Credit union · NCUA insured
Desert Rivers Credit Union Savings Rates
Top CarrotDesert Rivers Credit Union’s best savings rate is 0.55% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Desert Rivers Credit Union’s savings rates compare
Compared with banks and credit unions in Utah, where Desert Rivers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Desert Rivers Credit Union
0.55%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $55
Money Market
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
Desert Rivers Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.55%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0002.60%
- QualifiedQualified0.55%
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 Desert Rivers 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.
Premier Savings
Up to 3.25%APY
$100,000 minimum balance required. Liquid account with no maturity. Interest is paid at the end of each month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 – $249,000$25 fee if balance drops below the $100,000 minimum. Interest paid at the end of each month. | 2.60% | — | $25 fee if balance drops below the $100,000 minimum. Interest paid at the end of each month. |
| $250,000 – $749,999$25 fee if balance drops below the $100,000 minimum. Interest paid at the end of each month. | 3.00% | — | $25 fee if balance drops below the $100,000 minimum. Interest paid at the end of each month. |
| $750,000 and up$25 fee if balance drops below the $100,000 minimum. Interest paid at the end of each month. | 3.25% | — | $25 fee if balance drops below the $100,000 minimum. Interest paid at the end of each month. |
Sources (1)
- desertriverscu.com/accounts · captured Sep 16, 2026
Money Market
0.55%APY
Membership eligibility requirements apply (existing members, immediate family of members, residents of Grand County, San Juan County, Green River City, or members of Community Impact Fund Foundation). Insured by NCUA up to $250,000. No fees or commissions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $999 | 0.05% | — |
| $1,000 – $24,999 | 0.55% | $55 |
| $25,000 – $99,000 | 0.65% | — |
| $100,000 – $199,000 | 2.00% | — |
| $200,000 and up | 2.45% | — |
Sources (1)
- desertriverscu.com/accounts · captured Sep 16, 2026
Share Savings
0.05%APY
Small initial minimum deposit required. Member ownership share. Dividends declared quarterly by Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are paid quarterly and subject to change. $25 monthly service fee applies if minimum balance of $25 is not met.$25 and up | 0.05% | $5 | Dividends are paid quarterly and subject to change. $25 monthly service fee applies if minimum balance of $25 is not met. |
Sources (1)
- desertriverscu.com/accounts · captured Sep 16, 2026
Special-purpose accounts
IRA Savings
1.00%APY
Traditional and Roth IRA savings account. Dividends declared quarterly by Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends are paid quarterly and subject to change. $25 monthly service fee applies if minimum balance is not met.$500 and up | 1.00% | $100 | Dividends are paid quarterly and subject to change. $25 monthly service fee applies if minimum balance is not met. |
Who can join Desert Rivers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Grand County are eligible for membership.
- Residents of Green River City are eligible for membership.
- Residents of San Juan County are eligible for membership.
Employers and groups
- Members of the Community Impact Fund Foundation are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership.
Other ways
- Existing members are eligible to open accounts.
Cost to join
- Savings/Shares account has a minimum balance of $25.
Membership information collected October 4, 2026.