Cache Valley Bank: Customer Service, Branches, and Products

Cache Valley Bank: Overview

Cache Valley Bank is a Utah-based community bank headquartered in Logan that traces its history to 1975, when it was founded as North Park Bank. Since then, the bank has expanded beyond Cache Valley while maintaining a strong regional presence across Utah and southern Idaho. It offers personal and business banking services, including checking and savings accounts, CDs, credit cards, consumer and mortgage lending, commercial financing, and treasury management services. This profile covers its history, Utah presence, customer service, and major products and services.

Expansion

Cache Valley Bank was founded in 1975 as North Park Bank of Commerce. In 1981, the institution changed its name to Cache Valley Bank, and in 1986 it moved its headquarters to 101 N. Main Street in Logan, where it remains headquartered today.

The bank began expanding beyond Cache Valley in 2009 when it acquired America West Bank, adding its first branch outside the region in Layton. In 2011, Cache Valley Bank assumed the deposits of SunFirst Bank in St. George, which expanded its presence into southern Utah. In 2012, it acquired part of Village Bank, adding locations in the St. George and Washington area.

Another major expansion came in 2017, when Cache Valley Bank acquired the deposits and substantially all of the assets of Proficio Bank in Cottonwood Heights after that institution was closed by state regulators. The transaction further expanded Cache Valley Bank’s presence along the Wasatch Front.

Cache Valley Bank continued expanding geographically in 2021 by opening its first branch outside Utah in Preston, Idaho. Today, the bank operates a network of branches and specialized lending offices stretching from southern Idaho through northern, central, and southern Utah, while remaining headquartered in Logan.

Cache Valley Bank Products and Services

cachevalleybank.com | Consumer Banking

Cache Valley Bank offers a broad range of personal and business financial products designed for everyday banking, saving, borrowing, and managing money. Its consumer services include checking and savings accounts, money market accounts, certificates of deposit, credit cards, mortgages, home equity financing, auto loans, and personal loans.

For businesses, Cache Valley Bank provides deposit accounts, commercial lending, SBA financing, business credit cards, merchant services, and treasury management tools. Customers can also access online and mobile banking services for routine account management, payments, transfers, and deposits.

Cache Valley Bank Checking Accounts

Savings Accounts

Cache Valley Bank offers 3 personal savings options: Silver, Gold, and Platinum Savings. Unlike its checking lineup, the bank’s current fee disclosure does not list an ongoing minimum balance or monthly fee for these savings accounts. The main differences are the opening deposit amounts and the balances at which the accounts earn interest.

Silver Savings

• Monthly fee: $0
• Minimum balance requirement: $0
• Minimum to open: $25
• Key benefit: Earns interest on any balance

Gold Savings

• Monthly fee: $0
• Minimum balance requirement: $0
• Minimum to open: $2,000
• Key benefit: Earns interest above $2,000

Platinum Savings

• Monthly fee: $0
• Minimum balance requirement: $0
• Minimum to open: $20,000
• Key benefit: Earns interest above $20,000

Cache Valley Bank does not publish current savings rates directly in this account overview, so customers should verify current rates with the bank before opening an account.

Certificates of Deposit

Cache Valley Bank offers certificates of deposit (CDs) for customers who want to set money aside for a fixed period in exchange for a stated rate of return. The bank offers multiple term lengths, but current rates and detailed conditions can change and should be confirmed directly with Cache Valley Bank.

Certificates of Deposit

• Monthly fee: $0
• Minimum balance requirement: Not stated
• Minimum to open: Varies by term
• Key benefit: Fixed-term savings option with a stated return

Customers should review the current term options, opening deposit requirements, early withdrawal penalties, and rates before opening a CD.

Cache Valley Bank Credit Cards

cachevalleybank.com | Credit Cards

Cache Valley Bank offers 2 personal Visa credit cards: Visa Classic and Visa Gold. Both cards participate in the Rewards ScoreCard® program and are available in different credit limit tiers.

Visa Classic

Visa Classic is the bank’s standard personal credit card.

