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State Bank of Southern Utah Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

State Bank of Southern Utah's top rates as of October 7, 2026 are 4.25% APY on its 12-Month - ADD ON CERTIFICATE, 0.20% APY on savings, 3.56% APY on money market accounts, 5.00% APY on checking, 6.875% on its FHA Loan mortgage, and auto loans from 5.49% APR, according to rates verified by MonitorBankRates. Other State Bank of Southern Utah CD rates include 60-Month CERTIFICATE at 4.25%, 24-Month CERTIFICATE at 4.20%, and 18-Month CERTIFICATE at 4.06%. Other State Bank of Southern Utah mortgage rates include Mortgage - 15 Year Fixed at 7.00%, and Mortgage - 30 Year Fixed at 7.50%. MonitorBankRates evaluates the financial stability of State Bank of Southern Utah with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.27%. Rates last updated and verified on 10/07/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
2.27%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
State Bank of Southern Utah
377 N Main St
Cedar City, UT 84721
https://www.sbsu.com
MemberFDIC
Customer Reviews
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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.

State Bank of Southern Utah CD Rates

Product Rate APY Term View More
12 MONTH - ADD ON CERTIFICATE 4.18% 4.25% 12 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
60 MONTH CERTIFICATE 4.18% 4.25% 60 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
24 MONTH CERTIFICATE 4.14% 4.20% 24 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
18 MONTH CERTIFICATE 4.00% 4.06% 18 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
36 MONTH CERTIFICATE 3.75% 3.80% 36 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
48 MONTH CERTIFICATE 3.75% 3.80% 48 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
6 MONTH CERTIFICATE 3.75% 3.79% 6 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.79% APY · checked 3 times
3.29%3.79%4.29%Sep 18, 2026: 3.79% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
3 MONTH CERTIFICATE 0.20% 0.20% 3 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
1 MONTH CERTIFICATE 0.10% 0.10% 1 MONTH
Details CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%

State Bank of Southern Utah Savings Rates

Product Rate APY View More
SBSU SAVER 1.982% 2.00%
Min Balance $0
Details Qualifications Required: 1.982% APY on balances up to $50,000; Interest on qualifying accounts up to $50,000; Balance: $0.01 - $50,000.00
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
SBSU SAVER 0.747% 1.17%
Min Balance $50,000
Details Published APY range: 1.17% to 2.00%. Qualifications Required: Blended yield for amounts exceeding $50,000 will range from 1.17% to 2.00% APY depending on balance.; On balances over $50,000 (qualifying accounts); Balance: $50,000.01 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.17% APY · checked 3 times
0.67%1.17%1.67%Sep 18, 2026: 1.17% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
SAVINGS 0.20% 0.20%
Details REGULAR SAVINGS
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
SBSU SAVER 0.05% 0.05%
Min Balance $0
Details Qualifications Required: 0.05% APY on entire balance if requirements are not met; On entire balance if requirements are not met; Balance: $0.01 - $50,000.00
Last Updated 10/07/2026
Rate History
1 change since Sep 18, 2026 · 2.00% → 0.05% ▼ 1.95 pts · high 2.00% / low 0.05%
0.00%1.98%3.95%Sep 18, 2026: 2.00% APYOct 7, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20260.05%▼ from 2.00%
  • Sep 18, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%

State Bank of Southern Utah Money Market Rates

Product Rate APY View More
MONEY MARKET ACCOUNTS 3.50% 3.56%
Min Balance $500,000
Details Balance: $500,000.00 & UP
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
MONEY MARKET ACCOUNTS 2.50% 2.53%
Min Balance $100,000
Details Balance: $100,000.00 - $499,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
MONEY MARKET ACCOUNTS 1.75% 1.76%
Min Balance $25,000
Details Balance: $25,000.00 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 18, 2026: 1.76% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
MONEY MARKET ACCOUNTS 1.00% 1.00%
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%

