Compare Bank & Credit Union Rates
Best savings rates in Heber 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 Heber 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 - 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 - UCCUMoney Market SavingsMoney Market Savings · $0 min · 0.50%–3.55% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered rate account. To open any account, must deposit or already have on deposit the minimum required share(s) in a Share Savings or Youth Share Savings account (2 shares at $2.50 par value plus $5.00 membership fee). Rate applies to the full balance once a tier is met.
Offer: Dividends compounded and credited monthly. Daily balance method.
0.50% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,500 0.50% $2,500 – $10,000 0.85% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.45% $50,000 – $100,000 1.95% $100,000 – $250,000 2.45% $250,000 – $1,000,000 3.25% $1,000,000 and up 3.55% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Keep an average daily balance of $500 or $200 minimum balance to waive the $4.00 monthly maintenance fee.
Offer: Fee waived if an average daily balance of $500 or $200 minimum balance is maintained.
$4 monthly fee
Rate by balance
Rate by balance for Savings Accounts Balance APY Up to $100,000Your amount 0.55% $100,000 – $250,000 0.85% $250,000 and up 1.45% 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 - Grand Valley BankMoney Market AccountMoney Market Account · $100 min · 0.50%–2.85% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Minimum opening deposit is $100.00. Rates may change at discretion after account opening. Fees may reduce earnings.
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 0.50% $25,000 – $100,000 0.85% $100,000 – $250,000 1.85% $250,000 – $1,000,000 2.35% $1,000,000 and up 2.85% 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 - 0.38%APY$38 a year on $10,000
Requirements
Product: Can be opened online or in branch. No monthly service fee. Unlimited deposits and withdrawals.
Offer: Variable APY.
No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for I Save Balance APY $500 – $10,000 0.23% $10,000 – $25,000Your amount 0.38% $25,000 – $50,000 0.68% $50,000 – $100,000 0.94% $100,000 – $150,000 1.14% $150,000 – $200,000 1.71% $200,000 and up 1.97% 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Must be funded from an account outside Bank of Utah. Up to six free withdrawals or transfers per statement cycle ($10 fee for each additional debit transaction). Interest begins accruing with a minimum daily balance of $10,000; if daily balance falls below $10,000, no interest is earned for that day. Higher rates apply on days balance reaches $25,000 or more.
Offer: Variable APY. If balance falls below $10,000 on any day, no interest is earned for that day.
Effective Oct 21, 2026
Rate by balance
Rate by balance for My Money Market Balance APY $500 – $10,000 0.00% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 1.21% $50,000 – $100,000 1.97% $100,000 – $150,000 2.48% $150,000 – $200,000 2.99% $200,000 and up 3.51% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership required based on eligibility. $1 required to open and maintain the account.
Offer: Earns dividends on average daily balance over $100 (or $100 or more). Dividends are compounded and paid monthly.
No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Part of member ownership in America First Credit Union; starts upon joining. Account is free with a maintained balance of $1.00. Dividends credited monthly; rate and APY subject to monthly change.
Offer: Maintained balance of $1.00 keeps account free. Fees could reduce earnings. Dividends are credited monthly.
0.05% interest rate · No monthly fee · Effective Oct 21, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% 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 Heber City, UT
25 accounts at 8 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.00%
- Banks, typical
- 0.04%
- Credit unions, typical
- 1.00%
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Heber, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 2 branches
- Mountain America Credit UnionCredit union · 2 branches