Bank · FDIC insured
First Utah Bank CD Rates
First Utah Bank’s best CD rate is 4.10% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How First Utah Bank’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where First Utah Bank has the most branches. $10,000, best rate first.
This bank’s best
First Utah Bank
4.10%APY
- Term
- 12–23 months
- Minimum
- $500
- Earns on $10,000
- —
Promotional CD
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
First Utah Bank CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.15%
- QualifiedQualified4.10%
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 First Utah 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.
Promotional CD
Up to 4.10%APY · 3 terms
A penalty may be applied for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsA penalty may be applied for early withdrawal | 3.95% | $196 |
| 12–23 monthsA penalty may be applied for early withdrawal | 4.10% | $410 |
| 24 monthsA penalty may be applied for early withdrawal | 4.00% | $816 |
Sources (1)
- firstutahbank.com/rates · captured Oct 22, 2026
Fixed Rate CD
Up to 3.27%APY · 7 terms
A penalty may be applied for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty may be applied for early withdrawal | 3.15% | $156 |
| 12 monthsA penalty may be applied for early withdrawal | 3.27% | $327 |
| 18 monthsA penalty may be applied for early withdrawal | 3.27% | $494 |
| 24 monthsA penalty may be applied for early withdrawal | 3.19% | $648 |
| 36 monthsA penalty may be applied for early withdrawal | 2.99% | $924 |
| 48 monthsA penalty may be applied for early withdrawal | 3.07% | $1,286 |
| 60 monthsA penalty may be applied for early withdrawal | 3.15% | $1,677 |
Sources (1)
- firstutahbank.com/rates · 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.