Personal Savings Accounts in Utah

Personal Banking Savings

Personal Savings Accounts in Utah

Options for everyone to grow their savings.

  • Online & Mobile Banking
  • Convenient eStatements
  • Mobile Deposit
  • Competitive Rates
  • End of Year Reward Dividend

Membership required. APY = Average Percentage Yield

Basic Savings

Your savings account represents ownership & membership in the credit union.

  • $5.00 minimum deposit
  • Online & Mobile Banking

Regular Shares and Escrow Accounts

Minimum BalanceDividend RateAPY1
$50 - $9990.100%0.100%
$1,000 - $49,9990.100%0.100%
$50,000 and Greater0.100%0.100%
  1. 1. APY = annual percentage yield.

GoldStar® Shares

Minimum BalanceDividend RateAPY 1
$50 - $9990.125%0.125%
$1,000 - $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%
  1. 1. APY = annual percentage yield.
  2. 2. Additional requirements apply for Youth and GoldStar® accounts.
Get StartedLearn More

Youth Savings

It’s never too early to start developing good money management habits.

  • $5.00 minimum deposit
  • Good Grades Rewards

Youth Accounts (Kirby Kangaroo and Claim Your Youth)

Minimum Balance Dividend Rate APY 1
$50 - $999 0.150% 0.150%
$1,000 - $49,999 0.150% 0.150%
$50,000 and Greater 0.150% 0.150%
  1. 1. APY = annual percentage yield.
  2. 2. Additional requirements apply for Youth and GoldStar® accounts.
  3. 3. Each member is only allowed one primary share account. Minimum required account balance may be different than the minimum rate balance listed above.
Get StartedLearn More

Money Market

Earn higher interest than your regular savings account and keep your funds readily available.

  • $5.00 minimum deposit

Money Market

Minimum BalanceDividend RateAPY 1
$0 - $9990.000%0.000%
$1,000 - $4,9991.490%1.500%
$5,000 - $9,9991.588%1.600%
$10,000 - $24,9991.982%2.000%
$25,000 - $49,9992.227%2.250%
$50,000 - $99,9992.618%2.650%
$100,000 - $249,9993.203%3.250%
$250,000 and Greater3.929%4.000%
  1. 1. APY = annual percentage yield.
Get StartedLearn More

Share Certificates & IRA Certificates

For a secure investment and the highest return on your money.

  • Low Minimum Balance of $500 to Open Account
  • Variety of Share Certificate Terms Available
  • Dividends Paid Monthly
  • Competitive Rates

Regular, Youth, and IRA Certificates

TermMinimum BalanceDedicated Saver1
Minimum Balance		Dividend RateAPY 2
6 Months$500.00$5.005.175%5.300%
8 Months (Limited Time Special)4$500.00Not Applicable35.604%5.750%
10 Months (Limited Time Special)$500.00Not Applicable35.128%5.250%
12 Months$500.00$5.004.793%4.900%
18 Months$500.00$5.004.218%4.300%
24 Months$500.00$5.004.218%4.300%
36 Months$500.00$5.004.025%4.100%
48 Months$500.00$5.003.832%3.900%
60 Months$500.00$5.003.832%3.900%
  1. 1. Dedicated Saver Certificates require automatic transfer deposits of at least $5.00 monthly.
  2. 2. APY = annual percentage yield.
  3. 3. The 8 and 10 Month Special is only available on Regular Certificates, not Dedicated Saver Certificates.
  4. 4. New Money Only. 8 month special certificate must be funded by new deposits.

Regular, Youth, and IRA Jumbo Certificates

TermMinimum BalanceDividend RateAPY 1
6 Month Jumbo$100,000.005.271%5.400%
8 Month Jumbo (Limited Time Special) 2$100,000.005.604%5.750%
10 Month Jumbo (Limited Time Special)$100,000.005.128%5.250%
12 Month Jumbo$100,000.004.889%5.000%
18 Month Jumbo$100,000.004.314%4.400%
24 Month Jumbo$100,000.004.314%4.400%
36 Month Jumbo$100,000.004.121%4.200%
48 Month Jumbo$100,000.003.929%4.000%
60 Month Jumbo$100,000.003.929%4.000%
  1. 1. APY = annual percentage yield.
  2. 2. New Money Only. 8 month special certificate must be funded by new deposits.

GoldStar® Certificates and GoldStar® IRA Certificates

TermMinimum BalanceDedicated Saver1
Minimum Balance		Dividend RateAPY 2
6 Month GoldStar® 3$500.00$5.005.271%5.400%
8 Month GoldStar®
(Limited Time Special) 3 5		$500.00Not Applicable45.604%5.750%
10 Month GoldStar®
(Limited Time Special) 3		$500.00Not Applicable45.128%5.250%
12 Month GoldStar® 3$500.00$5.004.889%5.000%
18 Month GoldStar® 3$500.00$5.004.314%4.400%
24 Month GoldStar® 3$500.00$5.004.314%4.400%
36 Month GoldStar® 3$500.00$5.004.121%4.200%
48 Month GoldStar® 3$500.00$5.003.929%4.000%
60 Month GoldStar® 3$500.00$5.003.929%4.000%
  1. 1. Dedicated Saver Certificates require automatic transfer deposits of at least $5.00 monthly.
  2. 2. APY = annual percentage yield.
  3. 3. Requires membership in the GoldStar® Member Rewards Program.
  4. 4. The 8 and 10 Month Specials are only available on Regular Certificates, not Dedicated Saver Certificates.
  5. 5. New Money Only. 8 month special certificate must be funded by new deposits.

GoldStar® Jumbo Certificates and GoldStar® IRA Jumbo Certificates

TermMinimum BalanceDividend RateAPY 1
6 Month Jumbo GoldStar® 2$100,000.005.366%5.500%
8 Month Jumbo GoldStar® (Limited Time Special) 2 3$100,000.005.604%5.750%
10 Month Jumbo GoldStar® (Limited Time Special) 2$100,000.005.128%5.250%
12 Month Jumbo GoldStar® 2$100,000.004.985%5.100%
18 Month Jumbo GoldStar® 2$100,000.004.410%4.500%
24 Month Jumbo GoldStar® 2$100,000.004.410%4.500%
36 Month Jumbo GoldStar® 2$100,000.004.218%4.300%
48 Month Jumbo GoldStar® 2$100,000.004.025%4.100%
60 Month Jumbo GoldStar® 2$100,000.004.025%4.100%
  1. 1. APY = annual percentage yield.
  2. 2. Requires membership in the GoldStar® Member Rewards Program.
  3. 3. New Money Only. 8 month special certificate must be funded by new deposits.
Get StartedLearn More

Club Account

Build up small savings for big purchases.

  • No fees, charges, or minimum balance
  • Automatic Payroll Deduction / Direct Deposit available

Club Account

Minimum BalanceDividend RateAPY 1
$250.100%0.100%
  1. 1. APY = annual percentage yield.
Get StartedLearn More