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Home › Checking Accounts › California Checking › Santa Rosa, California California Checking Rate Trends iAdvertiser Disclosure
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Best Banks & Checking Accounts in Santa Rosa, California - March 2026

Content reviewed by
Brian McKay Brian McKay
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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: March 24, 2026

The best checking rates for Santa Rosa, California include Exchange BankExchange Bank545 4th St, Santa Rosa, CA 95401A+5.0 ★Texas Ratio: 2.21% State Bar Checking at 2.99% APY, Community First Credit UnionCommunity First Credit Union1105 N Dutton Ave, Santa Rosa, CA 95401 4683B4.6 ★Texas Ratio: 19.30% Local Advantage Plus Checking at 0.20% APY, Redwood Credit UnionRedwood Credit Union2763 4th St, Santa Rosa, CA 95405 4726A+5.0 ★Texas Ratio: 3.79% Plus Checking at 0.10% APY, Summit State BankSummit State Bank500 Bicentennial Way, Santa Rosa, CA 95403D3.1 ★Texas Ratio: 37.86% Personal Checking with Interest at 0.10% APY, and Poppy BankPoppy Bank111 Santa Rosa Avenue, Santa Rosa, CA 95404A5.0 ★Texas Ratio: 9.79% Poppy Cares Checking at 0.05% APY. Checking account rates as of March 24, 2026 according to verified data from MonitorBankRates.

Looking for the best checking accounts in Santa Rosa, California? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Santa Rosa, California, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Santa Rosa, California. Checking Account Rates Last Updated and Verified: March 24, 2026

Compare Checking Account Rates Today in Santa Rosa, California & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
State Bar Checking
2.99%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
State Bar Checking
2.74%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
State Bar Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
State Bar Checking
0.76%
$0
View
▼
Rate0.76%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.30%
1105 N Dutton Ave
Santa Rosa, CA 95401 4683
Local Advantage Plus Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Earn 5% on rounded-up portion of all purchases; Earn 5�/swipe after 12 swipes; No monthly fee with 12 monthly debit transactions; Free first box of bank local checks

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.13%
$0
View
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
2763 4th St
Santa Rosa, CA 95405 4726
Plus Checking
0.10%
$10,000
View
▼
Rate0.10%
Min Deposit$10,000
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Summit State Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.86%
500 Bicentennial Way
Santa Rosa, CA 95403
Personal Checking with Interest
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.07%
$0
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Poppy Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
111 Santa Rosa Avenue
Santa Rosa, CA 95404
Poppy Cares Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.30%
1105 N Dutton Ave
Santa Rosa, CA 95401 4683
Local iChecking
0.05%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details

No monthly fee with a $1000 balance

Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
2763 4th St
Santa Rosa, CA 95405 4726
Plus Checking
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1965 Cleveland Ave
Santa Rosa, CA 95401
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Summit State Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.86%
500 Bicentennial Way
Santa Rosa, CA 95403
Personal Checking with Interest
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Clearpath Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
340 Arden Ave
Glendale, CA 91203
CleaRewards Cash Back Rewards Checking
6.00%
$0
View
▼
Rate6.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
State Bar Checking
2.99%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
State Bar Checking
2.74%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
State Bar Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.30%
1105 N Dutton Ave
Santa Rosa, CA 95401 4683
Local Advantage Plus Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Earn 5% on rounded-up portion of all purchases; Earn 5�/swipe after 12 swipes; No monthly fee with 12 monthly debit transactions; Free first box of bank local checks

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.13%
$0
View
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
2763 4th St
Santa Rosa, CA 95405 4726
Plus Checking
0.10%
$10,000
View
▼
Rate0.10%
Min Deposit$10,000
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Summit State Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.86%
500 Bicentennial Way
Santa Rosa, CA 95403
Personal Checking with Interest
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.07%
$0
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Premier Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
2763 4th St
Santa Rosa, CA 95405 4726
Plus Checking
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1965 Cleveland Ave
Santa Rosa, CA 95401
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Summit State Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.86%
500 Bicentennial Way
Santa Rosa, CA 95403
Personal Checking with Interest
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Clearpath Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
340 Arden Ave
Glendale, CA 91203
CleaRewards Cash Back Rewards Checking
6.00%
$0
View
▼
Rate6.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
800 H St
Sacramento, CA 95814 2607
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Requirements Met

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Clearpath Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
340 Arden Ave
Glendale, CA 91203
CleaRewards Cash Back Rewards Checking
6.00%
$0
View
▼
Rate6.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
800 H St
Sacramento, CA 95814 2607
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Requirements Met

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
10415 Old Placerville Rd
Sacramento, CA 95827 2508
Kasasa Cash Checking
3.50%
$25
View
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
3.25%
$0
View
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
1860 El Camino Real Ste 100
Burlingame, CA 94010 3106
Kasasa Cash Checking - Qualifying
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Qualifying balance up to $10,000.00

Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1550 Newell Ave
Walnut Creek, CA 94596 5121
Thrive Rewards Checking
2.35%
$25
View
▼
Rate2.33%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
5615 Chesbro Ave
San Jose, CA 95123 3046
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300
San Diego, CA 92106 6073
Rewards Checking
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Provident Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
303 Twin Dolphin Dr
Redwood City, CA 94065 1497
Super Reward Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2580 W Shaw Ln
Fresno, CA 93711 2778
Noble Perks Plus Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
250 W Colorado Blvd
Arcadia, CA 91007
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
8101 E Kaiser Blvd
Anaheim, CA 92808 2243
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
1860 El Camino Real Ste 100
Burlingame, CA 94010 3106
Kasasa Cash Checking - Non-Qualifying
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

