What are the current interest rates at Central Bank Provo, UT?

Current rates for Central Bank Provo, UT include: 12-Month CD: 4.22%, 24-Month CD: 4.06%, 36-Month CD: 4.06%, 48-Month CD: 4.06%, 60-Month CD: 4.16%, Savings: 2.52%, MMA: 3.82%

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Central Bank Provo, UT

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Central Bank Provo, UT Rates & Review October 2026

Q: How many branches does Central Bank Provo, UT operate?

Central Bank Provo, UT currently maintains approximately 13 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, Central Bank Provo, UT 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, Central Bank Provo, UT 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: October 12, 2026

Central Bank Provo, UT's top rates as of October 12, 2026 are 4.22% APY on its 12-Months 12-Month Personal Certificates of Deposit CD, 2.52% APY on savings, and 3.82% APY on money market accounts, according to rates verified by MonitorBankRates. Other Central Bank Provo, UT CD rates include 6-Months 6-Month Personal Certificates of Deposit at 4.22%, 60-Months 60-Month Personal Certificates of Deposit at 4.16%, and 24-Months 24-Month Personal Certificates of Deposit at 4.06%. MonitorBankRates evaluates the financial stability of Central Bank Provo, UT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.94%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.94%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Bank

75 N University Ave
Provo, UT 84601

https://www.cbutah.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Central Bank Provo, UT CD Rates

Product	Rate	APY	Term
12 Month Personal Certificates of Deposit	4.15%	4.22%	12 Months
Min Balance $500 Details Balance: $500+; Term: 12 Months to 23 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01% Oct 3, 20264.22%▲ from 4.01% Sep 28, 20264.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
6 Month Personal Certificates of Deposit	4.15%	4.22%	6 Months
Min Balance $500 Details Balance: $500+; Term: 6 Months to 11 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11% Oct 3, 20264.22%▲ from 4.11% Sep 28, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
60 Month Personal Certificates of Deposit	4.10%	4.16%	60 Months
Min Balance $500 Details Balance: $500+ Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06% Oct 3, 20264.16%▲ from 4.06% Sep 28, 20264.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
24 Month Personal Certificates of Deposit	4.00%	4.06%	24 Months
Min Balance $500 Details Balance: $500+; Term: 24 Months to 35 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96% Oct 3, 20264.06%▲ from 3.96% Sep 28, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
36 Month Personal Certificates of Deposit	4.00%	4.06%	36 Months
Min Balance $500 Details Balance: $500+; Term: 36 Months to 47 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96% Oct 3, 20264.06%▲ from 3.96% Sep 28, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
48 Month Personal Certificates of Deposit	4.00%	4.06%	48 Months
Min Balance $500 Details Balance: $500+; Term: 48 Months to 59 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96% Oct 3, 20264.06%▲ from 3.96% Sep 28, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
60 Day Personal Certificates of Deposit	1.45%	1.46%	60 Days to 5 Months
Min Balance $500 Details Balance: $500+ Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 1.36% → 1.46% ▲ 0.10 pts · high 1.46% / low 1.36% Oct 3, 20261.46%▲ from 1.36% Sep 28, 20261.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%

Central Bank Provo, UT Savings Rates

Product	Rate	APY
YOUth Smart Savings Account	2.50%	2.52%
Min Balance $0 Details Balance: up to $10,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
YOUth Smart Savings Account	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.01 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
Personal Statement Savings Account	0.15%	0.15%
Min Balance $10 Details Balance: $10+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%

Central Bank Provo, UT Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.15%	0.15%
Min Balance $100 Details Balance: $100+ Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%

