Merced, California (CA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Merced, California and the surrounding area include Merced School Employees Federal Credit UnionMerced School Employees Federal Credit Union1021 Olivewood Dr, Merced, CA 95348 1218A+5.0 ★Texas Ratio: 1.99% Regular Savings at 3.75% APY, PNC BankPNC Bank3065 G St, Merced, CA 95340A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit Union87 W Alexander Ave, Merced, CA 95348 3404A-5.0 ★Texas Ratio: 15.43% Online Savings at 2.75% APY, Travis Credit UnionTravis Credit Union1194 W Olive Ave, Merced, CA 95348A+5.0 ★Texas Ratio: 5.39% Jumbo Plus MMA at 2.45% APY, and Merco Credit UnionMerco Credit Union1911 M ST, Merced, CA 95340 3706A5.0 ★Texas Ratio: 7.49% Summit Savings (Minimum Dividends at 0.10% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Merced, California, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Merced, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Merced, California and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Merced, California & Surrounding Communities
w/Direct Deposit into Checking.
Minimum Initial Deposit $50
Minimum Initial Deposit: $5.00
Minimum Initial Deposit: $5.00
$5,000
$2,000
Minimum Initial Deposit: $5.00
This account is required for membership and is your ownership into the Credit Union.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Minimum Initial Deposit $200
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Minimum Initial Deposit: $5.00
Minimum Initial Deposit $50
LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period.
Earn 10x the National Average2
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.
Terms and Conditions apply.
$25 Bonus
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.
Merced, CA Savings Rate Trends
Compare local Merced, CA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California high-yield savings rates fell 3.366 points this week to 0.193% APY, down from 3.559% last week.
California standard savings rates rose 0.018 points this week to 0.607% APY, up from 0.589% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Merced, 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 Merced, 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 Merced, California
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Merced, California safe?
How often do savings rates change in Merced, 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 Merced, California?
How do I open a savings account in Merced, California?
Best Savings Rates in Merced, California
- Merced School Employees Federal Credit Union
Regular Savings — 3.75% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Farmers Insurance Federal Credit Union
Online Savings — 2.75% APY - Travis Credit Union
Jumbo Plus MMA — 2.45% APY - Merco Credit Union
Summit Savings (Minimum Dividends — 0.10% APY
