Credit union · NCUA insured
Desert Rivers Credit Union CD Rates
Top CarrotDesert Rivers Credit Union’s best CD rate is 4.50% APY on a 2-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Desert Rivers Credit Union’s CD rates compare
Compared with banks and credit unions in Utah, where Desert Rivers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Desert Rivers Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $920
CD
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Happen Bank
4.76%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $975
Desert Rivers Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 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 Desert Rivers 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.
CD
Up to 4.50%APY · 6 terms
Savings certificates are subject to Early Withdrawal Penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90 days of dividend earned if withdrawal is 90 days or more from the date of purchase; if less than 90 days, penalty is amount earned to date | 4.00% | $198 |
| 9 monthsDiscontinued Terms: 9 mos. Discontinued CD terms will be renewed at 1.5% APY, we recommend switching to different term at CD renewal | 1.00% | $75 |
| 12 monthsEarly withdrawal penalty: 180 days of dividend earned if withdrawal is 180 days or more from the date of purchase; if less than 180 days, penalty is amount earned to date | 4.00% | $400 |
| 24 monthsEarly withdrawal penalty: 180 days of dividend earned if withdrawal is 180 days or more from the date of purchase; if less than 180 days, penalty is amount earned to date | 4.50% | $920 |
| 36 monthsEarly withdrawal penalty: 180 days of dividend earned if withdrawal is 180 days or more from the date of purchase; if less than 180 days, penalty is amount earned to date | 4.20% | $1,314 |
| 60 monthsEarly withdrawal penalty: 365 days of dividend earned if withdrawal is 365 days or more from the date of purchase; if less than 365 days, penalty is amount earned to date | 4.50% | $2,462 |
Sources (1)
- desertriverscu.com/accounts · captured Oct 9, 2026
Super CD
Up to 3.65%APY · 2 terms
Deposit money to the balance at any time. Savings certificates are subject to Early Withdrawal Penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthDeposit money to the balance at any time | 3.60% | $30 |
| 3 monthsDeposit money to the balance at any time | 3.65% | $90 |
Sources (1)
- desertriverscu.com/accounts · captured Oct 9, 2026
Special-purpose accounts
IRA CD
Up to 4.29%APY · 6 terms
Individual Retirement Accounts - Traditional and Roth.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 9 months | 1.00% | $75 |
| 12 months | 4.00% | $400 |
| 24 months | 4.29% | $876 |
| 36 months | 4.00% | $1,249 |
| 60 months | 4.05% | $2,196 |
Sources (1)
- desertriverscu.com/deposit-rates · captured Oct 9, 2026
Who can join Desert Rivers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Grand County are eligible for membership.
- Residents of Green River City are eligible for membership.
- Residents of San Juan County are eligible for membership.
Employers and groups
- Members of the Community Impact Fund Foundation are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership.
Other ways
- Existing members are eligible to open accounts.
Cost to join
- Savings/Shares account has a minimum balance of $25.
Membership information collected October 4, 2026.