Below is a list of financial savings products/programs provided by a variety of participating financial institutions and partners.  Please take a moment to review each product offering for qualifications and criteria. Please read and follow access instructions and make note of the contact at each institution/organizations to assist an associate who may be unfamiliar with the product offering.

Financial Institutions Index  
America First Credit Union 
Bank of American Fork 
Box Elder County Credit Union
Beehive Credit Union   
KeyBank       
Mountain America Credit Union  
University of Utah Credit Union
U.S. Bank      
Utah Educational Savings Plan (529)
Utah Individual Development Account Network (IDA)
Washington Mutual      
Wells Fargo       
Zions Bank       

America First Credit Union

Type of Product	Dedicated Savings  (America First Credit Union)
Minimum Initial Deposit	$0
Yield	Dividend rate based on term selected of current certificate rate
Safety	Federally-insured*
Access to Funds	Immediate
Where to Purchase	At any of the 61 branch locations from Logan to St. George or online at http://www.americafirst.com
How to Purchase	In person, by telephone 1-800-869-3557
How to Make Deposits	Deposits are made automatically from the member's account (members may transfer up to 4 times a month)
Other Features	The convenience of an automatic share transfer or payroll deduction, higher dividend rate and a choice of terms

Type of Product	SaveSmart Direct Account  (Bank of American Fork) Toll-free: (800) 815- BANK, Utah County: (801) 642-3456, Salt Lake County: (801) 428-1041
Minimum Intial Deposit	$10.00 to open
Yield	SaveSmart Direct is a tiered account that earns tiered levels of interest based on the minimum balance requiremets for the specific tier.
Safety	FDIC Insured
Access to Funds	You electronically transfer money from your SaveSmart account to another that you designate and your funds are available.
Where and How to Purchase	Sign up for online banking at www.bankaf.com or call customer service at 801-642-3456. Once you have signed up for online banking, you are ready to open a SaveSmart Direct account by transferring funds electronically from any account that you designate.
Other Features	Convenience. Free online Banking, free estatements, FDIC insured
	* This is an online account only. A fee is assesed if you exceed three withdrawels in one month or if you fall below $10.00 minimum balance at the end of the month

 

Types of Products	Savewise Account  (Bank of American Fork)
Minimum Intial Deposit	$10.00 to Open
Yield	Interest compounded daily and paid quarterly
Safety	FDIC Insured
Where to Purchase	At any of the 11 Bank of American Fork branches: Draper, Sandy, Murray, Riverton, Alpine, Highland, Lehi, American Fork, Pleasant Grove, Orem/Provo, and Spanish Fork
How to Purchase	In person, by telephone (801) 642-3456
Other Features	Free online banking, free estatements, FDIC insured
	* If under 18 years of age, must hae a parent or gaurdian as a second signer on the account. A fee is assesed if you exceed three withdrawals in one month.

Beehive Credit Union

Box Elder County Credit Union

KID$ COUNT Accounts (Box Elder County Credit Union)      What are Kid$ Count Accounts? A KID$ COUNT account is a savings account specifically for children age 12 and under.  The minimum intial deposit is $10, instead of the normal $25. When Children open a KID$ COUNT account, they receive an official KID$ COUNT membership card, great tips for kids about how to save and a free prize! For more information visit the Box Elder County Credit Union branches (Brigham City or Garland) or online at www.beccu.org.

Type of Product	DinoSaver, a  Savings Account designed for children under the age of 18  (KeyBank) Contact: Jill Taylor, 801-535-1000 or 1-800-KEY2YOU
Minimum Initial Deposit	$10
Yield	Interest rate increases as account balance grows.  Interest compounded daily, credited monthly
Safety	Federally-insured*
Access to Funds	Children cannot withdraw funds, must have an adult signer on the account.  The adult can withdraw funds at any time.
Where to Purchase	At an KeyCenter location
How to Purchase	Inperson, by telephone, 1-800-KEY2YOU, or online at www.key.com
How to Make Deposits	At any KeyCenter location or ATM, by payroll direct deposit, automatic transfer from checking
Other Features	Carnegie Collection dinosaur replicas, quarterly DinoTales newsletter, free online banking, quarterly statement

