Accordia Bank review (2026): Top rates on savings and CD accounts with low minimum deposits

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Summary : Accordia Bank is a Utah-based community bank formerly known as CCBank (Capital Community Bank). The institution dates to 1993 and recently rebranded as Accordia Bank. However, the rebrand did not change its ownership, leadership, bank charter, or FDIC coverage. Accordia offers both personal and business banking. It operates physical bank branches in Utah, but some deposit products are available nationwide online.

The checking account from Accordia Bank comes with no monthly fees. A minimum deposit of $25 is required to open an account; there is a $5,000 minimum balance required to earn interest, which is currently 0.2% APY.

Accordia offers a high-yield savings account that currently earns 4% APY for all customers outside of Utah. That's more than 10 times higher than the national average rate for savings accounts . However, Utah residents have the opportunity to earn an even higher rate of 5% APY with the "Rebrand Boost" of 1% APY through January 31, 2027. A minimum opening deposit of $100 is required.

Accordia's money market account requires a $1,000 minimum opening deposit and uses a tiered APY structure, meaning larger balances earn higher rates. The account also allows customers to move funds by check or digital transfer and manage the account through 24/7 digital banking.

Accordia's HSA is a health savings account designed to help eligible customers save and pay for qualified healthcare expenses with tax advantages. There is no monthly HSA administration fee, and the account comes with a debit card plus mobile and web access for managing the account. Once the HSA balance reaches $1,000, account holders have the ability to invest their funds.

Accordia offers CDs with terms ranging from six months to 60 months, all with competitive interest rates up to 4.3% APY. A minimum deposit of $1,000 is required to open an account.

Accordia Bank offers several types of consumer financing:

Term loans: Fixed-rate personal loans are available for uses such as debt consolidation, home repairs, and major purchases.

Auto loans: Financing for new and used vehicles, with a $5,000 minimum loan amount.

HELOCs: Home equity lines of credit are available for renovations, large purchases, education expenses, unexpected costs, and debt consolidation.

Mortgages: Accordia's mortgage division offers conventional, FHA, VA, construction, and specialized professional mortgages, as well as refinancing options. It also offers residential construction loans.

Competitive deposit account rates : Accordia Bank's HYSA and CD rates are amongst the highest available on the market today.

Low minimum deposits: You don't need thousands of dollars to open an account at Accordia Bank; the highest minimum required is $1,000 for CDs.

Highest HYSA rate only available to Utah residents: Customers who live outside of Utah aren't able to take advantage of Accordia's limited-time rate boost. However, the base rate for its HYSA is still a highly competitive 4% APY.

Customer service and mobile banking experience

Accordia Bank offers several ways to get help, including phone, email, online chat, a contact form, and in-person service at its Utah branches. Customer care representatives are available Monday through Friday from 9 a.m. to 5 p.m. Mountain Time.

Accordia offers a full-service mobile app for iOS and Android. Customers can view balances and transactions, deposit checks, transfer money, pay bills and loans, view eStatements, manage debit cards, set account alerts, and update personal information. However, the app's ratings are fairly modest. It currently has 3.7 out of 5 stars from 45 ratings in Apple's App Store and 3.8 stars from 17 reviews on Google Play.

The phone number for Limelight Bank is 801-772-0800.

It's main branch is located at the following address:

Accordia Bank 1909 W. State Street Pleasant Grove, UT 84062

Yes, Accordia Bank is FDIC-insured up to federal limits.

The routing number for Limelight Bank is 124302927.

Yes. Accordia Bank is a legitimate, regulated U.S. bank. It is the new brand name of CCBank, a Utah community bank that traces its history to 1993.

Accordia's headquarters are in Pleasant Grove, Utah.

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