Skip to content
Some companies pay us when you click their button. Paying partners are labeled and can be listed first. Some companies pay us. Partners are labeled. Advertiser disclosure
Reviews A to Z For Brands

Limelight Bank Review: Competitive CD Rates & High-Yield Savings

Limelight Bank now goes by Accordia Bank. Its parent, Capital Community Bank, changed its legal name to Quill Bank in June 2026, and limelightbank.com redirects to accordia.bank.

By Krystine Carneiro, Contributor. See their work.Published May 21, 2026Updated October 16, 2026This page was compiled from primary sources: company disclosures and terms, the BBB and regulators. Our ratings method is described on the methodology page.
Limelight Bank Competitive CD Rates & High-Yield Savings BestGuide rating
4.3/5 BestGuide rating: 4.3 out of 5. Set by our editors from reputation, services, transparency, customer satisfaction and scale. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

Best for: Savers outside Utah who want an FDIC-insured CD at 4.30% to 4.50% APY and can put at least $1,000 away.

Compare high-yield savings accounts
On this page13 sections
  1. Ratings and complaints
  2. Limelight Bank vs. competitors
  3. Pricing
  4. Step by step
  5. Limelight Bank legitimacy and licensing
  6. What happened to Limelight Bank
  7. Limelight (Accordia) Bank CD and savings rates
  8. The parent bank's partner lending
  9. Limelight Bank complaints and reviews
  10. Who should look elsewhere
  11. What customers say
  12. Alternatives
  13. FAQ
Our verdict

Limelight Bank is legitimate, but the name is gone: limelightbank.com now redirects to accordia.bank, the new name for Capital Community Bank (CCBank), whose legal name is now Quill Bank (FDIC certificate 33823). As listed October 12, 2026, online CDs pay 3.30% to 4.50% APY with a $1,000 minimum, and the high-yield savings account pays 4.10% APY nationwide (5.10% for Utah residents through January 31, 2027) with $100 to open. Deposits are FDIC insured up to $250,000. The tradeoffs are weekday-only phone support, an early withdrawal penalty the bank doesn't publish on its CD page, and a parent bank that consumer groups have criticized for high-rate partner lending.

Current name
Accordia Bank, a division of Quill Bank (formerly Capital Community Bank, or CCBank); limelightbank.com redirects to accordia.bank3
FDIC insurance
Quill Bank, Provo, Utah, FDIC certificate 33823, insured since July 29, 1993; legal name changed to Quill Bank June 30, 20265
CD rates
6 months 4.30%, 12 and 18 months 4.40%, 24 months 4.45%, 36 months 4.50%, 60 months 3.30% APY (effective October 12, 2026)1
CD minimum
$1,000 for every term1
Savings APY
4.10% APY for non-Utah residents; 5.10% for Utah residents, including a 1.00% Rebrand Boost on balances up to $500,000 through January 31, 2027 (rate effective August 19, 2026)2
Savings minimum and fees
$100 to open, no monthly fee, six free withdrawals a month, then $5 per withdrawal2
Early withdrawal penalty
Not published on the CD page; the bank says penalties may apply and to contact it for details1
Support
(801) 763-5066 or [email protected], Monday to Friday, 9 a.m. to 5 p.m. Mountain11

Limelight Bank ratings and complaint records

  • BBB A+ CCBank, accredited since August 9, 2023; 86 complaints in the last 3 years and 11 customer reviews View source
  • Bankrate 4.1 out of 5 Bankrate's own editorial rating; review now titled Accordia Bank (updated August 17, 2026): CDs 4.1, savings 4.6, customer experience 3.0 View source
  • Trustpilot 3.2 out of 5 limelightbank.com profile has a single review, unclaimed, so it tells you little View source
  • CFPB complaints 0 No complaints in the CFPB database mention Limelight View source
  • FDIC BankFind Active, insured Quill Bank, about $1.56 billion in assets and $1.31 billion in deposits as of June 30, 2026 View source

Pros

  • CD rates of 4.30% to 4.50% APY on 6 to 36 month terms as of October 12, 2026
  • Savings opens with $100 and has no monthly fee
  • FDIC insured through Quill Bank, chartered in 1993
  • BBB A+ and accredited since 2023
  • Now part of a full bank with checking, money market accounts and Utah branches

Cons

  • Limelight brand no longer exists, so old reviews and rate tables are out of date
  • Early withdrawal penalty not posted on the CD page
  • Phone support only on weekdays, 9 a.m. to 5 p.m. Mountain
  • $1,000 CD minimum is higher than Marcus's $500
  • The 5.10% savings rate is only for Utah residents and ends January 31, 2027

Best for: Savers outside Utah who want an FDIC-insured CD at 4.30% to 4.50% APY and can put at least $1,000 away.

