Credit union · NCUA insured
Utah First Credit Union Savings Rates
Top CarrotUtah First Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Utah First Credit Union’s savings rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Utah First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Utah First Credit Union
1.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $115
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
Utah First Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0002.65%
- QualifiedQualified1.15%
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 Utah First 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.
Money Market
Up to 1.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
| $2,000 and up | 1.15% | $115 |
| $25,000 and up | 2.05% | — |
| $100,000 and up | 2.65% | — |
| $250,000 and up | 3.45% | — |
| $1,000,000 and up | 3.90% | — |
Sources (3)
All captured Sep 16, 2026
Savings
Up to 0.10%APY
Minimal fees can be avoided by keeping the account active, opting for e-statements, and meeting any transaction requirements.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $5 and up$5 to open | 0.05% | $5 | $5 |
| $2,000 and upUnknown to open | 0.10% | Unknown | $10 |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
IRA Share
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (4)
- utahfirst.com/traditional-ira
- utahfirst.com/personal-savings-account
- utahfirst.com/rates
- utahfirst.com/roth-ira
All captured Sep 16, 2026
Health Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Who can join Utah First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals who join the Community Volunteers of Utah.
Family and household
- Membership is open to individuals who belong to a current member's immediate family.
Membership information collected October 4, 2026.