St George, Utah Savings Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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St George, Utah savings account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of November 12, 2026. The best savings rates for St George, Utah and the surrounding area include Cyprus Federal Credit UnionCyprus Federal Credit Union1450 S River Rd, St George, UT 84790 1281A+5.0 ★Texas Ratio: 2.73%Real return: +1.30%APY minus 3.7% CPIRate verified Nov 8, 2026 Teen Learn & Earn Savings at 5.00% APY, Deseret First Federal Credit UnionDeseret First Federal Credit Union616 S River Rd, St George, UT 84790 2104A5.0 ★Texas Ratio: 6.76%Real return: +0.40%APY minus 3.7% CPIRate verified Nov 8, 2026 Mission Savings Fund - Loyalty at 4.10% APY, America First Federal Credit UnionAmerica First Federal Credit Union1564 W Sunset Blvd, St George, UT 84770 7283A5.0 ★Texas Ratio: 8.33%Real return: +0.20%APY minus 3.7% CPIRate verified Nov 8, 2026 Business Money Market Savings at 3.90% APY, Wells FargoWells Fargo1 S Main St, St George, UT 84770A+5.0 ★Texas Ratio: 5.36%Real return: -0.20%APY minus 3.7% CPIRate verified Nov 11, 2026 Platinum Savings at 3.50% APY, and Utah First Federal Credit UnionUtah First Federal Credit Union2111 E Riverside Dr, St George, UT 84790A+5.0 ★Texas Ratio: 1.01%Real return: -2.95%APY minus 3.7% CPIRate verified Nov 12, 2026 IRA Share at 0.75% APY.
St George has 42 local institutions in our database, with savings rates as high as 5.00% APY from Cyprus Federal Credit Union at 1450 S River Rd, St George, UT 84790 1281. Use the table below to compare all available offers, including options from institutions serving the broader Utah area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in St George, Utah and the surrounding area. Last Updated and Verified: November 12, 2026
Compare the Best Savings Rates in St George, Utah & Surrounding Communities
Balance: $0.00 to $1,000.00; Qualifying balance up to $1,000.00
Balance: $0-$15,000
Balance: $1,000,000 and over
Balance: $0-$15,000
Balance: $25,000 or more; CA Bay Area counties only; New Wells Fargo savings customers only; requires $25,000 within 30 days of opening; balance $0-$24,999.99 earns standard or relationship rates; avoid $12 monthly service fee with $3,500 minimum daily balance
- Nov 11, 20263.50%▲ from 3.25%
- Oct 14, 20263.25%first recorded
Balance: $250,000 - $999,999.99
Balance: $100,000-$1,000,000
Balance: $100,000 - $249,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000.00 and over; Declared, paid and compounded monthly
Balance: $10,000-$99,999
Balance: $25,000 - $49,999.99
Balance: $25,000.00 to $49,999.99; Declared, paid and compounded monthly
Balance: $10,000 - $24,999.99
Balance: $10,000.00 to $24,999.99; Declared, paid and compounded monthly
- Oct 19, 20261.10%▲ from 1.00%
- Sep 14, 20261.00%first recorded
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.
St George, UT Savings Rate Trends
Compare local St George, UT savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Utah high-yield savings rates rose 0.020 points over the past 7 days to 3.278% APY, up from 3.258%.
Utah standard savings rates fell 0.022 points over the past 7 days to 1.341% APY, down from 1.363%.
St George, Utah Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current UT high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current UT high-yield savings average of 3.278% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in St George, Utah.
Savings Account Earnings in St George, Utah
Annual interest earnings at current UT average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (3.278% APY) | Monthly Earnings | Standard Savings (1.341% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $163.89 / year | $13.66 | $67.05 / year | $5.59 |
| $10,000 | $327.77 / year | $27.31 | $134.11 / year | $11.18 |
| $25,000 | $819.43 / year | $68.29 | $335.28 / year | $27.94 |
| $50,000 | $1,638.85 / year | $136.57 | $670.55 / year | $55.88 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: St George, Utah savings rate averages as of November 12, 2026. | ||||
About Our St George, Utah Savings Rate Database
MonitorBankRates found 7 institutions with branches in St George (2 banks, 5 credit unions), plus 21 additional state-chartered and national online institutions available to St George residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Cyprus Federal Credit Union offers a savings account at 5.00% APY. Use the rate table above to compare all current offers in St George, Utah.
How to Find the Best Savings Rates in St George, Utah
What to compare when shopping for a savings account in St George, Utah
To find the best savings APYs in St George, Utah, start with credit unions and online-only banks: St George, Utah has 7 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current UT high-yield savings average is 3.278% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. St George, Utah high-yield savings rates currently average 3.278% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at St George, Utah institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 28 institutions in St George, Utah report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return St George, Utah CD rates
- You want check-writing flexibility St George, Utah money market rates
- You need daily transaction access St George, Utah checking rates
Utah Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
11.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy with solid savings capacity. At today’s UT high-yield savings average of 3.278%, saving 10% of the local median salary ($4,371/year) would earn an additional $143 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other St George, Utah Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in St George, Utah.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current UT Avg APY | 3.278% | 1.341% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects St George, Utah averages tracked in our database as of November 12, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for St George, Utah
At UT’s top rate of 5.00% from Cyprus Federal Credit Union, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median St George, Utah earner is roughly $10,900. At 3.278% APY, saving $910/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsUtah’s high-yield savings average is 3.278% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median St George, Utah earner makes $43,714/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.278% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 3.278% APY grows to roughly $47,651 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our St George, Utah savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for St George, 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 St George, 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 St George, Utah
What are savings account rates in St George, Utah today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in St George, Utah safe?
How often do savings rates change in St George, Utah?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in St George, Utah?
How do I open a savings account in St George, Utah?
Best Savings Rates in St George, Utah
- Cyprus Federal Credit Union
Teen Learn & Earn Savings: 5.00% APY - Deseret First Federal Credit Union
Mission Savings Fund - Loyalty: 4.10% APY - America First Federal Credit Union
Business Money Market Savings: 3.90% APY - Wells Fargo
Platinum Savings: 3.50% APY - Utah First Federal Credit Union
IRA Share: 0.75% APY
St George, Utah Rates & Resources
