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 Cottonwood Heights, UT
- 4.40%APY$440 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: Promotional APY Boost: New SoFi Checking and Savings members receive a 1.10% APY boost to the current Savings APY of 3.30% for up to 6 months by opening an account between 9/3/2026 and 12/31/2027 and receiving an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 days. Limited to one SoFi Savings account; cannot be combined with SoFi Plus 4.70% APY.
Qualified rate · No monthly fee · Effective Oct 20, 2026
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 - 3.30%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 - 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 - 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 - America First Credit UnionMoney MarketMoney Market · $0 min · 1.00%–3.90% by balance
Credit union · 1 branch
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 - Canyon View Credit UnionHigh Yield SavingsSavings · $0 min · 1.20%–7.00% by balance
Credit union · 1 branch
1.20%APY$120 a year on $10,000with conditionsRequirements
Product: To qualify for High Yield Savings rates, you must have direct deposits totaling $1,000+ each month and at least 25 debit and/or credit transactions of $5 or greater each month with your Canyon View Account. If qualifications are not met for that month, Primary share rates will be applied. Maximum of one High Yield Savings per account. 7.00% APY available through December 31, 2026.
Offer: Requires monthly direct deposit of $1,000+ and 25+ debit/credit transactions of $5+. Promotional APY available through December 31, 2026.
Qualified rate · 6.77% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 7.00% $2,501 and upYour amountBlended APY ranges from 1.20% to 7.00%. 1.20% Rate checked
More details - Canyon View Credit UnionMoney MarketMoney Market · $0 min · 0.75%–3.85% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Requirements
Product: No minimum balance requirement; earn dividends on entire balance. Tiered rates. Fees may reduce earnings.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $5,000 0.75% $5,000 – $10,000 1.00% $10,000 – $25,000Your amount 1.15% $25,000 – $50,000 1.65% $50,000 – $100,000 2.00% $100,000 – $150,000 2.65% $150,000 – $500,000 3.30% $500,000 – $1,000,000 3.45% $1,000,000 and up 3.85% Rate checked
More details - Utah First Credit UnionMoney MarketMoney Market · $0 min · 0.50%–3.90% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Rate by balance
Rate by balance for Money Market Balance APY Any balance 0.50% $2,000 and upYour amount 1.15% $25,000 and up 2.05% $100,000 and up 2.65% $250,000 and up 3.45% $1,000,000 and up 3.90% Rate checked
More details - Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 1 branch
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 - 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 - 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 · 1 branch
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 - 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
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 Cottonwood Heights, UT
40 accounts at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.33%
- Top 10% from
- 2.00%
- Banks, typical
- 0.30%
- Credit unions, typical
- 1.00%
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Salt Lake City, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 29 branches
- Deseret First Credit UnionCredit union · 6 branches
- Cyprus Credit UnionCredit union · 18 branches