Modesto, California (CA) Savings Rates - April 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Modesto, California and the surrounding area include The Golden 1 Credit UnionThe Golden 1 Credit Union2001 McHenry Ave Ste F, Modesto, CA 95350 3231A+5.0 ★Texas Ratio: 5.42% Money Market Savings at 3.50% APY, Valley First Credit UnionValley First Credit Union1005 W Orangeburg Ave, Modesto, CA 95350A+5.0 ★Texas Ratio: 5.74% Purple Savings at 3.50% APY, PNC BankPNC Bank2601 Oakdale Rd, Modesto, CA 95355A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Modestos First Federal Credit UnionModestos First Federal Credit Union430 12th St, Modesto, CA 95354 2423A5.0 ★Texas Ratio: 7.44% Youth Shares** at 2.02% APY, and California Community Credit UnionCalifornia Community Credit Union3600 Sisk Rd Ste 4L, Modesto, CA 95356 0542A+5.0 ★Texas Ratio: 0.59% Regular Savings at 0.05% APY. Savings rates as of April 4, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Modesto, 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 Modesto, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Modesto, California and the surrounding area. Last Updated and Verified: April 4, 2026
Compare the Best Savings Rates in Modesto, California & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2001 McHenry Ave Ste F, Modesto, CA 95350 3231
Money Market Savings
3.50%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Purple Savings
3.50%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $10,000.00
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2001 McHenry Ave Ste F, Modesto, CA 95350 3231
Money Market Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2601 Oakdale Rd, Modesto, CA 95355
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Business Money Market Account Savings
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Business Money Market Account Savings
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Business Money Market Account Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
430 12th St, Modesto, CA 95354 2423
Youth Shares**
2.02%
$5
▼
Rate2.00%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Business Money Market Account Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Business Money Market Account Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2001 McHenry Ave Ste F, Modesto, CA 95350 3231
Money Market Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2001 McHenry Ave Ste F, Modesto, CA 95350 3231
Money Market Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
430 12th St, Modesto, CA 95354 2423
Regular Share
0.75%
$5
▼
Rate0.75%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Primary and Secondary Shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$125,000 or greater
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Primary and Secondary Shares
0.12%
$0
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 - $124,999.99
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Primary and Secondary Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$75,000 - $99,999.99
Modestos First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
430 12th St, Modesto, CA 95354 2423
Share Draft
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Business Primary Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Primary and Secondary Shares
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$30,000 - $74,999.99
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
3600 Sisk Rd Ste 4L, Modesto, CA 95356 0542
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
3600 Sisk Rd Ste 4L, Modesto, CA 95356 0542
IRA Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2001 McHenry Ave Ste F, Modesto, CA 95350 3231
Money Market Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1120 K St, Modesto, CA 95354
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Business Primary Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Valley Thrive Savings Account
0.05%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 29, 2026
Details
Balances of $10 and above enjoy a 0.05% APY
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
3600 Sisk Rd Ste 4L, Modesto, CA 95356 0542
Auxiliary Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2601 Oakdale Rd, Modesto, CA 95355
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Primary and Secondary Shares
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$1,000 - $29,999.99
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2601 Oakdale Rd, Modesto, CA 95355
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA 95350
Primary and Secondary Shares
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Up to $999.99
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Camino Ramon Ste CF120, San Ramon, CA 94583
MySavings Youth
7.00%
$0
▼
Rate6.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA 90502 1306
Summer Safeguard Savings
6.60%
$0
▼
Rate6.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4436 Atlantic Ave, Long Beach, CA 90807
Summer Savings Accounts
6.50%
$0
▼
Rate6.30%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA 91754
Youth Savings
6.18%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3992 Douglas Blvd, Roseville, CA 95661
Kids Cash Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifying balance up to $500.00
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
LevelUp Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Qualifying balance up to $250.00
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
400 Montgomery St, San Francisco, CA 94104
Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Sterling Bank and Trust, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
400 Montgomery St Ste 100, San Francisco, CA 94104
EverBank Performance Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
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.
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1912 W Sunset Blvd, Los Angeles, CA 90026
New Year Flexible Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Terms and Conditions apply.
First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
40865 Big Bear Blvd, Big Bear Lake, CA 92315
Online Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
111 Santa Rosa Avenue, Santa Rosa, CA 95404
Poppy Blooms Youth Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25 Bonus
EverTrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
13191 Crossroads Pkwy N, City Of Industry, CA 91746
Smart Saver Savings Account
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Bank of Guam
Institution Rating:
A5.0 ★Texas Ratio: 10.07%
400 Montgomery St, San Francisco, CA 94104
Boost Savings
3.56%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details
Available online for Guam and CNMI and in the branches for all other regions.
L A MISSION
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
601 S Brand Blvd Ste 100, San Fernando, CA 91340 4060
Share Loans
3.49%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
42035 Washington St, Palm Desert, CA 92211
Bloom Savings Account
3.35%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3540 Wilshire Blvd, Los Angeles, CA 90010
WooriWON Savings
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
$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
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
445 N Bedford Dr, Beverly Hills, CA 90210
Premier Relationship Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Modesto, 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 Modesto, 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 Modesto, California
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in California, help your money grow faster through a higher APY.
Are savings accounts in Modesto, California safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in California up to $250,000 per depositor, per institution.
How often do savings rates change in Modesto, California?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local California rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Modesto, California may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Modesto, California?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Modesto, California offer in-person customer service, which some customers prefer.
How do I open a savings account in Modesto, California?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Modesto, California
Here are recent savings rates observed in Modesto, California and the surrounding area:
- The Golden 1 Credit Union
Money Market Savings — 3.50% APY - Valley First Credit Union
Purple Savings — 3.50% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Modestos First Federal Credit Union
Youth Shares** — 2.02% APY - California Community Credit Union
Regular Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Modesto, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026
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