Best Money Market Rates in Sacramento, California - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Sacramento, California and the surrounding area money market deposit account rates include Sacramento Credit UnionSacramento Credit Union800 H St, Sacramento, CA 95814 2607A+5.0 ★Texas Ratio: 0.16% MONEY MARKET at 3.51% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union8945 Cal Center Dr, Sacramento, CA 95826 3239A+5.0 ★Texas Ratio: 5.04% Money Market at 3.50% APY, Patelco Credit UnionPatelco Credit Union2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825A+5.0 ★Texas Ratio: 4.56% Money Market Plus at 3.25% APY, Meriwest Credit UnionMeriwest Credit Union1100 N Market Blvd, Sacramento, CA 95834A5.0 ★Texas Ratio: 8.90% Business Money Market Plus at 3.00% APY, and Vision One Credit UnionVision One Credit Union3279 Ramos Cir, Sacramento, CA 95827 2500A+5.0 ★Texas Ratio: 0.68% IRA Money Market at 3.00% APY. Money market rates as of July 25, 2026 according to verified data from MonitorBankRates.
Sacramento has 11 local institutions in our database, with money market rates as high as 3.51% APY from Sacramento Credit Union at 800 H St, Sacramento, CA 95814 2607. 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 Sacramento, California and surrounding area. Last Updated and Verified: July 25, 2026
Compare the Best Money Market Rates Today in Sacramento, California & the Surrounding Area
Requires $2,500 to open. Premium Money Market requires $50,000 to open.
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.
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.
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.
Money Market as high as 2.50% APY*
Dividend rate and APY apply to entire balance in account. If balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open.
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.
Dividends paid monthly. Variable rate changes monthly. Preferred Money Market is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. One Preferred Money Market per member.
Dividend rate and APY apply to entire balance in account. If balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open.
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.
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.
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.
Sacramento, CA Money Market Rate Trends
Compare local Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, California
What is a Money Market Account (MMA)?
Are Money Market accounts in Sacramento, California safe?
How often do MMA rates change in Sacramento, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Sacramento, California?
Best Money Market Rates in Sacramento, California
- Sacramento Credit Union
MONEY MARKET — 3.51% APY - The Golden 1 Credit Union
Money Market — 3.50% APY - Patelco Credit Union
Money Market Plus — 3.25% APY - Meriwest Credit Union
Business Money Market Plus — 3.00% APY - Vision One Credit Union
IRA Money Market — 3.00% APY
Sacramento, California Rates & Resources