Best for: Customers looking for a straightforward everyday credit card.

• Annual fee: $0
• Welcome bonus: None
• Intro offer: None
• Rewards: Rewards ScoreCard®
• Other perks: Fixed APR, no balance transfer fee, no cash advance transaction fee, and support for contactless and mobile wallet payments

Visa Gold

Visa Gold is designed for customers who qualify for a higher credit limit and a lower fixed APR.

Best for: Customers who qualify for a higher credit limit and want a lower interest rate than the Visa Classic.

• Annual fee: $0
• Welcome bonus: None
• Intro offer: None
• Rewards: Rewards ScoreCard®
• Other perks: Higher credit limit of $5,000 and above, lower fixed APR than Visa Classic, no balance transfer fee, no cash advance transaction fee, and support for contactless and mobile wallet payments

Credit card rates, fees, and terms can change, so applicants should confirm current details directly with Cache Valley Bank before applying.

Loans

cachevalleybank.com | Loans

Cache Valley Bank offers several personal lending options for customers who need financing for vehicles, major purchases, unexpected expenses, or other borrowing needs.

Personal Loans

Cache Valley Bank offers personal loans for a variety of everyday financing needs.

Best for: Customers who need funds for major expenses, debt consolidation, or other personal purposes.

Auto Loans

The bank provides financing for new and used vehicles.

Best for: Customers purchasing or refinancing a vehicle.

Mortgages and Home Loans

Cache Valley Bank also provides a range of home financing options, including mortgage and home equity products.

Mortgage Loans

Mortgage options include financing for home purchases, refinancing, construction, lots, second homes, and investment properties.

Best for: Homebuyers, homeowners refinancing, or customers building a new home.

Home Equity Loans and HELOCs

Homeowners may also be able to borrow against their home equity through home equity loans or home equity lines of credit (HELOCs).

Best for: Homeowners who want to use available home equity for renovations, large expenses, or other borrowing needs.

Business Banking

Cache Valley Bank provides a full range of business banking products and services for companies of different sizes, from small businesses to larger commercial customers. In addition to business deposit accounts, the bank offers commercial lending, treasury management, merchant services, and SBA financing.

Business Checking

Cache Valley Bank offers multiple business checking accounts designed for different transaction volumes and business needs.

Best for: Businesses looking for an everyday operating account with local banking support.

Business Savings and Money Market Accounts

Businesses can also choose from savings and money market accounts to manage operating reserves while maintaining access to funds.

Best for: Businesses that want to separate operating cash from longer-term reserves.

Business Loans

Cache Valley Bank provides a variety of commercial financing options, including commercial real estate loans, equipment financing, business lines of credit, agricultural loans, construction financing, and SBA loans.

Best for: Businesses seeking financing for growth, property purchases, equipment, or working capital.

Treasury Management and Merchant Services

The bank offers treasury management tools such as ACH services, wire transfers, Positive Pay, remote deposit capture, lockbox services, business online banking, and fraud prevention solutions. Businesses can also access merchant services for accepting card payments.

Best for: Businesses that process payments, manage payroll, or need advanced cash management services.

Conclusion

Founded in 1975 as North Park Bank of Commerce, Cache Valley Bank has grown from a local community bank in Logan into a regional institution serving customers across Utah and southern Idaho. Through a combination of organic growth and acquisitions, the bank has expanded its branch network while continuing to offer local banking and lending services.

Today, Cache Valley Bank provides a broad range of financial products, including checking and savings accounts, certificates of deposit, credit cards, personal loans, mortgages, business banking, commercial lending, and treasury management services. Because account features, rates, fees, and loan terms may change over time—and some product details are not fully published on the bank’s website—customers should verify the latest information directly with Cache Valley Bank before opening an account or applying for a loan.

Related Banks

Disclaimer:
This page is not affiliated with, maintained by, or sponsored by Cache Valley Bank. The information provided in this overview may be outdated or inaccurate after the publication date. UtahFi does not assume responsibility for the accuracy of the content. The logo is a registered trademark of Cache Valley Bank.