Credit union · NCUA insured
Ascent Credit Union CD Rates
Top CarrotAscent Credit Union’s best CD rate is 4.45% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Ascent Credit Union’s CD rates compare
Compared with banks and credit unions near Ogden, UT, where Ascent Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ascent Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $910
Certificates of Deposit
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
Utah Power Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $9
- Earns on $10,000
- $450
Ascent Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ascent Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.45%APY · 8 terms
Minimum opening deposit $500. Terms vary from 3 to 60 months. Early withdrawal penalties apply. Fixed interest rate compounded and paid quarterly. Rate match available for same product from local credit unions (conditions may apply). Members of the VIP Club can earn higher interest rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounded and paid quarterly | 3.90% | $96 |
| 6 monthsInterest compounded and paid quarterly | 4.00% | $198 |
| 12 monthsInterest compounded and paid quarterly | 4.05% | $405 |
| 18 monthsInterest compounded and paid quarterly | 4.15% | $629 |
| 24 monthsInterest compounded and paid quarterly | 4.45% | $910 |
| 36 monthsInterest compounded and paid quarterly | 4.35% | $1,363 |
| 48 monthsInterest compounded and paid quarterly | 4.35% | $1,857 |
| 60 monthsInterest compounded and paid quarterly | 4.40% | $2,402 |
Sources (1)
- ascentcu.com/cds · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.45%APY · 8 terms
Minimum opening deposit $500. Terms vary from 3 to 60 months. Choose between Traditional IRA CD or Roth IRA CD. Early withdrawal fees apply (except RMD withdrawals). Fixed interest rate compounded and paid quarterly. Members of the VIP Club can earn higher interest rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounded and paid quarterly | 3.90% | $96 |
| 6 monthsInterest compounded and paid quarterly | 4.00% | $198 |
| 12 monthsInterest compounded and paid quarterly | 4.05% | $405 |
| 18 monthsInterest compounded and paid quarterly | 4.15% | $629 |
| 24 monthsInterest compounded and paid quarterly | 4.45% | $910 |
| 36 monthsInterest compounded and paid quarterly | 4.35% | $1,363 |
| 48 monthsInterest compounded and paid quarterly | 4.35% | $1,857 |
| 60 monthsInterest compounded and paid quarterly | 4.40% | $2,402 |
Sources (1)
- ascentcu.com/iras · captured Oct 15, 2026
Who can join Ascent Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, worships, or volunteers in Box Elder, Davis, Morgan, or Weber county.
Cost to join
- An initial deposit of $5 into a Share Savings account is required to establish membership and ownership.
Membership information collected October 4, 2026.