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Utah MMA Rate Trends

Best Money Market Rates in Sandy, Utah (UT) - March 2026

Content reviewed by
Brian McKay Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | Last Updated: March 21, 2026

Current Sandy, Utah and the surrounding area money market rates include Education 1st Credit UnionEducation 1st Credit Union1250 Country Hills Dr, Ogden, UT 84403 2560A+5.0 ★Texas Ratio: 1.13% Money Market Account at 4.25% APY, Chartway Credit UnionChartway Credit Union562 N Main St, Tooele, UT 84074A+5.0 ★Texas Ratio: 1.26% Money Market Plus at 4.15% APY, Granite Federal Credit UnionGranite Federal Credit Union9383 S 700 E, Sandy, UT 84070 6202A+5.0 ★Texas Ratio: 2.83% Business Builder Money Market at 4.00% APY, America First Federal Credit UnionAmerica First Federal Credit Union230 W Towne Ridge Pkwy Ste 300, Sandy, UT 84070A5.0 ★Texas Ratio: 8.12% Money Market at 3.90% APY, and Utah First Federal Credit UnionUtah First Federal Credit Union9213 S Quarry Bend Dr, Sandy, UT 84094A+5.0 ★Texas Ratio: 2.03% Money Market at 3.90% APY.

To see how these money market rates in Sandy, Utah and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Sandy, Utah (UT) are continually updated we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Sandy, Utah and surrounding area. Last Updated and Verified: March 21, 2026

Sandy, UT Money Market Rate Trends

Compare local Sandy, UT MMA rate quotes against the statewide average

Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Utah MMA Trends →
High-Yield MMA — UT Avg
2.113%

Utah high-yield MMA rates currently average 2.113% APY based on data from institutions in our monitoring network.

Standard MMA — UT Avg
1.706%
▲ 0.795 from last week

Utah standard MMA rates rose 0.795 points this week to 1.706% APY, up from 0.911% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Money Market Rates Today in Sandy, Utah & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Business Builder Money Market
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT 84070
Money Market
3.90%
$0
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Business Money Market Checking
3.90%
$0
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT 84094
Money Market
3.90%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Business Money Market
3.85%
$0
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Money Market Accounts
3.85%
$0
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Business Money Market Checking
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
7926 S 1300 E, Sandy, UT 84094 0744
Insured Money Market Account
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT 84070
Money Market
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1284 E 10600 S, Sandy, UT 84094 6101
Money market
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Account
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Business Money Market Checking
3.50%
$0
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Business Money Market
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT 84094
Money Market
3.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT 84070
Money Market
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Money Market Accounts
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9320 S State St, Sandy, UT 84070
My Money Market
3.40%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Online Only - Apply Here; In Branch

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
7926 S 1300 E, Sandy, UT 84094 0744
Insured Money Market Account
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT 84070
Money Market
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Business Money Market
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Money Market Accounts
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
7926 S 1300 E, Sandy, UT 84094 0744
Insured Money Market Account
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Account
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT 84070
Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1284 E 10600 S, Sandy, UT 84094 6101
Money market
3.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Ally Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
200 W Civic Center Dr, Sandy, UT 84070
Money Market
3.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9320 S State St, Sandy, UT 84070
My Money Market
2.99%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Online Only - Apply Here; In Branch

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Business Money Market Checking
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT 84070
Money Market
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT 84070
Money Market
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT 84094
Money Market
2.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
7926 S 1300 E, Sandy, UT 84094 0744
Insured Money Market Account
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Business Money Market
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Money Market Accounts
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT 84070
Money Market
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
10490 S 1300 E, Sandy, UT 84094
Money Market Plus
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9320 S State St, Sandy, UT 84070
My Money Market
2.48%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Online Only - Apply Here; In Branch

First Utah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Business Money Market and Savings
2.47%
$2,500
View
▼
Rate2.45%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
1284 E 10600 S, Sandy, UT 84094 6101
Money market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Business Money Market Checking
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Always Insured - ICS Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Business Money Market and Savings
2.22%
$2,500
View
▼
Rate2.20%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Money Market Tier 4
2.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Business Money Market and Savings
2.07%
$2,500
View
▼
Rate2.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Personal Money Market and Savings
2.07%
$2,500
View
▼
Rate2.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT 84094
Money Market
2.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
230 W Towne Ridge Pkwy Ste 300, Sandy, UT 84070
Money Market
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT 84070
Money Market
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Money Market Balance
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT 84070
Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Business Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
Money Market Accounts
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9320 S State St, Sandy, UT 84070
My Money Market
1.97%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Online Only - Apply Here; In Branch

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9320 S State St, Sandy, UT 84070
My Money Market
1.21%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Online Only - Apply Here; In Branch

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Account
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Business Money Market and Savings
0.50%
$2,500
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Personal Money Market and Savings
0.50%
$2,500
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Account
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9320 S State St, Sandy, UT 84070
My Money Market
0.25%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Online Only - Apply Here; In Branch

Bank of Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9320 S State St, Sandy, UT 84070
My Money Market
0.00%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Online Only - Apply Here; In Branch

Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT 84403 2560
Money Market Account
4.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
Money Market Plus
4.15%
$0
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

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.

Central Bank Provo, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
75 N University Ave, Provo, UT 84601
High Yield Money Market Account
3.82%
$0
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
Money Market Plus
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

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.

UMB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
911 E Fort Union Blvd, Midvale, UT 84047
UMB Retail Money Market
3.71%
$0
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT 84663
Money Market
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Sallie Mae
Institution Rating:
A5.0 ★ Texas Ratio: 7.81%
175 S West Temple, Salt Lake City, UT 84101
Money Market Account
3.65%
$0
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
MONEY MARKET ACCOUNTS & UP
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

$500,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

$15,000+

Celtic Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Money Market Account M
3.38%
$0
View
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

more than $1

Nebo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
730 E 300 S, Springville, UT 84663
Money Market
3.35%
$0
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

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 Sandy, 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.

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Sandy, 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 Sandy, 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 Sandy, Utah

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings 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 Sandy, 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 Sandy, 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.

Best Money Market Rates in Sandy, Utah

Here are some of the highest money market account APYs currently available in Sandy, Utah and the surrounding area:
  • Education 1st Credit Union
    Money Market Account — 4.25% APY
  • Chartway Credit Union
    Money Market Plus — 4.15% APY
  • Granite Federal Credit Union
    Business Builder Money Market — 4.00% APY
  • America First Federal Credit Union
    Money Market — 3.90% APY
  • Utah First Federal Credit Union
    Money Market — 3.90% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sandy, Utah. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026

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