Orem, 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 Orem, Utah and the surrounding area include LimeLight BankLimeLight Bank49 W University Pkwy, Orem, UT 84058A5.0 ★Texas Ratio: 12.00% High-Yield Savings Account at 3.90% APY, UTAH COMMUNITYUTAH COMMUNITY311 E 800 S, Orem, UT 84097C3.8 ★Texas Ratio: 29.46% Money Market Savings at 3.55% APY, Deseret First Federal Credit UnionDeseret First Federal Credit Union337 N State St, Orem, UT 84057A5.0 ★Texas Ratio: 7.12% Mission Savings Fund at 3.50% APY, Central Bank Provo, UTCentral Bank Provo, UT415 N State St, Orem, UT 84057A+5.0 ★Texas Ratio: 0.40% YOUth Smart Savings Account (Ages 0-18) at 2.52% APY, and Bank of UtahBank of Utah980 West 830 North, Orem, UT 84059A+5.0 ★Texas Ratio: 0.00% Health Savings Account at 0.32% APY.
To see how these savings rates in Orem, 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 Orem, Utah (UT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Orem, Utah and the surrounding area. Last Updated and Verified: March 20, 2026
Orem, UT Savings Rate Trends
Compare local Orem, 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 Orem, Utah & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
49 W University Pkwy, Orem, UT 84058
High-Yield Savings Account
3.90%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details
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—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
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%
337 N State St, Orem, UT 84057
Mission Savings Fund
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
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%
311 E 800 S, Orem, UT 84097
Money Market Savings
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
415 N State St, Orem, UT 84057
YOUth Smart Savings Account (Ages 0-18)
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $10,000.00
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Share Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 15, 2026
Details
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—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Share Savings Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Share Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Share Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Share Savings Account
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Share Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
980 West 830 North, Orem, UT 84059
Health Savings Account
0.32%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
337 N State St, Orem, UT 84057
IRA Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
980 West 830 North, Orem, UT 84059
Health Savings Account
0.17%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
415 N State St, Orem, UT 84057
Personal Statement Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
415 N State St, Orem, UT 84057
Statement Savings Account
0.15%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 18, 2026
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
415 N State St, Orem, UT 84057
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1340 N State St, Orem, UT 84057 2663
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%
1340 N State St, Orem, UT 84057 2663
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%
1340 N State St, Orem, UT 84057 2663
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%
1020 E 800 N, Orem, UT 84097 4314
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%
1020 E 800 N, Orem, UT 84097 4314
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%
1020 E 800 N, Orem, UT 84097 4314
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%
1356 S Main St, Orem, UT 84058
Share Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 17, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
175 E 200 S, Orem, UT 84058
Youth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
337 N State St, Orem, UT 84057
Membership Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
175 E 200 S, Orem, UT 84058
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
337 N State St, Orem, UT 84057
Special Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
140 W 800 N, Orem, UT 84057
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Share Savings Account
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
311 E 800 S, Orem, UT 84097
Regular Business Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT 84057 2548
Savings
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
140 W 800 N, Orem, UT 84057
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%
140 W 800 N, Orem, UT 84057
Way2Save Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
140 W 800 N, Orem, UT 84057
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.
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
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT 84106
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%
3675 S 900 E, Salt Lake City, UT 84106
YoungInvestor Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT 84106
Tier 2 YoungInvestor Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
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
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT 84106
Tier 3 YoungInvestor Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT 84025
ROTH IRA SHARE
2.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT 84025
TRAD IRA SHARE
2.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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 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 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 Orem, 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 Orem, 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 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 savings rates change in Orem, 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 Orem, 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 Orem, Utah?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Orem, Utah offer in-person customer service, which some customers prefer.
How do I open a savings account in Orem, 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 Orem, Utah
Here are recent savings rates observed in Orem, Utah and the surrounding area:
- LimeLight Bank
High-Yield Savings Account — 3.90% APY - UTAH COMMUNITY
Money Market Savings — 3.55% APY - Deseret First Federal Credit Union
Mission Savings Fund — 3.50% APY - Central Bank Provo, UT
YOUth Smart Savings Account (Ages 0-18) — 2.52% APY - Bank of Utah
Health Savings Account — 0.32% APY
Savings 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: March 20, 2026
