Taylorsville, Utah Savings Rates - October 2026
Brian McKay
Brian McKay
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Taylorsville, Utah savings account rates range from 0.01% to 5.10% APY, verified by MonitorBankRates as of October 12, 2026. The best savings rates for Taylorsville, Utah and the surrounding area include Cyprus Federal Credit UnionCyprus Federal Credit Union3578 W 4700 S, Taylorsville, UT 84129A+5.0 ★Texas Ratio: 2.73%Real return: +2.20%APY minus 2.8% CPI (February 2026) IRA Shares at 5.00% APY, Granite Federal Credit UnionGranite Federal Credit Union3109 W 4700 S, Taylorsville, UT 84129 2525A+5.0 ★Texas Ratio: 3.94%Real return: +2.20%APY minus 2.8% CPI (February 2026) YoungInvestor Savings at 5.00% APY, Deseret First Federal Credit UnionDeseret First Federal Credit Union3225 W 4700 S, Taylorsville, UT 84129A5.0 ★Texas Ratio: 6.76%Real return: +1.30%APY minus 2.8% CPI (February 2026) Mission Savings Fund at 4.10% APY, America First Federal Credit UnionAmerica First Federal Credit Union2715 W 5400 S, Taylorsville, UT 84129A5.0 ★Texas Ratio: 8.33%Real return: +1.10%APY minus 2.8% CPI (February 2026) BUSINESS MONEY MARKET SAVINGS at 3.90% APY, and HERCULES FIRSTHERCULES FIRST3141 W 4700 S, Taylorsville, UT 84129 2525A5.0 ★Texas Ratio: 9.04%Real return: -1.29%APY minus 2.8% CPI (February 2026) Money Fund Savings at 1.51% APY.
Taylorsville has 42 local institutions in our database, with savings rates as high as 5.00% APY from Cyprus Federal Credit Union at 3578 W 4700 S, Taylorsville, UT 84129. 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 Taylorsville, Utah and the surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Savings Rates in Taylorsville, Utah & Surrounding Communities
Balance: $0.00 to $1,000.00
- Oct 9, 20265.00%▲ from 0.50%
- Sep 25, 20260.50%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $0.00 to $1,000.00
Balance: <$2,000
- Oct 5, 20265.00%▲ from 0.05%
- Sep 21, 20260.05%first recorded
Savings Amount: $0-$15,000
- Oct 9, 20264.10%▲ from 3.60%
- Sep 17, 20263.60%first recorded
Balance: $2,000-$5,000
Balance: $1,000,000 +
Savings Amount: $0-$15,000
Balance: $250,000 - $999,999.99
Balance: $5000.01-$10,000
Balance: $100,000-$1,000,000
Balance: $100,000 - $249,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000.00 and over
Balance: $10,000-$99,999
Balance: $25,000 - $49,999.99
Balance: $25,000.00 to $49,999.99
Balance: $10,000 - $24,999.99
Balance: $5,000 - $9,999.99
Balance: $10,000.00 to $24,999.99
Balance: $0.01 - $4,999.99
Balance: $0.00 to $2,499.99
- Sep 25, 20260.50%▲ from 0.05%
- Sep 14, 20260.05%first recorded
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.05%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.05%
- Sep 18, 20260.05%first recorded
Balance: $0+
** These interest rates apply to 0100, 0200 and 0300 account types ** Declared, paid and compounded monthly
Balance: $1,000.01 and over
Balance: $0.00 and over
Balance: $1,000.01 and over
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.02%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0+
Utah residents earn a total of 5.10% APY, combining our 4.10% variable base with a 1.00% Rebrand Boost through January 31, 2027. Non-Utah residents earn our 4.10% APY. The Rebrand Boost of 1.00% applies to the portion of your daily balance up to and including $500,000. The portion of your daily balance above $500,000 earns a 4.10% interest rate. Limit of six (6) withdrawals in a monthly statement cycle if the withdrawals are by check, debit card, or preauthorized, made by telephone, or made by an online or mobile transfer of funds.
- Oct 7, 20265.10%▲ from 4.00%
- Oct 2, 20264.00%▼ from 5.00%
- Sep 18, 20265.00%first recorded
Balance: $0 - $500. Checking account required to open
Save for a rewarding retirement with an IRA. Accounts are FDIC-insured with no hidden fees.
- Oct 7, 20264.50%▲ from 4.00%
- Oct 2, 20264.00%▼ from 4.40%
- Sep 18, 20264.40%first recorded
Balance: $10,000+; Earn 4.25% APY when you keep $10,000+ in savings - more than 11 the national average.3 Otherwise earn 1.00% APY.
- Sep 24, 20264.25%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Qualifications Required; LevelUp Rate applies when depositing $250+ per month (statement cycle); rate applied to full balance; Standard Rate of 3.00% APY otherwise
Earn LevelUp Rate on entire balance when you deposit $250+ per month; Standard Rate of 3.00% APY otherwise
- Sep 25, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Non-Utah residents earn our 4.10% APY. The interest rate and APY is variable and may change after account opening. The rate is not guaranteed for any period. Limit of six (6) withdrawals in a monthly statement cycle if the withdrawals are by check, debit card, or preauthorized, made by telephone, or made by an online or mobile transfer of funds.
- Oct 7, 20264.10%▲ from 4.00%
- Oct 2, 20264.00%▼ from 5.00%
- Sep 18, 20265.00%first recorded
Typically, earn interest at a higher rate than with a traditional savings account. Accelerate earnings, with flexible access to your money. Open with $100 or more, then boost your balance with online deposits.
