service, which some customers prefer.
How do I open a savings account in Santa Rosa, 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 Santa Rosa, California
Here are recent savings rates observed in Santa Rosa, California and the surrounding area:
- Poppy Bank
Poppy Blooms Youth Savings Account — 3.75% APY - North Bay Credit Union
Share Savings — 2.02% APY - Summit State Bank
Business Savings — 0.50% APY - Patelco Credit Union
Health Savings Accounts — 0.25% APY - Exchange Bank
Signature Plus Savings Platinum — 0.23% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Santa Rosa, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
