Credit union · NCUA insured
Utah Heritage Credit Union Savings Rates
Top CarrotUtah Heritage Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Utah Heritage Credit Union’s savings rates compare
Compared with banks and credit unions in Utah, where Utah Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Utah Heritage Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market 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
Utah Heritage Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.50%
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 Heritage 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 Account
0.50%APY
Liquid, no withdrawal penalties, no maintenance fees. Interest is compounded monthly. Deposits federally insured by NCUA up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| $100 – $500 | 0.10% | — |
| $500 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 1.50% | — |
| $50,000 – $100,000 | 2.50% | — |
| $100,000 and up | 3.00% | — |
Sources (2)
All captured Sep 16, 2026
Share Savings
0.05%APY
Primary credit union membership share account. Requires a $25 minimum balance to remain a member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,499 | 0.05% | — |
| $2,500 and up | 0.05% | $5 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Savings
0.20%APY
Individual Retirement Account savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,499 | 0.10% | — |
| $2,500 and up | 0.20% | $20 |
Sources (2)
All captured Sep 16, 2026
All Other Shares & Youth Accounts
0.05%APY
Includes youth savings accounts (ages 0-17) with a minimum balance of $25, and secondary share suffix accounts (such as Special Shares and Christmas Shares).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,499 | 0.05% | — |
| $2,500 and up | 0.05% | $5 |
Sources (2)
All captured Sep 16, 2026
Who can join Utah Heritage 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 Sanpete and Sevier Counties are eligible for membership.
Employers and groups
- Employees or patrons of Pitman Farms (formerly Moroni Feed Company or Norbest) are eligible for membership.
Family and household
- Family members of an existing Utah Heritage Credit Union member are eligible for membership.
Cost to join
- Members must maintain a minimum balance of $25 in their share account, while minors under 18 may open an account for $5 with six months to reach the $25 minimum.
Membership information collected October 4, 2026.