Market: Sacramento
Rates as of August 5, 2026Standard, openable certificates at published rates — no new-money requirements, no introductory teasers. Openable promotional specials are included where any depositor can open them for the full term, and labeled as specials. Where an institution publishes a higher relationship rate, it appears in its own column with what earns it.
| Institution | 12-month APY | Relationship APY | Qualifies with | Minimum & conditions | Verified |
|---|---|---|---|---|---|
| Capital One 360 (online) | 4.00% | — | — | 360 CD, no minimum. Online only. | Aug 5, 2026 |
| Marcus by Goldman Sachs (online) | 3.90% | — | — | High-Yield CD, $500 minimum. Online only; its 14-month pays 4.10%. | Jul 31, 2026 |
| Heritage Community Credit UnionBest local | 3.75% | — | — | Standard 1-year share certificate, $1,000 minimum — and the same 3.75% at 2, 3, 4, and 5 years. Specials: 9-month at 4.10%; 17-month at 4.10%, or 4.35% with a new Heritage checking account plus qualifying direct deposit. | Aug 5, 2026 |
| Ally Bank (online) | 3.70% | — | — | High Yield CD, no minimum. Online only. | Aug 4, 2026 |
| Golden 1 Credit Union | 3.20% | — | — | Standard 12-month certificate, $500 minimum. | Jul 24, 2026 |
| SAFE Credit Union | 3.04% | 3.29% | Capitol Club membership | 12-month certificate special, $500 minimum, openable by anyone for the full term; standard 12-month pays 2.43%. Capitol Club status adds 0.25 points to any SAFE certificate. SAFE's 6-month special pays 3.45%, or 3.70% for Capitol Club members. | Aug 3, 2026 |
| First U.S. Community Credit Union | 3.00% | — | — | Standard 12-month, $500 minimum; 3.10% at $100,000+. A 3-to-12-month certificate special pays 3.60%. | Aug 4, 2026 |
| USAA (online, nationwide) | 1.80% | — | — | Standard 12-month CD. | Jul 24, 2026 |
| Travis Credit Union | 1.40% | — | — | Standard 12-month certificate. Travis runs promotional certificate specials at higher rates; see note below. | Jul 24, 2026 |
| Bank of America | 0.05% | — | — | Standard 12-month CD. | Jul 24, 2026 |
Standard openable certificates at each institution's published rate for the term shown (SAFE's grid is the $500-minimum column of its published sheet; $25,000+ deposits earn slightly more at most terms). A dash means no published standard rate at that term.
| Institution | 6-month | 12-month | 24-month | 36-month | 60-month |
|---|---|---|---|---|---|
| Heritage Community CU | 3.80% | 3.75% | 3.75% | 3.75% | 3.75% |
| Golden 1 Credit Union | 3.05% | 3.20% | 3.25% | 3.35% | 3.55% |
| First U.S. Community CU | 2.85% | 3.00% | 3.15% | 3.30% | 3.50% |
| SAFE Credit Union | 1.92% | 2.43% | 2.68% | 2.94% | 3.20% |
| USAA (online) | 2.25% | 1.80% | 1.40% | 1.30% | 1.25% |
| Travis Credit Union | 0.90% | 1.40% | 2.10% | 2.20% | 2.55% |
| Bank of America | 0.03% | 0.05% | 0.10% | 0.12% | 0.15% |
| Capital One 360 (online) | 3.30% | 4.00% | 3.50% | 3.50% | 3.60% |
| Marcus by Goldman Sachs (online) | 3.95% | 3.90% | 3.70% | 3.70% | 3.80% |
| Ally Bank (online) | 3.30% | 3.70% | 3.00% | 3.50% | 3.40% |
Highlighted cells are the best published standard rate at that term in this comparison. The local story changed with the August data: Heritage Community CU leads every standard local term with a flat 3.75% from 1 to 5 years (3.80% at 6 months, and a 9-month special at 4.10%), displacing Golden 1. Online, Capital One pays 4.00% at 12 months and Marcus 3.95% at 6. Openable specials still shape the short end — SAFE's 6-month special pays 3.45% (3.70% for Capitol Club members). First U.S.'s rates rise with deposit size (base column shown; about +0.10% at $100,000+), and its 3-to-12-month special pays 3.60%. First U.S. also publishes a 3-month certificate at 2.80%, and its 6-month pays 2.90% at $10,000+.
Liquid (no-penalty) certificates. No local institution in this comparison publishes one. Online, Marcus's 11-month No-Penalty CD pays 4.00% APY and Ally's No-Penalty CD pays 2.70%.
