Compare Bank & Credit Union Rates
Best savings rates in Provo, 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 Provo, 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 - Freedom Credit UnionHigh Yield SavingsSavings · $5 min · 0.05%–3.50% by balance
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Qualifying Cash or Cash Back checking account required to open or receive rewards. Must meet monthly qualification requirements: at least 1 direct deposit/ACH credit/ACH payment transaction, at least 12 debit card purchases, and enrolled in e-statements. If qualifications are not met, base rate of 0.05% APY applies to all balances. No monthly maintenance fee. Limit 1 account per member. Minimum opening deposit stated as $0.00 in rate table, and $5.00 or $25.00 in text/disclosures.
Offer: Base rate earned on entire average daily balance if qualifications in linked High Yield Rewards or Cash Back Rewards checking are not met. Dividend rate is 0.050%.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for High Yield Savings Balance APY Any balance 0.05% Up to $250,000Your amountWhen qualifications are met in linked checking account. Dividend rate is 3.45%. text notes no minimum balance required to earn stated dividend. Stated opening deposit is $0.00 in rate table ($5.00/$25.00 in disclosures). 3.50% 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 - Freedom Credit UnionMoney Market SharesMoney Market Shares · $1,000 min · 0.05%–2.00% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Limit of 6 withdrawals per month. Dividends paid monthly. Rates are variable and may change at any time after account opening. Fees may reduce earnings.
Offer: Minimum balance to earn APY: $0.01. Balance tier: Less than $2,500. Dividends paid monthly.
0.05% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Money Market Shares Balance APY Up to $2,500 0.05% $2,500 – $9,999 1.50% $10,000 – $49,999Your amount 1.75% $50,000 and up 2.00% Rate checked
More details - Central Bank UtahHigh Yield Money Market AccountHigh Yield Money Market Account · $1,000 min · 1.26%–3.82% by balance
Bank · 3 branches
1.36%APY$136 a year on $10,000Requirements
Product: Requires $1,000 minimum to open and $1,000 minimum daily balance to earn interest. $9 monthly service fee if minimum daily balance is not met. Allows up to six withdrawals or transfers per month. Interest calculated daily, paid monthly.
Offer: $9 monthly service fee waived if minimum daily balance is met.
1.25% interest rate · $9 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY $1,000 – $10,000 1.26% $10,000 – $20,000Your amount 1.36% $20,000 – $100,000 1.71% $100,000 – $250,000 2.63% $250,000 – $500,000 3.35% $500,000 – $100,000,000 3.82% 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 - Utah First Credit UnionMoney MarketMoney Market · $0 min · 0.50%–3.90% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Rate by balance
Rate by balance for Money Market Balance APY Any balance 0.50% $2,000 and upYour amount 1.15% $25,000 and up 2.05% $100,000 and up 2.65% $250,000 and up 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 · 3 branches
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 - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 2 branches
0.50%APY$50 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 · 0.00% 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 - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 2 branches
0.45%APY$45 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 · 0.00% 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 · 2 branches
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 · 2 branches
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
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 Provo, UT
38 accounts at 14 banks and credit unions · checked Oct 6–22
- Typical
- 0.08%
- Top 10% from
- 1.82%
- Banks, typical
- 0.05%
- Credit unions, typical
- 1.00%
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Provo, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 14 branches
- Deseret First Credit UnionCredit union · 2 branches
- Cyprus Credit UnionCredit union · 1 branch