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 61–75 results in Utah
- Ridgeline Credit UnionSuper SaverSavings · $2,500 min · 1.01%–1.26% by balance
Credit union · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Requires membership in Ridgeline Credit Union ($25.00 share deposit). Minimum balance on the account is $2,500.00. No monthly fee. Unlimited withdrawals. Variable rate.
Offer: Minimum balance required is $2,500.00.
1.00% interest rate · No monthly fee · Effective Aug 31, 2026
Rate by balance
Rate by balance for Super Saver Balance APY $2,500 and upYour amount 1.01% $20,000 and up 1.26% Rate checked
More details - Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 74 branches
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 · 24 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 - EUCCUMoney Market AccountMoney Market Account · $1,000 min · 0.50%–3.25% by balance
Credit union · 4 branches
1.00%APY$100 a year on $10,000Requirements
Product: Account limited to six (6) withdrawals per month.
Offer: Account limited to six (6) withdrawals per month.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.50% $2,500 and up 0.75% $10,000 and upYour amount 1.00% $25,000 and up 1.25% $50,000 and up 1.75% $100,000 and up 2.25% $150,000 and up 2.50% $200,000 and up 3.25% 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 · 6 branches
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 · 6 branches
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 - Alpine Credit UnionMoney Market AccountMoney Market Account · $500 min · 0.75%–1.70% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Membership eligibility required. Dividends are calculated daily and paid quarterly. A $500 minimum balance is required to earn dividends; balances below this threshold do not earn dividends.
Offer: A $500 minimum balance is required to earn dividends. Balances below this threshold do not earn dividends.
No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.75% $2,500 – $10,000 0.85% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.45% $50,000 – $100,000 1.60% $100,000 – $250,000 1.70% $250,000 – $1,000,000 1.70% $1,000,000 and up 1.70% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must have a Varo Bank Account. Must be 18+ years old, a U.S. Citizen or Permanent Resident residing at a physical address within the 50 US states or DC. Accounts must be individually owned.
Offer: Standard baseline APY earned immediately on all balances.
Qualified rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - State Bank of Southern UtahMoney MarketMoney Market · $500 min · 1.00%–3.56% by balance
Bank · 17 branches
1.00%APY$100 a year on $10,000Requirements
Product: Start earning interest with a balance of at least $500. Maintain a balance of at least $2500 to avoid fees ($8 per month). Transactions restricted to no more than 6 convenience withdrawals per monthly cycle; over-the-limit withdrawals cost $10 each.
1.00% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $25,000Your amount 1.00% $25,000 – $100,000 1.76% $100,000 – $500,000 2.53% $500,000 and up 3.56% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Included with a Thrivent Money account. No minimum balance required or monthly account fees.
Offer: The interest rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees may reduce earnings on the account.
1.00% interest rate · No monthly fee · Effective Oct 13, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Part of Axos ONE checking and savings bundle. No monthly maintenance fees, opening fees, minimum balance requirements, or overdraft fees. Includes limited-time 0.79% APY Boost offer for new customers who open a new bundle between 10/01/2026 and 10/31/2026.
Offer: Standard base rate when promotional qualification criteria are not met.
Qualified rate · 1.00% interest rate · Balance cap $49,999.99 · No monthly fee · Effective Oct 6, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Minimum balances are required to avoid fees and balance totals determine interest rate. No monthly fee. Free quarterly statements (online or mailed). Checks included. Interest compounded daily and credited monthly. Must maintain a minimum balance of $2,500.00 each day to obtain the disclosed annual percentage yield.
1.00% interest rate · Compounded daily · No monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $200,000 2.50% $200,000 – $250,000 2.50% $250,000 – $750,000 3.00% $750,000 and up 3.00% Rate checked
More details - Horizon Credit UnionMoney MarketMoney Market · $2,000 min · 0.05%–2.70% by balance
Credit union · 5 branches
1.00%APY$100 a year on $10,000Requirements
Product: Deposits and withdrawals can be made at any time without penalty. Account receives daily interest on balances over $2,000.00.
Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 and up 0.05% $5,000 and upYour amount 1.00% $20,000 and up 1.75% $100,000 and up 2.70% Rate checked
More details - IBEW Federal Credit UnionMoney Market/FreedomMoney Market/Freedom · $500 min · 0.45%–2.05% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors.
Offer: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors.
0.45% interest rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for Money Market/Freedom Balance APY $500 and up 0.45% $2,500 and up 0.95% $5,000 and upYour amount 1.00% $25,000 and up 1.65% $50,000 and up 2.05% Rate checked
More details - Varex Federal Credit UnionMoney Market AccountMoney Market Account · 0.75%–2.05% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Share dividends paid monthly. Account activity fees may reduce earnings on dividend accounts. Rates subject to change without notice.
Offer: Tier: Under $5,000
0.75% interest rate · Effective May 15, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.75% $5,000 – $19,999Your amount 1.00% $20,000 – $49,999 1.26% $50,000 – $99,999 1.51% $100,000 – $249,999 2.02% $250,000 and up 2.05% 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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