Compare Bank & Credit Union Rates
Best savings rates in Midvale, 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 Midvale, UT
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 3.70%APY$370 a year on $10,000
Requirements
Offer: APY as high as 3.70%. Allows withdrawals at any time.
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 - Granite Credit UnionMoney MarketMoney Market · $0 min · 0.05%–3.90% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: No monthly fee; no minimum balance to open; dividends compounded and credited monthly based on daily balance formula; deposit rates are variable. Dividend+ Spend Account holders earn a bonus rate on Money Market accounts if an average daily balance of at least $5,000 is maintained in Dividend+.
Offer: Standard rate tier; bonus rate n/a.
Qualified rate · 0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Any balance 0.05% $2,500 and up 1.25% $10,000 and upYour amount 1.25% $25,000 and upBonus rate (+0.55%) with APY of 1.80% for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. 1.80% $50,000 and upBonus rate (+0.85%) with APY of 2.10% for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. 2.10% $100,000 and upBonus rate (+1.25%) with APY of 2.75% (or +1.35% bonus / 2.85% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. 2.75% $250,000 and upBonus rate (+1.50%) with APY of 3.50% (or +1.60% bonus / 3.60% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. 3.50% $500,000 and upBonus rate (+1.65%) with APY of 3.65% (or +1.75% bonus / 3.75% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. 3.65% $1,000,000 and upBonus rate (+1.65%) with APY of 3.90% (or +1.75% bonus / 4.00% APY per p20) for Dividend+ account holders maintaining an average daily balance of at least $5,000 in Dividend+. 3.90% Rate checked
More details - 1.07%APY$107 a year on $10,000with conditions
Requirements
Product: Must have an open and active Money Back, Interest or Full Service checking account at First Utah Bank. May convert to a Personal Savings account if the checking account is closed, inactive (6 months), or dormant. Compounded and credited monthly. Rates effective as of October 20, 2026.
Offer: Interest paid on balances above $0. Monthly compound.
Qualified rate · 1.06% interest rate · No monthly fee · Effective Oct 20, 2026
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 - Jordan Credit UnionElite Money Market Deposit Account (EMMDA)Elite Money Market Deposit Account (EMMDA) · 1.00%–3.80% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Must live, worship, volunteer, work (or regularly conduct business in), or attend school in Davis, Morgan, Salt Lake, Tooele, Utah, or Weber Counties, UT. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly.
Offer: Dividends credited quarterly; dividend rate and APY may change monthly.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Elite Money Market Deposit Account (EMMDA) Balance APY Up to $19,999Your amount 1.00% $20,000 – $49,999 1.50% $50,000 – $99,999 1.90% $100,000 – $249,999 2.70% $250,000 – $999,999 3.15% $1,000,000 and up 3.80% Rate checked
More details - Jordan Credit UnionMoney Market Deposit Account (MMDA)Money Market Deposit Account (MMDA) · $2,500 min · 0.10%–2.20% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Must live, worship, volunteer, work (or regularly conduct business in), or attend school in Davis, Morgan, Salt Lake, Tooele, Utah, or Weber Counties, UT. Requires $2,500 to start. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly.
Offer: Dividends credited quarterly; dividend rate and APY may change monthly.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Deposit Account (MMDA) Balance APY Up to $2,499 0.10% $2,500 – $9,999 0.75% $10,000 – $19,999Your amount 1.00% $20,000 – $49,999 1.25% $50,000 – $99,999 2.00% $100,000 and up 2.20% Rate checked
More details - First Utah BankPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.50%–2.07% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Requires a minimum opening deposit of $2,500. A monthly service fee of $15 applies if the daily balance falls below $2,500 on any day of the statement cycle (or average daily balance is below $2,500). Limited to 6 withdrawals per month; excess withdrawals incur a $15 fee per transaction. Rates are variable and may change after account opening.
Offer: Compounded monthly. $15 monthly service fee waived by maintaining minimum balance requirements. Rate may change after account is opened.
0.50% interest rate · Compounded monthly · $15 monthly fee · Effective Oct 20, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $999 0.50% $1,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.50% $25,000 – $99,999 0.50% $100,000 – $249,999 2.07% $250,000 and up 2.07% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: No monthly service charge and no minimum balance requirements. Daily balance method used. Interest compounded and credited quarterly. Rates effective as of October 20, 2026.
Offer: Quarterly compound. $25 minimum opening deposit for Savings. Rate may change after account is opened.
0.50% interest rate · No monthly fee
Rate by balance
Rate by balance for Personal Savings Balance APY Up to $999 0.50% $1,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.50% $25,000 – $99,999 0.50% $100,000 – $249,999 2.07% $250,000 and up 2.07% Rate checked
More details - 0.10%APY$10 a year on $10,000intro rate
Requirements
Product: Dividends credited quarterly. Dividend rate and APY may change quarterly. Fees could reduce earnings. Must live, worship, volunteer, work, or attend school in Davis, Morgan, Salt Lake, Tooele, Utah, or Weber Counties, UT to join.
Offer: Dividend rate paid as of October 1, 2026 was 0.10% and prospective dividend rate / APY of 0.10% for October 1 through December 31, 2026. Dividends credited quarterly.
Promotional rate · 0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
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
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 Midvale, UT
26 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Salt Lake City, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
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