Compare Bank & Credit Union Rates
Best high-yield savings rates
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 metro
- 4.20%APY$420 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: Requires cumulative deposits of at least $250 during the previous statement cycle (Evaluation Period). All accounts automatically earn this rate through the first two statement cycles.
Qualified rate · 4.12% interest rate · No monthly fee · Effective Oct 8, 2026
Rate checked
More details - Deseret First Credit UnionMission SavingsSavings · $5 min · 0.05%–4.10% by balance
Credit union · 2 branches
4.10%APY$410 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: Loyalty rate tier for balances $0–$15,000. No monthly fees. Minimum opening deposit $5 per p40 ($0 per p41).
4.02% interest rate · No monthly fee
Rate by balance
Rate by balance for Mission Savings Balance APY Up to $15,000Your amount 4.10% $15,000 and up 0.05% Rate checked
More details - 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 - 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 · 2 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 - 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 - 3.00%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 - Deseret First Credit UnionPlatinum SavingsSavings · $10,000 min · 0.05%–2.85% by balance
Credit union · 2 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 - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 1 branch
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: 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 · 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 - Goldenwest Credit UnionInsured Money Market AccountInsured Money Market Account · $0 min · 1.00%–3.75% by balance
Credit union · 6 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
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 metro
67 accounts at 23 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 2.40%
- Banks, typical
- 0.05%
- Credit unions, typical
- 1.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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