Prime Alliance Bank: Savings Accounts, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/19/2026

Mission: Banksparency aims to make Prime Alliance Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Prime Alliance Bank

Our verdict

Prime Alliance Bank offers Personal Savings, a high-yield savings account paying 3.75% APY with no minimum deposit.

At 3.75% APY, Prime Alliance Bank pays 10x the national savings average of 0.38%.

Additional Accounts

Personal Money Market, a money market account at 3.75% APY.
Business Money Market, a business money market account at 3.75% APY.
a business savings account at 3.75% APY.

Ideal User Profile

Best for: simple saving without extra requirements and having a branch nearby when you need one.

CD Analysis

Prime Alliance Bank also offers CDs paying up to 3.95% APY on its 6 months term, with terms ranging from 18 months to 6 months.

Tracking 3 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.95% APY for a 6 months term and laddering across multiple maturities.

Important Considerations

Business Money Market is a business money market account. Available to business customers.

Business Savings Account is a business savings account. Available to business customers.

Key Differentiators

Stands out with top-rated iOS app (5.0), in-person banking available.

Deposit Accounts Overview

Business Money Market

Savings

3.75% APY

Tiered Range: 3.35% - 3.75%

StableNo rate changes in last 7 days

No Minimums Branch Access

Rank #53 of 337 tracked.

Business Savings Account

Savings

3.75% APY

Tiered Range: 3.35% - 3.75%

StableNo rate changes in last 7 days

No Minimums Branch Access

Rank #54 of 337 tracked.

Personal Savings

Savings

3.75% APY

No Minimums Branch Access

Rank #55 of 337 tracked.

Personal Money Market

Money Market

3.75% APY

No Minimums Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationWoods Cross, UT
Ratings & Trust
5.0iOS 3.8Android Not RatedBBB Not BBB Accredited
Deposit InsuranceFDIC Insured(Cert: 57920)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

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FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by Prime Alliance Bank

Feature	Personal Savings	Business Savings Account
APY	3.75%Verified: 8/19/2026	3.75%Range: 3.35% - 3.75%Verified: 8/19/2026
APY Trend	N/A	StableNo rate changes in last 7 days
Min. Deposit	$0	$0
Min. Balance	$0	N/A
Monthly Fee	$0	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	N/A
Compounding	Monthly	Monthly
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for Prime Alliance Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,465.40(9.5%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,465.40

Effective APY

3.75%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Prime Alliance Bank Deposit Rates Over Time

Historical APY Insights

Last 12 Months

Metric	Personal Savings	Business Money Market	Business Savings Account
Latest APY	3.75%	3.75%	3.75%
Trend	Sideways	Sideways	Sideways
Slope (bps/mo)	-4.7	0.0	0.0
Rate Changes / Mo	0.17	0.00	0.00
Days Since Last Change	233	186	186
High (-12m)	4.05%	3.75%	3.75%
Low (-12m)	3.75%	3.75%	3.75%
Draw-down	-7.4%	0.0%	0.0%
Volatility (CV)	0.024	0.000	0.000

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 361-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with Prime Alliance Bank

Feature	Current View Prime Alliance Bank	Empty Slot
Product		-
APY	3.75%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	$0	N/A
Monthly Fee	$0	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	Monthly	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.95% Highest APY

Across 3 CD products with terms: 6 months, 12 months, 18 months

CD Products Offered by Prime Alliance Bank

Feature	6-Month Business CD 6 months	12-Month Business CD 12 months	18-Month Business CD 18 months
APY	3.95%Verified: 8/19/2026	3.95%Verified: 8/19/2026	3.95%Verified: 8/19/2026
Term	6 months	12 months	18 months
Min. Deposit	$500	$500	$500
Early Withdrawal	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes

Prime Alliance Bank CD Rates Over Time

Money Market Accounts Offered by Prime Alliance Bank

Feature	Personal Money Market
APY	3.75%Verified: 8/19/2026
Min. Deposit	$0
Min. Balance	$0
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	Monthly
FDIC Insured	Yes
Eligibility	United States

Alternatives to Prime Alliance Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

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First Federal Bank of Kansas City

Grow Savings Account: 5.00% APY

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Minimum Deposit: $25

First Savings Plus: 0.20% APY

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Minimum Deposit: $50

Money Market: 3.45% APY

Minimum Deposit: $1,000

Statement Savings: 0.15% APY

Minimum Deposit: $200

Minor Savings Account: 0.15% APY

Minimum Deposit: $200

IRA Savings: 0.20% APY

Minimum Deposit: $100

Business Statement Savings: 0.15% APY

Minimum Deposit: $200

Business Money Market: 3.45% APY

Minimum Deposit: $2,500

Bank5 Connect

Money Market Account: 4.00% APY

Minimum Deposit: $100

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Minimum Deposit: $25,000

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High-Yield Savings Account: 3.75% APY

Minimum Deposit: $0

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Varo Bank

High-Yield Savings Account: 3.75% APY

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Minimum Deposit: $0

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Direct Deposit: Not required