Sandy, 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 Sandy, Utah and the surrounding area include Cyprus Federal Credit UnionCyprus Federal Credit Union9383 S 700 E, Sandy, UT 84070A+5.0 ★Texas Ratio: 2.42% Dream Round Up Savings at 10.00% APY, Granite Federal Credit UnionGranite Federal Credit Union9383 S 700 E, Sandy, UT 84070 6202A+5.0 ★Texas Ratio: 2.83% Tier 1 YoungInvestor Savings at 5.00% APY, LimeLight BankLimeLight Bank9080 S Village Shop Dr, Sandy, UT 84094A5.0 ★Texas Ratio: 12.00% High-Yield Savings Account at 3.90% APY, UTAH COMMUNITYUTAH COMMUNITY10692 S State St, Sandy, UT 84070C3.8 ★Texas Ratio: 29.46% Money Market Savings at 3.55% APY, and Deseret First Federal Credit UnionDeseret First Federal Credit Union9325 S Village Shop Dr, Sandy, UT 84094 7719A5.0 ★Texas Ratio: 7.12% Mission Savings Fund at 3.50% APY.
To see how these savings rates in Sandy, 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 Sandy, Utah (UT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Sandy, Utah and the surrounding area. Last Updated and Verified: March 20, 2026
Sandy, UT Savings Rate Trends
Compare local Sandy, 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
1.400%
▲ 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 Sandy, Utah & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
9383 S 700 E, Sandy, UT 84070
Dream Round Up Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
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%
9383 S 700 E, Sandy, UT 84070 6202
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%
9383 S 700 E, Sandy, UT 84070 6202
Tier 2 YoungInvestor Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
9080 S Village Shop Dr, Sandy, UT 84094
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%
10692 S State St, Sandy, UT 84070
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%
10692 S State St, Sandy, UT 84070
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%
9325 S Village Shop Dr, Sandy, UT 84094 7719
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%
10692 S State St, Sandy, UT 84070
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%
10692 S State St, Sandy, UT 84070
Share Savings Account
3.30%
$0
▼
Rate3.25%
Min Deposit$0
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
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
9383 S 700 E, Sandy, UT 84070 6202
Tier 3 YoungInvestor Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
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%
10692 S State St, Sandy, UT 84070
Share Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Business Money Market and Savings
2.47%
$2,500
▼
Rate2.45%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Business Money Market and Savings
2.22%
$2,500
▼
Rate2.20%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Personal Money Market and Savings
2.07%
$2,500
▼
Rate2.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Business Money Market and Savings
2.07%
$2,500
▼
Rate2.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Share Savings Account
2.02%
$25
▼
Rate2.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
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
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
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%
10692 S State St, Sandy, UT 84070
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%
10692 S State St, Sandy, UT 84070
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%
10692 S State St, Sandy, UT 84070
Share Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Share Savings
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Companion Savings
1.07%
$0
▼
Rate1.06%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
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%
10692 S State St, Sandy, UT 84070
Share Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Share Savings
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
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%
10692 S State St, Sandy, UT 84070
Money Market Savings
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT 84094
IRA Share
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Share Savings
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Personal Money Market and Savings
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
11015 S State St, Sandy, UT 84070
Business Money Market and Savings
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Share Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Money Market Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT 84070
Retirement (IRA) Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9320 S State St, Sandy, UT 84070
Health Savings Account
0.32%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Regular Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Christmas Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Special Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT 84094
Health Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Regular Shares
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
9325 S Village Shop Dr, Sandy, UT 84094 7719
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%
9320 S State St, Sandy, UT 84070
Health Savings Account
0.17%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
IRA Savings
0.15%
$50
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
IRA Regular Shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
Regular Shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT 84070
Youth Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT 84070
Business Savings
0.12%
$0
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT 84070
GoldStar® Savings
0.12%
$0
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT 84070
Regular Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Fees could reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change quarterly for Share Savings.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
9213 S Quarry Bend Dr, Sandy, UT 84094
Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
8621 S 700 E, Sandy, UT 84070
Club Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
WILD Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Regular Share Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
10692 S State St, Sandy, UT 84070
Regular Business 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%
10692 S State St, Sandy, UT 84070
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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 Sandy, 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 Sandy, 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 Sandy, 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 Sandy, 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 Sandy, 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 Sandy, 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 Sandy, Utah?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Sandy, Utah offer in-person customer service, which some customers prefer.
How do I open a savings account in Sandy, 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 Sandy, Utah
Here are recent savings rates observed in Sandy, Utah and the surrounding area:
- Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - Granite Federal Credit Union
Tier 1 YoungInvestor Savings — 5.00% APY - 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
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sandy, Utah. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
