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Home Checking Accounts Utah Checking Centerville, Utah iAdvertiser Disclosure
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Best Banks & Checking Accounts in Centerville, Utah - May 2026

The best checking rates for Centerville, Utah include Mountain America Federal Credit UnionMountain America Federal Credit Union298 N Market Place Dr, Centerville, UT 84014 1752A5.0 ★Texas Ratio: 11.38% Business growth checking at 0.50% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union315 N Market Place Dr, Centerville, UT 84014 1702A+5.0 ★Texas Ratio: 2.10% 1 Month (with checking account) at 0.15% APY, America First Federal Credit UnionAmerica First Federal Credit Union451 W Parrish Ln, Centerville, UT 84014 1761A5.0 ★Texas Ratio: 8.12% Premium Checking at 0.10% APY, Cyprus Federal Credit UnionCyprus Federal Credit Union221 W Parrish Ln, Centerville, UT 84014A+5.0 ★Texas Ratio: 2.42% Fresh Start Checking at 0.10% APY, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY. Checking account rates as of May 12, 2026 according to verified data from MonitorBankRates.

Centerville has 4 local institutions in our database, with checking rates as high as 0.50% APY from Mountain America Federal Credit Union at 298 N Market Place Dr, Centerville, UT, 84014 1752. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Centerville, Utah. Checking Account Rates Last Updated and Verified: May 12, 2026

Compare Checking Account Rates Today in Centerville, Utah & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
298 N Market Place Dr
Centerville, UT 84014 1752
Business growth checking Business
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
298 N Market Place Dr
Centerville, UT 84014 1752
Business analysis checking earnings credit Business
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
298 N Market Place Dr
Centerville, UT 84014 1752
Business growth checking Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
315 N Market Place Dr
Centerville, UT 84014 1702
1 Month (with checking account)
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
298 N Market Place Dr
Centerville, UT 84014 1752
Business analysis checking earnings credit Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
451 W Parrish Ln
Centerville, UT 84014 1761
Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Fresh Start Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Dream Rewards Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Basic Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Basic Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Fresh Start Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Dream Rewards Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Gold Tier Checking
4.33%
$10,000
Rate4.25%
Min Deposit$10,000
Min Balance
UpdatedMay 12, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
High Dividend Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Premier Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

**

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Interest Checking IOLTA Business
2.71%
$0
Rate2.67%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Gold Tier Checking
1.51%
$1,500
Rate1.50%
Min Deposit$1,500
Min Balance
UpdatedMay 12, 2026
Details

No additional details provided.

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
First Choice Platinum Checking Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
451 W Parrish Ln
Centerville, UT 84014 1761
Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Gold Tier Checking
4.33%
$10,000
Rate4.25%
Min Deposit$10,000
Min Balance
UpdatedMay 12, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★ Texas Ratio: 27.08%
High Dividend Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.83%
Premier Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

**

HERCULES FIRST
Institution Rating:
A5.0 ★ Texas Ratio: 8.30%
Gold Tier Checking
1.51%
$1,500
Rate1.50%
Min Deposit$1,500
Min Balance
UpdatedMay 12, 2026
Details

No additional details provided.

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
First Choice Platinum Checking Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Personal Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

No additional details provided.

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
First Choice Interest Checking Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
First Choice Platinum Rewards Checking Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

Prime Alliance Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.64%
Personal Interest Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Star Plus Checking Accounts
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

No additional details provided.

UTAH COMMUNITY
Institution Rating:
C3.8 ★ Texas Ratio: 29.46%
Elevated Plus Checking Rate
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

No additional details provided.

Prime Alliance Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.64%
Personal Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Interest Checking Accounts
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Prime Alliance Bank
Institution Rating:
D3.1 ★ Texas Ratio: 37.64%
Personal Interest Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
Interest, Platinum & Platinum Rewards Non-Qualifying Rate Checking Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Dream Rewards Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Dream Rewards Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
First Choice Platinum Rewards Checking Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $10,000.00

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
Interest, Platinum & Platinum Rewards Non-Qualifying Rate Checking Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
First Choice Cash Back Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Basic Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
221 W Parrish Ln
Centerville, UT 84014
Basic Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Checking Accounts Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Granite Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
298 N Market Place Dr
Centerville, UT 84014 1752
Business growth checking Business
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
298 N Market Place Dr
Centerville, UT 84014 1752
Business analysis checking earnings credit Business
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
298 N Market Place Dr
Centerville, UT 84014 1752
Business growth checking Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
298 N Market Place Dr
Centerville, UT 84014 1752
Business analysis checking earnings credit Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Interest Checking IOLTA Business
2.71%
$0
Rate2.67%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Interest Checking Business
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

No additional details provided.

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Business Checking Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Business Checking Business
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Business Premier Checking Business
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Balance to Earn Monthly Dividends: $500+

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
Premier Business Checking Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

No additional details provided.

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Business Basic Checking Business
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

$500+ to earn monthly dividends

Utah Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Checking Accounts Business Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
Business Advantage Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

No additional details provided.

Centerville, UT Checking Rate Trends

Compare local Centerville, UT checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Utah Checking Trends →
High-Yield Checking — UT Avg
0.682%
▼ 1.527 vs 7 days ago

Utah high-yield checking rates fell 1.527 points over the past 7 days to 0.682% APY.

Free Checking — UT Avg
0.299%
▼ 0.123 vs 7 days ago

Utah free checking rates fell 0.123 points over the past 7 days to 0.299% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Centerville, Utah checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Centerville, Utah directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Centerville, Utah. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in UT.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Centerville, Utah earn interest?

Most traditional local checking accounts in Centerville, Utah earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Centerville, Utah FDIC insured?

Yes. Legitimate banks with branches in Centerville, Utah are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Centerville, Utah

Based on our current data, some of the highest checking account APYs available to residents of Centerville, Utah include:
  • Mountain America Federal Credit Union
    Business growth checking — 0.50% APY
  • Goldenwest Federal Credit Union
    1 Month (with checking account) — 0.15% APY
  • America First Federal Credit Union
    Premium Checking — 0.10% APY
  • Cyprus Federal Credit Union
    Fresh Start Checking — 0.10% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Centerville, Utah. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 12, 2026