Skip it if: You need weekend support, a published early withdrawal penalty before you sign, or a bank with no ties to high-rate partner lending.

Limelight Bank vs. competitors

Limelight Bank compared with competitors
CompanySavings APY (October 2026)CD minimumChecking accountMonthly feeNext step
Accordia Bank (formerly Limelight) 4.10% (5.10% Utah promo)$1,000Yes, at Accordia Bank$0
Bread Savings 4.05%$1,500No$0 Read review
Bask Bank 3.90%$1,000Yes, 1.00% APY$0 Read review
Marcus by Goldman Sachs 3.40% to 3.50%$500No$0 Read review

High-yield savings accounts we reviewed

  1. Limelight Bank This review BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Savers outside Utah who want an FDIC-insured CD at 4.30% to 4.50% APY and can put at least $1,000 away.
  2. CIT Bank Platinum Savings BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Savers who will keep at least $5,000 in the account at all times and want a no-fee online account backed by a large bank.
    Read review
  3. Openbank High Yield Savings BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Savers who want a high, fee free rate on cash they move in and out by transfer, and who are comfortable banking only through an app.
    Read review
  4. Bread Savings BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Savers who already bank elsewhere and want a higher rate on emergency savings or a CD ladder with no monthly fees.
    Read review
  5. Marcus by Goldman Sachs BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Savers who want a simple, fee-free place for an emergency fund or CD ladder at a large FDIC-insured bank.
    Read review
  6. Bask Bank BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Online savers who want fee-free savings and interest-bearing checking, or American Airlines flyers who value miles over interest.
    Read review
See all high-yield savings accounts, ranked

Limelight Bank pricing at a glance

Accordia Bank (formerly Limelight Bank) CDs and savings, as listed October 12, 20261

Account APY Minimum to open
6-month CD 4.30% $1,000
12-month CD 4.40% $1,000
18-month CD 4.40% $1,000
24-month CD 4.45% $1,000
36-month CD 4.50% $1,000
60-month CD 3.30% $1,000
High-Yield Savings, outside Utah 4.10% $100
High-Yield Savings, Utah residents 5.10% through January 31, 2027, then the base rate $100

CD rates effective October 12, 2026; savings rates effective August 19, 2026. Rates are variable on savings and can change before you open a CD. The Utah Rebrand Boost covers daily balances up to $500,000, one account per taxpayer ID. The bank does not list its CD early withdrawal penalty on the CD page.

Limelight Bank, step by step

  1. Compare the current rate

    Rates on accordia.bank change often, so check the CD and savings pages on the day you apply.

  2. Apply online

    Use the bank's online account opening form, which Accordia says is available nationwide. Expect the standard identity checks any U.S. bank runs.

  3. Fund the account

    Deposit at least $1,000 for a CD or $100 for savings by ACH transfer, wire, mobile check deposit (up to $25,000) or at a Utah branch.

  4. Ask about the CD penalty

    Before you lock money in a CD, ask support for the early withdrawal penalty in writing, since it isn't posted on the CD page.

  5. Decide at maturity

    When a CD ends you can withdraw the money or renew it; the bank notes the rate may change at renewal.

Limelight Bank legitimacy and licensing

Yes. Limelight Bank was the online brand of Capital Community Bank (CCBank) in Provo, Utah, a state-chartered bank insured by the FDIC since July 29, 1993 under certificate 33823. Your deposits are insured up to $250,000 per depositor, per ownership category.

What changed in 2026: the FDIC’s records show the bank’s legal name became Quill Bank on June 30, 2026, and the bank started operating its consumer banking as Accordia Bank on August 17, 2026. Today limelightbank.com redirects to accordia.bank, which describes itself as a division of Quill Bank, Member FDIC. Because Limelight, CCBank, Accordia and Quill are all the same insured bank, money you hold under more than one of those names counts toward a single $250,000 limit.

