Best Money Market Rates in Los Gatos, California (CA) - March 2026
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Brian McKay
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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.
Current Los Gatos, California and the surrounding area money market rates include 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Martinez, CA 94553A+5.0 ★Texas Ratio: 0.24% 1st Class Money Market Accounts at 5.39% APY, Americas Christian Credit UnionAmericas Christian Credit Union2100 E Route 66 Ste 100, Glendora, CA 91740 4623A+5.0 ★Texas Ratio: 3.60% Corporate Money Market Accounts Tier 8 at 4.50% APY, Nuvision Federal Credit UnionNuvision Federal Credit Union7812 Edinger Ave, Huntington Beach, CA 92647A+5.0 ★Texas Ratio: 3.70% Advantage Choice Money Market at 4.00% APY, Adelfi Credit UnionAdelfi Credit Union135 S State College Blvd Ste 500, Brea, CA 92821 5819A+5.0 ★Texas Ratio: 1.61% High-Yield Money Market at 4.00% APY, and SRI Federal Credit UnionSRI Federal Credit Union333 RAVENSWOOD AVE, MENLO PARK, CA 94025A+5.0 ★Texas Ratio: 2.15% Money Market at 3.95% APY.
To see how these money market rates in Los Gatos, California and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Los Gatos, California (CA) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Los Gatos, California and surrounding area. Last Updated and Verified: March 20, 2026
Los Gatos, CA Money Market Rate Trends
Compare local Los Gatos, CA MMA rate quotes against the statewide average
Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — CA Avg
0.682%
▼ 0.001 from last week
California high-yield MMA rates fell 0.001 points this week to 0.682% APY, down from 0.683% last week.
Standard MMA — CA Avg
1.019%
▲ 0.250 from last week
California standard MMA rates rose 0.250 points this week to 1.019% APY, up from 0.768% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Money Market Rates Today in Los Gatos, California & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
1111 Pine St, Martinez, CA 94553
1st Class Money Market Accounts
5.39%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $24,999.99
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
Corporate Money Market Accounts Tier 7
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Variable; Daily / Monthly
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
Corporate Money Market Tier 8
4.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
Corporate Money Market Accounts Tier 8
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Variable; Daily / Monthly
Adelfi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA 92821 5819
High-Yield Money Market
4.00%
$1,000
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
Intro rate expires: 12 months; New Funds Only
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
7812 Edinger Ave, Huntington Beach, CA 92647
Advantage Choice Money Market
4.00%
$1,000
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
SRI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
333 RAVENSWOOD AVE, MENLO PARK, CA 94025
Money Market
3.95%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA 92401
Money Market
3.90%
$0
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA 95008
Premier Money Market
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
Money Market (IRA)
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
New money only
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA 94535
Diamond Money Market
3.75%
$100
▼
Rate3.69%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Only available for new members; Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
Money Market
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
New money only
UMB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
5371 State Highway 49 N, Mariposa, CA 95338
UMB Retail Money Market
3.71%
$0
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA 94535
Jumpstart Money Market
3.65%
$0
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Only new money qualifies for the Jumpstart Money Market. (New money is defined as funds not currently on deposit with Travis Credit Union)
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA 94535
Diamond Money Market
3.60%
$100
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Only available for new members; Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA 94089 1005
Money Market Savings Account
3.51%
$50
▼
Rate3.45%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details
APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Fees may reduce earnings.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1221 Nevin Ave, Richmond, CA 94801 3123
Sun Fund Money Market
3.51%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Balance $50,000 or more
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
8945 Cal Center Dr, Sacramento, CA 95826 3239
Money Market Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA 94535
Diamond Money Market
3.50%
$100
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Only available for new members; Only new money qualifies for the Diamond MMA (New money is defined as funds not currently on deposit with Travis Credit Union)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA 90039
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$15,000+
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
7062 Market Place Dr, Goleta, CA 93117 5902
Business Elite Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
Corporate Money Market Accounts Tier 5
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Variable; Daily / Monthly
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA 95008
Premier Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
1888 Century Park E, Los Angeles, CA 90067
Thrive Money Market & Above
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$24,999.01
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA 92401
Money Market
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
1888 Century Park E, Los Angeles, CA 90067
Thrive Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$24,999.01 & Above
Golden Bank National Association
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
17458 Colima Rd, Rowland Heights, CA 91748
money market account
3.38%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedMar 20, 2026
Details
new money
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Enhanced Money Market Savings
3.30%
$10,000
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 15, 2026
Details
Minimum to open is $10,000
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA 92230 2165
Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
7062 Market Place Dr, Goleta, CA 93117 5902
