San Lucas, California Money Market Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
San Lucas, California money market account rates from banks and credit unions serving California range from 2.55% to 6.00% APY, verified by MonitorBankRates as of October 28, 2026. Current San Lucas, California and the surrounding area money market deposit account rates include Noble Federal Credit UnionNoble Federal Credit UnionA+5.0 ★Texas Ratio: 4.29%Real return: +2.30%APY minus 3.7% CPIRate verified Oct 23, 2026 Reverse Money Market at 6.00% APY, 1st Northern California Credit Union1st Northern California Credit UnionA+5.0 ★Texas Ratio: 0.12%Real return: +1.69%APY minus 3.7% CPIRate verified Oct 26, 2026 1st Class Money Market Accounts at 5.39% APY, SunwardSunwardA+5.0 ★Texas Ratio: 2.97%Real return: +1.35%APY minus 3.7% CPIRate verified Oct 23, 2026 Power Money Market Account at 5.05% APY, Beach Cities Commercial BankBeach Cities Commercial BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.19%APY minus 3.7% CPIRate verified Oct 27, 2026 Money Market Accounts - Elite at 4.89% APY, and Infinity BankInfinity BankA+5.0 ★Texas Ratio: 5.65%Real return: +0.80%APY minus 3.7% CPIRate verified Oct 26, 2026 Infinity Advantage Money Market Account at 4.50% APY. Money market rates as of October 28, 2026 according to verified data from MonitorBankRates.
San Lucas is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the California area are available to San Lucas residents, with money market rates as high as 6.00% APY from Noble Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in San Lucas, California and surrounding area. Last Updated and Verified: October 28, 2026
Compare the Best Money Market Rates Today in San Lucas, California & the Surrounding Area
Balance: from $100 (tier band as printed: $100 minimum)
Balance: $0.00 - 24,999.99
Balance: $0.00 - $2,500.00
Balance: $499,999; Treasury-indexed APY (2 Year-Treasury); new money may be required
Balance: $249,999; Treasury-indexed APY (1 Year-Treasury); new money may be required
Balance: $100,000 and over; 6-month promotional APY; To qualify: minimum average daily balance of $100,000, customer located in Southern California, new money placed in a newly opened account; Maximum deposit balance of $2,500,000.00
Balance: Tier 7 (minimum balance to earn dividends $5,000,000); Variable rate; Compounded Daily / Monthly
Today's Rate - Valid 10/26/2026; Dividend rates and APYs depend on balance tiers; $10.00 monthly fee if average daily balance falls below $2,500
Promotional rate on new money deposits; available October 1 through December 31, 2026; no monthly fees
- Oct 10, 20264.35%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $100,000 and over; 4-month promotional APY; To qualify: minimum average daily balance of $100,000, customer located in Southern California, new money placed in a newly opened account; Maximum deposit balance of $2,500,000.00
Balance: $500,000.00 - $999,999.99; Money market tier; product columns not separately mapped in source
Limited Time Special Offer; Rate Type: Variable; Balance: $50,000 - $250,000
Balance: $150,000.00 - $249,999.99; Money market tier; product columns not separately mapped in source
Promotional boosted APY for up to 6 months with promo code UFB75; new customers only; offer ends 10/31/26; after boost period earns standard rate; no monthly maintenance fee with $5,000.00 balance, otherwise $10.00 per month
Balance: $0 -$1,000
Balance: $250,000.01 or greater
Balance: $2,500.00 - $9,999.99; Money market tier; product columns Premier MM, Performance MM, MM Growth, IRA variants not separately mapped in source; requires active checking, credit card, and loan/investment/insurance relationship
New Money; Balance: $250,000.00 and over; Minimum To Keep Open: $5.00; Minimum Earning Balance: $250,000.00; Open Online
- Oct 14, 20264.00%▲ from 3.00%
- Oct 10, 20263.00%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $1,000.00 - $100,000.00; Promotional rate; new money required; six free withdrawals per monthly statement cycle; no maintenance fees; balances over $100,000 earn blended APY
Balance: $1,000,000.00+; APY (Estimate)
Balance: $0 - $1,000
- Oct 20, 20263.93%▼ from 4.00%
- Sep 24, 20264.00%first recorded
Balance: $1,000,000 and over
Balance: $1,000,000.00 and over; Open Online
Balance: $24,999.01 & Above
Balance: $250,000 OR MORE; Only available for new members; Only new money qualifies (funds not currently on deposit with Travis Credit Union)
Balance: $25,000; Treasury-indexed APY; new money may be required
Balance: $1,000,000 - $5,000,000
- Oct 5, 20263.75%▲ from 3.65%
- Sep 25, 20263.65%first recorded
