Best Money Market Rates in Orem, Utah (UT) - May 2026
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Orem, Utah and the surrounding area money market deposit account rates include America First Federal Credit UnionAmerica First Federal Credit Union1356 S Main St, Orem, UT 84058A5.0 ★Texas Ratio: 8.12% Money Market at 3.90% APY, Utah First Federal Credit UnionUtah First Federal Credit UnionA+5.0 ★Texas Ratio: 2.03% Money Market at 3.90% APY, Granite Federal Credit UnionGranite Federal Credit UnionA+5.0 ★Texas Ratio: 2.83% MMA Min at 3.90% APY, Education 1st Credit UnionEducation 1st Credit UnionA+5.0 ★Texas Ratio: 1.13% Money Market Account at 3.85% APY, and Prime Alliance BankPrime Alliance BankD3.1 ★Texas Ratio: 37.64% Personal Money Market at 3.75% APY. Money market rates as of May 4, 2026 according to verified data from MonitorBankRates.
Orem has 3 local institutions in our database, with money market rates as high as 3.90% APY from America First Federal Credit Union at 1356 S Main St, Orem, UT 84058. Use the table below to compare all available offers, including options from institutions serving the broader Utah area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Orem, Utah and surrounding area. Last Updated and Verified: May 4, 2026
Compare the Best Money Market Rates Today in Orem, Utah & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1356 S Main St, Orem, UT 84058
Money Market
3.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000,000.00+; OPEN NOW
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1340 N State St, Orem, UT 84057 2663
Money market
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000,000 +
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Savings
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Account
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1356 S Main St, Orem, UT 84058
Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$250,000.00-$999,999.99; OPEN NOW
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Account
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Savings
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1340 N State St, Orem, UT 84057 2663
Money market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$250,000 - $999,999
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1356 S Main St, Orem, UT 84058
Money Market
2.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000.00-$249,999.99; OPEN NOW
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1340 N State St, Orem, UT 84057 2663
Money market
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 - $249,999
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1356 S Main St, Orem, UT 84058
Money Market
2.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000.00-$99,999.99; OPEN NOW
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1340 N State St, Orem, UT 84057 2663
Money market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$50,000 - $99,999
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1356 S Main St, Orem, UT 84058
Money Market
1.80%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$25,000.00-$49,999.99; OPEN NOW
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Savings
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Account
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Money Market Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance $1,00,000.00
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Money Market
3.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Money Market Account
3.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance $500,000.00
Prime Alliance Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.64%
Personal Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Money Market
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
MONEY MARKET ACCOUNTS & UP
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$500,000.00
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Elevation Climber Money Market Tier 5
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
>$250,000.00
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Elevation Climber Money Market
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
>$250,000.00
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance $250,000.00
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$15,000+
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
more than $1
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Money Market
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $1,000,000.00
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Money Market Savings
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
On balances of $25,000+
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
k Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$250
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Elevation Climber Money Market Tier 4
2.78%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$100,000 - $249,999.99
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Elevation Climber Money Market
2.78%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$100,000 - $249,999.99
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance $100,000.00
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Money Market Account
2.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Money Market
2.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
MONEY MARKET
2.60%
$2,000
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Money Market
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
MONEY MARKET ACCOUNTS
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$100,000.00 - $499,999.99
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
k Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$100
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Money Market Account
2.45%
$0
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Always Insured - ICS Money Market
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Balance $50,000.00
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Money Market Account
2.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $999,999.99
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Money Market Tier 4
2.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Elevation Climber Money Market
2.07%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$50,000 - $99,999.99
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Elevation Climber Money Market Tier 3
2.07%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$50,000 - $99,999.99
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Money Market
2.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Money Market
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
Money Markets
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
Money Market Account
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
k Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$25
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Money Market Tier 3
1.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
Money Market
1.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.80%
$0
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Elevation Climber Money Market Tier 2
1.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$3,000 - $49,999.99
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
Elevation Climber Money Market
1.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$3,000 - $49,999.99
State Bank of Southern Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
MONEY MARKET ACCOUNTS
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$25,000.00 - $99,999.99
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Money Market Account
1.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $249,999.99
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Money Market
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
MONEY MARKET
1.65%
$2,000
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 2, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Money Market Account K to $1M
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
k Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
$2.5
State Bank of Southern Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
MONEY MARKET ACCOUNTS
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$500.00 - $24,999.99
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Money Market Account
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $99,999.99
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Money Market Account
0.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $24,999.99
Celtic Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Money Market Account K to $100K
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$20
Celtic Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Money Market Account less than K
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$20
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Orem, Utah and the surrounding area.
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.
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.
Orem, UT Money Market Rate Trends
Compare local Orem, 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.
High-Yield MMA — UT Avg
3.023%
Unchanged vs 7 days ago
Utah high-yield MMA rates currently average 3.023% APY.
Standard MMA — UT Avg
1.306%
Unchanged vs 7 days ago
Utah standard MMA rates currently average 1.306% APY.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
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Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Orem, 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 Orem, 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 Orem, Utah
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Utah.
Are Money Market accounts in Orem, Utah safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Utah up to $250,000 per depositor, per institution.
How often do MMA rates change in Orem, Utah?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Utah rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Orem, Utah?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Orem, Utah require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Orem, Utah
Here are some of the highest money market account APYs currently available in Orem, Utah and the surrounding area:
- America First Federal Credit Union
Money Market — 3.90% APY - Utah First Federal Credit Union
Money Market — 3.90% APY - Granite Federal Credit Union
MMA Min — 3.90% APY - Education 1st Credit Union
Money Market Account — 3.85% APY - Prime Alliance Bank
Personal Money Market — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Orem, Utah. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 4, 2026
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