Best Money Market Rates in Utah (UT) - May 2026
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Brian McKay
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The 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.
Current Utah money market deposit account rates include Granite Federal Credit UnionGranite Federal Credit Union3675 S 900 E, Salt Lake City, UT 84106A+5.0 ★Texas Ratio: 2.83% Business Builder Money Market at 4.00% APY, Utah First Federal Credit UnionUtah First Federal Credit Union200 E South Temple, Salt Lake City, UT 84111A+5.0 ★Texas Ratio: 2.03% Money Market at 3.90% APY, America First Federal Credit UnionAmerica First Federal Credit Union4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621A5.0 ★Texas Ratio: 8.12% Money Market at 3.90% APY, Deseret First Federal Credit UnionDeseret First Federal Credit Union3999 W Parkway Blvd, West Valley City, UT 84120A5.0 ★Texas Ratio: 7.12% Business Money Market at 3.85% APY, and Education 1st Credit UnionEducation 1st Credit Union1250 Country Hills Dr, Ogden, UT 84403 2560A+5.0 ★Texas Ratio: 1.13% Money Market Account at 3.85% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Utah side-by-side. Utah money market rates currently reach as high as 4.00% APY from Granite Federal Credit Union at 3675 S 900 E, Salt Lake City, UT 84106. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Utah and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Utah
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT 84106
Business Builder Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
Money Market
3.90%
$0
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT 84111
Money Market
3.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT 84106
Business Money Market Checking
3.90%
$0
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT 84403 2560
Money Market Account
3.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts Loyalty
3.85%
$0
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts
3.85%
$0
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Business Money Market
3.85%
$0
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT 84403 2560
Money Market Account
3.80%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.64%
1868 S 500 W, Woods Cross, UT 84010
Personal Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT 84403 2560
Money Market Account
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT 84106
Business Money Market Checking
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
Money Market
3.70%
$0
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 12, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Account
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Money market
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT 84066
Elevation Climber Money Market
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
>$250,000.00
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT 84066
Elevation Climber Money Market Tier 5
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
>$250,000.00
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$15,000+
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT 84106
Business Money Market Checking
3.50%
$0
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT 84111
Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
Money Market
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Business Money Market
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts Loyalty
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Money Market Account
3.38%
$0
▼
Rate3.32%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
more than $1M
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
Money Market
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Business Money Market
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts Loyalty
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Account
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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—
UpdatedMay 12, 2026
Details
TAB Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $1,000,000.00
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT 84663
Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Money market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT 84010
Money Market Savings
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
On balances of $25,000+
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
k Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$250
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
675 E 100 N, Price, UT 84501
Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT 84627
Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT 84403 2560
Money Market Account
2.80%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT 84066
Elevation Climber Money Market Tier 4
2.78%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 - $249,999.99
Kings Peak Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.23%
180 N 300 E, Roosevelt, UT 84066
Elevation Climber Money Market
2.78%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 - $249,999.99
Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3675 S 900 E, Salt Lake City, UT 84106
Business Money Market Checking
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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
Money Market Accounts
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000+
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
96 E Center St, Springville, UT 84663
Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Money Market Account
2.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT 84111
Money Market
2.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Money Market Accounts Loyalty
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
225 S 200 W, Farmington, UT 84025
MONEY MARKET
2.60%
$2,000
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
3999 W Parkway Blvd, West Valley City, UT 84120
Business Money Market
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
Money Market
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT 84120
Money Market
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT 84120
Money Market Checking
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Utah Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT 84627
Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Money Market Plus - Personal & Business
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
k Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$100
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Money Market Account
2.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $999,999.99
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
k Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$25
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Money Market Plus - Personal & Business
1.80%
$0
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Money Market Account
1.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $249,999.99
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Money Market Plus - Personal & Business
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Money Market Plus - Personal & Business
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Money Market Account
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100K to $1M
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Money Market Plus - Personal & Business
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
Money Market Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
k Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$2.5
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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. Rates reflect recent market quotes and representative offers available to depositors in Utah and the surrounding area.
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.
Utah Money Market Rate Trends
Compare local Utah money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — UT Avg
2.929%
▼ 0.094 vs 7 days ago
Utah high-yield MMA rates fell 0.094 points over the past 7 days to 2.929% APY.
Standard MMA — UT Avg
1.187%
▼ 0.119 vs 7 days ago
Utah standard MMA rates fell 0.119 points over the past 7 days to 1.187% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for 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 money market 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 Utah. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in UT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Utah
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Utah.
Are Money Market accounts in 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 MMA rates change in Utah?
Money market 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.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Utah?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Utah require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Utah
Here are some of the highest money market account APYs currently available in Utah:
- Granite Federal Credit Union
Business Builder Money Market — 4.00% APY - Utah First Federal Credit Union
Money Market — 3.90% APY - America First Federal Credit Union
Money Market — 3.90% APY - Deseret First Federal Credit Union
Business Money Market — 3.85% APY - Education 1st Credit Union
Money Market Account — 3.85% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Utah. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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