Credit union · NCUA insured
Deseret First Credit Union CD Rates
Top CarrotDeseret First Credit Union’s best CD rate is 4.50% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Deseret First Credit Union’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Deseret First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Deseret First Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $920
Regular Share Certificates
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
Deseret First Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Deseret First 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.
Jumbo Share Certificates
Up to 4.50%APY · 6 terms
Membership required; eligibility requirements apply. Minimum balance for Jumbo Share Certificates is $75,000. Fees could reduce earnings. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsStandard rate. Minimum balance is $75,000 | 3.95% | — |
| 12 monthsStandard rate. Minimum balance is $75,000 | 4.05% | — |
| 24 monthsStandard rate. Minimum balance is $75,000 | 4.50% | — |
| 36 monthsStandard rate. Minimum balance is $75,000 | 4.35% | — |
| 48 monthsStandard rate. Minimum balance is $75,000 | 4.40% | — |
| 60 monthsStandard rate. Minimum balance is $75,000 | 4.50% | — |
Sources (1)
- dfcu.com/rates · captured Oct 22, 2026
Regular Share Certificates
Up to 4.50%APY · 7 terms
Membership required; eligibility requirements apply. Minimum balance to open the account and earn the advertised APY is $500.00. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 0.05% | $1 |
| 6 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 3.95% | $196 |
| 12 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.05% | $405 |
| 24 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.50% | $920 |
| 36 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.35% | $1,363 |
| 48 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.40% | $1,880 |
| 60 monthsFeatured promotional offer for 60-Month Share Certificate. $500 minimum deposit required to open the certificate and earn the stated APY. Membership required; eligibility requirements apply | 4.50% | $2,462 |
| 60 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.50% | $2,462 |
Sources (3)
All captured Oct 22, 2026
Special-purpose accounts
IRA Jumbo Share Certificates
Up to 4.50%APY · 6 terms
Membership required; eligibility requirements apply. Minimum balance for IRA Jumbo Share Certificates is $75,000. Fees could reduce earnings. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsStandard rate. Minimum balance is $75,000 | 3.95% | — |
| 12 monthsStandard rate. Minimum balance is $75,000 | 4.05% | — |
| 24 monthsStandard rate. Minimum balance is $75,000 | 4.50% | — |
| 36 monthsStandard rate. Minimum balance is $75,000 | 4.35% | — |
| 48 monthsStandard rate. Minimum balance is $75,000 | 4.40% | — |
| 60 monthsStandard rate. Minimum balance is $75,000 | 4.50% | — |
IRA Share Certificates
Up to 4.50%APY · 7 terms
Membership required; eligibility requirements apply. Minimum balance to open the account and earn the advertised APY for IRA Share Certificates is $500.00. Fees could reduce earnings. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 0.05% | $1 |
| 6 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 3.95% | $196 |
| 12 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.05% | $405 |
| 24 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.50% | $920 |
| 36 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.35% | $1,363 |
| 48 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.40% | $1,880 |
| 60 monthsStandard rate. Minimum balance to open and earn advertised APY is $500.00 | 4.50% | $2,462 |
Sources (1)
- dfcu.com/rates · captured Oct 22, 2026
Who can join Deseret First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of The Church of Jesus Christ of Latter-day Saints or affiliated organizations and select employer groups are eligible for membership.
- Current employees of Deseret First Credit Union are eligible for membership.
Family and household
- Immediate family of eligible members qualify for credit union membership.
Other ways
- Members of The Church of Jesus Christ of Latter-day Saints are eligible for membership.
Cost to join
- A $5 initial membership share deposit is required to establish membership.
Membership information collected October 4, 2026.