What happened to Limelight Bank

The bank announced on July 8, 2026 that CCBank and its mortgage arm, Security Home Mortgage, would become Accordia Bank and Accordia Mortgage, effective August 17, 2026. The bank says the change does not affect ownership, FDIC insurance. Federal protection for deposits at insured banks, at least $250,000 per depositor, per ownership category, per bank. Compare high-yield savings accounts, account numbers, debit cards or online banking, and that customers do not need to do anything. The routing number stays 124302927.

Separately, the bank rebranded its fintech partner business as Quill Bank in June 2026. Accordia’s rebrand materials do not mention Limelight by name, so if you held a Limelight CD, confirm your maturity date, renewal rate and login with support at (801) 763-5066.

Limelight (Accordia) Bank CD and savings rates

As listed October 12, 2026, Accordia’s online CDs pay 4.30% APY (annual percentage yield). The yearly return on a deposit including compounding, the standard number for comparing savings accounts. Compare high-yield savings accounts for 6 months, 4.40% for 12 and 18 months, 4.45% for 24 months, 4.50% for 36 months and 3.30% for 60 months, each with a $1,000 minimum. The page doesn’t split rates between Utah and other states.

The High-Yield Savings account pays 4.10% APY if you live outside Utah. Utah residents get a 1.00% Rebrand Boost, for 5.10% APY on balances up to $500,000, through January 31, 2027. Savings needs $100 to open, has no monthly fee and charges $5 for each withdrawal after six in a month. Interest is earned daily and paid monthly.

The CD page says only that early withdrawal penalties may apply and to contact the bank. Older Limelight pages listed 90 days of simple interest for terms of a year or less and 180 days for longer terms, but the bank no longer posts that, so get the current penalty in writing before you fund a CD.

What customers say about Limelight Bank

Recurring themes across the review sites and complaint records listed above, not individual quotes.

Common praise

  • CD and savings rates above the national average
  • Low $100 minimum for savings
  • FDIC insurance through a bank chartered since 1993

Common complaints

  • Slow replies and hard-to-reach phone support (Bankrate rates customer experience 3.0 of 5)
  • Few ways to move money compared with big online banks
  • Confusion about who the bank is, now made worse by two name changes in 2026

The parent bank's partner lending

On March 30, 2023, a coalition including the National Consumer Law Center, Consumer Federation of America and U.S. PIRG asked the FDIC to downgrade Capital Community Bank’s Community Reinvestment Act rating. The groups said the bank’s partnerships with nonbank lenders let those lenders make loans at up to 225% APR that state rate caps would otherwise block. These partnerships are the business the bank now runs under the Quill Bank name.

This doesn’t put your deposits at risk; FDIC insurance applies regardless. It matters if you care where your bank earns its money.

Limelight Bank complaints and reviews

Complaint volume about the deposit side is low. The CFPB database shows no complaints mentioning Limelight. CCBank’s BBB profile shows 86 complaints in three years with an A+ rating; that profile covers the whole bank, including its lending. Trustpilot has only one review for limelightbank.com, too few to judge.

The pattern in reviews is service, not safety: slow replies when opening a CD and limited weekday-only phone hours. Bankrate scores the bank’s customer experience 3.0 out of 5. To avoid problems, keep your CD confirmation and maturity notice, and set a reminder before the maturity date so a renewal doesn’t lock you in at a rate you didn’t choose.

Who should look elsewhere

If you want to move money often, need weekend help, or want a CD under $1,000, an online bank like Marcus or Bask fits better. If you’re in Utah, the 5.10% savings promo is strong until January 31, 2027, but plan for the rate to drop to the base rate after that.

Still deciding?Compare all

Alternatives to Limelight Bank

  • Bread Savings BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

    Similar savings rate with longer phone hours, including weekends.

    Read review
  • Marcus by Goldman Sachs BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

    A $500 CD minimum, no-penalty CDs and a published early withdrawal penalty.

    Read review
  • Bask Bank BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

    No minimum to open savings and a checking account with ATM access.