- Oct 10, 20264.05%▲ from 4.00%
- Sep 27, 20264.00%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Build your retirement savings in a Traditional or Roth IRA. Get both the tax advantages of an IRA and a great savings rate. Save confidently for the future with an FDIC-insured account.
- Oct 10, 20264.05%▲ from 4.00%
- Sep 27, 20264.00%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Limited-time boost applies for up to 6 months after you open your account. Offer ends 10/31/26.
- Oct 10, 20264.01%▲ from 3.26%
- Oct 6, 20263.26%first recorded
Simple, high-yield savings earning up to 4.01% APY for up to 6 months.
- Oct 6, 20264.01%▲ from 3.75%
- Sep 30, 20263.75%first recorded
All Balances
Limited-time promotional rate on all balances for up to 6 months. Use promo code BOOST41.
- Sep 27, 20263.90%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Maximum deposit of $20,000,000. Funds are typically available same day when you need it. Qualifying Cash balances are calculated based on the prior day's ending Bank Deposit Program balance. Preferred Savings Program for Qualifying Cash is only available to brokerage accounts.
Earn 1.00% APY bonus for 3 months when you refer a friend. Standard APY may change at any time before or after account is opened. Maximum balance limits apply.
- Sep 18, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Balance: $0.01 - $2,500
All Balances
Balance: $0-$9,999.99
Balance: up to $10,000
Balance: $500.01 - $1000. Checking account required to open
Balance: $1,000,000+; Avoid $25 monthly service fee with $2,500 minimum
Balance: $500,000 - $999,999; Avoid $25 monthly service fee with $2,500 minimum
- Oct 4, 20262.22%▲ from 2.02%
- Sep 20, 20262.02%first recorded
Balance: $250,000 - $499,999; Avoid $25 monthly service fee with $2,500 minimum
- Oct 4, 20262.07%▲ from 1.76%
- Sep 20, 20261.76%first recorded
Minimum: $2,500 (Money Market) | $25 (Savings); Balance: $250,000+
Balance: $250,000 & over
- Oct 3, 20261.45%▲ from 1.35%
- Sep 14, 20261.35%first recorded
Published APY range: 1.07% - 0.64%; Published rate range: 1.06% - 0.64%. Balance: Interest paid on balances above $25,000
Qualifications Required: Receive deposits of at least $1,000 and keep accounts positive by the end of each month.; 1.00% APY on balances over $5,000
1.00% APY on every dollar when you open an online savings account with Varo and get more than twice the national average, plus no minimum deposit, savings limit, or monthly or annual fees.
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.
Taylorsville, UT Savings Rate Trends
Compare local Taylorsville, 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 0.285 points over the past 7 days to 3.121% APY, up from 2.836%.
Utah standard savings rates rose 0.018 points over the past 7 days to 1.251% APY, up from 1.234%.
Taylorsville, 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 3.121% 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 Taylorsville, Utah.
Savings Account Earnings in Taylorsville, 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 (3.121% APY) | Monthly Earnings | Standard Savings (1.251% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $156.04 / year | $13.00 | $62.57 / year | $5.21 |
| $10,000 | $312.08 / year | $26.01 | $125.13 / year | $10.43 |
| $25,000 | $780.20 / year | $65.02 | $312.83 / year | $26.07 |
| $50,000 | $1,560.40 / year | $130.03 | $625.65 / year | $52.14 |
| 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: Taylorsville, Utah savings rate averages as of October 13, 2026. | ||||
About Our Taylorsville, Utah Savings Rate Database
MonitorBankRates found 8 institutions with branches in Taylorsville (1 bank, 7 credit unions), plus 19 additional state-chartered and national online institutions available to Taylorsville 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 Taylorsville, Utah.
How to Find the Best Savings Rates in Taylorsville, Utah
What to compare when shopping for a savings account in Taylorsville, Utah
To find the best savings APYs in Taylorsville, Utah, start with credit unions and online-only banks: Taylorsville, 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 3.121% 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. Taylorsville, Utah high-yield savings rates currently average 3.121% 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 Taylorsville, Utah institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 27 institutions in Taylorsville, 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 Taylorsville, Utah CD rates
- You want check-writing flexibility Taylorsville, Utah money market rates
- You need daily transaction access Taylorsville, Utah checking rates
Taylorsville, Utah Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
13.5% of residents are 65 or older, below the national average of 17.3%. At today’s UT high-yield savings average of 3.121%, saving 10% of the local median salary ($4,375/year) would earn an additional $137 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Taylorsville, Utah Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Taylorsville, Utah.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current UT Avg APY | 3.121% | 1.251% | 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 Taylorsville, Utah averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Taylorsville, 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 Taylorsville, Utah earner is roughly $10,900. At 3.121% 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 3.121% 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 Taylorsville, Utah earner makes $43,750/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.121% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 3.121% APY grows to roughly $46,224 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 Taylorsville, 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 Taylorsville, 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 Taylorsville, 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 Taylorsville, Utah
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Taylorsville, Utah safe?
How often do savings rates change in Taylorsville, 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 Taylorsville, Utah?
How do I open a savings account in Taylorsville, Utah?
Best Savings Rates in Taylorsville, Utah
- Cyprus Federal Credit Union
IRA Shares: 5.00% APY - Granite Federal Credit Union
YoungInvestor Savings: 5.00% APY - Deseret First Federal Credit Union
Mission Savings Fund: 4.10% APY - America First Federal Credit Union
BUSINESS MONEY MARKET SAVINGS: 3.90% APY - HERCULES FIRST
Money Fund Savings: 1.51% APY
Taylorsville, Utah Rates & Resources
