Credit union · NCUA insured
Utah First Credit Union CD Rates
Top CarrotUtah First Credit Union’s best CD rate is 4.50% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Utah First Credit Union’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Utah First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Utah First Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $920
Traditional Term 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
Utah First Credit Union CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Utah First 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.
Traditional Term Deposit
Up to 4.50%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 4.10% | $621 |
| 24 months | 4.50% | $920 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.50% | $2,462 |
Sources (1)
- utahfirst.com/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Term Deposit
Up to 4.50%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 4.10% | $621 |
| 24 months | 4.50% | $920 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.50% | $2,462 |
Sources (1)
- utahfirst.com/rates · captured Oct 15, 2026
Who can join Utah First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals who join the Community Volunteers of Utah.
Family and household
- Membership is open to individuals who belong to a current member's immediate family.
Membership information collected October 4, 2026.