Bank · FDIC insured
Zions Bank Savings Rates
Zions Bank’s best savings rate is 0.02% APY on $10,000, with its Savings Account. Rates checked October 7, 2026.
How Zions Bank’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Zions Bank has the most branches. $10,000, best rate first.
This bank’s best
Zions Bank
0.50%APY
- Requires
- Another account
- Earns on $10,000 a year
- $50
Premier Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Requires
- None
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Earns on $10,000 a year
- $400
Zions Bank savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.02%
- $100,000 balance$100,0000.07%
- 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 Zions Bank 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.
Premier Money Market
Up to 0.50%APY
Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.00% | — | Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $5,000 – $100,000Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.50% | $50 | Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $5,000 – $100,000Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.45% | $45 | Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.85% | — | Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $100,000 – $250,000Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.80% | — | Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 1.16% | — | Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $250,000 – $500,000Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 1.06% | — | Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 1.41% | — | Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $500,000 – $1,000,000Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 1.36% | — | Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 1.51% | — | Enhanced/Relationship tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $1,000,000 and upStandard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 1.46% | — | Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
Sources (1)
- zionsbank.com/personal/deposit-rates · captured Oct 7, 2026
Money Market Account
Up to 0.45%APY
Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.00% | — | Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $1,000 – $100,000Relationship rate tier (e.g., Gold Account relationship). Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.45% | $45 | Relationship rate tier (e.g., Gold Account relationship). Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $1,000 – $100,000Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.35% | $35 | Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.75% | — | Relationship rate tier (e.g., Gold Account relationship). Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $100,000 – $250,000Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.70% | — | Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $250,000 – $500,000Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.75% | — | Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $500,000 – $1,000,000Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.85% | — | Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 1.36% | — | Relationship rate tier (e.g., Gold Account relationship). Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $1,000,000 and upStandard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.95% | — | Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
Sources (2)
All captured Oct 7, 2026
Savings Account
0.02%APY
Monthly maintenance fee of $3 (waived by maintaining a minimum daily balance of $200 or receiving at least $25 in automatic transfers from a linked checking account). Limited to 6 withdrawals/transfers per monthly statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.02% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $1,000 – $5,000Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.02% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $5,000 – $25,000Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.02% | $2 | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $25,000 – $50,000Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.04% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $50,000 – $100,000Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.05% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $100,000 and upRates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.07% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
Special-purpose accounts
IRA Money Market Account
0.25%APY
IRA account must be single owner. Annual contribution limits may apply. Withdrawals made from an IRA account before age 59 1/2 may be subject to federal taxes and penalties. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Variable rate, compounded daily, paid monthly. Monthly Maintenance Fee is $0. Paper Statement Fee is $0.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.15% | — | Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $2,000 – $10,000Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.18% | — | Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $10,000 – $25,000Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.25% | $25 | Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $25,000 – $50,000Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.35% | — | Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $50,000 – $100,000Variable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.40% | — | Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
| $100,000 and upVariable APY; daily balance method. Displaying rates for Idaho and Utah. | 0.45% | — | Variable APY; daily balance method. Displaying rates for Idaho and Utah. |
Sources (2)
All captured Oct 7, 2026
Young Savers Account
0.15%APY
Monthly maintenance fee $0 (primary account holder must be 25 years old or younger for the monthly maintenance fee to be waived). Limited to 6 withdrawals/transfers per monthly statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.10% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $100 – $500Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.10% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $500 – $1,000Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.10% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $1,000 – $10,000Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.12% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $10,000 – $50,000Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.15% | $15 | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
| $50,000 and upRates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. | 0.15% | — | Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly. |
Opening an account
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