IRA certificates and savings.SAFE Credit Union publishes the most complete IRA deposit menu in this comparison: IRA versions of its certificate specials (6-month at 3.45%, 12-month at 3.04%), IRA certificates on the standard grid above, an IRA Add-On certificate at 2.43% ($25 minimum, deposits accepted any time), and IRA savings paying 0.25%–0.35% by balance. Golden 1 and Travis offer IRA certificates; their rates typically match the standard grids above.
Jumbo certificates. No institution in this comparison publishes a distinct jumbo certificate sheet. The closest published equivalent: SAFE's certificate grid pays a higher tier at $25,000+ (for example 3.25% vs 3.20% at 60 months), and large-deposit pricing beyond that is negotiated rather than published — worth asking any institution directly at $100,000+.
The highest published deposit yield in this market is a checking account — Heritage Community CU's Kasasa Cash at 5.00% on up to $25,000 — but only with monthly qualification requirements. Qualified rewards checking, not savings, is where Sacramento's best yields live.
| Institution | Top APY | What actually earns it | Verified |
|---|---|---|---|
| Heritage Community CU — Kasasa CashBest, qualified | 5.00% | On the first $25,000 with Level-3 monthly qualifications (Level 1 pays 3.50%, Level 2 4.00%); 0.10% on balances above $25,000, and 0.01% if qualifications are unmet. | Aug 5, 2026 |
| SAFE Credit Union — Perfect Cents | 3.04% | First $3,000 only, with eStatements and 10 monthly card transactions; 0.05% above $3,000. | Aug 3, 2026 |
| First U.S. Community CU — Better Than Free | 1.00% | On the first $500 only, with $500+ monthly direct deposit and eStatements. | Aug 4, 2026 |
| SoFi (online) | 0.50% | Checking APY, no conditions stated. | Jul 24, 2026 |
| Ally Bank (online) | 0.10%–0.25% | Spending Account: 0.10% below $15,000, 0.25% at $15,000 and above. | Aug 4, 2026 |
| SAFE Credit Union — Capitol Checking | 0.35% | First $25,000; 0.05% above. | Aug 3, 2026 |
| SAFE Credit Union — Prestige | 0.05%–0.10% | By balance; 0.10% at $50,000+. | Aug 3, 2026 |
| Bank of America — Advantage Plus | 0.01%–0.02% | Interest checking, by balance tier. | Jul 24, 2026 |
| USAA — Classic Checking | 0.01% | Interest checking. | Jul 24, 2026 |
Golden 1 and Travis's checking products are fee and feature accounts rather than rate accounts.
From each institution's published fee schedule: monthly service fee on the primary consumer checking account, overdraft, returned-item (NSF), and out-of-network ATM. "$0" means no published fee for that item on that account.
| Institution | Monthly fee | Overdraft | NSF / returned item | Out-of-network ATM |
|---|---|---|---|---|
| Golden 1 Credit UnionNo overdraft fee | $0 | $0 (Easy Checking) | — | — |
| SAFE Credit Union | $0 (Freedom); $5 on some accounts | $14 | $14 | $2 |
| Travis Credit Union | $0 | $14 ($0 Access Checking) | $14 | $1.50 |
| Heritage Community CU | $0 (Kasasa); $6.95 Smart Checking | $14 | $14 | $0–$3 |
| Sacramento Credit Union | $0 | $0–$14 tiered by overdraft amount: no fee to $10, $7 to $25, $14 above; max 4/day; savings transfer free. | $10 | $1 |
| SchoolsFirst FCU | $0 (Free Checking) | $22 (max 3/day; no fee when the item is $10 or under). | $22 | $2 (first 6/month free) |
| USAA (online) | $0 | $29 | — | — |
| Bank of America | $4.95–$25 by account | $10 ($0 SafeBalance) | $0–$35 by account | $2.50–$3 |
| Chase | $0 on entry accounts | $34 ($0 Secure Banking) | $0 | varies |
| Ally Bank (online) | $0 | $0 | $0 | $0 |
| Capital One (online) | $0 | $0 | $0 | $0 |
| Chime (online) | $0 | $0 | $0 | $2.50 |
| SoFi (online) | $0 | $0 | $0 | $0 |
No local institution in this comparison pays a high whole-balance savings rate. The strongest savings offers are capped bonus tiers, checking-linked premiums, or online accounts with conditions.