Mountain America Credit Union

Type of Product	Primary Savings Account  (Mountain America Credit Union) Contact:  1-800-748-4302 or 1-801-325-6228
Minimum Initial Deposit	$25
Yield	Interest earned on deposits of $100 or greater
Safety	Funds guaranteed up to $100,00 by the NCUA
Access to Funds	Immediate
Where to Purchase	At any MACU branch location
How to Purchase	In person, by telephone 1-800-748-4302 or online at www.mtnamerica.org
How to Make Deposits	Through tellers, or automatic monthly account transfers, payroll deductions, direct deposits, ATMs
Other Features

 

Type of Product	Secodary Savings Account  (Mountain America Credit Union) Contact:  1-800-748-4302 or 1-801-325-6228
Minimum Initial Deposit	$5
Yield	Interest earned on deposits of $5 or greater
Safety	Funds guaranteed up to $100,00 by the NCUA
Access to Funds	Immediate
Where to Purchase	At any MACU branch location
How to Purchase	In person, by telephone 1-800-748-4302 or online at www.mtnamerica.org
How to Make Deposits	Through tellers, or automatic monthly account transfers, payroll deductions, direct deposits, ATMs
Other Features	Secondary savings accounts may be set up in addition to the primary savings account.  The member can open as many secondary savings accounts as he/she wishes.

Type of Product	ShareBuilder  (Mountain America Credit Union) Contact:  1-800-748-4302 or 1-801-325-6228
Minimum Initial Deposit	none
Yield	depends on stock
Safety
Access to Funds	depends (0-10 days)
Where to Purchase	At any MACU branch location
How to Purchase	In person, by telephone 1-800-748-4302 or online at www.mtnamerica.org
How to Make Deposits	Through tellers, or automatic monthly account transfers, payroll deductions, direct deposits, ATMs
Other Features	With ShareBuilder, it's easy to get started creating your online stock portfolio. There are no minimum requirements to open an account or to begin investing.  A free personalized portfolio is provided.

University Credit Union

Type of Product	Totally Free Checking
Minimum Initial Deposit	$10 (to share savings account)
Yield	Dividend rate paid on deposits when balances exceed $1,000
Safety	Federally-insured*
Access to Funds	Immediate.  Use checks, debit card, ATM, POS
Where to Purchase	At any branch location
How to Purchase	In person
How to Make Deposits	In person, or online transfer from other member accounts.  Direct Deposit from employer, selected ATMs.
Other Features	Free Debit/ATM card (no credit approval required), No monthly service charge, No per check charges, unlimited check writing, free online account access, print or electronic statements, free Bill Pay - pay your bills online at your convenience.

Type of Product	BALANCE Financial Fitness Program
Safety	Professional, confidential money management information and counseling from certified counselors
Where to Participate	Online link at www.ucreditu.com or Toll-free phone
How to Paticipate	Universiy Credit Union membership - if not a member visit any branch location to join.
Other Features	Unbiased information and assistance.
	Money management counseling.
	Pre-purchase and default housing education.  Loan delinquency and mortgage foreclure prevention.
	Credit reports and credit report education.
	Spending and savings plans.  Debt repayment or management plans.

Type of Product	Fee Free Student Loans
Minimum Initial Deposit	$0
Safety	Federal Guarantee
Access to Funds	Following approval check mailed directly to you.
Where to Apply	Online link at www.ucreditu.com or by phone (801) 481-8899
Loan Amounts	Undergraduate up to $6,625 per year; Graduate up to $18,500 per year; Medical/Dental Student up to $38,500 per year
Other Features	No Origination fees.  No guarantee fees.
	Individual help in completing your FAFSA application.
	Reduced payment rates through UHEAA (certain conditions apply)

U.S. Bank

Type of Product	Goal Savings  (U.S. Bank) Contact:  Kareina Westlund, 1-801-537-6660
Minimum Initial Deposit	$0
Yield	Interest compounded daily, paid monthly
Safety	FDIC Insured
Access to Funds	Immediate
Where to Purchase	At any U.S. Bank branch location or online at www.usbank.com
How to Purchase	In person, by telephone 1-801-537-6660 or online at www.usbank.com
How to Make Deposits	At any U.S. Bank branch location
Other Features	Monthly statement, Goal Savings account can be named to reflect your savings goals.