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
In Branch Only; Balance: $0 OR MORE; Offer only for new and existing business members who open in branch; APY accurate as of 06-01-2026
Balance: $50,000-$249,999.99; Only available for new members; Only new money qualifies (funds not currently on deposit with Travis Credit Union)
Qualifications Required; Balance: $250,000 and over; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits
- Oct 9, 20263.66%▲ from 3.50%
- Sep 14, 20263.50%first recorded
New money only; $50,000 minimum balance; 3.65% APY on qualifying new money deposits of $50,000 or more; Offer effective 8/6/2026
Balance: $500,000 - $999,999
- Oct 5, 20263.65%▲ from 3.55%
- Sep 25, 20263.55%first recorded
Balance: $0 TO $1,000; Only new money qualifies for the Jumpstart Money Market Account
Balance: $0 TO $1,000; Only new money qualifies; No monthly maintenance fees
New Money; Balance: $100,000.00 - $249,999.99; Minimum To Keep Open: $5.00; Minimum Earning Balance: $100,000.00; Open Online
- Oct 14, 20263.65%▲ from 2.65%
- Oct 10, 20262.65%▲ from 2.15%
- Sep 14, 20262.15%first recorded
Balance: $100,000.01 or >
Balance: $300,000.00 and Above; Relationship rate; Rate Type: Variable
Balance: $300,000.00 & Above; Relationship rate; Rate Type: Variable
Balance: $50,000 or more
Balance: $500,000 and over; Money Market requires $2,500 to open
Balance: $500,000 and over; Premium Money Market requires $50,000 to open
Balance: $25,000 - $49,999; Preferred Rates require $25,000 not currently on deposit with Citizens; Rates accurate as of 10/19/2026
Balance: $1,000,000 - $9,999,999.99
Balance: $250,000.00-$999,999,999.99
Business Saving Accounts
Balance: $100,000.01 - $250,000
Balance: $300,000 +; Dividends accrued daily and paid monthly; No check-writing capabilities allowed
Balance: $500,000 - $999,999.99; Requires Premier Checking to open
Balance: $500,000 and over; For qualified members only; Dividends accrue daily and are paid monthly
Balance: $500,000.00 and over; Apply Online
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $0-$49,999.99; Only available for new members; Only new money qualifies (funds not currently on deposit with Travis Credit Union)
Balance: $250,000+; Maximum: No Limit
Qualifications Required; Balance: $150,000 - $249,999.99; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits
- Oct 9, 20263.46%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Balance: $250,000 - $999,999.99
Balance: $250,000.00-$999,999.99; Open Online
Balance: $250,000+; Rates contingent on meeting checking account requirements; Rates current as of October 1, 2026
- Oct 9, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Dividends compounded monthly; dividends credited monthly and at closure; APY is variable; fees may reduce earnings
Qualifications Required; Balance: $100,000 - $149,999.99; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits
- Oct 9, 20263.41%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $25,000 to $49,999.99; Rate valid for new Elite Money Market clients only, requires deposit of at least $25,000 within 30 days; Monthly Maintenance Fee $10 (waivable); Rates effective Oct 26, 2026 for ZIP 55402
Balance: $100,000.00-$249,999.99
Balance: All Balances; Interest compounded daily; Only $100 minimum to open; No monthly fee; $5 monthly fee if you receive paper statements; Online account opening
Balance: $100,000.00 and over; Personal Premier Package requires a combined linked balance of at least $25,000.00; new funds required to earn APY; APY effective as of September 24, 2026; promotional offer may end at the Bank's discretion
Balance: $50,000.00-$99,999.99
Balance: $0 to $9,999.99
Balance: $25,000.00 - $99,999.99; Personal Premier Package requires a combined linked balance of at least $25,000.00; new funds required to earn APY; APY effective as of September 24, 2026; promotional offer may end at the Bank's discretion
Manager: DREYFUS; External CUSIP: 370375206; Ticker: GMBXX; 7-Day Yield
Manager: DREYFUS; 7-Day Yield; Ticker: GMBXX; CUSIP: 370375206
Featured on homepage: 3.05% APY for 6 months
Balance: $24,999.00 & Below
Balance: $100,000 and over; $5 monthly maintenance charge waived when minimum balance requirement is met; APYs accurate as of 12/11/2025
Balance: $10,000 - $99,999.99; $5 monthly maintenance charge waived when minimum balance requirement is met; APYs accurate as of 12/11/2025
Balance: $25,000 and over; Minimum daily balance to obtain APY; $25,000 minimum opening balance; Monthly service fee $15 unless requirements met; To receive the APY, account must be opened online
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.
