Ephraim, Utah (UT) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best savings rates for Ephraim, Utah and the surrounding area include Utah Heritage Credit UnionUtah Heritage Credit Union268 S MAIN St, EPHRAIM, UT 84627A5.0 ★Texas Ratio: 11.38% Share Savings at 0.05% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union620 N Main St, Ephraim, UT 84627 1119A5.0 ★Texas Ratio: 11.38% Primary savings at 0.05% APY, Cyprus Federal Credit UnionCyprus Federal Credit Union3876 W Center view Way, West Jordan, UT 84084A+5.0 ★Texas Ratio: 2.42% Dream Round Up Savings at 10.00% APY, Nebo Credit UnionNebo Credit Union730 E 300 S, Springville, UT 84663A+5.0 ★Texas Ratio: 4.02% Dream Round Up Savings at 10.00% APY, and Chevron Federal Credit UnionChevron Federal Credit Union273 W 500 S, Bountiful, UT 84010A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY.
To see how these savings rates in Ephraim, Utah, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Ephraim, Utah (UT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ephraim, Utah and the surrounding area. Last Updated and Verified: March 23, 2026
Ephraim, UT Savings Rate Trends
Compare local Ephraim, UT savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Utah high-yield savings rates fell 3.034 points this week to 0.312% APY, down from 3.346% last week.
Utah standard savings rates rose 0.785 points this week to 1.218% APY, up from 0.433% last week.
Compare the Best Savings Rates in Ephraim, Utah & Surrounding Communities
Insured by NCUA. Effective as of 3/19/2026. Minimum deposit required to open and maintain a primary savings account is $1. Balances of $100 or more will accrue dividends. Rates and terms are subject to change.
Insured by NCUA. Effective as of 3/19/2026. There is no minimum deposit required to open a secondary savings account and balances above $0 will accrue dividends. Rates and terms are subject to change.
Qualifications Required: Receiving direct deposit(s) totaling $1,000 or more; Ending the month with a positive balance in all your Varo Accounts; Qualify to earn 5.00% Annual Percentage Yield (APY) on up to $5,000
Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
Standard Rate*
Earn 10x the National Average2
Qualifications Required: At least 1 direct deposit, ACH payment, or bill pay transaction; At least 12 debit card purchases; Be enrolled in and agree to receive e-statements; Qualifying balance up to $250,000
on all balance tiers
Standard Rate
Qualifying balance up to $10,000.00
Bonus Savings account promotional rate of 2.50% APY is effective as of 1/31/24. Dividends are paid quarterly. Rate is subject to change. Annual Percentage Yield (APY). Bonus Savings account is available for new and existing members of Chartway Credit Union. To qualify for the offer, Bonus Savings account must be funded completely with new money. New money is defined as funds not currently on deposit with Chartway Credit Union. Funds transferred from IRA accounts are not eligible for this product. Fees could reduce earnings on the account (applies only to maintenance or activity fees). Chartway senior leadership positions (Vice President and above), Board of Directors, and volunteers are not eligible for this product.
Withdrawals: IRA Restrictions
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 Savings Rate Data: We aggregate savings account rates for Ephraim, 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 Ephraim, 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 Ephraim, Utah
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Ephraim, Utah safe?
How often do savings rates change in Ephraim, 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 Ephraim, Utah?
How do I open a savings account in Ephraim, Utah?
Best Savings Rates in Ephraim, Utah
- Utah Heritage Credit Union
Share Savings — 0.05% APY - Mountain America Federal Credit Union
Primary savings — 0.05% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - Nebo Credit Union
Dream Round Up Savings — 10.00% APY - Chevron Federal Credit Union
MySavings Youth — 7.00% APY
