Celtic Bank

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.celticbank.com

801-363-6500

268 South State Street, Suite 300
Salt Lake City, UT 84111

Celtic Bank is headquartered in SALT LAKE CITY and is the 16^th largest bank in the state of Utah. It is also the 332^nd largest bank in the nation. It was established in 2001 and as of March of 2025, it had grown to 366 employees at 1 location. Celtic Bank's money market rates are 8X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57056
Year Established	2001
Employees	366
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	4.05%
Return on Equity - YTD	22.29%
Annual Interest Income	$87.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$4B$3.11B
Loans	Q1 2025vs Q1 2024	$2.96B$2.23B
Deposits	Q1 2025vs Q1 2024	$2.74B$2.16B
Equity Capital	Q1 2025vs Q1 2024	$725.7MM$582.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$50.9MM$41.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$78.5MM$38.9MM
Real Estate Owned	Q1 2025vs Q1 2024	$387K$501K

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Celtic Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.54%^*	$1m^*	-	Personal Money Market Account
OTHER TIERS: 0.10% → $0 - $20k \| 0.33% → $20k - $100k \| 1.43% → $100k - $1m
3.54%^*	$1m^*	-	Business Money Market Account
OTHER TIERS: 0.10% → $0 - $20k \| 0.33% → $20k - $100k \| 1.43% → $100k - $1m

Celtic Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.80%	$1k	-	1 Year CD
3.72%	$1k	-	6 Month CD
3.61%	$1k	-	18 Month CD
2.58%	$1k	-	10 Year CD
2.53%	$1k	-	2 Year CD
2.53%	$1k	-	3 Year CD
2.53%	$1k	-	4 Year CD
2.53%	$1k	-	5 Year CD

Locations

Celtic Bank Locations
Celtic Bank	268 S State St	Salt Lake City, UT 84111

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