State Bank of Southern Utah Checking Rates

Product Rate APY View More
High Interest Checking 4.889% 5.00%
Min Balance $0
Details Qualifications Required: Interest on qualifying accounts up to $20,000; Interest on qualifying accounts up to $20,000; Balance: $0.01 - $20,000.00
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
BIG Interest Checking 3.00% 3.04%
Details Qualifications Required: 1.00% to 3.04% APY depending on balance; On balances over $50,000 (qualifying accounts)**; The blended yield for amounts exceeding $50,000 will range from 1.00% to 3.04% APY depending on balance.; BIG Interest on qualifying accounts up to $50,000
Last Updated 10/07/2026
Rate History
1 change since Sep 18, 2026 · 0.15% → 3.04% ▲ 2.89 pts · high 3.04% / low 0.15%
0.00%2.97%5.93%Sep 18, 2026: 0.15% APYSep 24, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20263.04%▲ from 0.15%
  • Sep 18, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
High Interest Checking 0.747% 1.46%
Min Balance $20,000
Details Published APY range: 1.46% to 5.00%. Qualifications Required: On balances over $20,000 (qualifying accounts); On balances over $20,000 (qualifying accounts); Balance: $20,000.01+
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 7, 2026: 1.46% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
BIG Interest Checking 1.00% 1.00%
Details Published APY range: 1.00% to 3.04%. Qualifications Required: 1.00% to 3.04% APY depending on balance; The blended yield for amounts exceeding $50,000 will range from 1.00% to 3.04% APY depending on balance.; On balances over $50,000 (qualifying accounts)**
Last Updated 10/07/2026
Rate History
1 change since Sep 18, 2026 · 0.15% → 1.00% ▲ 0.85 pts · high 1.00% / low 0.15%
0.00%0.93%1.85%Sep 18, 2026: 0.15% APYSep 24, 2026: 1.00% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20261.00%▲ from 0.15%
  • Sep 18, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
BIG Interest Checking 0.15% 0.15%
Details On entire balance if requirements are not met
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
High Interest Checking 0.05% 0.05%
Details On entire balance if requirements are not met
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%

State Bank of Southern Utah Mortgage Rates

Product Rate Points APR Term View More
Mortgage - 15 Year Fixed 7.00% - 7.315% 15 Year
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.32% APR · checked 2 times
6.82%7.32%7.82%Oct 7, 2026: 7.32% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
Mortgage - 30 Year Fixed 7.50% - 7.713% 30 Year
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.71% APR · checked 2 times
7.21%7.71%8.21%Oct 7, 2026: 7.71% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
FHA Loan 6.875% - 7.907%
Details As Low As
Last Updated 10/07/2026
Rate History
5 changes since Sep 15, 2026 · 7.38% → 7.91% ▲ 0.52 pts · high 7.91% / low 7.38%
6.85%7.65%8.44%Sep 15, 2026: 7.38% APRSep 18, 2026: 7.38% APRSep 24, 2026: 7.47% APRSep 27, 2026: 7.74% APROct 1, 2026: 7.91% APROct 7, 2026: 7.91% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.91%▼ from 7.91%
  • Oct 1, 20267.91%▲ from 7.74%
  • Sep 27, 20267.74%▲ from 7.47%
  • Sep 24, 20267.47%▲ from 7.38%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%

State Bank of Southern Utah Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 6.75%
Details As Low As
Last Updated 10/07/2026
Rate History
1 change since Sep 24, 2026 · 3.95% → 6.75% ▲ 2.80 pts · high 6.75% / low 3.95%
1.15%5.35%9.55%Sep 24, 2026: 3.95% APROct 7, 2026: 6.75% APRSep 24, 2026Oct 13, 2026
  • Oct 7, 20266.75%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%

State Bank of Southern Utah Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 5.49%
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Oct 7, 2026: 5.49% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%

State Bank of Southern Utah RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
ATV Loan - 7.74%
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.74% APR · checked 2 times
7.24%7.74%8.24%Oct 7, 2026: 7.74% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
Boat/RV Loan - 7.74%
Details As Low As
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.74% APR · checked 2 times
7.24%7.74%8.24%Oct 7, 2026: 7.74% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%

