Best Money Market Rates in Newport Beach, California - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Newport Beach, California and the surrounding area money market deposit account rates include Citizens BankCitizens Bank1400 Newport Center Dr, Newport Beach, CA 92660A5.0 ★Texas Ratio: 8.28% Citizens Private Client Money Market at 3.50% APY, Byline BankByline Bank4695 Macarthur Ct, Newport Beach, CA 92660A+5.0 ★Texas Ratio: 5.13% Advantage Money Market Account at 3.15% APY, LBS Financial Credit UnionLBS Financial Credit Union1401 Quail St, Newport Beach, CA 92660 2744A+5.0 ★Texas Ratio: 1.97% Money Market at 1.30% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO4301 Macarthur Blvd, Newport Beach, CA 92660A+5.0 ★Texas Ratio: 1.54% Performance Money Market at 0.02% APY, and 1st Northern California Credit Union1st Northern California Credit UnionA+5.0 ★Texas Ratio: 0.24% 1st Class Money Market Accounts at 5.39% APY. Money market rates as of July 25, 2026 according to verified data from MonitorBankRates.
Newport Beach has 4 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 1400 Newport Center Dr, Newport Beach, CA 92660. Use the table below to compare all available offers, including options from institutions serving the broader California area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Newport Beach, California and surrounding area. Last Updated and Verified: July 25, 2026
Compare the Best Money Market Rates Today in Newport Beach, California & the Surrounding Area
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Standard rates; Must have a Citizens Private Client® Checking account.
Standard rates; Requires a Citizens Quest® Checking account.
Standard rates; Monthly maintenance fees $0 or $10; Keep a minimum daily balance of at least $2,500 to waive the fee.
Tier 8; Today's Rate - Valid 07/11/2026; Fees may reduce earnings on share accounts. If your average daily balance falls below $2,500, the account will be charged $10.00, monthly.
APY through September 30, 2026
Balance: $1,000,000.00+
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)
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)
Requires $2,500 to open. Premium Money Market requires $50,000 to open.
New money only
The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY.
Access your funds anytime. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. There is no minimum balance requirement to obtain the APY.
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)
New money only
APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Minimum deposit of $50 required to open a Money Market Savings Account. Minimum balance of $50 required to earn dividend. Fees may reduce earnings.
Balance: $250,000.00-$999,999.99
Relationship APY: 3.560%
Relationship APY: 3.560%
Tiered balance
Minimum to open is $10,000
Relationship APY: 3.300%
Relationship APY: 3.300%
Up to 3.00% APY on a new Money Market Account!
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.
Newport Beach, CA Money Market Rate Trends
Compare local Newport Beach, CA money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California high-yield MMA rates currently average 3.331% APY.
California standard MMA rates currently average 0.059% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Newport Beach, California money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Newport Beach, 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 Newport Beach, 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 Newport Beach, California
What is a Money Market Account (MMA)?
Are Money Market accounts in Newport Beach, California safe?
How often do MMA rates change in Newport Beach, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Newport Beach, California?
Best Money Market Rates in Newport Beach, California
- Citizens Bank
Citizens Private Client Money Market — 3.50% APY - Byline Bank
Advantage Money Market Account — 3.15% APY - LBS Financial Credit Union
Money Market — 1.30% APY - First Bank Creve Coeur, MO
Performance Money Market — 0.02% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY
Newport Beach, California Rates & Resources
