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GREAT RATES

For Personal and Business Accounts

For rates on products not listed, call us in Utah County at (801) 642-3456 or toll free at (800) 815-BANK (2265), you can also visit one of our 14 branches.

Checking Accountsa:

MyRate Checking®b, d    Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Up to $25,000.00 (when qualification requirements are met) none $100 1.59% 1.60%
Above $25,000.00 (when qualification requirements are met) none $100 0.49% 1.60% - 0.50%e
If qualification requirements are not met (entire balance) none $100 0.10% 0.10%
CheckSmart™ Senior Plus Checkingb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $1,500.00 $1,500 $1,500 0.00% 0.00%
$1,500.00 to $9,999.99 $1,500 $1,500 0.10% 0.10%
$10,000.00 to $19,999.99 $1,500 $1,500 0.15% 0.15%
$20,000.00 to $49,999.99 $1,500 $1,500 0.25% 0.25%
$50,000.00 or more $1,500 $1,500 0.30% 0.30%
CheckSmart Money Marketb    Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $20,000.00 $1,000 $1,000 0.10% 0.10%
$20,000 to $99,999.99 $1,000 $1,000 0.20% 0.20%
$100,000 to $249,999.99 $1,000 $1,000 0.25% 0.25%
$250,000.00 or more $1,000 $1,000 0.30% 0.30%
BizSmart Money Marketb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate
Less than $20,000.00 $1,000 $1,000 0.10%
$20,000 to $99,999.99 $1,000 $1,000 0.20%
$100,000 to $249,999.99 $1,000 $1,000 0.25%
$250,000.00 or more $1,000 $1,000 0.30%
BizSmart Interest Checkingb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate
Less than $20,000.00 $3,000c $100 0.03%
$20,000 to $99,999.99 $3,000c $100 0.05%
$100,000 to $249,999.99 $3,000c $100 0.08%
$250,000.00 or more $3,000c $100 0.10%

Savings, CDs and IRAsa:

Statement Savingsb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
All balances $100 $100 0.10% 0.10%
KidSmart Savingsb Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $1,000.00 none $10 0.59% 0.60%
$1,000.00 or more none $10 0.10% 0.60% - 0.10%e
SaveSmart Direct® b    Apply Online Min. Daily Bal. to Avoid Below-Min.-Bal. Fee Minimum Opening Deposit Interest Rate APY
Less than $1,000.00 $100 $100 0.10% 0.10%
$1,000 to $49,999.99 $100 $100 0.49% 0.50%
$50,000 to $99,999.99 $100 $100 0.49% 0.50%
$100,000 to $249,999.99 $100 $100 0.49% 0.50%
$250,000 or more $100 $100 0.49% 0.50%
Certificates of Deposit (CDs) and
Individual Retirement Arrangements (IRAs)a,f
For CDs (not IRAs) with a beginning balance of at least $100,000, add .10% to the rates and APYs shown below.
Minimum Opening Deposit Interest Rate APY
3 Month CD $500 0.20% 0.20%
6 Month CD $500 0.40% 0.40%
12 Month CD/IRA $500 0.70% 0.70%
12 Month Flex CDh $500 0.60% 0.60%
18 Month CD $500 0.80% 0.80%
24 Month CD/IRA $500 0.90% 0.90%
36 Month CD $500 1.05% 1.05%
48 Month CD $500 1.34% 1.35%
60 Month CD/IRA $500 1.74% 1.75%
72 Month CD/IRA $500 1.74% 1.75%
18 Month Variable IRAb,h $10 0.20% 0.20%
16 Month MyRate CDb,f,g Minimum Opening Deposit Interest Rate APY
Tier 1 Daily Balance $0 - $4,999.99 $5,000.00 0.30% 0.30%
Tier 2 Daily Balance $5,000 and up and no Add-ons (see Add-ons) $5,000.00 0.75% 0.75%
With any 1 Add-on $5,000.00 0.80% 0.80%
With any 2 Add-ons $5,000.00 0.85% 0.85%
With any 3 Add-ons $5,000.00 0.90% 0.90%
With all 4 Add-ons $5,000.00 0.95% 0.95%

Please contact us for additional product and rate information.
+ Personal Savings
+ Business Savings Accounts

Annual Percentage Yields (APYs) are effective as of 7/7/2016, and are subject to change without notice.

a Fees may reduce the APY earned on an account.

b For variable-rate products, the interest rate and APY may change after account is opened.

c Minimum daily balance to avoid a fee is $3,000.00; but if the account maintains a $6,000.00 average monthly balance, then the below-minimum-balance fee will be waived.

d To qualify for the higher rate with your MyRate Checking account: enroll in eStatements, log in to online banking at least once every 180 days, conduct at least one ACH transaction each calendar month and use your VISA debit card at least 12 times per calendar month for Point-of-sale transactions of at least $3 each. Transactions must post and clear by the last day of the calendar month to qualify for the higher interest rate and nationwide ATM-fee refunds up to $15 per calendar month.

e Depending on the balance in the account. Higher balances will produce lower APYs.

f A penalty may be imposed for early withdrawl of certificates.

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