Bank · FDIC insured
Central Bank Utah CD Rates
Top CarrotCentral Bank Utah’s best CD rate is 4.22% APY on a 6-month CD. Terms run from 2 months to 5 years. Rates checked October 22, 2026.
How Central Bank Utah’s CD rates compare
Compared with banks and credit unions near Provo, UT, where Central Bank Utah has the most branches. $10,000, best rate first.
This bank’s best
Central Bank Utah
4.22%APY
- Term
- 6–11 months
- Minimum
- $500
- Earns on $10,000
- —
Certificates of Deposit
Top rate
Happen Bank
4.76%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $975
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
Central Bank Utah CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.22%
- 9–15 months9–15 mo4.22%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo4.16%
- QualifiedQualified4.22%
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 Central Bank 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
Up to 4.22%APY · 7 terms
A minimum deposit of $500.00 is required to open any Certificate of Deposit. A minimum daily balance of $500 is required to earn interest. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2–5 monthsTerm is 60 Days to 5 Months. Minimum balance $500+ to earn interest | 1.46% | $24 |
| 6–11 monthsTerm is 6 Months to 11 Months. Minimum balance $500+ to earn interest | 4.22% | $209 |
| 12–23 monthsTerm is 12 Months to 23 Months. Minimum balance $500+ to earn interest | 4.22% | $422 |
| 24–35 monthsTerm is 24 Months to 35 Months. Minimum balance $500+ to earn interest | 4.06% | $828 |
| 36–47 monthsTerm is 36 Months to 47 Months. Minimum balance $500+ to earn interest | 4.06% | $1,268 |
| 48–59 monthsTerm is 48 Months to 59 Months. Minimum balance $500+ to earn interest | 4.06% | $1,726 |
| 60 monthsTerm is 60 Months. Minimum balance $500+ to earn interest | 4.16% | $2,260 |
Sources (3)
- cbutah.com/personal-banking/savings
- cbutah.com/personal-banking/sa…/certificates-of-deposit
- cbutah.com/resources/rates
All captured Oct 4, 2026
Special-purpose accounts
Personal Individual Retirement Accounts (IRAs)
Up to 4.22%APY · 5 terms
Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsTerm is 12 Months to 23 Months. Balance tier $100+ | 4.22% | $422 |
| 24–35 monthsTerm is 24 Months to 35 Months. Balance tier $100+ | 4.06% | $828 |
| 36–47 monthsTerm is 36 Months to 47 Months. Balance tier $100+ | 4.06% | $1,268 |
| 48–59 monthsTerm is 48 Months to 59 Months. Balance tier $100+ | 4.06% | $1,726 |
| 60 monthsTerm is 60 Months. Balance tier $100+ | 4.16% | $2,260 |
Sources (1)
- cbutah.com/resources/rates · captured Oct 4, 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.