Credit union · NCUA insured
Ridgeline Credit Union CD Rates
Top CarrotRidgeline Credit Union’s best CD rate is 4.20% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Ridgeline Credit Union’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Ridgeline Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ridgeline Credit Union
4.20%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,284
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
Ridgeline Credit Union CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
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 Ridgeline 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.
Certificates
Up to 4.20%APY · 6 terms
Requires membership with a $25.00 share deposit in Regular Shares and membership eligibility. Early withdrawal penalty applies for early withdrawals/early maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRate is fixed for the full term. Early withdrawal penalty applies | 3.75% | $186 |
| 12 monthsRate is fixed for the full term. Early withdrawal penalty applies | 3.85% | $385 |
| 24 monthsRate is fixed for the full term. Early withdrawal penalty applies | 4.05% | $826 |
| 36 monthsRate is fixed for the full term. Early withdrawal penalty applies | 4.10% | $1,281 |
| 48 monthsRate is fixed for the full term. Early withdrawal penalty applies | 4.15% | $1,766 |
| 60 monthsRate is fixed for the full term. Early withdrawal penalty applies | 4.20% | $2,284 |
Sources (1)
- ridgelinecu.com/rates · captured Oct 22, 2026
Who can join Ridgeline Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship, volunteer, or attend school in Salt Lake City, Utah.
Employers and groups
- Employees of Ridgeline Credit Union are eligible for membership.
Family and household
- Membership is open to members of the immediate family (spouse, child, sibling, parent, grandparent, grandchild, including step- and adoptive relationships) or household of eligible persons, and organizations of such persons.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Businesses and other legal entities located in Salt Lake City, Utah are eligible for membership.
- Members of record as of September 26, 2017 are eligible for membership.
Cost to join
- Membership requires a $25.00 share deposit representing a share in the credit union.
Membership information collected October 4, 2026.