State Bank of Southern Utah Other Rates

Product Rate Points APY/APR Term View More
15 Yr Fixed 7.00% - 7.315% 15 years
Details As Low As
Last Updated 10/07/2026
Rate History
5 changes since Sep 15, 2026 · 6.89% → 7.32% ▲ 0.43 pts · high 7.33% / low 6.89%
6.39%7.11%7.83%Sep 15, 2026: 6.89% APRSep 18, 2026: 7.00% APRSep 24, 2026: 7.02% APRSep 27, 2026: 7.26% APROct 1, 2026: 7.33% APROct 7, 2026: 7.32% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.32%▼ from 7.33%
  • Oct 1, 20267.33%▲ from 7.26%
  • Sep 27, 20267.26%▲ from 7.02%
  • Sep 24, 20267.02%▲ from 7.00%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
30 Yr Fixed 7.50% - 7.713% 30 years
Details As Low As
Last Updated 10/07/2026
Rate History
5 changes since Sep 15, 2026 · 7.28% → 7.71% ▲ 0.43 pts · high 7.71% / low 7.28%
6.78%7.50%8.21%Sep 15, 2026: 7.28% APRSep 18, 2026: 7.28% APRSep 24, 2026: 7.40% APRSep 27, 2026: 7.53% APROct 1, 2026: 7.71% APROct 7, 2026: 7.71% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.71%▲ from 7.71%
  • Oct 1, 20267.71%▲ from 7.53%
  • Sep 27, 20267.53%▲ from 7.40%
  • Sep 24, 20267.40%▲ from 7.28%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
Business Low Rate Card Loan - - 14.00%
Details All rates are variable.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 14.00% APR · checked 2 times
13.50%14.00%14.50%Oct 7, 2026: 14.00% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
Business Rewards Card Loan - - 20.70%
Details All rates are variable.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 20.70% APR · checked 2 times
20.20%20.70%21.20%Oct 7, 2026: 20.70% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
Classic Low Rate Card Loan - - 13.70%
Details All rates are variable.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 13.70% APR · checked 2 times
13.20%13.70%14.20%Oct 7, 2026: 13.70% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
FHA Home Loan 6.875% - 7.907%
Details As Low As
Last Updated 10/07/2026
Rate History
4 changes since Sep 18, 2026 · 7.38% → 7.91% ▲ 0.53 pts · high 7.91% / low 7.38%
6.85%7.65%8.44%Sep 18, 2026: 7.38% APRSep 24, 2026: 7.47% APRSep 27, 2026: 7.74% APROct 1, 2026: 7.91% APROct 7, 2026: 7.91% APRSep 18, 2026Oct 13, 2026
  • Oct 7, 20267.91%▼ from 7.91%
  • Oct 1, 20267.91%▲ from 7.74%
  • Sep 27, 20267.74%▲ from 7.47%
  • Sep 24, 20267.47%▲ from 7.38%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
Platinum Rewards Card Loan - - 20.70%
Details All rates are variable.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 20.70% APR · checked 2 times
20.20%20.70%21.20%Oct 7, 2026: 20.70% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
Rate Advantage Loan 5.125% - 5.194% 30-year fixed-rate
Details Owner-occupied primary residence; Conventional conforming loans; Limited Availability; Income at or below FHFA Area Median Income (AMI)**; Funds for this program are distributed based on a first come, first serve basis. Eligibility for this program requires income restrictions based upon the Federal Housing Finance Agency Area Median Income (AMI).
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.19% APR · checked 7 times
4.69%5.19%5.69%Sep 15, 2026: 5.19% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
SureCash Loan - - 15.40%
Details All rates are variable.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 15.40% APR · checked 2 times
14.90%15.40%15.90%Oct 7, 2026: 15.40% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
VA Home Loan 6.99% - 7.376%
Details As Low As
Last Updated 10/07/2026
Rate History
4 changes since Sep 18, 2026 · 6.83% → 7.38% ▲ 0.55 pts · high 7.39% / low 6.83%
6.27%7.11%7.94%Sep 18, 2026: 6.83% APRSep 24, 2026: 6.84% APRSep 27, 2026: 7.20% APROct 1, 2026: 7.39% APROct 7, 2026: 7.38% APRSep 18, 2026Oct 13, 2026
  • Oct 7, 20267.38%▼ from 7.39%
  • Oct 1, 20267.39%▲ from 7.20%
  • Sep 27, 20267.20%▲ from 6.84%
  • Sep 24, 20266.84%▲ from 6.83%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
EMERALD ELITE 0.10% - 0.10%
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
EMERALD ELITE 0.15% - 0.15%
Min Balance $25,000
Details Balance: $25,000.00 & UP
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
IRA 2.50% - 2.52%
Min Balance $0
Details Balance: $0-$24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
IRA 3.00% - 3.03%
Min Balance $25,000
Details Balance: $25,000.00 - $249,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
IRA 3.50% - 3.55%
Min Balance $250,000
Details Balance: $250,000.00 & UP
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
SBSU High Interest - - 5.00%
Min Deposit $20
Min Balance $0
Details Qualifications Required: 5.00% APY* on balances up to $20,000.; 0.75% APY* on balances over $20,000 depending on balance in account.*; 0.05% APY* on all balances if qualifications aren't met.; Up to $25 monthly.*
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
SBSU High Interest 0.05% - 0.05%
Min Deposit $20
Details When qualifications are not met on the SBSU High Interest account, the interest rate earned on the account's entire daily balance will be 0.050000% resulting in an annual percentage yield of 0.05% APY. ATM withdrawal fees are also not refunded. Rates effective as of 12/08/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.27%
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