All balances in non-qualifying accounts

Ventura County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
6026 Telephone Rd
Ventura, CA 93003 5332
Simply Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2580 W Shaw Ln
Fresno, CA 93711 2778
Noble Perks Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
800 H St
Sacramento, CA 95814 2607
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Requirements Met

First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2150 Watt Ave
Sacramento, CA 95825
Better Than Free Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

Up to $500 w/ direct deposit

Coasthills Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
3880 CONSTELLATION RD
LOMPOC, CA 93436 1404
Freedom Plus Checking & Super Checking Accounts
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $25,000.00

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr
Sunnyvale, CA 94089 1005
Free Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
9494 Miramar Rd
San Diego, CA 92126
Access America Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
1134 N Avalon Blvd
Wilmington, CA 90744 3502
FREE Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Universal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3455 S Nogales St
West Covina, CA 91792
Basic Interest Checking
0.04%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2333 Utah Ave
El Segundo, CA 90245
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details

No additional details provided.

Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl
Santa Ana, CA 92705
Access Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
300 S Glendale Ave
Glendale, CA 91205 5305
Free Checking or Connect (Share Draft)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl
Santa Ana, CA 92705
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
7812 Edinger Ave
Huntington Beach, CA 92647
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
659 Skymaster Cir
Travis AFB, CA 94535
Free Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 22, 2026
Details

Minimum Initial Deposit $50

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
14550 Aviation Blvd
Hawthorne, CA 90250
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
14550 Aviation Blvd
Hawthorne, CA 90250
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Ventura County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
6026 Telephone Rd
Ventura, CA 93003 5332
Simply Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
3457 Deer Valley Rd
Antioch, CA 94531 6665
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 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%
1306 Bordeaux Dr
Sunnyvale, CA 94089 1005
Student Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
879 W 190th St
Gardena, CA 90248 4220
YOUth Journey Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1550 Newell Ave
Walnut Creek, CA 94596 5121
Student Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking 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
Signature Business Checking
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Poppy Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
111 Santa Rosa Avenue
Santa Rosa, CA 95404
Premier Business Checking
0.50%
$0
View
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Poppy Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
111 Santa Rosa Avenue
Santa Rosa, CA 95404
Preferred Business Checking
0.25%
$0
View
▼
Rate0.24%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Business Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Business Interest Checking
0.13%
$0
View
▼
Rate0.13%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Summit State Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.86%
500 Bicentennial Way
Santa Rosa, CA 95403
Business Checking with Interest
0.12%
$0
View
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
545 4th St
Santa Rosa, CA 95401
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Summit State Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.86%
500 Bicentennial Way
Santa Rosa, CA 95403
Business Checking with Interest
0.04%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Summit State Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.86%
500 Bicentennial Way
Santa Rosa, CA 95403
Business Checking with Interest
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
16011 Whittier Blvd
Whittier, CA 90603
Commercial Analyzed Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

ECR on daily balances

Coasthills Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
3880 CONSTELLATION RD
LOMPOC, CA 93436 1404
Preferred Plus Business Checking
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Coasthills Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
3880 CONSTELLATION RD
LOMPOC, CA 93436 1404
Preferred Plus Business Checking
2.17%
$0
View
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Skyone Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
14600 Aviation Blvd
Hawthorne, CA 90250
Fiduciary Business Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
2100 LAS POSITAS CT
LIVERMORE, CA 94551 7301
Business Premier Checking
0.86%
$0
View
▼
Rate0.86%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
2100 LAS POSITAS CT
LIVERMORE, CA 94551 7301
Business Premier Checking
0.57%
$0
View
▼
Rate0.57%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Coasthills Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
3880 CONSTELLATION RD
LOMPOC, CA 93436 1404
Preferred Plus Business Checking & IOLTA Checking Accounts
0.40%
$100
View
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Coasthills Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
3880 CONSTELLATION RD
LOMPOC, CA 93436 1404
Preferred Plus Business Checking & IOLTA Checking Accounts
0.30%
$100
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
5615 Chesbro Ave
San Jose, CA 95123 3046
Business Elite Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd
Los Angeles, CA 90039
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

United Pacific Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
1630 S Azusa Ave
City Of Industry, CA 91748
Business High Yield Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

Minimum Daily Balance of $2,500 to Obtain the APY

Santa Rosa, CA Checking Rate Trends

Compare local Santa Rosa, CA checking rate quotes against the statewide average

Weekly 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
0.647%
▲ 0.435 from last week

California high-yield checking rates rose 0.435 points this week to 0.647% APY, up from 0.212% last week.

Rewards Checking — CA Avg
1.772%
▼ 1.738 from last week

California rewards checking rates fell 1.738 points this week to 1.772% APY, down from 3.510% last week.

As of Mar 24, 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 Santa Rosa, 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 Santa Rosa, 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 Santa Rosa, California earn interest?

Most traditional local checking accounts in Santa Rosa, 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 Santa Rosa, California FDIC insured?

Yes. Legitimate banks with branches in Santa Rosa, 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 Santa Rosa, California

Based on our current data, some of the highest checking account APYs available to residents of Santa Rosa, California include:
  • Exchange Bank
    State Bar Checking — 2.99% APY
  • Community First Credit Union
    Local Advantage Plus Checking — 0.20% APY
  • Redwood Credit Union
    Plus Checking — 0.10% APY
  • Summit State Bank
    Personal Checking with Interest — 0.10% APY
  • Poppy Bank
    Poppy Cares Checking — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Santa Rosa, California. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 24, 2026

Santa Rosa, California Rates & Resources

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