Compare Bank & Credit Union Rates
Best savings rates in Murray, 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 Murray, UT
- Deseret First Credit UnionMission SavingsSavings · $5 min · 0.05%–4.10% by balance
Credit union · 1 branch
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 - 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 - 3.82%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 - Deseret First Credit UnionMission SavingsSavings · $5 min · 0.05%–3.60% by balance
Credit union · 1 branch
3.60%APY$360 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: Standard tier for balances $0–$15,000. No monthly fees. Minimum opening deposit $5 per p40 ($0 per p41).
3.54% interest rate · No monthly fee
Rate by balance
Rate by balance for Mission Savings Balance APY Up to $15,000Your amount 3.60% $15,000 and up 0.05% 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 - Deseret First Credit UnionPlatinum SavingsSavings · $10,000 min · 0.05%–2.85% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Requires at least one year of DFCU membership, a $10,000 average balance maintained over the past 12 months, and a $10,000 minimum opening deposit. Funds placed with FDIC-insured banks and NCUA-insured credit unions. No withdrawal restrictions.
Offer: Requires 1-year DFCU membership and $10,000 average balance maintained over past 12 months. $10,000 opening deposit required.
0.05% interest rate
Rate by balance
Rate by balance for Platinum Savings Balance APY Up to $9,999 0.05% $10,000 – $99,999Your amount 2.00% $100,000 – $1,000,000 2.85% 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 - Goldenwest Credit UnionInsured Money Market AccountInsured Money Market Account · $0 min · 1.00%–3.75% by balance
Credit union · 3 branches
1.25%APY$125 a year on $10,000Requirements
Product: No minimum balance requirement to open or maintain. Dividend earnings based on tiered balance amounts. Add money at any time. No monthly service fee. Unlimited in-person withdrawals. Federally insured by NCUA.
1.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Insured Money Market Account Balance APY Up to $4,999 1.00% $5,000 – $24,999Your amount 1.25% $25,000 – $49,999 1.70% $50,000 – $99,999 2.00% $100,000 – $249,999 2.65% $250,000 – $499,999 3.30% $500,000 – $999,999 3.35% $1,000,000 and up 3.75% Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% 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 - Deseret First Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.25%–3.85% by balance
Credit union · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Church members and immediate family members can join the credit union. Initial deposit of $2,500 required; no minimum balance after opening. Loyalty rates/bonuses available for qualifying members.
0.25% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $2,499 0.25% $2,500 – $19,999Your amount 1.10% $20,000 – $99,999 2.00% $100,000 – $249,999 2.60% $250,000 – $499,999 3.35% $500,000 – $999,999 3.45% $1,000,000 and up 3.85% 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 - 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 - 0.55%APY$55 a year on $10,000
Requirements
Product: Also referred to as Regular Shares or Regular Savings. Account represents membership share in the Credit Union.
Offer: The Board of Directors has declared a dividend on earnings for the third quarter of 2026 payable October 1, 2026. Minimum deposit of $5.00. Fees may reduce earnings.
0.55% interest rate · 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 Murray, UT
47 accounts at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.20%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.65%
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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
- America First Credit UnionCredit union · 29 branches
- Deseret First Credit UnionCredit union · 6 branches
- Cyprus Credit UnionCredit union · 18 branches