Utah Educational Savings Plan (UESP)

Type of Product	Utah's 529 College Savings Plan
Minimum Initial Deposit	$0
Yield	Variable based on investment option selected
Safety	Not guaranteed by any agency
Access to Funds	One to two weeks
Where to Purchase	Board of Regents Bldg - The Gateway - 60 S 400 W, SLC, UT 84101
How to Purchase	In person, by telephone 1-800-418-2551 or www.uesp.org
How to Make Deposits	Check, ACH or payroll deduction
Other Features	Earnings are not subject to Federal or state income tax if used for qualified higher education expenses. Utah residents receive a income tax deduction for contributions. Up to $3,240 per beneficiary, or a Utah tax credit up to $173 per beneficiary, if filing a joint tax return. No enrollment fee or minimum balance required.

Utah Individual Development Account Network (UIDAN)

Type of Product	Individual Development Accounts (IDAs)
Participant Qualifications	Have a social security or tax-payer ID number Be a resident and living in Utah Be 18 years of age or older Earn wages from full- or part-time work Income Applicants cannot have more than $10,000 in net assets excluding one automobile and house per household
Income Eligibility by Family Size	One: $20,800 Two: $28,00 Three: $35,200 Four: $42,400 Five: $49,600 Six: $56,800 Seven: $64,000 Eight: $71,200 For families with more than 8 persons, add $6,960.00 for each additional person.
Participating Financial Institutions (IDA Saver account holders)	Centennial Bank, US Bank, WaMu, Zions Bank
Contact Info / Application	www.uidan.org | (877) 787-0727
What is an IDA?	Individual Development Accounts (IDAs) are special matched savings accounts that enable low-income families to save, build assets, and enter the financial mainstream. IDAs reward the monthly savings of working low-income families who are building towards purchasing a productive asset - homeownership, education, or entrepreneurship. While the match savings is the centerpiece of an IDA, the program has several other components including financial education training, individual financial counseling and asset-specific training. Participants are required to attend 8 hours of financial education training which focuses on spending behaviors, goal setting, debt management, budgeting, saving, consumer awareness, investing, and asset-protection. Asset-specific training is also required for homebuyer education and business plan development. UIDAN is a statewide program managed by AAA Fair Credit Foundation.

Washington Mutual

Type of Product	Automatic Savings Plan – requires WaMu personal checking and savings account.  Featured accounts: Statement Savings and WaMu Free Checking™ Contact:  Eddie Garcia, 1-801-223-7200
Minimum Initial Deposit	Statement Savings: The amount of the monthly service charge WaMu Free Checking:  $1 if free check style chosen or no checks are ordered.  Otherwise, minimum to open is charge to order checks.
Yield	Statement Savings: Interest Rate and Annual Percentage Yield may vary by bank location. WaMu Free Checking: non-interest bearing
Safety	FDIC Insured
Access to Funds	At any WaMu branch or ATM (subject to funds availability and card/ATM transaction limits) Additional transaction limits apply to Statement Savings
Where to Purchase	At any Washington Mutual branch location
How to Purchase	In person, by telephone 1-801-223-7200 or online at www.wamu.com
How to Make Deposits	At any WaMu branch or ATM offering this service.  Set up direct deposit with your employer.  Ask about other options.
Other Features	Set up weekly, by-weekly, twice a month, monthly or quarterly automatic transfers from your WaMu Free Checking to Statement Savings account.   Make at least one Automatic Savings Plan transfer of at least $5 from your WaMu personal checking account to your Statement Savings account OR maintain a minimum balance of $300 each day of the monthly statement cycle to avoid a monthly fee of $5 Statement Savings monthly account fee.   Visit www.wamu.com for more information about this or any other WaMu product.

Junior Agent(SM) Saver Club - accompanies any Wells Fargo savings account

Savings Club for children ages 5 – 12 that accompanies any Wells Fargo savings account.  Helps kids learn about saving through a Wells Fargo savings account, interactive tools, and fun awards for saving.

 

Zions Bank

Zions Saves Package (Zions Bank) Any financial institution can offer you a savings account, but can it help you add thousands of dollars to that account?  Zions Bank can.  Zions Bank has already helped thousands of new savers to follow a plan that achieves the Utah Saves goal: To pay off debt To provide funds for emergency expenses To afford a home, education, investments, retirement, or other products that will improve your standard of living To gain peace of mind and work toward your financial dreams Take advantage of the Zions Saves Package to make more savings an easy lifetime habit. Zions Saves package includes: Free Super Saver Seminar Free 10-Point Financial Check-up Saver Friendly Savings Accounts for any Savings Goal Free Checking with Free Online Bill Pay Free Automatic Transfers builds savings fast and effortlessly Help Your Kids Save Like Millionaires For more information or to open an account please visit www.zionsbank.com or call 1-800-789-8800.