Best Money Market Rates in Tracy, California - August 2026
Brian McKay
Brian McKay
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Current Tracy, California and the surrounding area money market deposit account rates include The Golden 1 Credit UnionThe Golden 1 Credit Union3202 W Grant Line Rd, Tracy, CA 95304 8427A+5.0 ★Texas Ratio: 5.04%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Savings Account at 3.50% APY, UNCLE Credit UnionUNCLE Credit Union1829 W 11th St, TRACY, CA 95376A5.0 ★Texas Ratio: 10.15%Real return: +0.35%APY minus 2.8% CPI (February 2026) Money Market at 3.15% APY, Valley First Credit UnionValley First Credit Union1003 n Central Ave, Tracy, CA 95376 3914A+5.0 ★Texas Ratio: 5.18%Real return: +0.00%APY minus 2.8% CPI (February 2026) Business Money Market Account Savings at 2.80% APY, Noble Federal Credit UnionNoble Federal Credit UnionA+5.0 ★Texas Ratio: 4.22%Real return: +3.20%APY minus 2.8% CPI (February 2026) Reverse Money Market at 6.00% APY, and 1st Northern California Credit Union1st Northern California Credit UnionA+5.0 ★Texas Ratio: 0.24%Real return: +2.59%APY minus 2.8% CPI (February 2026) 1st Class Money Market Accounts at 5.39% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Tracy has 3 local institutions in our database, with money market rates as high as 3.50% APY from The Golden 1 Credit Union at 3202 W Grant Line Rd, Tracy, CA 95304 8427. 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 Tracy, California and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Tracy, California & the Surrounding Area
Rate of 3.15% APY is available as of July 20, 2026; subject to change or cancellation without notice. APY is based on a dividend rate of 3.106%. Minimum opening deposit and minimum balance of $150,000 required to earn the stated APY. New money is required. New money is defined as funds not currently held on deposit with UNCLE Credit Union and transferred from another financial institution. Existing Money Market accountholders must increase their total Money Market balance by at least $10,000 in new money and maintain a qualifying balance of $150,000 or more to qualify for the High-Yield Money Market rate.
Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type.
Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type.
Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type.
Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type.
Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type.
$100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month.
$100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month.
$100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month.
$100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month.
$1.00 minimum balance to open account.
Tier 8
Rate Type: Variable; Compounded / Paid: Daily / Monthly
Balances below $15,000 will earn .05 APR
APY accurate as of 08/24/2026. This is a variable-rate account. The APY may change any time after the account is opened. Fees may reduce earnings.
Qualifications Required: (1) complete at least 8 debit card transactions each statement period, and (2) maintain an average daily balance greater than $3,500.00; A member must have a Shield Checking Account to be eligible to open the Shield Money Market Account. For Shield Money Market Accounts, if you meet the requirements for the Shield Checking Account, the first dividend rate (or higher yield) and annual percentage yield will apply to the entire balance in the Shield Money Market Account. The qualifications for the member's Shield Checking Account are: (1) complete at least 8 debit card transactions each statement period, and (2) maintain an average daily balance greater than $3,500.00. If you do not meet the requirements, the standard dividend and annual percentage yield listed for the Shield Money Market Account will apply to the entire balance. The balance method used to calculate the interest for the Shield Money Market Account is the Daily Balance Method.
As High As
The APY is accurate as of the effective date. Rates and terms are subject to change. Fees could 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)
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)
Variable Rate
Variable
Balance $50,000 or more
Preferred rates
Preferred rates
Preferred Rates require $25,000 not currently on deposit with Citizens.
New money only
See Account Terms for details
See Account Terms for details
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.
Tracy, CA Money Market Rate Trends
Compare local Tracy, 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 rose 0.177 points over the past 7 days to 3.334% APY.
California standard MMA rates fell 0.083 points over the past 7 days to 0.101% APY.
Tracy, 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 2026–2027.
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 3.334% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
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 Tracy, California.
Money Market Account Earnings in Tracy, 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 (3.334% APY) | Monthly Earnings | Standard MMA (0.101% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $333.35 / year | $27.78 | $10.12 / year | $0.84 |
| $25,000 | $833.37 / year | $69.45 | $25.30 / year | $2.11 |
| $50,000 | $1,666.75 / year | $138.90 | $50.60 / year | $4.22 |
| $100,000 | $3,333.50 / year | $277.79 | $101.20 / year | $8.43 |
| 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: Tracy, California money market rate averages as of August 30, 2026. | ||||
About Our Tracy, California Money Market Rate Database
MonitorBankRates found 3 institutions with branches in Tracy, plus 50 additional state-chartered and national online institutions available to Tracy residents. 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 (1–5), 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: The Golden 1 Credit Union offers a money market account at 3.50% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Tracy, California.
How to Find the Best Money Market Rates in Tracy, California
What to compare when shopping for a money market account in Tracy, California
To find the best money market APYs in Tracy, California, start with credit unions and online-only banks — Tracy, California has 44 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–$25,000, with lower rates (or monthly fees) below that threshold. The current CA high-yield money market average is 3.334% — but top local institutions are offering as high as 3.50%, 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. Tracy, California high-yield money market rates currently average 3.334% 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 Tracy, California institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 53 institutions in Tracy, 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 → Tracy, California CD rates
- You don’t need check writing and want a lower minimum → Tracy, California savings rates
- You need daily transaction access → Tracy, California checking rates
Tracy, California Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
11.3% of residents are 65 or older — below the national average of 17.3%. At today’s CA high-yield money market average of 3.334%, saving 10% of the local median salary ($5,411/year) would earn an additional $180 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Tracy, California Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Tracy, California.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CA Avg APY | 3.334% | View Savings Rates | 0.101%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Tracy, California averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Tracy, 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 Tracy, 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 Tracy, California
At CA’s top money market rate of 3.50% from The Golden 1 Credit Union, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Tracy, California earner is roughly $13,500. At 3.334% APY in a money market account, saving $1,130/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 3.334% 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 Tracy, California earner makes $54,115/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.334% APY.
Retirement PlannerA $25,000 money market balance earning 3.334% APY grows to roughly $48,168 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 Tracy, 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 Tracy, 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 Tracy, 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 Tracy, California
What is a Money Market Account (MMA)?
Are Money Market accounts in Tracy, California safe?
How often do MMA rates change in Tracy, California?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Tracy, 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 Tracy, California for money market accounts?
Best Money Market Rates in Tracy, California
- The Golden 1 Credit Union
Money Market Savings Account — 3.50% APY - UNCLE Credit Union
Money Market — 3.15% APY - Valley First Credit Union
Business Money Market Account Savings — 2.80% APY - Noble Federal Credit Union
Reverse Money Market — 6.00% APY - 1st Northern California Credit Union
1st Class Money Market Accounts — 5.39% APY
Tracy, California Rates & Resources
