Ogden, Utah (UT) Savings Rates - March 2026
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The savings 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.
The best savings rates for Ogden, Utah and the surrounding area include Granite Federal Credit UnionGranite Federal Credit Union905 26th St, Ogden, UT 84401 2523A+5.0 ★Texas Ratio: 2.83% Tier 1 YoungInvestor Savings at 5.00% APY, TAB BankTAB Bank4185 Harrison Blvd, Ogden, UT 84403A5.0 ★Texas Ratio: 13.12% High Yield Savings at 3.80% APY, Utah Power Credit UnionUtah Power Credit Union1438 W 2550 S, Ogden, UT 84401A+5.0 ★Texas Ratio: 1.01% Regular Shares at 0.55% APY, Bank of UtahBank of Utah2605 Washington Blvd, Ogden, UT 84401A+5.0 ★Texas Ratio: 0.00% Health Savings Account at 0.32% APY, and Education 1st Credit UnionEducation 1st Credit Union1250 Country Hills Dr, Ogden, UT 84403 2560A+5.0 ★Texas Ratio: 1.13% Auxiliary Share Account at 0.15% APY.
To see how these savings rates in Ogden, 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 Ogden, Utah (UT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ogden, Utah and the surrounding area. Last Updated and Verified: March 21, 2026
Ogden, UT Savings Rate Trends
Compare local Ogden, 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.
High-Yield Savings — UT Avg
0.645%
Utah high-yield savings rates currently average 0.645% APY based on data from institutions in our monitoring network.
Standard Savings — UT Avg
1.187%
Utah standard savings rates currently average 1.187% APY based on data from institutions in our monitoring network.
As of Mar 21, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Ogden, Utah & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
Tier 1 YoungInvestor Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
YoungInvestor Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
Tier 2 YoungInvestor Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
High Yield Savings
3.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
High Yield Savings
3.61%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
Tier 3 YoungInvestor Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1438 W 2550 S, Ogden, UT 84401
Regular Shares
0.55%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
The Board of Directors has declared a dividend on earnings for the fourth quarter of 2024 payable January 1, 2025. Fees may reduce earnings.
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT 84401
Health Savings Account
0.32%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1438 W 2550 S, Ogden, UT 84401
Business Savings
0.28%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
The Board of Directors has declared a dividend on earnings for the fourth quarter of 2024 payable January 1, 2025. Fees may reduce earnings.
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
Business Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT 84401
Health Savings Account
0.17%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT 84403 2560
Auxiliary Share Account
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT 84403 2560
Share Savings Account
0.15%
$6
▼
Rate0.00%
Min Deposit$6
Min Balance—
UpdatedMar 13, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
Tier 4 YoungInvestor Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
Business Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4301 Harrison Blvd, Ogden, UT 84403
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1825 Washington Blvd, Ogden, UT 84401
Secondary savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1825 Washington Blvd, Ogden, UT 84401
Savings accounts
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1825 Washington Blvd, Ogden, UT 84401
Primary savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
147 26th st, Ogden, UT 84401
Secondary Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
147 26th st, Ogden, UT 84401
Primary Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
147 26th st, Ogden, UT 84401
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
358 N Harrisville Rd, Ogden, UT 84404
Share Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 17, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
Secondary Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
905 26th St, Ogden, UT 84401 2523
Organizational Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4301 Harrison Blvd, Ogden, UT 84403
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4301 Harrison Blvd, Ogden, UT 84403
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
How to avoid the $5 monthly service fee
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4301 Harrison Blvd, Ogden, UT 84403
Way2Save Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT 84401
Health Savings Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT 84663
Dream Round Up Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
Dream Round Up Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT 84010
MySavings Youth
7.00%
$0
▼
Rate6.77%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Varo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
11781 S Lone Peak Pkwy, Draper, UT 84020
Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required: Receiving direct deposit(s) totaling $1,000 or more; End the month with a positive balance in all your Varo Accounts; Qualifying balance up to $5,000.00
Varo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
11781 S Lone Peak Pkwy, Draper, UT 84020
High-Yield Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required: Receiving direct deposit(s) totaling $1,000 or more; Ending the month with a positive balance in all your Varo Accounts; Qualifying balance up to $5,000.00
Varo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
11781 S Lone Peak Pkwy, Draper, UT 84020
High interest savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required: Receiving direct deposit(s) totaling $1,000 or more; End the month with a positive balance in all your Varo Accounts; Qualifying balance up to $5,000.00
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
Smart Steps Savings
4.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Pitney Bowes Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
215 S State St, Salt Lake City, UT 84111
Business Savings Account
4.25%
$0
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Standard Rate*
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
High-Yield Savings Account
4.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
Retirement High-Yield Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
LevelUp Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Earn 10x the National Average2
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
High-Yield Savings Account
3.90%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT 84020
K-12 High-Yield Savings Accounts
3.89%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
175 S West Temple, Salt Lake City, UT 84101
High-Yield Savings Account
3.85%
$0
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
1868 S 500 W, Woods Cross, UT 84010
Business Savings Account
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
1868 S 500 W, Woods Cross, UT 84010
Personal Savings
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
1868 S 500 W, Woods Cross, UT 84010
Business Savings Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Savings
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Share Savings Account
3.55%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Mission Savings Fund
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT 84604 3315
High Yield Savings
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $250,000.00
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT 84020
K-12 High-Yield Savings Accounts
3.38%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
1868 S 500 W, Woods Cross, UT 84010
Business Savings Account
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Share Savings Account
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Savings
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT 84020
High Yield Savings Account
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
Premier Savings
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
Premier Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
SafeGuard Savings, Consumer
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
SafeGuard Savings, Municipal
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
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MonitorBankRates
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.
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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Ogden, 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 Ogden, 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 Ogden, Utah
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Utah, help your money grow faster through a higher APY.
Are savings accounts in Ogden, 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 savings rates change in Ogden, Utah?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Ogden, Utah may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Ogden, Utah?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Ogden, Utah offer in-person customer service, which some customers prefer.
How do I open a savings account in Ogden, Utah?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Ogden, Utah
Here are recent savings rates observed in Ogden, Utah and the surrounding area:
- Granite Federal Credit Union
Tier 1 YoungInvestor Savings — 5.00% APY - TAB Bank
High Yield Savings — 3.80% APY - Utah Power Credit Union
Regular Shares — 0.55% APY - Bank of Utah
Health Savings Account — 0.32% APY - Education 1st Credit Union
Auxiliary Share Account — 0.15% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ogden, Utah. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026
