Central Bank (UT)

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

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

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

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

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.centralbankutah.com

801-375-1000

75 North University Avenue
Provo, UT 84601

Central Bank (UT) is headquartered in PROVO and is the 23^rd largest bank in the state of Utah. It is also the 591^st largest bank in the nation. It was established in 1891 and as of March of 2025, it had grown to 298 employees at 12 locations. Central Bank (UT)'s money market rates are 9X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	9204
Year Established	1891
Employees	298
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.69%
Return on Equity - YTD	12.54%
Annual Interest Income	$31MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$2.02B$1.95B
Loans	Q1 2025vs Q1 2024	$1.28B$1.14B
Deposits	Q1 2025vs Q1 2024	$1.63B$1.48B
Equity Capital	Q1 2025vs Q1 2024	$276.9MM$239.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$40.3MM$34.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6.8MM$1.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$640K$504K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

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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Savings
Money Market
CD
IRA

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

Central Bank (UT) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.52%^*	$0	$10k	YOUth Smart Savings Account
OTHER TIERS: 0.35% → $10k+
0.15%	$10	-	Business Savings
0.15%	$10	-	Personal Statement Savings Account

Central Bank (UT) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.82%^*	$500k^*	$100m	High Yield Money Market Account
OTHER TIERS: 1.26% → $1k - $10k \| 1.36% → $10k - $20k \| 1.61% → $20k - $100k \| 2.53% → $100k - $250k \| 3.35% → $250k - $500k
3.82%^*	$500k^*	$100m	Business High Yield Money Market Account
OTHER TIERS: 1.26% → $1k - $10k \| 1.36% → $10k - $20k \| 1.61% → $20k - $100k \| 2.53% → $100k - $250k \| 3.35% → $250k - $500k

Central Bank (UT) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.32%	$500	-	6 Months to 11 Month CD
4.32%	$500	-	Business 6 Months to 11 Month CD
4.11%	$500	-	12 Month to 23 Month CD
4.11%	$500	-	Business 12 Month to 23 Month CD
4.06%	$500	-	60 Month CD
4.06%	$500	-	Business 60 Month CD
4.01%	$500	-	24 Month to 35 Month CD
4.01%	$500	-	36 Month to 47 Month CD
4.01%	$500	-	48 Month to 59 Month CD
4.01%	$500	-	Business 24 Month to 35 Month CD
4.01%	$500	-	Business 36 Month to 47 Month CD
4.01%	$500	-	Business 48 Month to 59 Month CD
1.36%	$500	-	60 Day to 5 Month CD
1.36%	$500	-	Business 60 Day to 5 Month CD

Central Bank (UT) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.11%	$100	-	12 Month to 23 Month IRA
4.06%	$100	-	60 Month IRA
4.01%	$100	-	24 Month to 35 Month IRA
4.01%	$100	-	36 Month to 47 Month IRA
4.01%	$100	-	48 Month to 59 Month IRA

Locations

Availability

Salt Lake City Area

Salt Lake City Area bank & credit union details

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