Beverly Hills, California Savings Rates - October 2026
Brian McKay
Brian McKay
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Beverly Hills, California savings account rates range from 0.01% to 6.18% APY, verified by MonitorBankRates as of October 19, 2026. The best savings rates for Beverly Hills, California and the surrounding area include WaFd BankWaFd Bank175 S Beverly Dr, Beverly Hills, CA 90212A+5.0 ★Texas Ratio: 4.48%Real return: +2.20%APY minus 2.8% CPI (February 2026) Start Savings at 5.00% APY, EverBankEverBank9550 Santa Monica Blvd, Beverly Hills, CA 90210A+5.0 ★Texas Ratio: 5.00%Real return: +1.40%APY minus 2.8% CPI (February 2026) Performance Savings at 4.20% APY, ValleyDirectValleyDirect225 N Beverly Dr, Beverly Hills, CA 90212A+5.0 ★Texas Ratio: 5.76%Real return: +1.20%APY minus 2.8% CPI (February 2026) High Yield Savings Account at 4.00% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO8820 Wilshire Blvd, Beverly Hills, CA 90211A+5.0 ★Texas Ratio: 2.49%Real return: +1.20%APY minus 2.8% CPI (February 2026) Kids Cash Savings at 4.00% APY, and Flagstar Bank, National AssociationFlagstar Bank, National Association17430 W 13 Mile Rd, Beverly Hills, MI 48025D3.3 ★Texas Ratio: 35.11%Real return: +1.20%APY minus 2.8% CPI (February 2026) Flagstar Ready Savings at 4.00% APY.
Beverly Hills has 36 local institutions in our database, with savings rates as high as 5.00% APY from WaFd Bank at 175 S Beverly Dr, Beverly Hills, CA 90212. Use the table below to compare all available offers, including options from institutions serving the broader California area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Beverly Hills, California and the surrounding area. Last Updated and Verified: October 19, 2026
Compare the Best Savings Rates in Beverly Hills, California & Surrounding Communities
Balance: $0 - $500; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
New account APY only; variable rate account, APY may change without notice; interest compounded daily; no monthly maintenance fee; no minimum balance required; available exclusively online and by phone
- Oct 7, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Term: 12 months introductory promotion; New customer introductory promo; must be a new Valley National Bank customer; introductory rate is standard rate plus 0.67% for one year; online only
Balance: $.01 - $500.00
Promotional APY for first 180 days on balances greater than or equal to $10,000; balances at or below $9,999.99 earn the non-promotional rate; new personal savings clients only; Personal accounts only
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $0.01 and over; No account fees; Individual or joint account; FDIC insured up to $250,000 per account owner
Balance: >= $5,000
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Earn up to 3.50% APY when you are an account owner of a U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Balance: $25,000 or more; Rates for New Savings Customers; Earn 3.25% APY as a new Wells Fargo savings customer; California Bay Area counties branches only
- Oct 14, 20263.25%▲ from 0.05%
- Oct 7, 20260.05%▲ from 0.01%
- Sep 14, 20260.01%first recorded
RELATIONSHIP APY when eligibility requirements are met; Balance: $1 or more; Requires U.S. HSBC Premier relationship; Not available to business customers
- Oct 3, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $500.01 - $1000; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
Balance: $10 +; No monthly service charge; Open Online
Balance: >= $25,000
Base Tier; Balance: < $25,000
Balance: >= $25,000
Balance: < $5,000
- Oct 6, 20260.25%▼ from 3.75%
- Sep 24, 20263.75%first recorded
Balance: > $250,000
Balance: $100,000 - $250,000 or more; Requires HSBC Premier relationship
Balance: $100,000 - $250,000 or more; Available to customers with an HSBC Premier checking account; Not available to business customers
Balance: $25,000 - $99,999.99; Requires HSBC Premier relationship
Balance: $25,000 - $99,999.99; Available to customers with an HSBC Premier checking account; Not available to business customers
Balance: $100 Plus; $100 minimum to earn interest; $100 minimum balance to waive $10 monthly service charge; Open Online
Balance: $1000 +; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
STANDARD APY; Balance: $1 or more; Available to HSBC Premier relationship customers; Not available to business customers
When linked to Premier Checking; Balance: $0 or more; California Bay Area counties branches only
Balance: $.01 - $4,999.99
When linked to Prime Checking; Balance: $0 or more; California Bay Area counties branches only
Balance: $0 - $24,999.99; Requires HSBC Premier relationship
Balance: $0 - $24,999.99; Available to customers with an HSBC Premier checking account; Not available to business customers
Balance: $0 or more; Standard Interest Rates; California Bay Area counties branches only
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0 or more; Standard Interest Rate; California Bay Area counties branches only
Balance: $500.01 or more
Balance: $0.00 - $1,000.00; Preferred dividend rate on balances up to $1,000; Available to youth up to age 221/2, or 261/2 with paperless eStatements; Open via Digital Banking, Member Contact Center, or branch
