El Monte, California (CA) Savings Rates - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for El Monte, California and the surrounding area include Los Angeles Federal Credit UnionLos Angeles Federal Credit Union9204 Flair Dr, El Monte, CA 91731 2834A+5.0 ★Texas Ratio: 3.94% 90th Anniversary Share Cert at 3.90% APY, El Monte Community Credit UnionEl Monte Community Credit Union11718 Ramona Blvd, El Monte, CA 91732A+5.0 ★Texas Ratio: 0.89% Regular Shares at 0.10% APY, Credit Union of Southern California Credit UnionCredit Union of Southern California Credit Union10761 Valley Blvd Unit C, El Monte, CA 91731A+5.0 ★Texas Ratio: 2.57% Sub-Savings/IRA Savings at 0.10% APY, Cathay BankCathay Bank9650 Flair Dr, El Monte, CA 91731A+5.0 ★Texas Ratio: 3.45% Statement Savings at 0.05% APY, and Certified Federal Credit UnionCertified Federal Credit Union4455 Arden Dr, El Monte, CA 91731A+5.0 ★Texas Ratio: 1.58% Savings at 0.05% APY.
El Monte has 26 local institutions in our database, with savings rates as high as 3.90% APY from Los Angeles Federal Credit Union at 9204 Flair Dr, El Monte, CA 91731 2834. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in El Monte, California and the surrounding area. Last Updated and Verified: April 6, 2026
Compare the Best Savings Rates in El Monte, California & Surrounding Communities
Minimum Opening Balance $10.00; up to $100.00
includes Secondary Savings
Fees could reduce earnings on these accounts
Fees could reduce earnings on these accounts
Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
Qualifying balance up to $500.00
Qualifying balance up to $5,000.00
Qualifying balance up to $499.99
Qualifying balance up to $500.00
Qualifying balance up to $250.00
New account APY3; This account is not available to open through our financial centers; it can only be opened online or by calling our client solutions team.
$25 Bonus
Terms and Conditions apply.
Available online for Guam and CNMI and in the branches for all other regions.
$5 monthly maintenance fee waived when average daily balance requirement is met; Optional internet banking access at no additional cost; Manage your savings effortlessly from your smartphone or computer, with 24/7 online access; Move funds smoothly between accounts and automate your savings goals for effortless financial growth; Online Only
Relationship
Available online for Guam and CNMI and in the branches for all other regions.
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.
El Monte, CA Savings Rate Trends
Compare local El Monte, 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 0.326 points over the past 7 days to 0.840% APY, up from 0.513%.
California standard savings rates rose 0.351 points over the past 7 days to 0.909% APY, up from 0.557%.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for El Monte, 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 El Monte, 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 El Monte, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in El Monte, California safe?
How often do savings rates change in El Monte, 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 El Monte, California?
How do I open a savings account in El Monte, California?
Best Savings Rates in El Monte, California
- Los Angeles Federal Credit Union
90th Anniversary Share Cert — 3.90% APY - El Monte Community Credit Union
Regular Shares — 0.10% APY - Credit Union of Southern California Credit Union
Sub-Savings/IRA Savings — 0.10% APY - Cathay Bank
Statement Savings — 0.05% APY - Certified Federal Credit Union
Savings — 0.05% APY
