Axtell, Utah Savings Rates - October 2026
Brian McKay
Brian McKay
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Axtell, Utah savings account rates range from 1.00% to 5.10% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Axtell, Utah and the surrounding area include Quill BankQuill BankA-5.0 ★Texas Ratio: 14.58%Real return: +2.30%APY minus 2.8% CPI (February 2026) High-Yield Savings at 5.10% APY, Axos BankAxos BankA+5.0 ★Texas Ratio: 3.94%Real return: +2.20%APY minus 2.8% CPI (February 2026) Axos ONE Savings at 5.00% APY, WaFd BankWaFd BankA+5.0 ★Texas Ratio: 4.48%Real return: +2.20%APY minus 2.8% CPI (February 2026) Start Savings at 5.00% APY, Cyprus Federal Credit UnionCyprus Federal Credit UnionA+5.0 ★Texas Ratio: 2.73%Real return: +2.20%APY minus 2.8% CPI (February 2026) Teen Learn & Earn Savings at 5.00% APY, and Granite Federal Credit UnionGranite Federal Credit UnionA+5.0 ★Texas Ratio: 3.94%Real return: +2.20%APY minus 2.8% CPI (February 2026) Tier 1 YoungInvestor Savings at 5.00% APY.
Axtell is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Utah area are available to Axtell residents, with savings rates as high as 5.10% APY from Quill Bank. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Axtell, Utah and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Axtell, Utah & Surrounding Communities
Utah residents only; 4.10% variable base APY plus 1.00% Rebrand Boost through January 31, 2027; Boost applies to daily balance up to and including $500,000.00; Online Only
- Oct 7, 20265.10%▲ from 4.00%
- Oct 2, 20264.00%▼ from 5.00%
- Sep 18, 20265.00%first recorded
5.00% APY on savings; part of the Axos ONE bundle
As Low As; Earn up to 5.00% APY on savings for new customers' first 6 months; No monthly maintenance, balance, opening, or overdraft fees; Early payday: get paid up to 2 days early
- Oct 14, 20265.00%▲ from 4.21%
- Sep 30, 20264.21%first recorded
Balance: $0 - $500; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
Balance: $0.00 to $1,000.00; Dividends declared, paid and compounded monthly; Tiered rate on average daily balance of $0.01 to $1,000.00
Balance: <$2,000; APY applies to balances up to $1,000
Balance: up to $1,000.00; APY applies to balances up to $1,000; balances over $1,000 revert to the standard savings rate
Balance: $0.00 - $2,499.99; Promotional APY of 5.00% for first 6 months on the first tier up to $2,499.99
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Balance: $10,000+; Earn 4.25% APY when you keep $10,000+ in savings - more than 11 the national average.3 Otherwise earn 1.00% APY.
- Sep 24, 20264.25%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Qualifications Required; LevelUp Rate applies when depositing $250+ per month (statement cycle); rate applied to full balance; Standard Rate of 3.00% APY otherwise
Earn LevelUp Rate on entire balance when you deposit $250+ per month; Standard Rate of 3.00% APY otherwise
- Sep 25, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Non-Utah residents; variable base APY; Online Only
- Oct 7, 20264.10%▲ from 4.00%
- Oct 2, 20264.00%▼ from 5.00%
- Sep 18, 20265.00%first recorded
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Balance: $0-$15,000; Loyalty Rate
- Oct 9, 20264.10%▲ from 3.60%
- Sep 17, 20263.60%first recorded
Deposits from $100 minimum up to $1 million; interest compounded daily and credited monthly; APY accurate as of 10/14/2026; rate may change after account is opened
- Oct 14, 20264.05%▲ from 4.00%
- Sep 27, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Open with $100 or more, then boost your balance with online deposits; rates are variable and may change after opening
Available as a Traditional or Roth IRA
- Oct 10, 20264.05%▲ from 4.00%
- Sep 27, 20264.00%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Promotional boosted rate; applies for up to 6 months after account opening; use promo code UFB75; offer ends 10/31/26; after the boost period, earns standard rate; FDIC insured up to $250K individual and $500K joint
- Oct 14, 20264.01%▲ from 3.26%
- Sep 24, 20263.26%first recorded
Promotional APY for up to 6 months; No minimum balance for APY; No monthly maintenance fees; No minimum initial deposit
All Balances; Interest compounded daily; Only $100 minimum to open; No monthly fee; Online account opening
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Balance: $2,000-$5,000; APY applies to balances up to $1,000
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Up to 3.91% APY on all balances for up to 6 months; limited-time promotional rate; open with a Basic Business Checking account; promo code BOOST41
Balance: All balances; Interest paid monthly; Rate and APY are variable and may change without notice
- Sep 27, 20263.90%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Balance: $1,000,000 and over
- Oct 9, 20263.90%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $0; Personal accounts only; variable rate, may change after account opening
Qualifications Required: $800 in direct deposit a month; maintain a positive balance in bank and savings accounts; Balance: $0.00 - $5,000.00; Up to 3.75% APY on first $5,000, 1.00% APY on everything else; Online Only
Qualifications Required; Qualifying balance up to $5,000.00; Competitive interest rates, 9x the national average for savings accounts; 1.00% APY on balances over $5,000 (not included)
Available for Qualifying Cash only; requires eligible Morgan Stanley brokerage account; maximum deposit $20,000,000; APY as advertised quoted as of 9/17/26
Balance: $0-$15,000
No minimum balance; Refer-a-friend promotion adds 1.00% APY for 3 months; Maximum balance limits apply
- Sep 18, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Earn up to 3.50% APY when you are an account owner of a U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Balance: $0.01 - $250,000.00; Dividend Frequency: Monthly
Balance: $250,000 - $999,999.99
- Oct 9, 20263.45%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $0.01 - $2,500
Balance: All Balances; Interest compounded daily; Open online; $5 monthly fee if you receive paper statements
Balance: $0-$9,999.99
Balance: $25,000 or more; Rates for New Savings Customers; Earn 3.25% APY as a new Wells Fargo savings customer; California Bay Area counties branches only
- Oct 14, 20263.25%▲ from 0.05%
- Oct 7, 20260.05%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $25,000+
- Oct 13, 20263.25%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Balance: $750,000 and up
Balance: $5000.01-$10,000; APY applies to balances up to $1,000
