Oakland, California (CA) Savings Rates - March 2026
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Brian McKay
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Brian McKay
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Editorial Disclosure
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 Oakland, California and the surrounding area include Sterling Bank and Trust, FSBSterling Bank and Trust, FSB735 Webster St, Oakland, CA 94607A+5.0 ★Texas Ratio: 2.04% EverBank Performance Savings at 3.90% APY, First Foundation BankFirst Foundation Bank323 20th St, Oakland, CA 94612A+5.0 ★Texas Ratio: 1.45% Online Savings at 3.75% APY, The Golden 1 Credit UnionThe Golden 1 Credit Union2251 Broadway, Oakland, CA 94612A+5.0 ★Texas Ratio: 5.42% Money Market Savings at 3.50% APY, Metropolitan BankMetropolitan Bank250 E 18th St, Oakland, CA 94606A+5.0 ★Texas Ratio: 0.21% Health Savings Account at 0.50% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union140 Frank H Ogawa Plz, Oakland, CA 94612B4.4 ★Texas Ratio: 21.76% IRA Savings Account (Traditional, Roth and Coverdell) at 0.30% APY.
To see how these savings rates in Oakland, 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 Oakland, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Oakland, California and the surrounding area. Last Updated and Verified: March 20, 2026
Oakland, CA Savings Rate Trends
Compare local Oakland, 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.
High-Yield Savings — CA Avg
0.537%
California high-yield savings rates currently average 0.537% APY based on data from institutions in our monitoring network.
Standard Savings — CA Avg
0.494%
▲ 0.044 from last week
California standard savings rates rose 0.044 points this week to 0.494% APY, up from 0.450% last week.
As of Mar 20, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Oakland, California & Surrounding Communities
Institution
Product
APY
Min Deposit
Profile
Sterling Bank and Trust, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
735 Webster St, Oakland, CA 94607
EverBank Performance Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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.
First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
323 20th St, Oakland, CA 94612
Online Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2251 Broadway, Oakland, CA 94612
Money Market Savings
3.50%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2251 Broadway, Oakland, CA 94612
Money Market Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2251 Broadway, Oakland, CA 94612
Money Market Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2251 Broadway, Oakland, CA 94612
Money Market Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
250 E 18th St, Oakland, CA 94606
Health Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
140 Frank H Ogawa Plz, Oakland, CA 94612
IRA Savings Account (Traditional, Roth and Coverdell)
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
250 E 18th St, Oakland, CA 94606
Super Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
250 E 18th St, Oakland, CA 94606
Value Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
140 Frank H Ogawa Plz, Oakland, CA 94612
Regular Savings Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
140 Frank H Ogawa Plz, Oakland, CA 94612
Regular Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
2,4
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
140 Frank H Ogawa Plz, Oakland, CA 94612
eSavings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
2,4
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.42%
2251 Broadway, Oakland, CA 94612
Money Market Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
95 Linden St Ste 12, Oakland, CA 94607
Regular Shares
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
95 Linden St Ste 12, Oakland, CA 94607
Captain's Club (Children's Savings)
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
710 Webster St, Oakland, CA 94607
Statement Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2040 Franklin St, Oakland, CA 94612
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
250 E 18th St, Oakland, CA 94606
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Interest Compound Daily, pay monthly
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
250 E 18th St, Oakland, CA 94606
Value Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Interest Compound Daily
Metropolitan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
250 E 18th St, Oakland, CA 94606
Value Savings (Business)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pay quarterly, actual/actual day basis
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
710 Webster St, Oakland, CA 94607
Statement Savings
0.03%
$100
▼
Rate0.03%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2040 Franklin St, Oakland, CA 94612
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
How to avoid the $5 monthly service fee
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2040 Franklin St, Oakland, CA 94612
Way2Save Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2040 Franklin St, Oakland, CA 94612
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
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 18, 2026
Details
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 14, 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
▼
Rate6.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Youth up to age 261?2
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA 91007
Summertime Savings for School Employees
6.00%
$50
▼
Rate5.83%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1800 BROADVIEW DR, GLENDALE, CA 91208
Summertime Savings
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Sun Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.98%
1068 Broadway Ave, El Centro, CA 92243 2315
Hello Summer Savings
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA 93436 1404
Early Savers Shares
5.64%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $500.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
15804 Roscoe Blvd, Van Nuys, CA 91406 1350
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $5,000.00
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Ministry Harvest Savings Daily Balance
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
$0-$5,000
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA 90068
First500 Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Ministry Harvest Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA 92821 5819
Non-Profit Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Business Harvest High-Yield Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
265 Curtner Ave, San Jose, CA 95125
Go Savings
5.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $2,500.00
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA 90068
First500 Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $500.00
Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA 90241 3718
Elevate Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA 92821 5819
Harvest High-Yield Savings
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $5,000.00
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA 91773 2308
Harvest Savings
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $5,000.00
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
Premier Savings
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 18, 2026
Details
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—
UpdatedMar 20, 2026
Details
Earn 10x the National Average2
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 15, 2026
Details
$25 Bonus
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 11, 2026
Details
Terms and Conditions apply.
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 15, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
202 N Hunter St, Stockton, CA 95202
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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 15, 2026
Details
Online-only savings account
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 15, 2026
Details
Bank of Guam
Institution Rating:
A5.0 ★Texas Ratio: 10.07%
400 Montgomery St, San Francisco, CA 94104
True Savings Plus
3.04%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Online account opening required
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA 94105
LevelUp Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Standard Rate
American First National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
18605 Gale Ave, City Of Industry, CA 91748
VIP savings account
3.00%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
guaranteed through June 30, 2026
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3540 Wilshire Blvd, Los Angeles, CA 90010
WooriWON Savings
2.95%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Online-only savings account
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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 Oakland, 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 Oakland, 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 Oakland, 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 Oakland, 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 Oakland, 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 Oakland, 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 Oakland, California?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Oakland, California offer in-person customer service, which some customers prefer.
How do I open a savings account in Oakland, 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 Oakland, California
Here are recent savings rates observed in Oakland, California and the surrounding area:
- Sterling Bank and Trust, FSB
EverBank Performance Savings — 3.90% APY - First Foundation Bank
Online Savings — 3.75% APY - The Golden 1 Credit Union
Money Market Savings — 3.50% APY - Metropolitan Bank
Health Savings Account — 0.50% APY - UNIFY Financial Federal Credit Union
IRA Savings Account (Traditional, Roth and Coverdell) — 0.30% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Oakland, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
Savings Calculators
