Bank · FDIC insured
UIB CD Rates
UIB’s best CD rate is 4.32% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How UIB’s CD rates compare
Compared with banks and credit unions in Utah, where UIB has the most branches. $10,000, best rate first.
This bank’s best
UIB
4.32%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $214
Certificates of Deposit
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
UIB CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.32%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo3.34%
- QualifiedQualified4.32%
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 UIB 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.
Certificates of Deposit
Up to 4.32%APY · 8 terms
Interest compounded and paid quarterly or at maturity. Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.01% | $50 |
| 6 months | 4.32% | $214 |
| 12 months | 4.06% | $406 |
| 18 months | 3.03% | $458 |
| 24 months | 2.02% | $408 |
| 30 months | 3.03% | $775 |
| 36 months | 3.03% | $937 |
| 60 months | 3.34% | $1,785 |
Sources (2)
- uib.bank/doccenter/764d43b0178b48deb596b063cee2fb05
- uib.bank/accounts-services/dep…ngs-accounts-investments
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
Up to 3.91%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.91% | $391 |
| 18 months | 3.03% | $458 |
| 24 months | 2.02% | $408 |
| 30 monthsVariable rate IRA | 3.03% | $775 |
Sources (2)
- uib.bank/doccenter/764d43b0178b48deb596b063cee2fb05
- uib.bank/accounts-services/dep…ngs-accounts-investments
All captured Oct 15, 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.