Credit union · NCUA insured
Ascent Credit Union Savings Rates
Top CarrotAscent Credit Union’s best savings rate is 1.20% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Ascent Credit Union’s savings rates compare
Compared with banks and credit unions near Ogden, UT, where Ascent Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ascent Credit Union
1.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $120
Money Market Savings
Top rate
Deseret First Credit Union
4.10%APY
- Minimum
- $5
- Earns on $10,000 a year
- $410
2nd-highest rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
Ascent Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.95%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0002.60%
- QualifiedQualified1.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ascent Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
1.20%APY
No minimum deposit. No minimum balance. Minimum balance to earn interest is $5,000. VIP members earn higher interest rates. Unlimited in-branch withdrawals/transfers; 6 electronic withdrawals/transfers per month. Free e-Statements. No fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.95% | — |
| $5,000 – $10,000 | 1.20% | — |
| $10,000 – $25,000 | 1.20% | $120 |
| $25,000 – $50,000 | 1.65% | — |
| $50,000 – $100,000 | 1.95% | — |
| $100,000 – $250,000 | 2.60% | — |
| $250,000 and up | 3.25% | — |
Sources (2)
All captured Oct 15, 2026
Rewards Money Market Savings
1.20%APY
Dividends are compounded monthly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. VIP members receive a 0.05% rate increase.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.95% | — |
| $5,000 – $10,000 | 1.20% | — |
| $10,000 – $25,000 | 1.20% | $120 |
| $25,000 – $50,000 | 1.65% | — |
| $50,000 – $100,000 | 1.95% | — |
| $100,000 – $250,000 | 2.60% | — |
| $250,000 and up | 3.25% | — |
Sources (1)
- ascentcu.com/rates · captured Oct 4, 2026
MyFund Savings
0.05%APY
Automatic monthly transfer of at least $10 from payroll or another ACU account required. Optional Sweeps daily transfer from ACU checking. Maximum 2 withdrawals/transfers per year. Compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier for balances $0.01 to $4,999.99. Minimum required monthly transfer of $10. Max 2 withdrawals/transfers per year. Dividends compounded monthly. | 0.10% | — | Tier for balances $0.01 to $4,999.99. Minimum required monthly transfer of $10. Max 2 withdrawals/transfers per year. Dividends compounded monthly. |
| $5,000 and upTier for balances $5,000 and above. Minimum required monthly transfer of $10. Max 2 withdrawals/transfers per year. Dividends compounded monthly. | 0.05% | $5 | Tier for balances $5,000 and above. Minimum required monthly transfer of $10. Max 2 withdrawals/transfers per year. Dividends compounded monthly. |
Share Savings
0.05%APY
$5 minimum balance to maintain credit union membership. Earns interest with a $150 minimum balance. Compounded monthly. Yield declared as a dividend for the previous month. No fees unless account is closed within the first 6 months. 6 electronic withdrawals/transfers per month, unlimited in-branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $150 and upMinimum average daily balance of $150 required to earn stated APY. Dividends compounded monthly. Share Savings yield declared as a dividend for the previous month.$150 and up | 0.05% | $5 | Minimum average daily balance of $150 required to earn stated APY. Dividends compounded monthly. Share Savings yield declared as a dividend for the previous month. |
Special-purpose accounts
IRA Accumulators
0.10%APY
Available as Traditional, Roth, ESA, and SEP IRA accounts. No minimum opening balance, no fees. Variable interest compounded on average daily balances and credited monthly. VIP Club members can earn higher rates. Subject to IRS annual contribution limits and rules.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional, Roth, ESA, and SEP IRA Accumulators. Dividends compounded monthly on average daily balances. VIP Club members may earn higher rates.Any balance | 0.10% | $10 | Applies to Traditional, Roth, ESA, and SEP IRA Accumulators. Dividends compounded monthly on average daily balances. VIP Club members may earn higher rates. |
Sources (3)
All captured Oct 4, 2026
Who can join Ascent Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, worships, or volunteers in Box Elder, Davis, Morgan, or Weber county.
Cost to join
- An initial deposit of $5 into a Share Savings account is required to establish membership and ownership.
Membership information collected October 4, 2026.