State Bank of Southern Utah’s Texas Ratio fell from 5.66% in Q3 2023 to 2.27% 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. 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.

0% 1.0★ 1.9% 2.0★ 3.8% 3.0★ 5.7% 4.0★ 7.6% 5.0★ Healthy zone – entire history below the 15% limit 5.66% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.27% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.7B2.27%5.0A+
March 31, 2026$2.7B2.70%5.0A+
December 31, 2025$2.6B3.01%5.0A+
September 30, 2025$2.5B3.00%5.0A+
June 30, 2025$2.6B2.43%5.0A+
March 31, 2025$2.6B3.06%5.0A+
December 31, 2024$2.5B2.98%5.0A+
September 30, 2024$2.6B3.09%5.0A+
June 30, 2024$2.5B3.41%5.0A+
March 31, 2024$2.4B4.69%5.0A+
December 31, 2023$2.4B4.68%5.0A+
September 30, 2023$2.3B5.66%5.0A+
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 State Bank of Southern Utah 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 State Bank of Southern Utah 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 State Bank of Southern Utah's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name State Bank of Southern Utah
Bank Holding Company SOUTHERN UTAH BCORP
Address 377 N Main St, Cedar City, UT 84721  ·  Iron
Website https://www.sbsu.com
FDIC Certificate # 17964
Established 19571125
FDIC Insurance Date 19590202
Domestic Offices 17
Total Branches 17
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
2.27%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.7621%
Return on Equity (ROE) 15.5800%
Non-Performing Loans (NPL) 0.33%
Total Assets $2,738,337,000
Total Deposits $2,395,707,000
Equity Capital $312,218,000
Net Income $23,520,000
Headquarters Cedar City
Total Branches and Offices 17
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

State Bank of Southern Utah earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/state-bank-of-southern-utah-rates-review">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About State Bank of Southern Utah

How many branches does State Bank of Southern Utah operate?

State Bank of Southern Utah currently maintains approximately 17 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, State Bank of Southern Utah 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, State Bank of Southern Utah provides members with tools to manage their accounts and build a solid financial history.

Does State Bank of Southern Utah offer online and mobile banking?

Most modern institutions like State Bank of Southern Utah 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.sbsu.com.

Current State Bank of Southern Utah Rates

  • 12-Month CD4.25%
  • 18-Month CD4.06%
  • 24-Month CD4.20%
  • 36-Month CD3.80%
  • 48-Month CD3.80%
  • 60-Month CD4.25%
  • Savings0.20%
  • MMA3.56%
Retrieved from our database of financial products. Rates subject to change.

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