Central Bank Utah High-Yield Savings & Money Market Rates

How Central Bank Utah’s savings rates compare

Compared with banks and credit unions near Provo, UT, where Central Bank Utah has the most branches. $10,000, best rate first.

This bank’s best
Central Bank Utah
1.36%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$136
High Yield Money Market Account
Top rate
Happen Bank
4.20%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$420
Happen Bank rates
2nd-highest rate
Deseret First Credit Union
4.10%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$410
Deseret First Credit Union rates

Compare savings rates near you →

88

Savings score

Higher than 83% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.26%
$10,000 balance$10,0001.36%
$100,000 balance$100,0002.63%
QualifiedQualified1.36%

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.

How the score works →

Where Central Bank 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.

High Yield Money Market Account

1.36%APY$1,000 to open

Requires $1,000 minimum to open and $1,000 minimum daily balance to earn interest. $9 monthly service fee if minimum daily balance is not met. Allows up to six withdrawals or transfers per month. Interest calculated daily, paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $10,000$9 monthly service fee waived if minimum daily balance is met.	1.26%	—	$9 monthly service fee waived if minimum daily balance is met.
$10,000 – $20,000$9 monthly service fee waived if minimum daily balance is met.	1.36%	$136	$9 monthly service fee waived if minimum daily balance is met.
$20,000 – $100,000$9 monthly service fee waived if minimum daily balance is met.	1.71%	—	$9 monthly service fee waived if minimum daily balance is met.
$100,000 – $250,000$9 monthly service fee waived if minimum daily balance is met.	2.63%	—	$9 monthly service fee waived if minimum daily balance is met.
$250,000 – $500,000$9 monthly service fee waived if minimum daily balance is met.	3.35%	—	$9 monthly service fee waived if minimum daily balance is met.
$500,000 – $100,000,000$9 monthly service fee waived if minimum daily balance is met.	3.82%	—	$9 monthly service fee waived if minimum daily balance is met.

Sources (3)

All captured Oct 4, 2026

Statement Savings Account

0.15%APY$1 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upInterest calculated daily, paid quarterly. $10 minimum daily balance to earn interest. $3 per quarter charge if balance drops below $1.$10 and up	0.15%	$15	Interest calculated daily, paid quarterly. $10 minimum daily balance to earn interest. $3 per quarter charge if balance drops below $1.

Sources (2)

All captured Sep 16, 2026

Special-purpose accounts

YOUth Smart Savings Account

2.52%APYKids and teens$1 to open

For children and youth up to 18 years old. Accounts convert to Statement Savings Account at age 19.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000For children and youth up to 18 years old. Minimum daily balance of $1 to earn interest. Interest paid quarterly. Service charge free.	2.52%	$252	For children and youth up to 18 years old. Minimum daily balance of $1 to earn interest. Interest paid quarterly. Service charge free.
Over $10,000For children and youth up to 18 years old. Minimum daily balance of $1 to earn interest. Interest paid quarterly. Service charge free.	0.35%	—	For children and youth up to 18 years old. Minimum daily balance of $1 to earn interest. Interest paid quarterly. Service charge free.

Sources (3)

All captured Sep 16, 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.

Visit institution website ↗Branches and institution details