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 31–45 results in Utah
- 2.00%APY$200 a year on $10,000
Requirements
Product: Offers apply to personal non-IRA accounts only. Rate may change after account is opened. Charges for specific services may reduce earnings.
Offer: Rate may change after account is opened. Charges for specific services may reduce earnings.
1.98% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Deseret First Credit UnionPlatinum SavingsSavings · $10,000 min · 0.05%–2.85% by balance
Credit union · 12 branches
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: Requires a linked eligible SBSU checking account (SBSU High Interest Checking, SBSU Cash Back Checking, SBSU Eats Checking, or SBSU Play Checking). To qualify for the higher rate, each Monthly Qualification Cycle must have at least 12 debit card transactions, at least 2 direct deposit, ACH payment, or ACH credit transactions, and enrollment in eStatements. Variable rate account.
Offer: Qualifying rate on daily balances up to $50,000 when linked checking account meets monthly qualifications.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 21, 2026
Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 2 branches
2.00%APY$200 a year on $10,000intro rateRequirements
Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
Promotional rate · 0.05% interest rate
Rate by balance
Rate by balance for Thrive Money Market Special Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.60% $250,000 and up 2.60% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Exclusively available to Kasasa checking account holders (links to free Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play checking). Automatic transfers of Kasasa earnings.
Offer: When qualifications are met in linked Kasasa checking account (at least 12 debit card purchases, enrolled in and agree to receive e-statements, enrolled in and log into online banking during Monthly Qualification Cycle).
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Free Kasasa Saver® Balance APY Up to $30,000Your amount 2.00% Over $30,000 0.60% 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 - KINGS PEAK CREDIT UNIONElevation Climber Money MarketElevation Climber Money Market · $0 min · 0.50%–3.55% by balance
Credit union · 1 branch
1.76%APY$176 a year on $10,000Requirements
Offer: < $3,000
0.50% interest rate
Rate by balance
Rate by balance for Elevation Climber Money Market Balance APY Up to $3,000 0.50% $3,000 – $50,000Your amount$3,000 - $49,999.99 1.76% $50,000 – $100,000$50,000 - $99,999.99 2.07% $100,000 – $250,000$100,000 - $249,999.99 2.78% $250,000 and up>$250,000.00 3.55% Rate checked
More details - Freedom Credit UnionMoney Market SharesMoney Market Shares · $1,000 min · 0.05%–2.00% by balance
Credit union · 2 branches
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 - Pacific Horizon Credit UnionMoney MarketMoney Market · $1,000 min · 0.75%–3.25% by balance
Credit union · 3 branches
1.50%APY$150 a year on $10,000Requirements
Product: Up to six withdrawals per month; each additional withdrawal is $5.00.
0.75% interest rate · Effective Feb 24, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $5,000 0.75% $5,001 – $50,000Your amount 1.50% $50,001 – $100,000 2.25% $100,001 – $250,000 2.75% $250,001 and up 3.25% 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 · 13 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 - 1.35%APY$135 a year on $10,000
Requirements
Product: Interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.
1.34% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $99,999Your amount 1.35% $100,000 – $249,999 1.45% $250,000 – $499,999 1.65% $500,000 and up 2.50% Rate checked
More details - Goldenwest Credit UnionInsured Money Market AccountInsured Money Market Account · $0 min · 1.00%–3.75% by balance
Credit union · 52 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 · 9 branches
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 · 87 branches
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
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