Compare Bank & Credit Union Rates
Best savings rates in Utah
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Utah
- 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 - Deseret First Credit UnionMission SavingsSavings · $5 min · 0.05%–3.60% by balance
Credit union · 12 branches
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 - 3.60%APY$360 a year on $10,000
Requirements
Product: Applies to personal accounts only. Variable rate may change after account opening. Interest is compounded daily and credited/paid monthly.
Offer: Applies to personal accounts only. Variable rate may change after account opening. Interest is compounded daily and credited/paid monthly.
3.54% interest rate · Compounded daily · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 3.55%APY$355 a year on $10,000
Requirements
Product: Offers apply to personal non-IRA accounts only. Rate may change after the account is opened.
Offer: Offers apply to personal non-IRA accounts only. Rate may change after the account is opened.
3.48% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000
Balance cap $1,000,000 · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Freedom Credit UnionHigh Yield SavingsSavings · $5 min · 0.05%–3.50% by balance
Credit union · 2 branches
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 - 3.40%APY$340 a year on $10,000
Requirements
Product: Online goal-based savings account for personal accounts only. Interest is calculated based on aggregate balance across all SmartyPig goals plus month-to-date accrued interest.
Offer: Rate paid on entire balance if daily balance is more than $0 but $2,500 or less.
3.34% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 3.30%APY$330 a year on $10,000with conditions
Requirements
Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
Offer: Requires Eligible Direct Deposit (monthly direct deposits) or Qualifying Deposits ($5,000 or more every 31 days). No minimum balance requirement. Fees may reduce earnings.
Qualified rate · 3.27% interest rate · No monthly fee · Effective Oct 20, 2026
Rate checked
More details - 3.20%APY$320 a year on $10,000
No monthly fee · Effective Oct 15, 2026
Rate checked
More details - Chevron Federal Credit UnionMarketEdge Money Market SavingsMarketEdge Money Market Savings · $0 min · 0.75%–3.25% by balance
Credit union · 2 branches
3.15%APY$315 a year on $10,000Requirements
Product: High-yield savings account with checks and debit card convenience. No term restrictions. Balances below $2,500 earn regular Primary Share Savings rate. Requires maintaining $25 minimum balance in Primary Share Savings account.
Offer: Balances below $2,500 earn regular Primary Share Savings dividend rate.
0.75% interest rate · No monthly fee
Rate by balance
Rate by balance for MarketEdge Money Market Savings Balance APY Up to $2,500 0.75% $2,500 – $10,000 3.15% $10,000 – $25,000Your amount 3.15% $25,000 – $50,000 3.25% $50,000 – $100,000 3.25% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - 3.10%APY$310 a year on $10,000
Requirements
Product: Rates are variable and subject to change. Unlimited ATM withdrawals and deposits; up to 10 limited withdrawals/transfers per statement cycle.
Offer: No minimum balance required to open or earn APY. Interest compounded daily. Rates are variable and may change after account opening. Stated APY applies across all balance tiers.
Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.10%APY$310 a year on $10,000
Requirements
Product: Variable rate. Limit of 10 withdrawals/transfers per statement cycle.
Offer: Variable APY applies across balance tier less than $5,000.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Account earns the LevelUp Rate for the first two statement cycles after opening; requires cumulative deposits of at least $250 per statement cycle (Evaluation Period) starting in the third statement cycle to maintain the LevelUp Rate, otherwise earns the Standard Rate. Subject to closure if inactive with a zero balance for 3 months.
Offer: Standard rate earned when cumulative deposits during the previous statement cycle are less than $250.
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 8, 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
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 Utah
198 accounts at 79 banks and credit unions · checked Oct 15–22
- Typical
- 0.35%
- Top 10% from
- 3.52%
- Banks, typical
- 0.50%
- Credit unions, typical
- 0.25%
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Utah
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 87 branches
- Deseret First Credit UnionCredit union · 12 branches
- Cyprus Credit UnionCredit union · 23 branches