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First Utah Bank
ACH Number: 124302613
First Utah Bank is an FDIC insured institution headquartered at
3826 S 2300 E, Salt Lake City, UT 84109.
It was founded in
1978 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.
It was founded in 1978 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.
Deposit Rates - December 20, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
1.06% | $0 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
3.05% | $500 | Compare |
|
12 Mo CD
|
3.10% | $500 | Compare |
|
13 Mo CD
|
3.80% | $500 | Compare |
|
24 Mo CD
|
3.20% | $500 | Compare |
|
36 Mo CD
|
3.30% | $500 | Compare |
|
48 Mo CD
|
3.40% | $500 | Compare |
|
60 Mo CD
|
3.50% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.50% | $0 | Compare |
|
Money Market
|
2.07% | $100,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.21% | $0 |
Featured Home Equity Rates
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Sponsored
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Intro APR: 6.990 %
After Intro:6.990 %
$0 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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Sponsored
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Pentagon Federal Credit Union
NMLS ID: 4018220.000% $0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees -
Rocket Mortgage
NMLS ID: 3030Fees & Points Total
Pts ($0)
$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 22738 |
| Date Established | 1978 |
| Assets | $ 863.28 million |
| Loans | $ 654.33 million |
| Deposits | $ 710.41 million |
| Capital | $ 79.16 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 53.52 million |
| Interest-bearing balances | $ 32.37 million |
| Total securities | $ 116.62 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 654.33 million |
| Loan loss allowance | $ 8.28 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 1.78 million |
| All other assets | $ 16.46 million |
| Total Assets | $ 784.12 million |
| LIABILITIES | |
| Total deposits | $ 710.41 million |
| Interest-bearing deposits | $ 553.26 million |
| Deposits held in domestic offices | $ 710.41 million |
| % insured (estimated)" | 81.55% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 10.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 4.21 millionn |
| Total Liabilities | $ 784.12 million |
| Shareholders’ Equity | $ 79.16 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 28.82 million |
| Total Interest Expense | $ 10.41 million |
| Net interest income | $ 18.42 million |
| Provision for loan and lease losses | $ 1.39 million |
| Total non interest income | $ 3.40 million |
| Total non interest expense | $ 14.07 million |
| Pre-tax Net Operating Income | $ 6.69 million |
Customer Reviews for First Utah Bank
Branches
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First Utah Bank Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.1.06%4.69x (National Avg. - 0.23%)$0-SCENARIO
Year Rate
1.06%Annual
InterestAnnual Interest
(After Tax)1 50,000 530 371 2 50,530 536 375 3 51,066 541 379 4 51,607 547 383 5 52,154 553 387 6 52,707 559 391 7 53,265 565 395 8 53,830 571 399 9 54,401 577 404 10 54,977 583 408 11 55,560 589 412 12 56,149 595 417 13 56,744 601 421 14 57,346 608 426 15 57,954 614 430 16 58,568 621 435 17 59,189 627 439 18 59,816 634 444 19 60,450 641 449 20 61,091 648 453 TOTAL $11,738 $8,217 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
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