Utah Independent Bank

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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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.uib.bank

435-529-7459

55 South State Street
Salina, UT 84654

Utah Independent Bank is headquartered in SALINA and is the 38^th largest bank in the state of Utah. It is also the 3,326^th largest bank in the nation. It was established in 1977 and as of March of 2025, 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	22514
Year Established	1977
Employees	24
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	3.39%
Return on Equity - YTD	24.87%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$159.6MM$143.2MM
Loans	Q1 2025vs Q1 2024	$98.8MM$87.7MM
Deposits	Q1 2025vs Q1 2024	$135.9MM$122.5MM
Equity Capital	Q1 2025vs Q1 2024	$22MM$19MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.3MM$949K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.4MM$18K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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

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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Money Market
Checking
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.

Utah Independent Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$5k^*	-	Savings Account
OTHER TIERS: 0.20% → $0 - $5k

Utah Independent Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
4.48%^*	$200k^*	$1m	Super 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

APY	MIN	MAX	ACCOUNT NAME
4.26%	$500	-	1 Year CD
3.53%	$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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	45 West Center Street	Monroe, UT 84754
Beaver Branch	195 North Main Street	Beaver, UT 84713
Utah Independent Bank	55 S State St	Salina, UT 84654
Milford Branch	326 South Main Street	Milford, UT 84751

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