Compare Bank & Credit Union Rates
Best savings rates in Cedar City, UT
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Cedar City, UT
- 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 - 2.50%APY$250 a year on $10,000intro rate
Requirements
Product: Must be funded completely with new money (funds not currently on deposit with Chartway Credit Union; funds transferred from IRA accounts not eligible). Chartway senior leadership positions (VP and above), Board of Directors, and volunteers are not eligible. Dividends are paid quarterly.
Offer: Must be funded completely with new money; promotional rate effective as of 1/31/24; dividends paid quarterly.
Promotional rate · 2.50% interest rate · Effective Oct 22, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires a linked eligible SBSU checking account (SBSU High Interest Checking, SBSU Cash Back Checking, SBSU Eats Checking, or SBSU Play Checking). To qualify for the higher rate, each Monthly Qualification Cycle must have at least 12 debit card transactions, at least 2 direct deposit, ACH payment, or ACH credit transactions, and enrollment in eStatements. Variable rate account.
Offer: Qualifying rate on daily balances up to $50,000 when linked checking account meets monthly qualifications.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 21, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - America First Credit UnionMoney MarketMoney Market · $0 min · 1.00%–3.90% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Tiered dividends; dividends credited monthly. Dividend rate and APY may change monthly.
Offer: Minimum earning balance $0.00.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $5,000 1.00% $5,000 – $10,000 1.10% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000 1.80% $50,000 – $100,000 2.05% $100,000 – $250,000 2.70% $250,000 – $1,000,000 3.45% $1,000,000 and up 3.90% Rate checked
More details - Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.45% $250,000 – $999,999 3.25% $1,000,000 and up 3.60% Rate checked
More details - State Bank of Southern UtahMoney MarketMoney Market · $500 min · 1.00%–3.56% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Start earning interest with a balance of at least $500. Maintain a balance of at least $2500 to avoid fees ($8 per month). Transactions restricted to no more than 6 convenience withdrawals per monthly cycle; over-the-limit withdrawals cost $10 each.
1.00% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $25,000Your amount 1.00% $25,000 – $100,000 1.76% $100,000 – $500,000 2.53% $500,000 and up 3.56% Rate checked
More details - Chartway Credit UnionMoney Market PlusMoney Market Plus · $10,000 min · 0.75%–4.00% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month under the same member number. Fees may reduce earnings.
Offer: Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more.
Qualified rate · 0.50% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.80% $50,000 – $100,000 0.85% $100,000 – $250,000 2.65% $250,000 – $499,999 2.65% $500,000 – $999,999 3.75% $1,000,000 and up 4.00% Rate checked
More details - Chartway Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.25%–0.60% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Fees could reduce earnings on the account (applies only to maintenance or activity fees). Variable rates. Rates subject to change at any time without notice.
0.25% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $5,000 0.25% $5,000 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.55% $50,000 – $100,000 0.60% $100,000 and up 0.35% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: 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.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: 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.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: 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.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: 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.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Six free withdrawals per month with a $5 fee for each additional withdrawal; no limits on ATM or in-person withdrawals. Supports automatic transfers from checking accounts. Variable rate account; rate may change after account is opened.
0.20% interest rate · Effective Oct 21, 2026
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 Cedar City, UT
28 accounts at 7 banks and credit unions · checked Oct 7–22
- Typical
- 0.28%
- Top 10% from
- 2.00%
- Banks, typical
- 0.13%
- Credit unions, typical
- 0.63%
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Cedar City, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Chartway Credit UnionCredit union · 1 branch
- State Bank of Southern UtahBank · 3 branches