Rates
Rates effective as of October 20, 2026.
Promotional CD
A penalty may be applied for early withdrawal.
| Term | Minimum Deposit to Open | Annual Interest Rate | Annual Percentage Yield (Quarterly Compound) |
|---|---|---|---|
| 6-11 Month | $500 | 3.89% | 3.95% |
| 12-23 Month | $500 | 4.04% | 4.10% |
| 24 month | $500 | 3.94% | 4.00% |
Fixed Rate CD
A penalty may be applied for early withdrawal.
| Term | Minimum Deposit to Open | Annual Interest Rate | Annual Percentage Yield (Quarterly Compound) |
|---|---|---|---|
| 6 month | $500 | 3.112% | 3.15% |
| 12 month | $500 | 3.232% | 3.27% |
| 18 month | $500 | 3.232% | 3.27% |
| 24 month | $500 | 3.152% | 3.19% |
| 36 month | $500 | 2.96% | 2.99% |
| 48 month | $500 | 3.04% | 3.07% |
| 60 month | $500 | 3.112% | 3.15% |
Business Money Market and Savings
Monthly service fees may reduce earnings. Rate may change after account is opened.
| Available Balance | Minimum Deposit to Open and Avoid $25 Monthly Service Fee |
Annual Interest Rate | Annual Percentage Yield (Monthly Compound) |
|---|---|---|---|
| $5,000,000+ | $2,500 | 2.92% | 2.96% |
| $2,500,000 - $4,999,999 | $2,500 | 2.77% | 2.81% |
| $1,000,000 - $2,499,999 | $2,500 | 2.62% | 2.65% |
| $500,000 - $999,999 | $2,500 | 2.47% | 2.50% |
| $250,000 - $499,999 | $2,500 | 2.32% | 2.34% |
| $100,000 - $249,999 | $2,500 | 2.12% | 2.14% |
| $25,000 - $99,999 | $2,500 | 1.92% | 1.94% |
| $10,000 - $24,999 | $2,500 | 0.72% | 0.72% |
IntraFi ICS
Rate may change after account is opened.
| Available Balance | Annual Interest Rate | Annual Percentage Yield |
|---|---|---|
| $5,000,000+ | 2.92% | 2.96% |
| $2,500,000 - $4,999,999 | 2.77% | 2.81% |
| $1,000,000 - $2,499,999 | 2.62% | 2.65% |
| $500,000 - $999,999 | 2.47% | 2.50% |
| $250,000 - $499,999 | 2.32% | 2.34% |
| $100,000 - $249,999 | 2.12% | 2.14% |
| $25,000 - $99,999 | 1.92% | 1.94% |
Personal Money Market and Personal Savings
Monthly service fees may reduce earnings. Rate may change after account is opened.
| Available Balance | Minimum Deposit to Open | Annual Interest Rate | Annual Percentage Yield (Quarterly Compound) |
|---|---|---|---|
| $250,000+ | $2,500 (Money Market) | $25 (Savings) | 2.05% | 2.07% |
| $100,000 - $249,999 | $2,500 (Money Market) | $25 (Savings) | 2.05% | 2.07% |
| $25,000 - $99,999 | $2,500 (Money Market) | $25 (Savings) | 0.50% | 0.50% |
| $10,000 - $24,999 | $2,500 (Money Market) | $25 (Savings) | 0.50% | 0.50% |
| $1,000 - $9,999 | $2,500 (Money Market) | $25 (Savings) | 0.50% | 0.50% |
| $0 - $999 | $2,500 (Money Market) | $25 (Savings) | 0.50% | 0.50% |
Full Service Checking
Monthly service fees may reduce earnings. Rate may change after account is opened.
| Available Balance | Minimum Deposit to Open | Annual Interest Rate | Annual Percentage Yield (Quarterly Compound) |
|---|---|---|---|
| $250,000+ | $25 | 0.85% | 0.85% |
| $100,000 – $249,999 | $25 | 0.74% | 0.74% |
| $25,000 – $99,999 | $25 | 0.64% | 0.64% |
| $10,000 – $24,999 | $25 | 0.53% | 0.53% |
| $1,000 – $9,999 | $25 | 0.43% | 0.43% |
| $0 – $999 | $25 | 0.21% | 0.21% |
Interest Checking
Monthly service fees may reduce earnings. Rate may change after account is opened.
| Product | Interest Paid on Balances Above | Annual Interest Rate | Annual Percentage Yield (Monthly Compound) |
|---|---|---|---|
| Interest Checking | $0 | 0.21% | 0.21% |
Personal Savings
Monthly service fees may reduce earnings. Rate may change after account is opened.
| Product | Interest Paid on Balances Above | Annual Interest Rate | Annual Percentage Yield (Monthly Compound, Except Where Noted) |
|---|---|---|---|
| Flex IRA | $0 | 2.13% | 2.15% (Quarterly Compound) |
| Companion Savings | $25,000 | 1.06% - 0.64% | 1.07% - 0.64% |
| Companion Savings | $0 | 1.06% | 1.07% |
Non-Profit Checking
A penalty may be applied for early withdrawal.
| Non-Profit Checking | Interest Paid on Balances Above | |||
|---|---|---|---|---|
| 2 | 2 | 2 | 2 | 2 |
| 1 | 1 | 1 | 1 | 1 |
First Utah Bank Consumer and Commercial Account Disclosures are available by visiting any branch location.