| Institution | Top APY | What actually earns it | Verified |
|---|---|---|---|
| SoFi (online, nationwide) | 4.50% | Requires SoFi Plus membership; applies up to $20,000. With eligible direct deposit (no Plus): 3.10%. Without either: 0.80%. | Jul 24, 2026 |
| Heritage Community CU — Kasasa Saver | 4.00% | On the first $50,000 with monthly qualification requirements; 0.10% above, 0.01% when unmet. | Aug 5, 2026 |
| First U.S. Community CU — Smart Start | 4.00% | Split-tier: 4.00% on the first $2,000 only, dropping to 1.50%, then 0.25%, then 0.08% above $10,000. | Aug 4, 2026 |
| Golden 1 Credit Union | up to 4.00% | Growth Savings: 4.00% on the first $1,000 only. Standard savings pays 0.05%–0.20% by balance. | Aug 5, 2026 |
| Marcus by Goldman Sachs (online) | 3.40% | High-Yield Savings, whole balance, no conditions. | Jul 30, 2026 |
| Ally Bank — Savings (online) | 3.00% | Whole balance, no conditions. | Aug 4, 2026 |
| Capital One — 360 Performance Savings (online) | 3.00% | Whole balance, no conditions. | Aug 4, 2026 |
| SAFE Credit Union | 0.70% | First $1,000 only, when linked to a Perfect Cents Checking account with eStatements and 10 monthly card transactions; 0.05% above $1,000 and on standard savings. | Aug 3, 2026 |
| Bank of America — Advantage Savings | 0.01% | Standard savings. | Jul 24, 2026 |
| USAA — Savings | 0.01% | Standard savings. | Jul 24, 2026 |
| Institution | Top APY | What actually earns it | Verified |
|---|---|---|---|
| Travis Credit Union | 3.50%–3.85% | Diamond Money Market: 3.50% from the first dollar, 3.70% at $50,000, 3.85% at $250,000+, $100 minimum — new members only, and the offer runs through September 30, 2026. Travis's standard money market runs 0.25%–2.45% by balance. | Aug 5, 2026 |
| Golden 1 Credit UnionBest standard | up to 3.50% | Balance tiers: 1.00% at $10,000, 1.50% at $100,000, 2.50% at $250,000, 3.50% at $500,000+. Pays 0.05% below $10,000. | Jul 24, 2026 |
| Ally Bank (online) | 3.00% | Whole balance, no conditions — the strongest unconditional money market rate available to Sacramento savers in this comparison. | Aug 4, 2026 |
| First U.S. Community CU | 0.65%–2.15% | Money Market Savings: whole-balance tiers from $2,000; 2.15% at $500,000+. | Aug 5, 2026 |
| SAFE Credit Union | 0.85%–2.22% | Level Up Money Market: 0.85% under $25,000, rising to 2.22% at $250,000+. | Aug 3, 2026 |
| Heritage Community CU | 0.35%–0.70% | Diamond Select: whole-balance tiers from $1,000 minimum; 0.35% to $25,000, 0.70% at $200,000+. | Aug 5, 2026 |
For tiered accounts, the summary above shows the headline; these are the complete published ladders. In a whole-balance account every dollar earns the rate of the tier the total balance lands in.
| Balance | APY |
|---|---|
| Under $25,000 | 0.85% |
| $25,000 – $49,999.99 | 1.36% |
| $50,000 – $99,999.99 | 1.61% |
| $100,000 – $249,999.99 | 1.87% |
| $250,000 and above | 2.22% |
| Balance | APY |
|---|---|
| $0.01 – $9,999.99 | 0.05% |
| $10,000 – $99,999.99 | 1.00% |
| $100,000 – $249,999.99 | 1.50% |
| $250,000 – $499,999.99 | 2.50% |
| $500,000 and above | 3.50% |
| Balance | APY |
|---|---|
| $0 – $24,999.99 | 0.25% |
| $25,000 – $49,999.99 | 1.95% |
| $50,000 – $99,999.99 | 2.30% |
| $100,000 – $249,999.99 | 2.35% |
| $250,000 and above | 2.45% |
Travis's new-member money market (3.50%–3.85%, $100 minimum) uses separate tiers and is available to new members only.
What each account is for, how to read a rate, and how banks and credit unions differ: Checking, savings, money market or a certificate: which account does what?
Every figure on this page comes from the issuing institution's own published rate sheet, rate page, or fee schedule — never from third-party aggregators. Standard openable products at base rates are compared like-for-like; promotional, new-money, new-member, and relationship rates are shown with the conditions that earn them. The date beside each row is the date that figure was confirmed against the institution's published source.