CCBank: Overview
CCBank, the public-facing brand of Capital Community Bank, is a community bank founded in 1993 in Orem. Utah under the name of Orem Community Bank. It’s main offices are now located in Pleasant Grove, UT. It serves individuals, families, and businesses through branch offices in Utah, Salt Lake, and Washington counties, giving it a local footprint that remains focused on Utah rather than a broader multi-state branch network.
CCBank: Corporate Office
1835 W. State Street
Pleasant Grove, UT 84062
Cities where CCBank operates include:
Orem, Pleasant Grove, Provo, Salem, Sandy, Spanish Fork, St. George.
Expansion
CCBank began in 1993 in Orem, Utah, and over time it expanded from a single local office into a broader Utah branch network. Today, its locations include Orem, Provo, Pleasant Grove, Salem, Sandy, St. George, and Spanish Fork, showing a growth path that has remained focused within Utah rather than outside the state.
Its expansion has also gone beyond physical branches. Limelight Bank, the bank’s online division, reflects CCBank’s move into digital banking through an online-only brand focused on certificates of deposit (CDs). That gives the institution a broader reach on the deposit side while keeping its branch network centered in Utah.
In recent years, that growth has included both branch expansion and a wider lending platform. In 2024, CCBank announced the acquisition of Security Home Mortgage, a move that expanded its mortgage capabilities. In 2025, the bank also announced a new full-service branch in Spanish Fork and plans for a future flagship branch in Orem that will replace the existing Orem location.
Together, these developments show a community bank that has grown in several ways: through local branches, through an online-only CD platform, and through a stronger mortgage operation. That combination helps explain how CCBank has expanded while still staying closely tied to its Utah base.
Personal Banking
ccbank.com | Products
CCBank’s personal banking lineup is built around the main deposit products many customers look for in a community bank. Its visible consumer accounts include checking, savings, money market accounts, and CDs, giving customers options for everyday banking, short-term savings, and longer-term deposits. Rather than offering an overly large product menu, the bank appears to focus on a smaller group of core account types supported by online and mobile banking tools. Its deposits are FDIC-insured. Read what FDIC Insurance means for Utah bank customers.
Checking Accounts
CCBank’s personal checking lineup appears to center on 2 main options: Personal Manager Checking and Personal Manager Plus Checking. At a high level, these accounts look closely related, with Personal Manager Plus Checking serving as the higher-balance version for customers who want to earn more from their checking relationship. Read what you need to open a checking account in Utah.
Personal Manager Checking
A standard personal checking account designed for everyday banking.
- Monthly fee: $0
- Minimum opening deposit: $25
- Includes a CCBank Mastercard debit card
Personal Manager Plus Checking
A higher-balance checking account for customers who want interest-earning potential in their everyday account.
- Monthly fee: $0
- Minimum opening deposit: $25
- Requires a $5,000 minimum balance to earn the listed APY
Savings Accounts
CCBank’s savings side includes both a traditional savings option and a money market account, giving customers more than 1 way to hold funds outside checking. The savings account is positioned as the simpler option for building reserves, while the money market account is designed for customers who want higher balances, tiered returns, and more flexible access to their funds.
High-Yield Savings
A savings account designed for customers who want to earn interest without locking funds into a fixed term.
- Monthly fee: $0
- Minimum opening deposit: $100
Money Market Account
A deposit account designed for customers who want a blend of liquidity and higher returns.
- Monthly fee: $0
- Minimum opening deposit: $1,000
- Offers tiered interest rates
- Includes check-writing flexibility
Certificates of Deposit (CDs)
CCBank also offers certificates of deposit (CDs) for customers who want a fixed-term deposit option rather than keeping all savings in checking or money market accounts. Its visible CD lineup includes terms ranging from 6 months to 60 months, giving customers several time-based savings options within the bank’s broader deposit mix. Other online CD options are also available through Limelight Bank, which CCBank lists among its subsidiary companies.
- Monthly fee: $0
- Minimum opening deposit: $1,000
- Available in terms of 6, 12, 18, 24, 36, and 60 months
- Offers a fixed rate for the selected term
Business Banking
CCBank’s business banking services are designed for companies that need both deposit accounts and financing support from a local bank. Its business lineup includes business checking, business savings, money market accounts, commercial loans, SBA loans, and treasury-related services, giving it a broader role than a bank focused only on basic deposits.
Business Deposit Accounts
CCBank’s visible business deposit accounts include Business Manager Checking, Business Savings, and Business Manager Connect. Together, these accounts give businesses options for everyday operating funds, reserve balances, and higher-liquidity cash management.
Business Manager Checking
This is CCBank’s business checking account for day-to-day company banking.
Business Savings
CCBank also offers Business Savings for businesses that want to keep reserve funds in a separate deposit account.
Business Manager Connect
This account appears to function as a business money market account, giving businesses a way to manage larger balances with more liquidity.
Business Loans
Commercial Loans
On the lending side, CCBank provides commercial and industrial loans for businesses that need financing for operations, growth, equipment, or other business needs.
SBA Loans
The bank also offers SBA 7(a) and SBA 504 loans, which are commonly used by small businesses for expansion, equipment, real estate, and other longer-term financing needs.
Business Services
In addition to accounts and loans, CCBank highlights services such as ACH, merchant services, and online and mobile banking, which help businesses manage payments and day-to-day money movement.
Taken together, these products show that CCBank’s business banking platform is built to serve not only basic deposit needs, but also the financing and operational needs of small and midsize businesses in Utah.
Home Loans
SecurityHomeMortgage.com | Mortgage division of CCBank
CCBank’s home lending platform includes services offered through Security Home Mortgage, the mortgage company it added in 2024. Alongside that mortgage platform, the bank also highlights HELOCs and Construction & Lot Loans, showing that its home-finance offering goes beyond a basic mortgage page.
Mortgage Loans
CCBank’s mortgage lending is presented through Security Home Mortgage, which supports the bank’s broader home-finance platform for borrowers looking to purchase a home.
Refinance Options
The bank’s mortgage platform also supports refinancing, making it relevant for homeowners who want to replace or update an existing home loan.
Home Equity Line of Credit (HELOC)
CCBank offers a HELOC for homeowners who want to borrow against available equity while keeping flexible access to funds.
Construction & Lot Loans
The bank also lists Construction & Lot Loans for customers financing a home build, land purchase, or related project.
Conclusion
CCBank, the public-facing brand of Capital Community Bank, is a Utah community bank with roots going back to 1993 in Orem. Over time, it has grown from a single local office into a broader Utah institution with branches in multiple parts of the state, while still maintaining a regional identity centered on Utah.
Its overall product mix reflects that community-bank role. On the personal side, CCBank offers checking accounts, savings, money market accounts, CDs, and personal credit cards. It also participates in lending through consumer borrowing, home-equity products, mortgage lending through Security Home Mortgage, and construction-related financing. On the business side, the bank provides business deposit accounts, commercial lending, and SBA-related services for local companies.
CCBank stands out as a bank that combines a local Utah presence with a broad mix of everyday banking and lending services. Rather than focusing on 1 narrow specialty, it operates as a full-service community bank serving both households and businesses across its Utah footprint.
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Disclaimer:
This page is not affiliated with, maintained by, or sponsored by CCBank. 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 CCBank.
