Tracy, 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 Tracy, California and the surrounding area include Valley First Credit UnionValley First Credit Union1003 n Central Ave, Tracy, CA 95376 3914A+5.0 ★Texas Ratio: 5.74% Purple Savings at 3.50% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union3202 W Grant Line Rd, Tracy, CA 95304 8427A+5.0 ★Texas Ratio: 5.42% Money Market Savings at 3.50% APY, PNC BankPNC Bank1070 N Tracy Blvd, Tracy, CA 95376A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, UNCLE Credit UnionUNCLE Credit Union1829 W 11th St, TRACY, CA 95376A5.0 ★Texas Ratio: 11.45% Share Account at 0.86% APY, and Wells FargoWells Fargo1900 W 11th St, Tracy, CA 95376A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Tracy, 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 Tracy, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Tracy, California and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Tracy, California & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Purple Savings
3.50%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $10,000.00
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
3202 W Grant Line Rd, Tracy, CA 95304 8427
Money Market Savings
3.50%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
3202 W Grant Line Rd, Tracy, CA 95304 8427
Money Market Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1070 N Tracy Blvd, Tracy, CA 95376
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Business Money Market Account Savings
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Business Money Market Account Savings
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Business Money Market Account Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Business Money Market Account Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Business Money Market Account Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
3202 W Grant Line Rd, Tracy, CA 95304 8427
Money Market Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
3202 W Grant Line Rd, Tracy, CA 95304 8427
Money Market Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
Share Account
0.86%
$0
▼
Rate0.86%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
Share Account
0.57%
$0
▼
Rate0.57%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
Share Account
0.18%
$0
▼
Rate0.18%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Primary and Secondary Shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
Share Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Primary and Secondary Shares
0.12%
$0
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Purple Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Primary and Secondary Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Business Primary Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Primary and Secondary Shares
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Valley Thrive Savings Account
0.05%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1900 W 11th St, Tracy, CA 95376
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
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Business Primary Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1900 W 11th St, Tracy, CA 95376
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
3202 W Grant Line Rd, Tracy, CA 95304 8427
Money Market Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
IRA Savings
0.04%
$0
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1070 N Tracy Blvd, Tracy, CA 95376
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
Business Savings Rate
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Primary and Secondary Shares
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1070 N Tracy Blvd, Tracy, CA 95376
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1900 W 11th St, Tracy, CA 95376
Platinum Savings
0.02%
$25
▼
Rate0.02%
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
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
Share Account
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1900 W 11th St, Tracy, CA 95376
Platinum Savings
0.01%
$25
▼
Rate0.01%
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%
1900 W 11th St, Tracy, CA 95376
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
Savings Account
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
1829 W 11th St, TRACY, CA 95376
Share Account
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1003 n Central Ave, Tracy, CA 95376 3914
Primary and Secondary Shares
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3992 Douglas Blvd, Roseville, CA 95661
Kids Cash Savings
4.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 18, 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 20, 2026
Details
Earn 10x the National Average2
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 15, 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.
First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
40865 Big Bear Blvd, Big Bear Lake, CA 92315
Online Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
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
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1912 W Sunset Blvd, Los Angeles, CA 90026
New Year Flexible Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Terms and Conditions apply.
L A MISSION
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
601 S Brand Blvd Ste 100, San Fernando, CA 91340 4060
Share Loans
3.49%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
42035 Washington St, Palm Desert, CA 92211
Bloom Savings Account
3.35%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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.
Tracy, CA Savings Rate Trends
Compare local Tracy, 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%
▼ 2.821 from last week
California high-yield savings rates fell 2.821 points this week to 0.193% APY, down from 3.015% last week.
Standard Savings — CA Avg
0.581%
▲ 0.126 from last week
California standard savings rates rose 0.126 points this week to 0.581% APY, up from 0.455% last week.
As of Mar 25, 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 Tracy, 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 Tracy, 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 Tracy, 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 Tracy, 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 Tracy, 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 Tracy, 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 Tracy, California?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Tracy, California offer in-person customer service, which some customers prefer.
How do I open a savings account in Tracy, 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 Tracy, California
Here are recent savings rates observed in Tracy, California and the surrounding area:
- Valley First Credit Union
Purple Savings — 3.50% APY - The Golden 1 Credit Union
Money Market Savings — 3.50% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - UNCLE Credit Union
Share Account — 0.86% APY - Wells Fargo
Platinum Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Tracy, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
