Bank · FDIC insured
Home Savings Bank CD Rates
Home Savings Bank’s best CD rate is 4.35% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Home Savings Bank’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Home Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Home Savings Bank
4.35%APY
- Term
- 18 months
- Minimum
- $10,000
- Earns on $10,000
- $660
Internet Certificate of Deposit
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
Home Savings Bank CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.35%
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 Home Savings 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.
Certificate of Deposit
Up to 4.35%APY · 8 terms
No service fees. In branch opening option available. Interest compounded daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.10% | $203 |
| 12 months | 4.30% | $430 |
| 18 months | 4.35% | $660 |
| 21 monthsBump It Up CD offers a one-time rate increase to prevailing posted interest rates during the term of account. Additional deposits greater than $1,000 allowed during the term of account | 4.20% | $747 |
| 24 months | 4.35% | $889 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- hsbutah.com/rates · captured Oct 22, 2026
Internet Certificate of Deposit
Up to 4.35%APY · 7 terms
Online opening only. Opening deposit $10,000 - $250,000. Limited to Individual or Joint Ownership (beneficiaries allowed). Online statements only. No service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application | 4.10% | $203 |
| 12 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application | 4.30% | $430 |
| 18 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application | 4.35% | $660 |
| 24 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application | 4.35% | $889 |
| 36 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application | 3.00% | $927 |
| 48 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application | 3.00% | $1,255 |
| 60 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application | 3.00% | $1,593 |
Special-purpose accounts
Fixed Rate IRA
Up to 4.35%APY · 7 terms
Traditional or Roth available. FDIC insured term deposits. In branch opening option available. Free online or mailed statements. No monthly fee. Interest compounded daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.10% | $203 |
| 12 months | 4.30% | $430 |
| 18 months | 4.35% | $660 |
| 24 months | 4.35% | $889 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Internet Fixed Rate IRA
Up to 4.35%APY · 7 terms
Traditional or Roth available. FDIC insured term deposits. Online opening only. Opening deposit $10,000 - $250,000. Online statements only. No monthly fee. Interest compounded daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts | 4.10% | $203 |
| 12 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts | 4.30% | $430 |
| 18 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts | 4.35% | $660 |
| 24 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts | 4.35% | $889 |
| 36 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts | 3.00% | $927 |
| 48 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts | 3.00% | $1,255 |
| 60 monthsEach Individual is limited to $250,000 in any one or combination of Online Certificate Accounts | 3.00% | $1,593 |
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.