Credit union · NCUA insured
Ridgeline Credit Union Savings Rates
Top CarrotRidgeline Credit Union’s best savings rate is 1.01% APY on $10,000, with its Super Saver. Rates checked October 22, 2026.
How Ridgeline Credit Union’s savings rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Ridgeline Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ridgeline Credit Union
1.01%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $101
Super Saver
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
Ridgeline Credit Union savings score
85
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.01%
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 Ridgeline 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.
Super Saver
1.01%APY
Requires membership in Ridgeline Credit Union ($25.00 share deposit). Minimum balance on the account is $2,500.00. No monthly fee. Unlimited withdrawals. Variable rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance required is $2,500.00. | 1.01% | $101 | Minimum balance required is $2,500.00. |
| $20,000 and upMinimum balance required is $20,000.00. | 1.26% | — | Minimum balance required is $20,000.00. |
Sources (4)
All captured Oct 22, 2026
Escrow Savings
0.10%APY
Requires membership in Ridgeline Credit Union ($25.00 share deposit). Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance required is $0.00.Any balance | 0.10% | $10 | Minimum balance required is $0.00. |
Sources (3)
All captured Oct 22, 2026
Regular Savings
0.10%APY
Requires membership in Ridgeline Credit Union ($25.00 share deposit). Minimum balance on the account is $25.00. No monthly fee. Unlimited withdrawals. Dividends paid on balances of $100 or more. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance required to earn is $50.00 (dividends paid on balances of $100 or more). Minimum balance on account is $25.00.$50 and up | 0.10% | $10 | Minimum balance required to earn is $50.00 (dividends paid on balances of $100 or more). Minimum balance on account is $25.00. |
Sources (3)
All captured Oct 22, 2026
Special-purpose accounts
IRA Savings
0.20%APY
Requires membership in Ridgeline Credit Union ($25.00 share deposit). Traditional/Roth/SEP IRA rules apply. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance required is $0.00.Any balance | 0.20% | $20 | Minimum balance required is $0.00. |
Sources (3)
All captured Oct 22, 2026
Christmas Club
0.10%APY
Requires membership in Ridgeline Credit Union ($25.00 share deposit). No minimum balance on the account. No monthly fee. Unlimited withdrawals. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance required is $0.00.Any balance | 0.10% | $10 | Minimum balance required is $0.00. |
Health Savings (HSA)
0.10%APY
Health Savings Account (HSA). Requires membership in Ridgeline Credit Union ($25.00 share deposit). Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance required is $0.00.Any balance | 0.10% | $10 | Minimum balance required is $0.00. |
Sources (3)
All captured Oct 22, 2026
Who can join Ridgeline 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 persons who live, work, worship, volunteer, or attend school in Salt Lake City, Utah.
Employers and groups
- Employees of Ridgeline Credit Union are eligible for membership.
Family and household
- Membership is open to members of the immediate family (spouse, child, sibling, parent, grandparent, grandchild, including step- and adoptive relationships) or household of eligible persons, and organizations of such persons.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Businesses and other legal entities located in Salt Lake City, Utah are eligible for membership.
- Members of record as of September 26, 2017 are eligible for membership.
Cost to join
- Membership requires a $25.00 share deposit representing a share in the credit union.
Membership information collected October 4, 2026.