Business Elite Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
Money Market Accounts Tier 4
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
USC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA 90089
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
2033 Kala Bagai Way, Berkeley, CA 94704
Money Market Plus
3.25%
$0
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Checking account*
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
Money Market Plus Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
4695 Macarthur Ct, Newport Beach, CA 92660
Advantage Money Market Account
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 18, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
19867 Prairie St, Chatsworth, CA 91311 6532
Business Advantage Money Market Account
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
19867 Prairie St, Chatsworth, CA 91311 6532
Advantage IRA Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
19867 Prairie St, Chatsworth, CA 91311 6532
Advantage Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
1888 Century Park E, Los Angeles, CA 90067
Thrive Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$24,999.00 & Below
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
37 Goldstone Road Building 37, Fort Irwin, CA 92310
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
APY for 6 months
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
1888 Century Park E, Los Angeles, CA 90067
Thrive Money Market & Below
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$24,999.00
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
7084 Auburn Blvd Ste 100, Citrus Heights, CA 95621 4334
Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
Business Money Market Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$5 - 2,500
Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
Money Market Savings - 2,500
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$5
Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
3333 Clares St, Capitola, CA 95010 2546
Money Market Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$2,500+
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
7084 Auburn Blvd Ste 100, Citrus Heights, CA 95621 4334
Money Market1
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Coasthills Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA 93436 1404
Peak Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Dow Great Western Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA 94531 6665
Rate Chaser Money Market
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
Business Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market Checking
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941
Citizens Private Client® Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Get up to 3.00% APY with preferred rates or up to 0.15% APY with standard rates
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Premium Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Business Money Market Account Savings
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Patelco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
2033 Kala Bagai Way, Berkeley, CA 94704
Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Checking account*
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
312 N Pacific Coast Hwy, Redondo Beach, CA 90277 2837
Premier Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
IRA Money Market
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3279 Ramos Cir, Sacramento, CA 95827 2500
Money Market
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Los Angeles Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.05%
16150 Sherman Way, Van Nuys, CA 91406
Preferred Money Market
2.90%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
Available for new deposits only; cannot transfer funds from an existing LAPFCU account
Corrections Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
4 miles North of Soledad Hwy 101, Soledad, CA 93960
Money Market
2.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
3660 Wilshire Blvd Ste Ph A, Los Angeles, CA 90010
Simple Money Market
2.80%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
$5 monthly maintenance charge waived when minimum balance requirement is met
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941
Citizens Quest® Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Get up to 2.75% Annual Percentage Yield (APY) with preferred rates or up to 0.03% APY with standard rates.
Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
3660 Wilshire Blvd Ste Ph A, Los Angeles, CA 90010
Simple Money Market
2.60%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
$5 monthly maintenance charge waived when minimum balance requirement is met
City First Bank. N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
170 N Market St, Inglewood, CA 90301
High Yield Consumer Money Market
2.25%
$10,000
▼
Rate2.23%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
6331 Skyway, Paradise, CA 95969
Money Market
2.02%
$1,000
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
170 N Market St, Inglewood, CA 90301
High Yield Consumer Money Market
2.00%
$10,000
▼
Rate1.98%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 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. Rates reflect recent market quotes and representative offers available to depositors in Los Gatos, California and the surrounding area.
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.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Los Gatos, 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 money market 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 Los Gatos, California. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Los Gatos, California
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in California.
Are Money Market accounts in Los Gatos, 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 MMA rates change in Los Gatos, California?
Money market 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.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
Best Money Market Rates in Los Gatos, California
Here are some of the highest money market account APYs currently available in Los Gatos, California and the surrounding area:
- 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY - Americas Christian Credit Union
Corporate Money Market Accounts Tier 8 — 4.50% APY - Nuvision Federal Credit Union
Advantage Choice Money Market — 4.00% APY - Adelfi Credit Union
High-Yield Money Market — 4.00% APY - SRI Federal Credit Union
Money Market — 3.95% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Los Gatos, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
