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 76–90 results in Utah
- 0.80%APY$80 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: Standard rate earned automatically with no additional requirements needed. Variable rate. No minimum balance requirement.
Qualified rate · 0.80% interest rate · No monthly fee
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 5 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Millard County Credit UnionMoney MarketMoney Market · $0 min · 0.50%–1.26% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: No minimum deposit to open. $1,000 minimum balance to earn disclosed APY. Dividends compounded and credited monthly. Up to 6 withdrawals per month. Insured up to $250,000 by NCUA.
Offer: Tier 1 tier balance minimum applies; rates may change at any time.
0.50% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Balance APY Any balance 0.50% $5,000 and upTier 2. 0.65% $10,000 and upYour amountTier 3. 0.75% $25,000 and upTier 4. 0.85% $50,000 and upTier 5. 1.01% $100,000 and upTier 6. 1.26% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Funds can be withdrawn once per calendar year without penalty; withdrawals more than once per calendar year incur a 5% penalty of the amount withdrawn each time.
Offer: One withdrawal allowed per calendar year without penalty; additional withdrawals incur a 5% penalty.
0.75% interest rate · Effective Sep 30, 2026
Rate checked
More details - Chartway Credit UnionMoney Market PlusMoney Market Plus · $10,000 min · 0.75%–4.00% by balance
Credit union · 13 branches
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 - 0.75%APY$75 a year on $10,000
Requirements
Product: Requires maintaining a minimum balance of $25.00 in Primary Share Savings to keep membership active and maintain other accounts. Accounts may be designated as Individual, Joint, Uniform Transfer to Minors Act (UTMA), and Trust.
Offer: Dividends are compounded daily and credited monthly. Minimum balance of $25 required to maintain account and earn dividends.
0.75% interest rate · Compounded daily
Rate checked
More details - OE Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–0.80% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Start saving with $1,000 minimum opening deposit. Dividends compound monthly. Up to 6 free withdrawals or transfers per month ($15 fee per transaction thereafter).
Offer: Minimum to earn dividend: $1,000. Compounding period: Monthly.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.60% $10,000 and upYour amountMinimum to earn dividend: $10,000. 0.65% $25,000 and upMinimum to earn dividend: $25,000. 0.65% $50,000 and upMinimum to earn dividend: $50,000. 0.70% $100,000 and upMinimum to earn dividend: $100,000. 0.75% $250,000 and upMinimum to earn dividend: $250,000. 0.80% 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 - 0.55%APY$55 a year on $10,000
Requirements
Product: Keep an average daily balance of $500 or $200 minimum balance to waive the $4.00 monthly maintenance fee.
Offer: Fee waived if an average daily balance of $500 or $200 minimum balance is maintained.
$4 monthly fee
Rate by balance
Rate by balance for Savings Accounts Balance APY Up to $100,000Your amount 0.55% $100,000 – $250,000 0.85% $250,000 and up 1.45% Rate checked
More details - Desert Rivers Credit UnionMoney MarketMoney Market · $100 min · 0.05%–2.45% by balance
Credit union · 4 branches
0.55%APY$55 a year on $10,000Requirements
Product: Membership eligibility requirements apply (existing members, immediate family of members, residents of Grand County, San Juan County, Green River City, or members of Community Impact Fund Foundation). Insured by NCUA up to $250,000. No fees or commissions.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $100 – $999 0.05% $1,000 – $24,999Your amount 0.55% $25,000 – $99,000 0.65% $100,000 – $199,000 2.00% $200,000 and up 2.45% Rate checked
More details - San Juan Credit UnionPremier SavingsSavings · $0 min · 0.30%–0.75% by balance
Credit union · 3 branches
0.53%APY$53 a year on $10,000Requirements
Product: Tiered rate savings account based on balance.
0.30% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Premier Savings Balance APY Up to $2,499 0.30% $2,500 – $4,999 0.38% $5,000 – $9,999 0.45% $10,000 – $24,999Your amount 0.53% $25,000 – $49,999 0.60% $50,000 – $99,999 0.68% $100,000 and up 0.75% Rate checked
More details - Chartway Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.25%–0.60% by balance
Credit union · 13 branches
0.50%APY$50 a year on $10,000Requirements
Product: Fees could reduce earnings on the account (applies only to maintenance or activity fees). Variable rates. Rates subject to change at any time without notice.
0.25% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $5,000 0.25% $5,000 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.55% $50,000 – $100,000 0.60% $100,000 and up 0.35% Rate checked
More details - 0.50%APY$50 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: SoFi members with Eligible Direct Deposit activity can earn 0.50% APY on savings balances. Variable rate. No minimum balance requirement.
Qualified rate · No monthly fee
Rate checked
More details - First Utah BankPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.50%–2.07% by balance
Bank · 7 branches
0.50%APY$50 a year on $10,000Requirements
Product: Requires a minimum opening deposit of $2,500. A monthly service fee of $15 applies if the daily balance falls below $2,500 on any day of the statement cycle (or average daily balance is below $2,500). Limited to 6 withdrawals per month; excess withdrawals incur a $15 fee per transaction. Rates are variable and may change after account opening.
Offer: Compounded monthly. $15 monthly service fee waived by maintaining minimum balance requirements. Rate may change after account is opened.
0.50% interest rate · Compounded monthly · $15 monthly fee · Effective Oct 20, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $999 0.50% $1,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.50% $25,000 – $99,999 0.50% $100,000 – $249,999 2.07% $250,000 and up 2.07% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: No monthly service charge and no minimum balance requirements. Daily balance method used. Interest compounded and credited quarterly. Rates effective as of October 20, 2026.
Offer: Quarterly compound. $25 minimum opening deposit for Savings. Rate may change after account is opened.
0.50% interest rate · No monthly fee
Rate by balance
Rate by balance for Personal Savings Balance APY Up to $999 0.50% $1,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.50% $25,000 – $99,999 0.50% $100,000 – $249,999 2.07% $250,000 and up 2.07% 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