Bank · FDIC insured
Celtic Bank CD Rates
Celtic Bank’s best CD rate is 3.90% APY on a 1-year CD. Terms run from 6 months to 10 years. Rates checked October 22, 2026.
How Celtic Bank’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Celtic Bank has the most branches. $10,000, best rate first.
This bank’s best
Celtic Bank
3.90%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $390
Celtic CD Account
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Sallie Mae
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Celtic Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.54%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.87%
- 31–60 months31–60 mo2.79%
- QualifiedQualified3.90%
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 Celtic Bank 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.
Celtic CD Account
Up to 3.90%APY · 8 terms
Fixed rate on entire balance for length of CD term. Interest may be compounded or mailed via check. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.54% | $175 |
| 12 months | 3.90% | $390 |
| 18 months | 3.87% | $586 |
| 24 months | 2.28% | $461 |
| 36 months | 2.58% | $794 |
| 48 months | 2.28% | $944 |
| 60 months | 2.79% | $1,475 |
| 120 months | 2.84% | $3,232 |
Sources (1)
- celticbank.com/saving-cds · captured Sep 24, 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.