Fruit Heights, Utah Money Market Rates - October 2026
Brian McKay
Brian McKay
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Fruit Heights, Utah money market account rates from banks and credit unions serving Utah range from 1.71% to 4.01% APY, verified by MonitorBankRates as of October 12, 2026. Current Fruit Heights, Utah and the surrounding area money market deposit account rates include UFB DirectUFB DirectA+5.0 ★Texas Ratio: 3.94%Real return: +1.21%APY minus 2.8% CPI (February 2026) UFB Portfolio Money Market at 4.01% APY, Chartway Credit UnionChartway Credit UnionA5.0 ★Texas Ratio: 10.30%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Plus at 4.00% APY, Cyprus Federal Credit UnionCyprus Federal Credit UnionA+5.0 ★Texas Ratio: 2.73%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Sweep Money Market at 4.00% APY, Granite Federal Credit UnionGranite Federal Credit UnionA+5.0 ★Texas Ratio: 3.94%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Builder Money Market at 4.00% APY, and Quill BankQuill BankA-5.0 ★Texas Ratio: 14.58%Real return: +1.10%APY minus 2.8% CPI (February 2026) M and up Money Market at 3.90% APY. Money market rates as of October 12, 2026 according to verified data from MonitorBankRates.
Fruit Heights is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Utah area are available to Fruit Heights residents, with money market rates as high as 4.01% APY from UFB Direct. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Fruit Heights, Utah and surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Money Market Rates Today in Fruit Heights, Utah & the Surrounding Area
Earn a boosted 4.01% APY - This limited-time boost applies for up to 6 months after you open your account. Offer ends 10/31/26.
Qualifications Required: Average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $1,000,000 +; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you 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. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: $1,000,000.00 and over
Balance: $0 - $9,999
Balance: $1,000,000 and over
Balance: $1,000,000 +
Balance: $1,000,000.00+
Balance: $1,00,000.00
Balance: $1,000,000+
Balance: $1,000,000+
Balance: $1,000,000 and above; Variable
Balance: $500,000-$99,999,999.99
Balance: $1,000,000 +
Balance: $1,000,000 & Up
Balance: $500,000 - $999,999; Variable
Qualifications Required: Average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $500,000 - $999,999; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you 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. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: $1,000,000.00 and over
Balance: $500,000.00
Balance: $250,000 - $499,999; Variable
Balance: $1,000,000.00 and over
Balance: $1,000,000 +
- Oct 5, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Balance: $500,000.00 & UP
Balance: $250,000.00 to $499,999.99
Balance: $200,000+; Online Only - Apply Here or In Branch
Balance: Money Market Account more than $1M
Balance: $0.00 to $4,999.99
Balance: $250,000.00
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $250,000 - $999,999.99
Balance: $250,000 - $999,999.99
Balance: $250,000.00-$999,999.99
Balance: $500,000-$999,999
Balance: $500,000-$999,999
Balance: $25,000 - $49,999.99
Advertised Interest Rate and Annual Percentage Yield (APY) for the Sallie Mae Money Market Account are variable and may change after account opening, applies to personal accounts only, and are accurate as of 10/06/2026. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.
- Oct 2, 20263.40%▼ from 3.60%
- Sep 18, 20263.60%first recorded
Advertised Interest Rate and Annual Percentage Yield (APY) are variable and may change after account opening, applies to personal accounts only, and are accurate as of 10/09/2026. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details. Balance: $0.00 - $2,500.00
All Balances
Balance: $250,000 - $999,999.99
Balance: $250,000 - $999,999.99
Balance: $250,000-$499,999.99
Balance: $250,000.00 to $499,999.99
Balance: $250,000-$499,999
Balance: $250,000-$499,999
$250,000 - $499,999.99
Balance: $250,000.00 to $499,999.99
Balance: $250,000+
Balance: $0 to $9,999.99
Balance: $250,000 and Greater
Tier 8; Balance: $250,000 & Above
Balance: $250,000 - $999,999
- Oct 5, 20263.25%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Balance: $200,000.00 and over
- Oct 5, 20263.25%▲ from 3.00%
- Sep 17, 20263.00%first recorded
Balance: $250,001 and Up
On balances of $25,000+
$250k; Balance: $250,000 - $749,999.99
Balance: $100,000 +
Balance: $150,000.00 - $199,999.99; Online Only - Apply Here or In Branch
Balance: $150,000 - $249,000; Variable
Balance: $100,000 - $249,999.99
Balance: $100,000.00 to $249,999.99
Balance: $100,000.00
Balance: $100,000+
Balance: $100,001 - $250,000
Balance: $100,000 - $249,999
Balance: $100,000-$249,999.99
- Oct 3, 20262.63%▲ from 2.53%
- Sep 14, 20262.53%first recorded
Balance: $100,000.00 - $499,999.99
Balance: $500,000 and above
$100k; Balance: $100,000 - $199,999.99
Balance: $100,000.00 - $149,999.99; Online Only - Apply Here or In Branch
Balance: $1,000,000+; Avoid $25 monthly service fee with $2,500 minimum
Balance: $250,000 - $999,999.99
- Oct 3, 20262.35%▲ from 2.20%
- Sep 14, 20262.20%first recorded
Balance: $500,000 - $999,999; Avoid $25 monthly service fee with $2,500 minimum
- Oct 4, 20262.22%▲ from 2.02%
- Sep 20, 20262.02%first recorded
Balance: $250,000 - $499,999; Avoid $25 monthly service fee with $2,500 minimum
- Oct 4, 20262.07%▲ from 1.76%
- Sep 20, 20261.76%first recorded
Minimum: $2,500 (Money Market) | $25 (Savings); Balance: $250,000+
Balance: $1,000,000 & higher
Balance: $500,000 +. $1,000 minimum to avoid $10 monthly service charge
$25k; Balance: $25,000 - $49,999.99
Balance: $50,000.00 - $99,999.99; Online Only - Apply Here or In Branch
Balance: $100,000 - $249,999.99
- Oct 3, 20261.85%▲ from 1.70%
- Sep 14, 20261.70%first recorded
- Sep 19, 20261.79%▼ from 1.80%
- Sep 8, 20261.80%first recorded
Balance: $25,000.00 - $99,999.99
Balance: $20,000-$99,999.99
- Oct 3, 20261.71%▲ from 1.61%
- Sep 14, 20261.61%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Fruit Heights, UT Money Market Rate Trends
Compare local Fruit Heights, UT money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Utah high-yield MMA rates rose 0.027 points over the past 7 days to 3.261% APY.