    Read review
  • TreasuryDirect (Treasury bills and I bonds)

    Buy directly from the U.S. Treasury with no bank in between, though money is locked up until the bill matures or, for I bonds, at least 12 months.

See all high-yield savings accounts, ranked

Limelight Bank reviews

Written by readers, read by our moderators, never edited by the company.

No reader reviews yet. If you have used Limelight Bank, yours will be the first.

Write a review
How do I know I can trust these reviews about Limelight Bank?
  • Every reviewer confirms an email address before a review can publish.
  • Our moderators read every review before it publishes.
  • Companies can respond publicly but can never edit, hide or remove a review.
  • Paying BestGuide never changes the reader rating or which reviews publish.

Read the review guidelines

Frequently asked questions

Is Limelight Bank still in business?

Not under that name. limelightbank.com now redirects to accordia.bank. The bank behind it, formerly Capital Community Bank, is now legally Quill Bank and runs its consumer banking as Accordia Bank.

Is Limelight Bank FDIC insured?

Yes. Deposits are insured through Quill Bank, FDIC certificate 33823, up to $250,000 per depositor, per ownership category. Limelight, CCBank and Accordia deposits all count toward the same limit.

Who owns Limelight Bank?

Limelight was a division of Capital Community Bank in Provo, Utah. That bank changed its legal name to Quill Bank on June 30, 2026 and now operates as Accordia Bank. The bank says its ownership and leadership did not change.

What are Limelight Bank's CD rates?

As listed October 12, 2026 under the Accordia name: 4.30% for 6 months, 4.40% for 12 and 18 months, 4.45% for 24 months, 4.50% for 36 months and 3.30% for 60 months. All need $1,000 to open.

What is the Limelight savings rate now?

4.10% APY for people outside Utah and 5.10% for Utah residents through January 31, 2027, with $100 to open and no monthly fee. The rate is variable.

What is the early withdrawal penalty?

Accordia's CD page doesn't list it and says to contact the bank. Older Limelight terms used 90 days of simple interest for terms up to a year and 180 days for longer terms, but confirm the current penalty before you open a CD.

Do I need to do anything if I had a Limelight account?

The bank says account numbers, the routing number (124302927), cards and online banking stay the same and no action is needed. It's still worth confirming your CD maturity date and login with support.

How do I contact Limelight Bank?

Call Accordia Bank at (801) 763-5066 or email [email protected], Monday to Friday, 9 a.m. to 5 p.m. Mountain time.

What is Limelight Bank's BBB rating?

The bank's BBB profile, listed as CCBank, has an A+ rating and accreditation since August 9, 2023, with 86 complaints in the last three years. That profile covers the whole bank, not only the online deposit accounts.

Does Limelight Bank have branches?

Limelight itself was online only. Accordia Bank has branches in Utah, including Provo, Orem, Pleasant Grove, Salem, Sandy, Spanish Fork and St. George, and online accounts can be opened from any state.

Sources (12)

Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards

  1. Accordia Bank: Personal CDs (accessed October 12, 2026)
  2. Accordia Bank: High-Yield Savings (accessed October 12, 2026)
  3. Accordia Bank: About our rebrand (accessed October 12, 2026)
  4. PR Newswire via WOWK: CCBank and Security Home Mortgage announce rebrand to Accordia (July 8, 2026) (accessed October 12, 2026)
  5. FDIC BankFind: Quill Bank, certificate 33823 (accessed October 12, 2026)
  6. Banking Dive: CCBank rebrands as Quill Bank (accessed October 12, 2026)
  7. BBB: CCBank business profile (accessed October 12, 2026)
  8. Trustpilot: Limelight Bank reviews (accessed October 12, 2026)
  9. Bankrate: Accordia Bank (formerly Limelight Bank) review (accessed October 12, 2026)
  10. National Consumer Law Center: FDIC should downgrade three banks engaged in rent-a-bank lending (March 30, 2023) (accessed October 12, 2026)
  11. Accordia Bank: Service Hub (contact and hours) (accessed October 12, 2026)
  12. CFPB: Consumer Complaint Database (accessed October 12, 2026)
How we make money

BestGuide is free to use. Some companies we review pay us when you visit their site or contact them through us. Compensation may influence which companies we feature and their order. It doesn't change what our reviews say. Advertising disclosure