Compare Bank & Credit Union Rates
Best savings rates in Utah
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Utah
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Part of Axos ONE checking and savings bundle. No monthly maintenance fees, opening fees, minimum balance requirements, or overdraft fees. Includes limited-time 0.79% APY Boost offer for new customers who open a new bundle between 10/01/2026 and 10/31/2026.
Offer: Limited-time APY Boost for eligible new customers opening a new Axos ONE bundle between 10/01/2026 and 10/31/2026. Earns 0.79% APY Boost (total 5.00% APY) for first 6 statement cycles on balances up to $49,999.99 when meeting Option 1 or Option 2 qualification requirements on linked Axos ONE Checking and maintaining average daily savings balance <= $249,999.99.
Qualified rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Axos ONE Savings Balance APY Up to $50,000Your amount 5.00% $50,000 – $100,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $100,000 – $150,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $150,000 – $200,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $200,000 – $250,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. 4.21% $250,000 – $500,000Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $500,000 – $750,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $750,000 – $1,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $1,000,000 – $2,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $2,000,000 – $3,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% $3,000,000 and upBoosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. 3.50% Rate checked
More details - 4.40%APY$440 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: Promotional APY Boost: New SoFi Checking and Savings members receive a 1.10% APY boost to the current Savings APY of 3.30% for up to 6 months by opening an account between 9/3/2026 and 12/31/2027 and receiving an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 days. Limited to one SoFi Savings account; cannot be combined with SoFi Plus 4.70% APY.
Qualified rate · No monthly fee · Effective Oct 20, 2026
Rate checked
More details - 4.21%APY$421 a year on $10,000with conditions
Requirements
Product: Part of Axos ONE checking and savings bundle. No monthly maintenance fees, opening fees, minimum balance requirements, or overdraft fees. Includes limited-time 0.79% APY Boost offer for new customers who open a new bundle between 10/01/2026 and 10/31/2026.
Offer: Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid.
Qualified rate · 4.12% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Axos ONE Savings Balance APY Up to $50,000Your amount 4.21% $50,000 – $100,000Standard base rate when promotional qualification criteria are not met. 1.00% $100,000 – $150,000Standard base rate when promotional qualification criteria are not met. 1.00% $150,000 – $200,000Standard base rate when promotional qualification criteria are not met. 1.00% $200,000 – $250,000Standard base rate when promotional qualification criteria are not met. 1.00% $250,000 – $500,000Standard base rate when promotional qualification criteria are not met. 1.00% $500,000 – $750,000Standard base rate when promotional qualification criteria are not met. 1.00% $750,000 – $1,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $1,000,000 – $2,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $2,000,000 – $3,000,000Standard base rate when promotional qualification criteria are not met. 1.00% $3,000,000 and upStandard base rate when promotional qualification criteria are not met. 1.00% Rate checked
More details - 4.20%APY$420 a year on $10,000with conditions
Requirements
Product: Account earns the LevelUp Rate for the first two statement cycles after opening; requires cumulative deposits of at least $250 per statement cycle (Evaluation Period) starting in the third statement cycle to maintain the LevelUp Rate, otherwise earns the Standard Rate. Subject to closure if inactive with a zero balance for 3 months.
Offer: Requires cumulative deposits of at least $250 during the previous statement cycle (Evaluation Period). All accounts automatically earn this rate through the first two statement cycles.
Qualified rate · 4.12% interest rate · No monthly fee · Effective Oct 8, 2026
Rate checked
More details - Deseret First Credit UnionMission SavingsSavings · $5 min · 0.05%–4.10% by balance
Credit union · 12 branches
4.10%APY$410 a year on $10,000Requirements
Product: Designed for missionary preparation. One free withdrawal every six months. For minors, a parent or guardian can serve as a joint owner. No monthly fees. Opening deposit stated as $5 on p40 and no minimum deposit required on p41.
Offer: Loyalty rate tier for balances $0–$15,000. No monthly fees. Minimum opening deposit $5 per p40 ($0 per p41).
