Bank · FDIC insured
Merrick Bank CD Rates
Merrick Bank’s best CD rate is 4.91% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Merrick Bank’s CD rates compare
Compared with banks and credit unions in Utah, where Merrick Bank has the most branches. $10,000, best rate first.
This bank’s best
Merrick Bank
4.91%APY
- Term
- 24 months
- Minimum
- $25,000
- Earns on $10,000
- —
High Yield Certificates of Deposit (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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield Certificates of Deposit (CD)
Up to 4.91%APY · 9 terms
Account owners must be at least 18 years old with a valid U.S. street address (no P.O. Box). Minimum opening deposit of $25,000 must be deposited in a single transaction via ACH. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum deposit of $25,000 required in a single transaction | 4.08% | $100 |
| 6 monthsMinimum deposit of $25,000 required in a single transaction | 4.24% | $210 |
| 9 monthsMinimum deposit of $25,000 required in a single transaction | 4.45% | $332 |
| 12 monthsMinimum deposit of $25,000 required in a single transaction | 4.65% | $465 |
| 18 monthsMinimum deposit of $25,000 required in a single transaction | 4.90% | $744 |
| 24 monthsMinimum deposit of $25,000 required in a single transaction | 4.91% | $1,006 |
| 36 monthsMinimum deposit of $25,000 required in a single transaction | 4.60% | $1,444 |
| 48 monthsMinimum deposit of $25,000 required in a single transaction | 4.60% | $1,971 |
| 60 monthsMinimum deposit of $25,000 required in a single transaction | 4.65% | $2,552 |
Sources (1)
- merrickbank.com/deposit-accounts · 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.