Utah standard MMA rates fell 0.011 points over the past 7 days to 0.851% APY.
Fruit Heights, Utah Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current UT high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current UT high-yield money market average of 3.261% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Fruit Heights, Utah.
Money Market Account Earnings in Fruit Heights, Utah
Annual interest earnings at current UT average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.261% APY) | Monthly Earnings | Standard MMA (0.851% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $326.08 / year | $27.17 | $85.07 / year | $7.09 |
| $25,000 | $815.20 / year | $67.93 | $212.68 / year | $17.72 |
| $50,000 | $1,630.40 / year | $135.87 | $425.35 / year | $35.45 |
| $100,000 | $3,260.80 / year | $271.73 | $850.70 / year | $70.89 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Fruit Heights, Utah money market rate averages as of October 13, 2026. | ||||
Available in Fruit Heights, Utah Area
About Our Fruit Heights, Utah Money Market Rate Database
MonitorBankRates tracks money market rate offers from 44 banks and credit unions available to Fruit Heights, Utah residents via statewide and national offers. No branch locations physically in Fruit Heights are currently in our database, but all listed offers are open to Fruit Heights depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: UFB Direct offers a money market account at 4.01% APY. Use the rate table above to compare all current offers in Fruit Heights, Utah.
How to Find the Best Money Market Rates in Fruit Heights, Utah
What to compare when shopping for a money market account in Fruit Heights, Utah
To find the best money market APYs in Fruit Heights, Utah, start with credit unions and online-only banks: Fruit Heights, Utah has 28 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current UT high-yield money market average is 3.261% but top local institutions are offering as high as 4.01%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Fruit Heights, Utah high-yield money market rates currently average 3.261% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Fruit Heights, Utah institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 44 institutions in Fruit Heights, Utah report money market rates to our database.
- You’re among Fruit Heights, Utah’s 19.6% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Fruit Heights, Utah CD rates
- You don’t need check writing and want a lower minimum Fruit Heights, Utah savings rates
- You need daily transaction access Fruit Heights, Utah checking rates
Fruit Heights, Utah Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
19.6% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 0.2% reflects a strong local economy with solid savings capacity. At today’s UT high-yield money market average of 3.261%, saving 10% of the local median salary ($5,581/year) would earn an additional $182 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Fruit Heights, Utah Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Fruit Heights, Utah.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current UT Avg APY | 3.261% | View Savings Rates | 0.851%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Fruit Heights, Utah averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Fruit Heights, Utah Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Fruit Heights, Utah rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Fruit Heights, Utah
At UT’s top money market rate of 4.01% from UFB Direct, a $10,000 deposit earns $401 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Fruit Heights, Utah earner is roughly $14,000. At 3.261% APY in a money market account, saving $1,160/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountUtah’s high-yield money market average is 3.261% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Fruit Heights, Utah earner makes $55,810/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.261% APY.
Retirement PlannerA $25,000 money market balance earning 3.261% APY grows to roughly $47,495 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fruit Heights, Utah money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Fruit Heights, Utah directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Fruit Heights, Utah. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in UT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Fruit Heights, Utah
What is a Money Market Account (MMA)?
Are Money Market accounts in Fruit Heights, Utah safe?
How often do MMA rates change in Fruit Heights, Utah?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Fruit Heights, Utah?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Fruit Heights, Utah for money market accounts?
Best Money Market Rates in Fruit Heights, Utah
- UFB Direct
UFB Portfolio Money Market: 4.01% APY - Chartway Credit Union
Money Market Plus: 4.00% APY - Cyprus Federal Credit Union
Business Sweep Money Market: 4.00% APY - Granite Federal Credit Union
Business Builder Money Market: 4.00% APY - Quill Bank
M and up Money Market: 3.90% APY
Fruit Heights, Utah Rates & Resources
