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 State Bank of Southern Utah Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: August 28, 2026
State Bank of Southern Utah's 24-Month CERTIFICATE rates are at 4.20%, 12-Month - ADD ON CERTIFICATE rates are at 4.06%, 18-Month CERTIFICATE rates are at 4.06%, 60-Month CERTIFICATE rates are at 4.06%, 36-Month CERTIFICATE rates are at 3.80%. State Bank of Southern Utah's savings rates are at 0.20%. State Bank of Southern Utah's money market rates are at 1.00%. State Bank of Southern Utah's 15 Year Fixed rates are at 6.00%, VA Loan rates are at 5.99%, 30 Year Fixed rates are at 6.62%, FHA Loan rates are at 5.88%. State Bank of Southern Utah's Personal Loan Rates are at 5.49%. 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 5.81%. Rates last updated and verified on 08/28/2026. 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. 
State Bank of Southern Utah CD Rates
State Bank of Southern Utah Savings Rates
State Bank of Southern Utah Money Market Rates
State Bank of Southern Utah Checking Rates
State Bank of Southern Utah Mortgage Rates
State Bank of Southern Utah Home Equity & HELOC
State Bank of Southern Utah Auto Loan Rates
Methodology & Data SourcesMonitorBankRates 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
11/25/1957
FDIC Insurance Date
02/02/1959
Domestic Offices
17
Total Branches
17
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 97/100
5.0
Exceptional
Out of 5.0 Stars
5.81%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9231%
Return on Equity (ROE)
11.5100%
Non-Performing Loans (NPL)
0.32%
Total Assets
$2,600,812,000
Total Deposits
$2,285,822,000
Equity Capital
$292,151,000
Net Income
$38,230,000
Headquarters
Cedar City
Total Branches and Offices
17
Source: FDIC | Last Updated 12/31/2025
Customer ReviewswPFl
December 17, 2025
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Frequently Asked Questions About State Bank of Southern UtahHow 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
Retrieved from our database of financial products. Rates subject to change.
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