Payson, 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 Payson, Utah and the surrounding area include Nebo Credit UnionNebo Credit Union201 E 100 N, Payson, UT 84651A+5.0 ★Texas Ratio: 4.02% Dream Round Up Savings at 10.00% APY, UTAH COMMUNITYUTAH COMMUNITY1012 W 800 S, Payson, UT 84651C3.8 ★Texas Ratio: 29.46% Share Savings Account at 3.55% APY, Central Bank Provo, UTCentral Bank Provo, UT182 N Main St, Payson, UT 84651A+5.0 ★Texas Ratio: 0.40% YOUth Smart Savings Account (Ages 0-18) at 2.52% APY, Pacific Horizon Credit UnionPacific Horizon Credit Union191 S 100 W, Payson, UT 84651C4.0 ★Texas Ratio: 27.08% Second Savings at 0.10% APY, and Goldenwest Federal Credit UnionGoldenwest Federal Credit Union824 W 800 S, Payson, UT 84651A+5.0 ★Texas Ratio: 2.10% Health Savings Account at 0.05% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Payson, 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 Payson, Utah (UT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Payson, Utah and the surrounding area. Last Updated and Verified: March 24, 2026
Compare the Best Savings Rates in Payson, Utah & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT 84651
Dream Round Up Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Share Savings Account
3.55%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Money Market Savings
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Share Savings Account
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Money Market Savings
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
182 N Main St, Payson, UT 84651
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%
1012 W 800 S, Payson, UT 84651
Money Market Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Share Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT 84651
IRA Shares
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Share Savings Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Money Market Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT 84651
IRA Shares
1.55%
$0
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Money Market Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Share Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Money Market Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Share Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT 84651
IRA Shares
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT 84651
IRA Shares
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Money Market Savings
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Share Savings Account
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Money Market Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Share Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
182 N Main St, Payson, UT 84651
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%
182 N Main St, Payson, UT 84651
Business Savings
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%
182 N Main St, Payson, UT 84651
Personal Statement Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
191 S 100 W, Payson, UT 84651
Second Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
824 W 800 S, Payson, UT 84651
Health Savings Account
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%
824 W 800 S, Payson, UT 84651
Primary Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
818 Highway 198, Payson, UT 84651
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.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1322 W Turf Farm Way, Payson, UT 84651 6500
Youth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
824 W 800 S, Payson, UT 84651
Secondary Shares
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%
967 S Turf Farm Rd, Payson, UT 84651
Share Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 17, 2026
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT 84651
IRA Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
201 E 100 N, Payson, UT 84651
Regular Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
818 Highway 198, Payson, UT 84651
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%
818 Highway 198, Payson, UT 84651
Savings accounts
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1322 W Turf Farm Way, Payson, UT 84651 6500
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%
1012 W 800 S, Payson, UT 84651
Share Savings Account
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Regular Business Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
1012 W 800 S, Payson, UT 84651
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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
High-Yield Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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; Qualify to earn 5.00% Annual Percentage Yield (APY) on up to $5,000
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
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 22, 2026
Details
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 22, 2026
Details
Qualifying balance up to $5,000.00
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
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*
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
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
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
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
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%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 23, 2026
Details
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
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
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
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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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.
Payson, UT Savings Rate Trends
Compare local Payson, 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
0.312%
▼ 3.034 from last week
Utah high-yield savings rates fell 3.034 points this week to 0.312% APY, down from 3.346% last week.
Standard Savings — UT Avg
1.218%
▲ 0.785 from last week
Utah standard savings rates rose 0.785 points this week to 1.218% APY, up from 0.433% last week.
As of Mar 24, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Payson, 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 Payson, 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 Payson, 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 Payson, 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 Payson, 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 Payson, 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 Payson, Utah?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Payson, Utah offer in-person customer service, which some customers prefer.
How do I open a savings account in Payson, 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 Payson, Utah
Here are recent savings rates observed in Payson, Utah and the surrounding area:
- Nebo Credit Union
Dream Round Up Savings — 10.00% APY - UTAH COMMUNITY
Share Savings Account — 3.55% APY - Central Bank Provo, UT
YOUth Smart Savings Account (Ages 0-18) — 2.52% APY - Pacific Horizon Credit Union
Second Savings — 0.10% APY - Goldenwest Federal Credit Union
Health Savings Account — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Payson, Utah. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 24, 2026
