☰

Home›
Banks›
Utah Independent Bank

iAdvertiser Disclosure

Utah Independent Bank Rates & Review August 2026

Item: Utah Independent Bank
Rating: 2
Author: John H McDowell

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Utah Independent Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Utah Independent Bank, and you can see how they compare in the Utah Independent Bank rate tables below. MonitorBankRates evaluates the financial stability of Utah Independent Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.29%. Database rates last updated and verified on 08/30/2026.

Utah Independent 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 Utah Independent Bank? Share your experience about Utah Independent Bank by leaving a review below, or read customer reviews before you decide to use Utah Independent Bank.

Exceptional Health Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.29%

Excellent Lower than avg

Utah Independent Bank

55 S State St
Salina, UT 84654

https://www.uib.bank

Current Rate Availability

We're not currently displaying rates for Utah Independent Bank, but our database is updated constantly — check back soon for the latest offers.

Are you with Utah Independent Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Utah Independent 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 Utah Independent 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 Utah Independent Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Utah Independent Bank

FDIC Certificate # 22514

Address 55 S State St, Salina, UT 84654 · Sevier

Website https://www.uib.bank

Established 08/29/1977

FDIC Insurance Date 08/29/1977

Domestic Offices 4

Total Branches 4

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 3.3613%

Return on Equity (ROE) 26.7800%

Non-Performing Loans (NPL) 0.03%

Total Assets $160,179,000

Total Deposits $135,160,000

Equity Capital $23,136,000

Net Income $4,071,000

Headquarters Salina

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Utah Independent Bank earned the Exceptional Health 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.

<a href="https://monitorbankrates.com/banks/utah-independent-bank-rates-review-22514">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
       alt="MonitorBankRates Exceptional Health Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

John H McDowell

★★☆☆☆

September 25, 2024

Was told could only open CD in person. Good rate but not worth flying from Pennsylvania

Log in to reply Are you from Utah Independent Bank and want to reply to a review? Log in or register and verify yourself to reply as a representative from Utah Independent Bank.

Want to discuss Utah Independent Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★☆☆☆

Total Reviews

Add Your Rating and Review for Utah Independent Bank

Frequently Asked Questions About Utah Independent Bank

How many branches does Utah Independent Bank operate?

Utah Independent Bank currently maintains approximately 4 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, Utah Independent 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, Utah Independent Bank provides members with tools to manage their accounts and build a solid financial history.

Does Utah Independent Bank offer online and mobile banking?

Most modern institutions like Utah Independent 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.uib.bank.