Bank · FDIC insured
Bank of Utah CD Rates
Bank of Utah’s best CD rate is 4.35% APY on an 18-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Bank of Utah’s CD rates compare
Compared with banks and credit unions near Ogden, UT, where Bank of Utah has the most branches. $10,000, best rate first.
This bank’s best
Bank of Utah
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
Certificates of Deposit (CDs)
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
Bank of Utah CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.35%
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 Bank of Utah ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 4.35%APY · 11 terms
Must be 18 years of age or older. Daily balance method used to calculate interest. Interest compounded and credited quarterly on terms of 1 year or more, and at maturity on terms of less than 1 year. Early withdrawal penalty applies.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 month30 Days term. Open in branch | — | 0.45% | 0.45% | $4 |
| 2 months60 Days term. Open in branch | 1.00% | — | 1.00% | $17 |
| 3 months90 Days term. Open online or in branch | 3.90% | — | 3.90% | $96 |
| 6 months6 Months (calculated as 182 days). Open online or in branch | 4.05% | — | 4.05% | $200 |
| 12 months1 Year term. Open online or in branch | 4.30% | — | 4.30% | $430 |
| 18 months18 Months term. Open online or in branch | 4.35% | — | 4.35% | $660 |
| 24 months2 Years term. Open online or in branch | 4.05% | — | 4.05% | $826 |
| 30 months30 Months term. Open in branch | 3.30% | — | 3.30% | $846 |
| 36 months3 Years term. Open online or in branch | 3.90% | — | 3.90% | $1,216 |
| 48 months4 Years term. Open online or in branch | 3.03% | — | 3.03% | $1,268 |
| 60 months5 Years term. Open online or in branch | 3.03% | — | 3.03% | $1,610 |
Super Saver Certificate of Deposit
4.30%APY · 1 term
Allows subsequent deposits during the 1-year term. No monthly maintenance fee attached. Interest compounded and credited quarterly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year term. Open online or in branch. Allows additional deposits throughout the term | 4.30% | $430 |
High-Yield CD Special
Up to 2.75%APY · 1 term
Promotional rate effective 8/11/2019 to 9/30/2019. Requires $100,000 minimum opening deposit, $1,000,000 maximum deposit. Must be new money not currently on deposit with Bank of Utah (existing money qualifies for 2.39% APY).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPromotional rate for new money not currently on deposit with Bank of Utah. Effective 8/11/2019 to 9/30/2019 | 2.75% | — |
| 18 monthsRate for existing money in Bank of Utah. Effective 8/11/2019 to 9/30/2019 | 2.39% | — |
Sources (1)
- bankofutah.com/stretch-your-sa…s-with-a-bank-of-utah-cd · captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 4.35%APY · 3 terms
Available as Traditional or Roth IRA CD. Must be opened in branch. Allows additions to investment over the term in accordance with IRS limits. Early withdrawal penalty applies, and federal penalties apply for distributions before age 59 1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month fixed IRA APY. In-branch only | 4.05% | $200 |
| 18 months18 Month fixed IRA APY. In-branch only | 4.35% | $660 |
| 30 months30 Month fixed IRA APY. In-branch only | 3.30% | $846 |
Sources (1)
- bankofutah.com/personal/checki…gs/individual-retirement · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.