Highest Savings Rates in Utah
16 Utah-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Utah Rate:5.00% APYFDIC or NCUA Insured

The Utah market

Utah accounts

Institutions

Top Utah APY

5.00% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

16 savings accounts are open only to Utah residents, from 11 institutions. The highest advertised APY among them is 5.00%.

The highest nationally available rate is 5.00% APY, the same as the Utah leader.

11 of the 16 Utah savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Utah-Specific Savings Accounts

These savings accounts are specifically available to Utah residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	Austin Capital Bank SSB Fort Knox Savings 4.13%APY Observed: Oct 13, 2026 Show Details	+$413per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#2	PNC PNC High Yield Savings 3.15%APY Min. balance: $1 Observed: Oct 13, 2026 Show Details	+$315per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$0
#3	Citibank Citi Accelerate Savings 3.00%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$300per year	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$0
#4	Gateway First Bank Gateway High Yield Savings 2.35%APY Observed: Oct 7, 2026 Show Details	+$235per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#5	Thrivent Bank Savings Pockets 1.00%APY Observed: Oct 7, 2026 Show Details	+$100per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Requires Linked Account Features No Minimums	N/A
#6	Grand Valley Bank Regular Savings Up to1.45%APY Needs at least $250,000 No min. balance for APY Observed: Oct 7, 2026 Show Details	+$55per yearEffective: 0.55%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#7	Gateway First Bank Personal Savings 0.50%APY Observed: Oct 7, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$10
#8	Thrivent Bank Thrivent Savings 0.50%APY Observed: Oct 7, 2026 Show Details	+$50per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No Minimums	N/A
#9	WaFd Bank Start Savings Up to5.00%APY On balances up to $500 · 2.50% above No min. balance for APY Observed: Oct 12, 2026 Show Details	+$10per yearEffective: 0.10%	Deposit Insurance FDIC Insured Requires Linked Account Features Low MinimumsIn-Person Access	$25
#10	WaFd Bank Savings 0.10%APY Min. balance: $100 Observed: Oct 12, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#11	Bank of America Advantage Savings 0.04%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$4per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$100
#12	UMB Bank, National Association UMB Savings 0.02%APY Observed: Oct 13, 2026 Show Details	+$2per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#13	Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$100
#14	BMO Bank Savings Builder 0.01%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25

Austin Capital Bank SSB

Fort Knox Savings

+$413

per year

4.13% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58082)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteAustin Capital Bank SSB

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

PNC

PNC High Yield Savings

+$315

per year

3.15% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$1
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Branches	Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit Insurance	FDIC Insured(Cert: 6384)
Eligibility	AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY
Zelle®	SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings	iOS:4.8 Android:4.4
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePNC

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Citibank

Citi Accelerate Savings

+$300

per year

3.00% APY

Oct 13, 2026

FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$4.50. Waived for average monthly balances > $500
Compound Freq	Daily
Direct Deposit	Not required
Branches	U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit Insurance	FDIC Insured(Cert: 7213)
Eligibility	Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®	SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings	iOS:4.9 Android:4.8
BBB Rating	D-(Not BBB Accredited)

Rate Stability

Rate Increased

+0.20%

Since 30 days ago

Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Gateway First Bank

Gateway High Yield Savings

+$235

per year

2.35% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15118)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Thrivent Bank

Savings Pockets

+$100

per year

1.00% APY

Oct 7, 2026

FDIC InsuredLinked AccountNo Minimums

What to Watch

Opened as part of a Thrivent Money account, which also includes the Thrivent Money Spend checking account.

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 59286)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteThrivent Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Grand Valley Bank

Regular Savings

+$55

per year

1.45% APY

Oct 7, 2026

Needs at least $250,000

APY Range: 0.55% – 1.45%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 24922)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteGrand Valley Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Gateway First Bank

Personal Savings

+$50

per year

0.50% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$10
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15118)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Thrivent Bank

Thrivent Savings

+$50

per year

0.50% APY

Oct 7, 2026

FDIC InsuredNo Minimums

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 59286)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteThrivent Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

WaFd Bank

Start Savings

+$10

per year

5.00% APY

Oct 12, 2026

On balances up to $500 · 2.50% above

APY Range: 0.10% – 5.00%

FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Needs a WaFd checking account to open. Interest is blended: the highest rate applies only to the first $500, and the portion above $1,000 earns the lowest rate.

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28088)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteWaFd Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

WaFd Bank

Savings

+$10

per year

0.10% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$100
Maintenance Fee	$100 minimum balance to waive $10 monthly service charge
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28088)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteWaFd Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

Bank of America

Advantage Savings

+$4

per year

0.04% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$8
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3510)
Eligibility	United States
Zelle®	SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

UMB Bank, National Association

UMB Savings

+$2

per year

0.02% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The listed rate is for accounts opened online and may vary by region.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8273)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteUMB Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

Bank of America

Advantage Relationship Banking

+$1

per year

0.02% APY

Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3510)
Eligibility	United States
Zelle®	SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

BMO Bank

Savings Builder

+$1

per year

0.01% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 16571)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBMO Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Utah.

Institution	Product / Term	APY	Min. Deposit
Axos Bank	Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate	Up to5.00%	$0
GO2bank	High Yield Savingsfirst $5,000 only · needs a linked account at the bank	Up to4.50%	$0
Elevault	High Yield Savings Account	4.34%	$0
Peak Bank	Envision High Yield Savingsup to $499,999.99 only	4.27%	$100
Betterment	Cash Reservepromotional rate	Up to4.25%	$0
Neighbors Bank	Neighbors Savings Account	4.25%	$0
Pibank	Pibank Savings	4.25%	$0
EverBank	Performance Savings	4.20%	$0

See the full national list