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 August 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: August 28, 2026

Happen Bank's Consumer Certificate of Deposit - 2 years rates are at 4.40%, 11-Months Consumer Certificate of Deposit - 11-Month rates are at 4.20%, 6-Months Consumer Certificate of Deposit - 6-Month rates are at 4.20%, Consumer Certificate of Deposit - 1 year rates are at 3.50%, 10-Months Consumer Certificate of Deposit - 10-Month rates are at 3.50%. Happen Bank's savings rates are at 3.00%. Happen Bank's Personal Loan Rates are at 17.32%. MonitorBankRates evaluates the financial stability of Happen Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.13%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.13%

Excellent Higher than avg

Happen Bank

2701 N Thanksgiving Way
Lehi, UT 84043

https://www.happen.com/

Happen Bank CD Rates

Product	Rate	APY	Term
Consumer Certificate of Deposit - 2 years	-	4.40%	2 years
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 11 month	-	4.20%	11 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 6 month	-	4.20%	6 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 1 year	-	3.50%	1 year
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 10 month	-	3.50%	10 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 14 month	-	3.50%	14 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 18 month	-	3.50%	18 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 8 month	-	3.50%	8 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 3 years	-	3.45%	3 years
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Consumer Certificate of Deposit - 5 years	-	3.40%	5 years
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%

Happen Bank Savings Rates

Product	Rate	APY
LevelUp Savings	3.00%	4.00%
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. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period. An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. Any rate changes will take place at the end of the first business day of the month and will be based on deposits in the previous statement cycle. Fees may reduce earnings. $0 minimum opening deposit. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
LevelUp Savings	-	3.00%
Min Balance $0 Details Standard Rate of 3.00% APY. Rates are variable and subject to change at any time without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%

Happen Bank Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	17.32%
Details Between January 2026 and March 2026, on average, the APR for a Happen Bank Personal Loan was 17.32% with an origination fee of 6% and a principal amount of $48,925 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 LENDINGCLUB CORP

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

Website https://www.happen.com/

FDIC Certificate # 32551

Established 08/26/1987

FDIC Insurance Date 08/09/1989

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.13%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4608%

Return on Equity (ROE) 3.8600%

Non-Performing Loans (NPL) 0.53%

Total Assets $11,472,011,000

Total Deposits $9,948,426,000

Equity Capital $1,305,655,000

Net Income $131,650,000

Headquarters Lehi

Total Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

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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/.