Central Bank Provo, UT Money Market Rates

Product	Rate	APY
High Yield Money Market Account	3.75%	3.82%
Min Balance $500,000 Details Balance: $500,000-$99,999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
High Yield Money Market Account	3.30%	3.35%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
High Yield Money Market Account	2.60%	2.63%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53% Oct 3, 20262.63%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
High Yield Money Market Account	1.70%	1.71%
Min Balance $20,000 Details Balance: $20,000-$99,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.61% → 1.71% ▲ 0.10 pts · high 1.71% / low 1.61% Oct 3, 20261.71%▲ from 1.61% Sep 14, 20261.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
High Yield Money Market Account	1.35%	1.36%
Min Balance $10,000 Details Balance: $10,000-$19,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
High Yield Money Market Account	1.25%	1.26%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%

Central Bank Provo, UT Other Rates

Product	Rate	Points	APY/APR	Term
Personal Individual Retirement Accounts (IRAs)	4.15%	-	4.22%	12 Months
Min Balance $100 Details Balance: $100+; Term: 12 Months to 23 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01% Oct 3, 20264.22%▲ from 4.01% Sep 28, 20264.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
Personal Individual Retirement Accounts (IRAs)	4.00%	-	4.06%	24 Months
Min Balance $100 Details Balance: $100+; Term: 24 Months to 35 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96% Oct 3, 20264.06%▲ from 3.96% Sep 28, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
Personal Individual Retirement Accounts (IRAs)	4.00%	-	4.06%	36 Months
Min Balance $100 Details Balance: $100+; Term: 36 Months to 47 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96% Oct 3, 20264.06%▲ from 3.96% Sep 28, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
Personal Individual Retirement Accounts (IRAs)	4.00%	-	4.06%	48 Months
Min Balance $100 Details Balance: $100+; Term: 48 Months to 59 Months Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96% Oct 3, 20264.06%▲ from 3.96% Sep 28, 20263.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%
Personal Individual Retirement Accounts (IRAs)	4.10%	-	4.16%	60 Months
Min Balance $100 Details Balance: $100+ Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06% Oct 3, 20264.16%▲ from 4.06% Sep 28, 20264.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.94%

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

Central Bank Provo, UT’s Texas Ratio rose from 0.35% in Q3 2023 to 1.94% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$2.2B	1.94%	5.0	A+
March 31, 2026	$2.1B	2.88%	5.0	A+
December 31, 2025	$2.1B	2.29%	5.0	A+
September 30, 2025	$2.1B	3.39%	5.0	A+
June 30, 2025	$2.0B	3.37%	5.0	A+
March 31, 2025	$2.0B	2.69%	5.0	A+
December 31, 2024	$2.0B	5.35%	5.0	A+
September 30, 2024	$2.0B	1.13%	5.0	A+
June 30, 2024	$2.0B	1.40%	5.0	A+
March 31, 2024	$2.0B	0.79%	5.0	A+
December 31, 2023	$2.0B	2.14%	5.0	A+
September 30, 2023	$1.9B	0.35%	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 Central Bank Provo, UT 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 Central Bank Provo, UT 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 Central Bank Provo, UT's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central Bank Provo, UT

Bank Holding Company CENTRAL BCORP

Address 75 N University Ave, Provo, UT 84601 · Utah

Website https://www.cbutah.com

FDIC Certificate # 9204

Established 18911017

FDIC Insurance Date 19340101

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.94%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0576%

Return on Equity (ROE) 13.9300%

Non-Performing Loans (NPL) 0.30%

Total Assets $2,164,532,000

Total Deposits $1,778,121,000

Equity Capital $320,013,000

Net Income $21,827,000

Headquarters Provo

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central Bank Provo, UT earned the Verified Healthy badge

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Frequently Asked Questions About Central Bank Provo, UT

How many branches does Central Bank Provo, UT operate?

Central Bank Provo, UT currently maintains approximately 13 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, Central Bank Provo, UT 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, Central Bank Provo, UT provides members with tools to manage their accounts and build a solid financial history.

Does Central Bank Provo, UT offer online and mobile banking?

Most modern institutions like Central Bank Provo, UT 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.cbutah.com.