Best Money Market Rates in Rancho Santa Margarita, California - June 2026

Qualifying balance up to $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)

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.

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)

$15,000+

Preferred rates. Standard rates: 0.15% APY.

Preferred rates. Standard rates: 0.03% APY.

Qualifying balance up to $999,999.99

Qualifications Required: 1) Have no previous member relationship with SAFE Credit Union or have established your membership within the 60 days prior to the Introductory APY account opening; 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution); 3) Maintain a minimum of $2,000 for the first three months from account open date; Introductory APY is limited to one account per tax reporting owner and available to accounts opened by June 30, 2026, who meet the following requirements: 1) Have no previous member relationship with SAFE Credit Union or have established your membership within the 60 days prior to the Introductory APY account opening, 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution), and 3) Maintain a minimum of $2,000 for the first three months from account open date. Once the three-month period has ended, or the balance falls below $2,000, the dividend rate reverts to the standard Level Up Money Market or Business Money Market variable rate in effect at that time. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Monthly fee of $12 waived if average daily balance equals $2,000 or more. Dividends are paid monthly.

Qualifications Required: 1) Have no previous member relationship with SAFE Credit Union or have established your membership within the 60 days prior to the Introductory APY account opening; 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution); 3) Maintain a minimum of $2,000 for the first three months from account open date; Introductory APY is limited to one account per tax reporting owner and available to accounts opened by June 30, 2026, who meet the following requirements: 1) Have no previous member relationship with SAFE Credit Union or have established your membership within the 60 days prior to the Introductory APY account opening, 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution), and 3) Maintain a minimum of $2,000 for the first three months from account open date. Once the three-month period has ended, or the balance falls below $2,000, the dividend rate reverts to the standard Level Up Money Market or Business Money Market variable rate in effect at that time. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Monthly fee of $12 waived if average daily balance equals $2,000 or more. Dividends are paid monthly.

Daily Balance: $250,000+

Maximum: No Limit. Variable rate account with easy access and maximum liquidity. There is a $15 monthly fee on Premium Money Market Account when the daily balance falls below $10,000 at any time during the month.

Minimum to open is $10,000

Must be opened with New Money, defined as new-to-Byline. $25,000 minimum to open account. $25,000 minimum to earn 3.15% APY. Avoids $25 monthly service fee.

Tiered balance

On balances of $25,000+

Minimum to open is $2,500

Qualifications Required: Direct deposit required; Qualifying balance up to $1,000.00

Available for new deposits only; cannot transfer funds from an existing LAPFCU account

Minimum to open is $2,500