4.02% interest rate · No monthly fee
Rate by balance
Rate by balance for Mission Savings Balance APY Up to $15,000Your amount 4.10% $15,000 and up 0.05% Rate checked
More details - 4.05%APY$405 a year on $10,000
Requirements
Product: Must be at least 18 years of age, a U.S. citizen or resident alien, have a valid U.S. SSN and physical U.S. address. Sole or joint ownership personal accounts only. Minimum opening deposit of $100 must be deposited in a single transaction. Rate is variable and may change after account opening.
Offer: Minimum opening deposit of $100 required in a single transaction. Rate may change after account opening. Fees may reduce earnings.
No monthly fee
Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Personal accounts only; variable rate compounded daily and paid monthly. Requires valid personal info, US address and online application. Account must be funded within 40 days of opening.
Offer: Variable rate; compounded daily and paid/credited monthly.
3.92% interest rate · Compounded daily · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
Rate checked
More details - 3.95%APY$395 a year on $10,000
Requirements
Product: Requires $10 minimum monthly automatic deposit. Additional deposits allowed up to $10,000 per month. Limited to $100,000 total in one or multiple dedicated savings accounts. Early withdrawal penalties may apply. Maintenance or activity fees could reduce earnings.
Offer: Requires $10 minimum monthly automatic deposit. Maximum deposit $10,000 per month, up to $100,000 total across accounts. Early-withdrawal penalties may apply. Dividends credited monthly.
3.88% interest rate · Effective Oct 21, 2026
Rate checked
More details - 3.95%APY$395 a year on $10,000
No monthly fee · Effective Oct 4, 2026
Rate checked
More details - 3.90%APY$390 a year on $10,000
Requirements
Product: Transfers to another account or third parties are limited to six per calendar month. Interest is compounded and credited monthly.
Offer: Variable rate subject to change without notice. Interest is compounded and credited monthly. Up to 6 withdrawals/transfers per calendar month. No monthly maintenance fees or minimum balance requirement.
3.83% interest rate · No monthly fee
Rate checked
More details - 3.90%APY$390 a year on $10,000
Requirements
Product: Standard savings account for individuals. No monthly maintenance fees or minimum balance requirement. Unlimited deposits and up to six withdrawals/transfers per calendar month.
Offer: Interest rate and APY are variable and may change without notice. Interest is paid monthly.
3.83% interest rate · No monthly fee
Rate checked
More details - Education First Credit UnionMoney Market AccountMoney Market Account · $0 min
Credit union · 1 branch
3.85%APY$385 a year on $10,000Requirements
Product: Dividends paid monthly; tiered interest rate based on balance where higher balances earn higher rates.
Offer: Rate stated as high as 3.85% APY; tiered interest rate based on balance; no opening deposit required.
Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000intro rate
Requirements
Product: No monthly maintenance fees, no minimum balance requirements, and no minimum initial deposit. Limited-time promotional 0.26% APY Boost (total 4.01% APY) available for eligible new customers using promo code SUM26 for accounts opened 10/01/2026 through 10/31/2026.
Offer: Promotional APY Boost of 0.26% added to base APY for the first 6 statement cycles for new customers who open an account with promo code SUM26 between October 1, 2026 and October 31, 2026. Variable rate.
Promotional rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Summit Savings Balance APY Any balance 4.01% $10,000 – $25,000Your amountStandard base rate. No minimum balance to earn APY. 3.75% $25,000 – $50,000Standard base rate. No minimum balance to earn APY. 3.75% $50,000 – $100,000Standard base rate. No minimum balance to earn APY. 3.75% $100,000 and upStandard base rate. No minimum balance to earn APY. 3.75% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Utah
198 accounts at 79 banks and credit unions · checked Oct 15–22
- Typical
- 0.35%
- Top 10% from
- 3.52%
- Banks, typical
- 0.50%
- Credit unions, typical
- 0.25%
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Utah
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 87 branches
- Deseret First Credit UnionCredit union · 12 branches
- Cyprus Credit UnionCredit union · 23 branches