CD, Savings & Money Market Rates & Fees

Market: San Jose

Every rate below was read from the institution's own published rate sheet, with the date it was confirmed and the conditions that earn it. Credit union share certificates and bank CDs are the same product class — both are fixed-term deposits; credit union versions are federally insured by the NCUA up to $250,000, bank versions by the FDIC.

These rates were read from each institution's published rate sheet on the date shown in each row, between July 24 and August 5, 2026. They have not been updated since. Check with the institution before acting on any rate.

Best 12-month certificate (CD) rates in San Jose

Standard, openable certificates at published base rates — no new-money requirements, no introductory teasers. Where an institution publishes a higher relationship rate, it appears in its own column with what earns it. Promotional rates are listed separately with their conditions.

CD rates by term in San Jose

Standard openable certificates at each institution's published rate for the term shown. A dash means no published standard rate at that term.

Highlighted cells are the best published standard rate at that term in this comparison. Locally, Tech CU owns the 12-month (4.00%) — matched online only by Capital One's 360 CD; Provident owns the local 6-month (3.60%) but Marcus pays 3.95% online; the best 5-year is Marcus's 3.80% online, with Tech CU's 3.75% the local top. Also published at other terms: Marcus 9-month at 4.10%, Ally 18-month at 3.80%, Tech CU 10-month at 4.00%, and Stanford's 8-month special at 4.10% (openable by all members).
** Stanford's row shows standard rates; Loyalty+ Partners and Ambassadors earn +0.50% on certificates — 4.00% at 12 months, 4.15% at 5 years.
* First Tech's certificate rates vary by balance tier; the base ($500-minimum) column is shown — its 12-month pays 3.50% at $100,000+.

Liquid, jumbo & IRA certificates in San Jose

Liquid (no-penalty) certificates. Four institutions in this comparison publish them. Marcus's 11-month No-Penalty CD pays 4.00% APY — the best no-penalty rate in the set (its 13-month pays 3.80%, its 7-month 3.75%). Technology Credit Union pays3.65% at 3, 4, or 5-month terms ($1,000 minimum) — the best local no-penalty money. Meriwest's 8-month liquid pays 2.90%; Ally's No-Penalty CD pays 2.70%.

Jumbo certificates ($95,000+ minimum). Only two of eleven institutions in this comparison publish jumbo rates. Technology Credit Union's jumbo ladder pays the same as its standard ladder at the core terms — 4.00% at 10 and 12 months, 3.75% at 24 to 60 months — meaning the jumbo minimum buys rate parity, not a premium. Its jumbo-only short terms pay 0.30% (15-day) to 0.45% (2-month).

IRA certificates. Technology Credit Union's IRA certificates pay the same rates as its standard ladder in the term grid above (4.00% at 10 and 12 months). Most institutions in this comparison offer IRA versions of their certificates; IRA certificate rates typically match the standard grid.

Interest & rewards checking in San Jose

The highest deposit yields in this market are not in savings accounts — they are inqualified rewards checking, earned by meeting monthly activity requirements. Rates below are as published; the qualification column is the product.

High-yield savings rates for San Jose savers

Savings rates depend on the balance you hold and the conditions you meet, so this table states both. “Whole balance” means every dollar earns the stated rate; “tiered” means the rate applies only to the stated slice.

Money market rates in San Jose

Money market accounts are the most condition-laden deposit product in this market — several of the strongest rates require a linked checking account, large balances, or new money. Each row states what actually earns the number.

Full tier tables, as published

For tiered accounts, the summary above shows the headline; these are the complete published ladders. Note the difference in structure: in a whole-balance account every dollar earns the rate of the tier the total balance lands in; in a split-tier account each slice of the balance earns its own rate.

Technology Credit Union — High-Yield Savings (split-tier; requires a qualifying Tech CU checking account)

Technology Credit Union — Money Market Plus (whole-balance tiers)

A +0.10% rate boost applies at $50,000 and up with a Tech CU checking account and $100 monthly direct deposit.

SoFi — Savings (rate depends on status, not balance)

Checking & everyday fees in San Jose

The fees consumers actually ask about, from each institution's published fee schedule: the monthly service fee on the primary consumer checking account, overdraft, returned-item (NSF), and out-of-network ATM. "$0" means the institution publishes no fee for that item on that account.

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?

Common questions

What was the best 12-month CD rate in San Jose in August 2026?

As of the verification dates above, the best standard 12-month certificate rate in this comparison is 4.00% APY — Technology Credit Union locally, matched online by Capital One's 360 CD. Stanford Federal Credit Union reaches 4.00% only with a Loyalty+ Partner or Ambassador relationship (standard: 3.50%). Tech CU pays the same 4.00% at its 10-month term, and Marcus's 11-month no-penalty CD pays 4.00% with withdrawal flexibility.

What was the best money market rate in San Jose in August 2026?

For most balances, Star One Credit Union's 3.45% APY on the whole balance with no conditionsis the strongest published money market rate in this comparison. Patelco pays 2.50%–3.25% on the whole balance but requires a linked checking account; the higher headline rates elsewhere are promotional or apply only at very large balances.

How current are these numbers?

Each row carries the date its rate was read from the institution's published rate sheet. Rates change without notice.

Sources

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.