Club Accounts
Balance: $0.01 - $1,000; Qualifying balance up to $1,000.00; Rates are variable and may change after account opening
Anticipated Dividend Rate; Anticipated APY; Must be school/college employee and set up payroll deduction; see More details on Summer Savings account
Balance: $25 - $2,500; Summertime Savings for School Employees only, working 10 month schedules to help save for summer months; requires an electronic direct deposit between $25-$2,500 monthly deposit; no cash or checks deposit allowed
Bonus rate for certificated and classified school employees of Board approved SEGs; deposits by direct deposit, payroll deduction, online banking transfer, or at any branch; maximum deposit per month $3,000; dividends not earned on deposits over $3,000; combined $3,000 monthly maximum with Christmas Club
Program year June 15, 2026 - June 15, 2027; fixed rate for entire program year; Deposit $50 - $2,000 each month via direct deposit or payroll deduction; dividends paid quarterly and at maturity June 15, 2027; one-time additional deposit of up to $2,000 allowed; Limit 1 account per Member; Membership required
- Oct 4, 20265.10%▲ from 0.23%
- Sep 14, 20260.23%first recorded
5.00% APY on savings; part of the Axos ONE bundle
As Low As; Earn up to 5.00% APY on savings for new customers' first 6 months; No monthly maintenance, balance, opening, or overdraft fees; Early payday: get paid up to 2 days early
- Oct 14, 20265.00%▲ from 4.21%
- Sep 30, 20264.21%first recorded
Balance: $0 - $499.99; Deposit or withdraw as needed; No monthly service fee
Balance: $0 - $499.99
Balance: $0.00 - $1,000.00
APY dividend of 5.00% earned on balances $100.00 to $5,000.99; balances $5,001.00 and above earn 0.20% APY; dividend rate and APY subject to change without notice after account opening; requires open checking account under same membership number; must be 22 or older; one per Social Security or Taxpayer Identification Number; converts to Regular Savings if checking account closes; Minimum Balance/Average Daily Balance: $5/$100
Balance: $5 - $5,000; Max. to Earn APY: $5000; 5.00% APY applies to balance up to $5,000
Qualifications Required; Balance up to $500.00; First Entertainment Checking Account with eStatements only; active online Bill Pay or Direct Deposit; One First500 Account per Social Security Number
Balance: first $500; Ages 17 and under; Requires enrollment in Digital Banking and eStatements; Parent or legal guardian as Joint Owner
Balance: $0-$499.99; Visit A Branch to Open Account
Bonus dividend rate for first 12 months from account open date; Balance: $0.01 - $2,500.00; Qualifying balance up to $2,500.00; New members only; Anticipated APY 5.0%; Non-bonus rate 0.05% with 0.05% APY on balances $2,500.01 and greater; Offer subject to change without notice
Balance: $0.00 - $5,000.00; Variable tiered-rate thereafter; No monthly fee; Ministry savings account
Balance: $0-$5,000; Variable-tiered rate, each tier accrues at its own rate; Earn 5.00% APY on balances up to $5,000; No monthly fee; Must register & use Online/Mobile Banking; One Harvest Savings account per member
Qualifying balance up to $5,000.00; Balance: $0-$5,000; Tiered savings: $5,000.01-$10,000 earns 2.25% APY, $10,000.01+ earns 0.10% APY; $5.00 monthly fee if balance falls below $100.00
Balance: Up to $25,000
- Oct 14, 20264.50%▲ from 4.41%
- Oct 7, 20264.41%▲ from 0.10%
- Sep 18, 20260.10%▼ from 4.41%
- Sep 15, 20264.41%first recorded
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Limited to Members who are buying a home and participating in SchoolsFirst FCU Home360; limit one per Membership; additional deposits allowed to a maximum balance of $150,000; partial withdrawals not permitted; withdrawals not used for a home purchase with SchoolsFirst FCU are subject to a penalty
- Sep 29, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Balance: $100 to $10,000; Available only to new members during the first thirty (30) days from the date of opening a membership; APYs assume a $100,000 minimum average daily balance
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Qualifications Required; Balance up to $25,000.00; Direct deposit of at least $500.00 during a month to a Freedom Direct, Justice National, Beyond the Badge or Student checking account; One Freedom Direct Savings per Justice Federal membership
- Oct 12, 20264.00%▲ from 0.10%
- Oct 4, 20260.10%first recorded
Balance: <= $25,000; Footnote 3: requires minimum monthly average daily balance of $500, $25 per month auto transfer from a Rize checking account, and enrollment in digital banking and eStatements
Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Rates effective 3/25/26; Non-qualifying rate is 0.00% APY
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Balance: $1,000.01 - $10,000.00
Balance: $0.01-$1,000.00; Apply Online
Balance: $0.01-$1,000.00; Highest yield on balances up to $1,000; Apply for Youth Savings
Balance: $0.01 - $4,999.99
Last declared dividend rate as of the last dividend declaration date; dividends compounded and credited annually; minimum average daily balance of $5.00 to obtain the disclosed APY
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.
