Provo, 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 Provo, Utah and the surrounding area include LimeLight BankLimeLight Bank3280 N University Ave, Provo, UT 84604A5.0 ★Texas Ratio: 12.00% High-Yield Savings Account at 3.90% APY, UTAH COMMUNITYUTAH COMMUNITY360 W 4800 N, Provo, UT 84604C3.8 ★Texas Ratio: 29.46% Money Market Savings at 3.55% APY, Freedom Credit UnionFreedom Credit Union815 N Freedom Blvd, Provo, UT 84604 3315A+5.0 ★Texas Ratio: 0.27% High Yield Savings at 3.50% APY, Central Bank Provo, UTCentral Bank Provo, UT75 N University Ave, Provo, UT 84601A+5.0 ★Texas Ratio: 0.40% YOUth Smart Savings Account (Ages 0-18) at 2.52% APY, and Utah First Federal Credit UnionUtah First Federal Credit Union310 N 100 W, Provo, UT 84601A+5.0 ★Texas Ratio: 2.03% IRA Share at 0.75% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Provo, 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 Provo, Utah (UT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Provo, Utah and the surrounding area. Last Updated and Verified: March 24, 2026
Compare the Best Savings Rates in Provo, 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%
3280 N University Ave, Provo, UT 84604
High-Yield Savings Account
3.90%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 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 22, 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 22, 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
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 22, 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 22, 2026
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
75 N University Ave, Provo, UT 84601
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%
360 W 4800 N, Provo, UT 84604
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%
360 W 4800 N, Provo, UT 84604
Share Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
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%
360 W 4800 N, Provo, UT 84604
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%
360 W 4800 N, Provo, UT 84604
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%
360 W 4800 N, Provo, UT 84604
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%
360 W 4800 N, Provo, UT 84604
Share Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
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%
360 W 4800 N, Provo, UT 84604
Share Savings Account
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
310 N 100 W, Provo, UT 84601
IRA Share
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
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%
360 W 4800 N, Provo, UT 84604
Share Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3670 N University Ave, Provo, UT 84604
Health Savings Account
0.32%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
310 N 100 W, Provo, UT 84601
Health Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3670 N University Ave, Provo, UT 84604
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%
75 N University Ave, Provo, UT 84601
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%
75 N University Ave, Provo, UT 84601
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%
75 N University Ave, Provo, UT 84601
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT 84604 3315
IRA Shares
0.15%
$1,000
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 23, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
310 N 100 W, Provo, UT 84601
Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
109 W 920 S, Provo, UT 84601
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT 84604 3315
Regular & Aux Shares
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 23, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
86 N University Ave, Provo, UT 84601
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
88 N 500 W, Provo, UT 84601 2616
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%
88 N 500 W, Provo, UT 84601 2616
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%
88 N 500 W, Provo, UT 84601 2616
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%
109 W 920 S, Provo, UT 84601
Youth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1400 N State St, Provo, UT 84604
Share Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 17, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
310 N 100 W, Provo, UT 84601
Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
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%
360 W 4800 N, Provo, UT 84604
Regular 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%
360 W 4800 N, Provo, UT 84604
Regular Business Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
86 N University Ave, Provo, UT 84601
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
86 N University Ave, Provo, UT 84601
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
86 N University Ave, Provo, UT 84601
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
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
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 24, 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
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
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
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 21, 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 21, 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
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
196 North Main, Huntington, UT 84528
Money Master Shares Tier 4
2.53%
$50,000
▼
Rate2.50%
Min Deposit$50,000
Min Balance—
UpdatedMar 13, 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.
Provo, UT Savings Rate Trends
Compare local Provo, 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 Provo, 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 Provo, 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 Provo, 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 Provo, 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 Provo, 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 Provo, 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 Provo, Utah?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Provo, Utah offer in-person customer service, which some customers prefer.
How do I open a savings account in Provo, 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 Provo, Utah
Here are recent savings rates observed in Provo, Utah and the surrounding area:
- LimeLight Bank
High-Yield Savings Account — 3.90% APY - UTAH COMMUNITY
Money Market Savings — 3.55% APY - Freedom Credit Union
High Yield Savings — 3.50% APY - Central Bank Provo, UT
YOUth Smart Savings Account (Ages 0-18) — 2.52% APY - Utah First Federal Credit Union
IRA Share — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Provo, Utah. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 24, 2026
