Bank · FDIC insured
UIB Savings Rates
UIB’s best savings rate is 0.30% APY on $10,000, with its Savings Account. Rates checked October 22, 2026.
How UIB’s savings rates compare
Compared with banks and credit unions in Utah, where UIB has the most branches. $10,000, best rate first.
This bank’s best
UIB
0.30%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $30
Savings Account
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
UIB savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 UIB 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.
Savings Account
0.30%APY
Interest compounded and paid quarterly. $25 minimum balance required to avoid a $1.00 minimum balance fee imposed every statement cycle if the daily balance on any day falls below $25.00. Must sign up to receive eStatements to avoid a $2.00 paper statement fee. Up to 5 withdrawals per quarter at no charge; $1 fee per additional withdrawal. Unlimited in-person transfers and withdrawals. A dormant account fee of $1.00/month after 12 months of inactivity.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Minimum balance to obtain APY is $0.00. | 0.20% | — | Minimum balance to obtain APY is $0.00. |
| $5,000 – $100,000,000,000Minimum balance to obtain APY is $5,000.00. | 0.30% | $30 | Minimum balance to obtain APY is $5,000.00. |
Sources (2)
- uib.bank/doccenter/764d43b0178b48deb596b063cee2fb05
- uib.bank/accounts-services/dep…ngs-accounts-investments
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.