Bank · FDIC insured
FinWise Bank
A $915.5M bank headquartered in Murray, UT, with 2 branches in Utah. Best rates: CDs 4.40% and savings 0.30% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.40%CD rates →
- Savings740.30%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FinWise Bank
FinWise Bank is located in Sandy, Utah, and operates as a wholly owned subsidiary of FinWise Bancorp.
The institution adopted the FinWise brand in 2016, reflecting the digital shift toward online banking.
It focuses on strategic program lending, BIN sponsorship, payment solutions, and lending programs including SBA 7(a), owner-occupied real estate, and equipment leasing.
- Headquarters
- 756 E Winchester St, Murray, UT 84107
- FDIC certificate
- 35323 ↗
Branches
2 branches in Utah
Loading map…
Utah
2 branches
- FinWise BankMain office756 E Winchester St, Murray, UT 84107Directions
- Sandy Branch820 E 9400 S, Sandy, UT 84094Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 18.05% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 5.11% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.42% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $102 | $81 | — |
- CapitalLeverage ratio18.05%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent5.11%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$102Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FinWise Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.