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Bump Certificate

Looking to Grow Your Savings? 

Take advantage of rising rates with our 21-month Bump Certificate. Earn a competitive annual percentage yield (apy) of 4.50% with the option to bump your rate.

Ready to open an account? We’re ready to help. Connect with a member of our team, send us a text, or call us at 801-375-2120.  Want more information? We’re here to answer your questions via video chat, text, or phone.

Bump” policies: One time during the term of your Bump Certificate, You may choose to mature your  Bump Certificate early with no penalty and open a new certificate with a term at least as long as the  remaining term on your Bump Certificate at the then-current Dividend Rate and Annual Percentage  Yield. When exercising this option, the new certificate being opened may not be another Bump  Certificate.

Renewal Policies: If you do not exercise the Bump option during the term of this certificate, at maturity  your certificate will automatically renew as a 24-month certificate at the then-current rate. You will have  a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits  without penalty.

Early Withdrawal Provisions: We will impose a penalty equal to 180 days’ dividends on the amount of  any withdrawal if you withdraw funds prior to maturity. This penalty only applies to the withdrawal of  funds prior to maturity, not to the exercise of the “Bump” option described above.

Rate shown is accurate as of January 1, 2023. Minimum $1,000 deposit required to open a Bump certificate. No minimum balance required to earn the stated dividend. Fees may reduce earnings.


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