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Best Banks & Checking Accounts in San Francisco, California - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The 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.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 5, 2026

The best checking rates for San Francisco, California include The Golden 1 Credit UnionThe Golden 1 Credit Union1560 3rd St Ste B, San Francisco, CA 94158 2349A+5.0 ★Texas Ratio: 5.42% MarketRate CheckingSM at 3.00% APY, EverBankEverBank400 Montgomery St, San Francisco, CA 94104B4.5 ★Texas Ratio: 20.65% Non-Profit Checking at 1.00% APY, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionSan Francisco International Airport Terminal 1, San Francisco, CA 94128A+5.0 ★Texas Ratio: 2.63% Priority Checking at 0.40% APY, Technology Credit UnionTechnology Credit Union1449 Mission St, San Francisco, CA 94103 2510A+5.0 ★Texas Ratio: 3.60% Interest Checking at 0.10% APY, and CTBC Bank CorpCTBC Bank Corp1143 Grant Ave, San Francisco, CA 94133A+5.0 ★Texas Ratio: 5.38% Online Personal Checking at 0.05% APY. Checking account rates as of May 5, 2026 according to verified data from MonitorBankRates.

San Francisco has 9 local institutions in our database, with checking rates as high as 3.00% APY from The Golden 1 Credit Union at 1560 3rd St Ste B, San Francisco, CA, 94158 2349. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in San Francisco, California. Checking Account Rates Last Updated and Verified: May 5, 2026

Compare Checking Account Rates Today in San Francisco, California & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B
San Francisco, CA 94158 2349
MarketRate CheckingSM
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St
San Francisco, CA 94104
Non-Profit Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
San Francisco International Airport Terminal 1
San Francisco, CA 94128
Priority Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
San Francisco International Airport Terminal 1
San Francisco, CA 94128
Flagship Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St
San Francisco, CA 94104
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B
San Francisco, CA 94158 2349
Premium CheckingSM
0.15%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St
San Francisco, CA 94103 2510
Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

CTBC Bank Corp
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
1143 Grant Ave
San Francisco, CA 94133
Online Personal Checking
0.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Metropolitan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
1355 Stockton St
San Francisco, CA 94133
Premier Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Interest Compound Daily, pay monthly

Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
201 3rd St
San Francisco, CA 94103 3143
Advantage Checking
0.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

The Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
802 Bryant St
San Francisco, CA 94103
Checking Account
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

HSBC Bank USA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
601 Montgomery St
San Francisco, CA 94111
Advance Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St
San Francisco, CA 94103 2510
Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

F&A Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
High Yield eChecking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Elite Checking Tier 1
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Rewards Checking Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Premier Plus Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B
San Francisco, CA 94158 2349
MarketRate CheckingSM
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St
San Francisco, CA 94104
Non-Profit Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St
San Francisco, CA 94104
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
1560 3rd St Ste B
San Francisco, CA 94158 2349
Premium CheckingSM
0.15%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St
San Francisco, CA 94103 2510
Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
201 3rd St
San Francisco, CA 94103 3143
Advantage Checking
0.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Metropolitan Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
1355 Stockton St
San Francisco, CA 94133
Premier Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Interest Compound Daily, pay monthly

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1449 Mission St
San Francisco, CA 94103 2510
Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

F&A Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
High Yield eChecking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Elite Checking Tier 1
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Rewards Checking Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Premier Plus Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
High-Yield Checking
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Protection Plus Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $2,500.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Inspired Checking - Minimum of 20 Debit Card Purchase Transactions
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Kasasa Cash Checking - Qualifying
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Rewards Checking Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Kasasa Cash Checking - Qualifying
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Rewards Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Rewards Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Noble Perks Plus Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifications Required

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Kasasa Cash Checking - Non-Qualifying
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Noble Perks Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Better Than Free Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Up to $500 w/ direct deposit

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Free Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Universal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Basic Interest Checking
0.04%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Free Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 2, 2026
Details

Minimum Initial Deposit $50

Ventura County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Simply Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Free Checking or Connect (Share Draft)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Student Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St
San Francisco, CA 94104
Business Interest Checking
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
400 Montgomery St
San Francisco, CA 94104
Small Business Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
San Francisco International Airport Terminal 1
San Francisco, CA 94128
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Business Premier Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Business Premier Checking
0.62%
$0
View
▼
Rate0.62%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Business Premier Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Elite Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Home Bank of California
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Platinum Business Checking
0.20%
$25
View
▼
Rate0.19%
Min Deposit$25
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Interest Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Coast Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Business Checking Accounts
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Business Premier Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Business Premier Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Interest Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Impact Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Interest Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.69%
Business Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Essentials Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Altura Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Club Business Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

San Francisco, CA Checking Rate Trends

Compare local San Francisco, CA checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full California Checking Trends →
High-Yield Checking — CA Avg
1.490%
▼ 0.512 vs 7 days ago

California high-yield checking rates fell 0.512 points over the past 7 days to 1.490% APY.

Free Checking — CA Avg
0.960%
▲ 0.069 vs 7 days ago

California free checking rates rose 0.069 points over the past 7 days to 0.960% APY.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for San Francisco, California directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in San Francisco, California. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in CA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in San Francisco, California earn interest?

Most traditional local checking accounts in San Francisco, California earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in San Francisco, California FDIC insured?

Yes. Legitimate banks with branches in San Francisco, California are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in San Francisco, California

Based on our current data, some of the highest checking account APYs available to residents of San Francisco, California include:
  • The Golden 1 Credit Union
    MarketRate CheckingSM — 3.00% APY
  • EverBank
    Non-Profit Checking — 1.00% APY
  • American Airlines Federal Credit Union
    Priority Checking — 0.40% APY
  • Technology Credit Union
    Interest Checking — 0.10% APY
  • CTBC Bank Corp
    Online Personal Checking — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in San Francisco, California. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 5, 2026

San Francisco, California Rates & Resources

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San Francisco, California Personal Loan Rates