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Utah Savings Rate Trends

Roy, Utah (UT) Savings Rates - March 2026

The best savings rates for Roy, Utah and the surrounding area include Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union5770 S Missile Way BLDG 5, Roy, UT 84067A5.0 ★Texas Ratio: 8.91% Regular Savings at 0.35% APY, Bank of UtahBank of Utah5729 S 1900 W, Roy, UT 84067A+5.0 ★Texas Ratio: 0.00% Health Savings Account at 0.32% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union5627 S 2050 W, Roy, UT 84067A+5.0 ★Texas Ratio: 2.10% Secondary Shares at 0.05% APY, America First Federal Credit UnionAmerica First Federal Credit Union4051 S 1900 W Bldg 5, Roy, UT 84067A5.0 ★Texas Ratio: 8.12% Share Savings at 0.05% APY, and 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.

To see how these savings rates in Roy, 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 Roy, Utah (UT) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Roy, Utah and the surrounding area. Last Updated and Verified: March 20, 2026

Roy, UT Savings Rate Trends

Compare local Roy, 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.

View Full Utah Savings Trends →
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
1.400%
▲ 0.950 from last week

Utah standard savings rates rose 0.950 points this week to 1.400% APY, up from 0.450% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Roy, Utah & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, Roy, UT 84067
Regular Savings
0.35%
$5
Rate0.35%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, Roy, UT 84067
YOUth Education Savings
0.35%
$5
Rate0.35%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, Roy, UT 84067
YOUth Launch Savings
0.35%
$5
Rate0.35%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5729 S 1900 W, Roy, UT 84067
Health Savings Account
0.32%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5729 S 1900 W, Roy, UT 84067
Health Savings Account
0.17%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
5627 S 2050 W, Roy, UT 84067
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%
5627 S 2050 W, Roy, UT 84067
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%
5627 S 2050 W, Roy, UT 84067
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%
4051 S 1900 W Bldg 5, Roy, UT 84067
Share Savings
0.05%
$1
Rate0.05%
Min Deposit$1
Min Balance
UpdatedMar 17, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5729 S 1900 W, Roy, UT 84067
Health Savings Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 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

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

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
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
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 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 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

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

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
Retirement High-Yield Savings
4.00%
$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

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

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 11, 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

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 15, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
1868 S 500 W, Woods Cross, UT 84010
Savings Account
3.75%
$0
Rate3.69%
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

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

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

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

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

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

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

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

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

Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT 84020
Personal High-Yield Savings Accounts
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 15, 2026
Details

Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.54%
200 W Civic Center Dr, Sandy, UT 84070
Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.54%
200 W Civic Center Dr, Sandy, UT 84070
IRA Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

on all balance tiers

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, Municipal
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, Consumer
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

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
LevelUp Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Standard Rate

Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT 84020
K-12 High-Yield Savings Accounts
2.99%
$0
Rate0.00%
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
K-12 High-Yield Savings Accounts
2.60%
$0
Rate0.00%
Min Deposit$0
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
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

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

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

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT 84120
IRA Savings
2.52%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
Apprentice Tuition Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
Bonus Savings
2.50%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

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.

Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
196 North Main, Huntington, UT 84528
IRA Shares
2.27%
$100
Rate2.25%
Min Deposit$100
Min Balance
UpdatedMar 13, 2026
Details

Withdrawals: IRA Restrictions

North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Share Savings
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

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.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Roy, 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 Roy, 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 Roy, 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 Roy, 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 Roy, 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 Roy, 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 Roy, Utah?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Roy, Utah offer in-person customer service, which some customers prefer.

How do I open a savings account in Roy, 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 Roy, Utah

Here are recent savings rates observed in Roy, Utah and the surrounding area:
  • Northrop Grumman Federal Credit Union
    Regular Savings — 0.35% APY
  • Bank of Utah
    Health Savings Account — 0.32% APY
  • Goldenwest Federal Credit Union
    Secondary Shares — 0.05% APY
  • America First Federal Credit Union
    Share Savings — 0.05% APY
  • Cyprus Federal Credit Union
    Dream Round Up Savings — 10.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Roy, Utah. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026