San Lucas, CA Money Market Rate Trends
Compare local San Lucas, 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 fell 0.022 points over the past 7 days to 3.295% APY.
California standard MMA rates rose 0.062 points over the past 7 days to 0.444% APY.
San Lucas, California Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current CA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current CA high-yield money market average of 3.295% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in San Lucas, California.
Money Market Account Earnings in San Lucas, California
Annual interest earnings at current CA average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.295% APY) | Monthly Earnings | Standard MMA (0.444% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $329.51 / year | $27.46 | $44.36 / year | $3.70 |
| $25,000 | $823.78 / year | $68.65 | $110.90 / year | $9.24 |
| $50,000 | $1,647.55 / year | $137.30 | $221.80 / year | $18.48 |
| $100,000 | $3,295.10 / year | $274.59 | $443.60 / year | $36.97 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: San Lucas, California money market rate averages as of October 28, 2026. | ||||
Available in San Lucas, California Area
About Our San Lucas, California Money Market Rate Database
MonitorBankRates tracks money market rate offers from 69 banks and credit unions available to San Lucas, California residents via statewide and national offers. No branch locations physically in San Lucas are currently in our database, but all listed offers are open to San Lucas depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Noble Federal Credit Union offers a money market account at 6.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in San Lucas, California.
How to Find the Best Money Market Rates in San Lucas, California
What to compare when shopping for a money market account in San Lucas, California
To find the best money market APYs in San Lucas, California, start with credit unions and online-only banks: San Lucas, California has 53 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current CA high-yield money market average is 3.295% but top local institutions are offering as high as 6.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. San Lucas, California high-yield money market rates currently average 3.295% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at San Lucas, California institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 69 institutions in San Lucas, California report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return San Lucas, California CD rates
- You don’t need check writing and want a lower minimum San Lucas, California savings rates
- You need daily transaction access San Lucas, California checking rates
California Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
15.7% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.6% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s CA high-yield money market average of 3.295%, saving 10% of the local median salary ($4,903/year) would earn an additional $162 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other San Lucas, California Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in San Lucas, California.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CA Avg APY | 3.295% | View Savings Rates | 0.444%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects San Lucas, California averages tracked in our database as of October 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
San Lucas, California Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current San Lucas, California rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for San Lucas, California
At CA’s top money market rate of 6.00% from Noble Federal Credit Union, a $10,000 deposit earns $600 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median San Lucas, California earner is roughly $12,300. At 3.295% APY in a money market account, saving $1,020/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountCalifornia’s high-yield money market average is 3.295% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median San Lucas, California earner makes $49,032/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.295% APY.
Retirement PlannerA $25,000 money market balance earning 3.295% APY grows to roughly $47,812 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Lucas, 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 San Lucas, 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 San Lucas, 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 San Lucas, California
What are money market account rates in San Lucas, California today?
What is a Money Market Account (MMA)?
Are Money Market accounts in San Lucas, California safe?
How often do MMA rates change in San Lucas, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in San Lucas, California?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in San Lucas, California for money market accounts?
Best Money Market Rates in San Lucas, California
- Noble Federal Credit Union
Reverse Money Market: 6.00% APY - 1st Northern California Credit Union
1st Class Money Market Accounts: 5.39% APY - Sunward
Power Money Market Account: 5.05% APY - Beach Cities Commercial Bank
Money Market Accounts - Elite: 4.89% APY - Infinity Bank
Infinity Advantage Money Market Account: 4.50% APY
San Lucas, California Rates & Resources
