What are the current interest rates at Happen Bank?

Current rates for Happen Bank include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 4.40%, 36-Month CD: 3.45%, 60-Month CD: 3.40%, Savings: 3.00%

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Happen Bank Rates & Review September 2026

Q: How many branches does Happen Bank operate?

Happen Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Happen Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Happen Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Happen Bank's 2 years 2 Year Consumer Certificate of Deposit rates are at 4.40%, 11-Months 11-Month Consumer Certificate of Deposit rates are at 4.20%, 6-Months 6-Month Consumer Certificate of Deposit rates are at 4.20%, 1 Year Consumer Certificate of Deposit rates are at 3.50%, 10-Months 10-Month Consumer Certificate of Deposit rates are at 3.50%. Happen Bank's savings rates are at 3.00%. Happen Bank's Personal Loan Rates are as low as 6.53%. MonitorBankRates evaluates the financial stability of Happen Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.05%. Rates last updated and verified on 09/20/2026.

Happen Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Happen Bank? Share your experience about Happen Bank by leaving a review below, or read customer reviews before you decide to use Happen Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.05%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Happen Bank, National Association

2701 N Thanksgiving Way
Lehi, UT 84043

https://www.happen.com/

Happen Bank CD Rates

Product	Rate	APY	Term
2 Year Consumer Certificate of Deposit	-	4.40%	2 years
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
11 Month Consumer Certificate of Deposit	-	4.20%	11 months
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
6 Month Consumer Certificate of Deposit	-	4.20%	6 months
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
1 Year Consumer Certificate of Deposit	-	3.50%	1 year
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
10 Month Consumer Certificate of Deposit	-	3.50%	10 months
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
14 Month Consumer Certificate of Deposit	-	3.50%	14 months
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
18 Month Consumer Certificate of Deposit	-	3.50%	18 months
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
8 Month Consumer Certificate of Deposit	-	3.50%	8 months
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
3 Year Consumer Certificate of Deposit	-	3.45%	3 years
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
5 Year Consumer Certificate of Deposit	-	3.40%	5 years
Min Deposit $500 Details Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

Happen Bank Savings Rates

Product	Rate	APY
LevelUp Savings	-	4.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required: At least $250 in cumulative deposits during the previous statement cycle ("Evaluation Period").; LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate. Rates are variable and subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
LevelUp Savings	-	4.00%
Min Deposit $250 Details Qualifications Required: At least $250 in deposits during the Evaluation Period; LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate of 3.00% APY. Rates are variable and subject to change at any time without notice. Evaluation Period is a statement cycle. First Evaluation Period is the third statement cycle after account opening. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
LevelUp Savings	-	3.00%
Min Deposit $0 Min Balance $0 Details Standard Rate earned if $250 deposit requirement is not met. Rates are variable and subject to change. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

Happen Bank Personal Loan Rates

Product	APR	Term	View More
Personal Loan	6.53%
Details APRs as low as 6.53%. Funding is as little as 24 hours. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Happen Bank’s Texas Ratio fell from 6.13% in Q3 2023 to 4.05% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$12.5B	4.05%	5.0	A+
March 31, 2026	$11.8B	4.46%	5.0	A+
December 31, 2025	$11.5B	4.77%	5.0	A+
September 30, 2025	$11.0B	4.58%	5.0	A+
June 30, 2025	$10.7B	4.91%	5.0	A+
March 31, 2025	$10.3B	5.40%	5.0	A+
December 31, 2024	$10.5B	6.61%	5.0	A
September 30, 2024	$10.8B	6.19%	5.0	A
June 30, 2024	$9.4B	6.29%	5.0	A
March 31, 2024	$9.1B	4.45%	5.0	A+
December 31, 2023	$8.6B	4.86%	5.0	A+
September 30, 2023	$8.2B	6.13%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Happen Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Happen Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Happen Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Happen Bank

Bank Holding Company HAPPEN INC

Address 2701 N Thanksgiving Way, Lehi, UT 84043 · Utah

Website https://www.happen.com/

FDIC Certificate # 32551

Established 19870826

FDIC Insurance Date 19890809

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.8241%

Return on Equity (ROE) 15.9400%

Non-Performing Loans (NPL) 0.46%

Total Assets $12,476,843,000

Total Deposits $10,854,299,000

Equity Capital $1,428,800,000

Net Income $108,823,000

Headquarters Lehi

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Happen Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About Happen Bank

How many branches does Happen Bank operate?

Happen Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Happen Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Happen Bank provides members with tools to manage their accounts and build a solid financial history.

Does Happen Bank offer online and mobile banking?

Most modern institutions like Happen Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.happen.com/.