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Utah Independent Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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.uib.bank
435-529-7459
55 South State Street
Salina, UT 84654

Utah Independent Bank is headquartered in SALINA and is the 38th largest bank in the state of Utah. It is also the 3,391st largest bank in the nation. It was established in 1977 and as of December of 2024, it had grown to 24 employees at 4 locations. Utah Independent Bank's money market rates are 7X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #22514
Year Established1977
Employees24
Primary RegulatorFED
Profit Margin
Return on Assets - YTD3.08%
Return on Equity - YTD22.43%
Annual Interest Income$10.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$152.1MM$131.7MM
LoansQ4 2024vs Q4 2023$94.6MM$79.7MM
DepositsQ4 2024vs Q4 2023$129.7MM$112.5MM
Equity CapitalQ4 2024vs Q4 2023$20.6MM$17.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.2MM$1.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$3.3MM$328K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Utah Independent Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$5k*-Savings Account
OTHER TIERS: 0.20% → $0 - $5k

Utah Independent Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%*$350k*-Business IMMA
OTHER TIERS: 0.50% → $0 - $20k | 1.00% → $20k - $50k | 1.51% → $50k - $100k | 2.02% → $100k - $200k | 2.53% → $200k - $350k
3.04%*$350k*-Individual IMMA
OTHER TIERS: 0.50% → $0 - $20k | 1.00% → $20k - $100k | 1.51% → $100k - $200k | 2.02% → $200k - $350k

Utah Independent Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.49%*$200k*$1mSuper Now - Non Profits
OTHER TIERS: 0.01% → $1m+ | 0.05% → $600 - $20k | 0.10% → $20k - $200k
0.60%*$100k*-Super Now-Individual
OTHER TIERS: 0.40% → $600 - $20k | 0.50% → $20k - $100k
0.10%$500-NOW Account

Utah Independent Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.26%$500-1 Year CD
3.84%$500-6 Month CD
3.34%$500-5 Year CD
3.24%$500-18 Month CD
3.03%$500-2 1/2 Years
2.52%$500-90 Day CD

Utah Independent Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%$25-18 Month Fixed IRA
3.55%$25-18 Month Variable IRA
3.13%$25-2 1/2 Year
Locations


Utah Independent Bank Locations
Monroe Branch45 West Center StreetMonroe, UT 84754
Beaver Branch195 North Main StreetBeaver, UT 84713
Utah Independent Bank55 S State StSalina, UT 84654
Milford Branch326 South Main StreetMilford, UT 84751

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