Balance: $250,000-$749,999
Balance: $100,000-$1,000,000
Balance: $100,000 - $249,999.99
Balance: $100000
- Oct 9, 20262.70%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Balance: $100000
- Oct 9, 20262.70%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Balance: $100,000-$249,000
Balance: $50,000 & above; Term n/a
Balance: up to $10,000
Balance: $100+; Dividends: Quarterly
Balance: $500.01 - $1000; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
Promotional rate; must be funded completely with new money (funds not currently on deposit with Chartway); available to new and existing members; funds transferred from IRA accounts not eligible; dividends paid quarterly; Chartway senior leadership (VP and above), Board of Directors, and volunteers not eligible
Paid Monthly
Balance: $1,000,000+; Avoid $25 monthly service fee with $2,500 minimum
Withdrawals: IRA Restrictions; Term n/a
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: $1,000,000.00 and above
- Oct 9, 20262.15%▲ from 2.00%
- Sep 14, 20262.00%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: $50,000 - $99,999.99
Balance: $25,000 - $49,999.99; Term n/a
IRA/HSA Accounts
IRA/HSA Accounts
Balance: $50,000.00 and over
Balance: $250,000 & over
- Oct 3, 20261.45%▲ from 1.35%
- Sep 14, 20261.35%first recorded
Published APY range: 1.07% - 0.64%; Published rate range: 1.06% - 0.64%. Balance: Interest paid on balances above $25,000
Balance: $10 +; No monthly service charge; Open Online
Instant 1.00% interest rate on every dollar; no minimum deposit, savings limit, or monthly or annual fees; Online Only
Balance: $0 - $9,999.99; Earn 4.25% APY when you keep $10,000+ in savings - more than 11 the national average.3 Otherwise earn 1.00% APY.
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.
Axtell, UT Savings Rate Trends
Compare local Axtell, UT savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Utah high-yield savings rates rose 0.246 points over the past 7 days to 3.137% APY, up from 2.890%.
Utah standard savings rates fell 0.027 points over the past 7 days to 1.226% APY, down from 1.253%.
Axtell, Utah Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current UT high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 3.137% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Axtell, Utah.
Savings Account Earnings in Axtell, Utah
Annual interest earnings at current UT average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (3.137% APY) | Monthly Earnings | Standard Savings (1.226% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $156.83 / year | $13.07 | $61.30 / year | $5.11 |
| $10,000 | $313.65 / year | $26.14 | $122.60 / year | $10.22 |
| $25,000 | $784.12 / year | $65.34 | $306.50 / year | $25.54 |
| $50,000 | $1,568.25 / year | $130.69 | $613.00 / year | $51.08 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Axtell, Utah savings rate averages as of October 14, 2026. | ||||
About Our Axtell, Utah Savings Rate Database
MonitorBankRates tracks savings rate offers from 34 banks and credit unions available to Axtell, Utah residents via statewide and national offers. No branch locations physically in Axtell are currently in our database, but all listed offers are open to Axtell 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: Quill Bank offers a savings account at 5.10% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Axtell, Utah.
How to Find the Best Savings Rates in Axtell, Utah
What to compare when shopping for a savings account in Axtell, Utah
To find the best savings APYs in Axtell, Utah, start with credit unions and online-only banks: Axtell, Utah has 14 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current UT high-yield savings average is 3.137% but top local institutions are offering as high as 5.10%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Axtell, Utah high-yield savings rates currently average 3.137% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Axtell, Utah institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 34 institutions in Axtell, Utah report savings rates to our database.
- 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 Axtell, Utah CD rates
- You want check-writing flexibility Axtell, Utah money market rates
- You need daily transaction access Axtell, Utah checking rates
Utah Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
11.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy with solid savings capacity. At today’s UT high-yield savings average of 3.137%, saving 10% of the local median salary ($4,371/year) would earn an additional $137 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Axtell, Utah Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Axtell, Utah.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current UT Avg APY | 3.137% | 1.226% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Axtell, Utah averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Axtell, Utah
At UT’s top rate of 5.10% from Quill Bank, a $10,000 deposit earns $510 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Axtell, Utah earner is roughly $10,900. At 3.137% APY, saving $910/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsUtah’s high-yield savings average is 3.137% APY, variable and always accessible. 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 Axtell, Utah earner makes $43,714/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.137% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 3.137% APY grows to roughly $46,365 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 Axtell, Utah savings 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 Savings Rate Data: We aggregate savings account rates for Axtell, 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 savings 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 Axtell, Utah. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in UT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Axtell, Utah
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Axtell, Utah safe?
How often do savings rates change in Axtell, Utah?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Axtell, Utah?
How do I open a savings account in Axtell, Utah?
Best Savings Rates in Axtell, Utah
- Quill Bank
High-Yield Savings: 5.10% APY - Axos Bank
Axos ONE Savings: 5.00% APY - WaFd Bank
Start Savings: 5.00% APY - Cyprus Federal Credit Union
Teen Learn & Earn Savings: 5.00% APY - Granite Federal Credit Union
Tier 1 YoungInvestor Savings: 5.00% APY
Axtell, Utah Rates & Resources