Beverly Hills, CA Savings Rate Trends
Compare local Beverly Hills, CA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California high-yield savings rates rose 0.112 points over the past 7 days to 2.652% APY, up from 2.539%.
California standard savings rates rose 0.031 points over the past 7 days to 0.742% APY, up from 0.711%.
Beverly Hills, California Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current CA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 2.652% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Beverly Hills, California.
Savings Account Earnings in Beverly Hills, California
Annual interest earnings at current CA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.652% APY) | Monthly Earnings | Standard Savings (0.742% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $132.58 / year | $11.05 | $37.09 / year | $3.09 |
| $10,000 | $265.15 / year | $22.10 | $74.17 / year | $6.18 |
| $25,000 | $662.88 / year | $55.24 | $185.43 / year | $15.45 |
| $50,000 | $1,325.75 / year | $110.48 | $370.85 / year | $30.90 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Beverly Hills, California savings rate averages as of October 19, 2026. | ||||
About Our Beverly Hills, California Savings Rate Database
MonitorBankRates found 10 institutions with branches in Beverly Hills, plus 27 additional state-chartered and national online institutions available to Beverly Hills 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 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: WaFd Bank offers a savings account at 5.00% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Beverly Hills, California.
How to Find the Best Savings Rates in Beverly Hills, California
What to compare when shopping for a savings account in Beverly Hills, California
To find the best savings APYs in Beverly Hills, California, start with credit unions and online-only banks: Beverly Hills, California has 26 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current CA high-yield savings average is 2.652% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Beverly Hills, California high-yield savings rates currently average 2.652% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Beverly Hills, California institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 37 institutions in Beverly Hills, California report savings rates to our database.
- You’re among Beverly Hills, California’s 25.4% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 Beverly Hills, California CD rates
- You want check-writing flexibility Beverly Hills, California money market rates
- You need daily transaction access Beverly Hills, California checking rates
Beverly Hills, California Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
25.4% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market; an unemployment rate of 8.3% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s CA high-yield savings average of 2.652%, saving 10% of the local median salary ($7,169/year) would earn an additional $190 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Beverly Hills, California Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Beverly Hills, California.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current CA Avg APY | 2.652% | 0.742% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Beverly Hills, California averages tracked in our database as of October 19, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Beverly Hills, California
At CA’s top rate of 5.00% from WaFd Bank, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Beverly Hills, California earner is roughly $17,900. At 2.652% APY, saving $1,490/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsCalifornia’s high-yield savings average is 2.652% APY, variable and always accessible. 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 Beverly Hills, California earner makes $71,693/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.652% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.652% APY grows to roughly $42,194 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 Beverly Hills, California savings 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 Savings Rate Data: We aggregate savings account rates for Beverly Hills, 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 savings 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 Beverly Hills, California. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Beverly Hills, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Beverly Hills, California safe?
How often do savings rates change in Beverly Hills, California?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Beverly Hills, California?
How do I open a savings account in Beverly Hills, California?
Best Savings Rates in Beverly Hills, California
- WaFd Bank
Start Savings: 5.00% APY - EverBank
Performance Savings: 4.20% APY - ValleyDirect
High Yield Savings Account: 4.00% APY - First Bank Creve Coeur, MO
Kids Cash Savings: 4.00% APY - Flagstar Bank, National Association
Flagstar Ready Savings: 4.00% APY
Beverly Hills, California Rates & Resources
