San Diego, California (CA) Savings Rates - March 2026
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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 San Diego, California and the surrounding area include First Foundation BankFirst Foundation Bank4370 La Jolla Village Dr, San Diego, CA 92122A+5.0 ★Texas Ratio: 1.45% Online Savings at 3.75% APY, Poppy BankPoppy Bank10000 Scripps Ranch Boulevard, San Diego, CA 92131A5.0 ★Texas Ratio: 9.79% Poppy Blooms Youth Savings Account at 3.75% APY, Financial Partners Credit UnionFinancial Partners Credit Union3350 La Jolla Village Dr, San Diego, CA 92161A+5.0 ★Texas Ratio: 2.19% First Step Savings at 3.50% APY, PNC BankPNC Bank10678 Westview Pkwy, San Diego, CA 92126A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and Hanmi BankHanmi Bank4637 Convoy St, San Diego, CA 92111A+5.0 ★Texas Ratio: 2.11% Simple Savings at 2.70% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in San Diego, 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 San Diego, California (CA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in San Diego, California and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in San Diego, California & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
4370 La Jolla Village Dr, San Diego, CA 92122
Online Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
10000 Scripps Ranch Boulevard, San Diego, CA 92131
Poppy Blooms Youth Savings Account
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25 Bonus
Financial Partners Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3350 La Jolla Village Dr, San Diego, CA 92161
First Step Savings
3.50%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 23, 2026
Details
Qualifying balance up to $1,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
10678 Westview Pkwy, San Diego, CA 92126
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
4637 Convoy St, San Diego, CA 92111
Simple Savings
2.70%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
9494 Miramar Rd, San Diego, CA 92126
Premium Online Savings Account
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$5 minimum balance to open
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
701 B St, San Diego, CA 92101
High Yield Relationship Savings
2.63%
$25,000
▼
Rate0.00%
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details
Minimum opening balance of $25,000 must be new money to Banner Bank. A Banner Bank checking account is required to open a High Yield Relationship Savings account.
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
701 B St, San Diego, CA 92101
High Yield Relationship Savings
2.58%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
701 B St, San Diego, CA 92101
High Yield Relationship Savings
2.53%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
701 B St, San Diego, CA 92101
High Yield Relationship Savings
2.28%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Hanmi Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
4637 Convoy St, San Diego, CA 92111
Simple Savings
2.20%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
4250 Clairemont Mesa Blvd Ste B, San Diego, CA 92117 2747
Special Rate Savings
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Any Balance
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
Estate Savings
2.02%
$5
▼
Rate2.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
Trust Savings
2.02%
$100
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
701 B St, San Diego, CA 92101
High Yield Relationship Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
4428 Convoy St # A 200, San Diego, CA 92111
Kids Savings
2.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Complimentary Kids Savings stackable money bank and passbook at new account opening
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
701 B St, San Diego, CA 92101
High Yield Relationship Savings
1.51%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA 92123 1514
Aspire Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Available to members between the ages of 13 to 25.
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA 92123 1514
Aspire First Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Available to members ages birth to 13.
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4855 Seminole Dr, San Diego, CA 92115 4241
Holiday Savings Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$250,000+
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Savings
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$100,000-$249999.99
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$50,000-$99999.99
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
10000 Scripps Ranch Boulevard, San Diego, CA 92131
Poppy Premier Business Savings
0.50%
$0
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$25,000-$49999.99
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$10,000-$24999.99
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
YOUth Education Savings
0.35%
$5
▼
Rate0.35%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
Regular Savings
0.35%
$5
▼
Rate0.35%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9326 Spectrum Center Blvd, San Diego, CA 92123 1443
YOUth Launch Savings
0.35%
$5
▼
Rate0.35%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4493 Ruffin Rd, San Diego, CA 92123
Statement Savings
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4855 Seminole Dr, San Diego, CA 92115 4241
Primary Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
Vacation Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
IRA Savings
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
701 B St, San Diego, CA 92101
High Yield Relationship Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
Health Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA 92124 2609
Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4855 Seminole Dr, San Diego, CA 92115 4241
Primary Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
9420 Farnham St, San Diego, CA 92123
IRA Savings Account Daily Balance (including Roth)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA 92123 1514
Coverdell Education Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA 92123 1514
Inspired Share/Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1000.00-$9999.99
Poppy Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
10000 Scripps Ranch Boulevard, San Diego, CA 92131
Poppy Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
9494 Miramar Rd, San Diego, CA 92126
Money Market Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25 minimum balance to open
BluPeak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
10120 Pacific Heights Blvd Ste 100, San Diego, CA 92121 4205
BluRipple Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$0.00-$999.99
Certified Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3550 Murphy Canyon Rd, San Diego, CA 92123
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Fees could reduce earnings on these accounts
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 6073
Prime Share Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4688 Convoy St, San Diego, CA 92111
Statement Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4688 Convoy St, San Diego, CA 92111
Student Savings
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
10678 Westview Pkwy, San Diego, CA 92126
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4688 Convoy St, San Diego, CA 92111
Statement Savings
0.03%
$100
▼
Rate0.03%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Cathay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4688 Convoy St, San Diego, CA 92111
Student Savings
0.03%
$10
▼
Rate0.03%
Min Deposit$10
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
10678 Westview Pkwy, San Diego, CA 92126
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
401 B St, San Diego, CA 92101
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
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 27, 2026
Details
Earn 10x the National Average2
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 26, 2026
Details
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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.
San Diego, CA Savings Rate Trends
Compare local San Diego, 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
0.168%
▼ 1.915 from last week
California high-yield savings rates fell 1.915 points this week to 0.168% APY, down from 2.083% last week.
Standard Savings — CA Avg
0.582%
▼ 0.023 from last week
California standard savings rates fell 0.023 points this week to 0.582% APY, down from 0.605% last week.
As of Mar 29, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for San Diego, 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 San Diego, 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 San Diego, 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 San Diego, 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 San Diego, 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 San Diego, 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 San Diego, California?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in San Diego, California offer in-person customer service, which some customers prefer.
How do I open a savings account in San Diego, 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 San Diego, California
Here are recent savings rates observed in San Diego, California and the surrounding area:
- First Foundation Bank
Online Savings — 3.75% APY - Poppy Bank
Poppy Blooms Youth Savings Account — 3.75% APY - Financial Partners Credit Union
First Step Savings — 3.50% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Hanmi Bank
Simple Savings — 2.70% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in San Diego, California. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
