Bank · FDIC insured
Bank of Utah Savings Rates
Bank of Utah’s best savings rate is 0.38% APY on $10,000, with its I Save. Rates checked October 22, 2026.
How Bank of Utah’s savings rates compare
Compared with banks and credit unions near Ogden, UT, where Bank of Utah has the most branches. $10,000, best rate first.
This bank’s best
Bank of Utah
0.38%APY
- Minimum
- $100
- Earns on $10,000 a year
- $38
I Save
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
Bank of Utah savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.23%
- $10,000 balance$10,0000.38%
- $100,000 balance$100,0002.48%
- QualifiedQualified0.38%
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 Bank of Utah ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
My Money Market
0.25%APY
Must be funded from an account outside Bank of Utah. Up to six free withdrawals or transfers per statement cycle ($10 fee for each additional debit transaction). Interest begins accruing with a minimum daily balance of $10,000; if daily balance falls below $10,000, no interest is earned for that day. Higher rates apply on days balance reaches $25,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Variable APY. If balance falls below $10,000 on any day, no interest is earned for that day. | 0.00% | — | Variable APY. If balance falls below $10,000 on any day, no interest is earned for that day. |
| $10,000 – $25,000Variable APY. | 0.25% | $25 | Variable APY. |
| $25,000 – $50,000Variable APY. | 1.21% | — | Variable APY. |
| $50,000 – $100,000Variable APY. | 1.97% | — | Variable APY. |
| $100,000 – $150,000Variable APY. | 2.48% | — | Variable APY. |
| $150,000 – $200,000Variable APY. | 2.99% | — | Variable APY. |
| $200,000 and upVariable APY. | 3.51% | — | Variable APY. |
I Save
0.38%APY
Can be opened online or in branch. No monthly service fee. Unlimited deposits and withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Variable APY. | 0.23% | — | Variable APY. |
| $10,000 – $25,000Variable APY. | 0.38% | $38 | Variable APY. |
| $25,000 – $50,000Variable APY. | 0.68% | — | Variable APY. |
| $50,000 – $100,000Variable APY. | 0.94% | — | Variable APY. |
| $100,000 – $150,000Variable APY. | 1.14% | — | Variable APY. |
| $150,000 – $200,000Variable APY. | 1.71% | — | Variable APY. |
| $200,000 and upVariable APY. | 1.97% | — | Variable APY. |
Special-purpose accounts
Children's I Save
0.38%APY
Must be opened in branch. Available to children under 18 with a parent or legal guardian required as account co-owner. Automatically converts to regular I Save account upon turning 18. No monthly balance requirements or monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Variable APY. | 0.23% | — | Variable APY. |
| $10,000 – $25,000Variable APY. | 0.38% | $38 | Variable APY. |
| $25,000 – $50,000Variable APY. | 0.68% | — | Variable APY. |
| $50,000 – $100,000Variable APY. | 0.94% | — | Variable APY. |
| $100,000 – $150,000Variable APY. | 1.14% | — | Variable APY. |
| $150,000 – $200,000Variable APY. | 1.71% | — | Variable APY. |
| $200,000 and upVariable APY. | 1.97% | — | Variable APY. |
Health Savings Account (HSA)
0.32%APY
Must be opened in branch. Requires enrollment in a qualifying high-deductible health plan (HDHP). Ineligible if enrolled in Medicare or claimed as a dependent on someone's tax return. No monthly maintenance fees, no account setup fees, and no minimum to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500 | 0.00% | — | |
| $500 – $1,000Requires maintaining an average daily balance of $500 or more. | 0.17% | — | Requires maintaining an average daily balance of $500 or more. |
| $1,000 and upRequires maintaining an average daily balance of $1,000 or more. | 0.32% | $32 | Requires maintaining an average daily balance of $1,000 or more. |
Sources (2)
All captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.