Credit union · NCUA insured
Wasatch Peaks Credit Union CD Rates
Wasatch Peaks Credit Union’s best CD rate is 3.95% APY on a 1-year share certificate (CD). Rates checked October 22, 2026.
How Wasatch Peaks Credit Union’s CD rates compare
Compared with banks and credit unions near Ogden, UT, where Wasatch Peaks Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wasatch Peaks Credit Union
3.95%APY
- Term
- 12 months
- Minimum
- $10
- Earns on $10,000
- $395
Dedicated Saver Certificate
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
Utah Power Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $9
- Earns on $10,000
- $450
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Dedicated Saver Certificate
3.95%APY · 1 term
Requires scheduled monthly automatic transfers/deposits of at least $10 via direct deposit, automatic transfer, or payroll deduction. Maximum manual transfer/deposit of up to $10,000 per month. Terms range from 3 to 60 months. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest computed daily and paid monthly. Requires automatic transfer of at least $10 per month | 3.95% | $395 |
Sources (2)
All captured Oct 15, 2026
Flex Certificate
3.70%APY · 1 term
Minimum opening deposit is $50. Maximum limit is $100,000 with a maximum deposit of $10,000 per month. Extra deposits allowed anytime. Withdrawals permitted in the first three business days of each quarter (January, April, July, October).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest is computed daily and paid monthly | 3.70% | $370 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Educational IRA Certificate
Up to 4.50%APY · 9 terms
Also known as Coverdell ESA Certificate. Must open and contribute before beneficiary turns 18. Contributions from earned, post-tax income up to $2,000 per year across all family members. Funds must be withdrawn before age 30 for eligible educational expenses to remain tax-free.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly | 3.85% | $95 |
| 6 monthsDividends paid monthly | 3.90% | $193 |
| 12 monthsDividends paid monthly | 3.95% | $395 |
| 18 monthsDividends paid monthly | 4.50% | $683 |
| 24 monthsDividends paid monthly | 4.20% | $858 |
| 30 monthsDividends paid monthly | 4.25% | $1,097 |
| 36 monthsDividends paid monthly | 4.30% | $1,346 |
| 48 monthsDividends paid monthly | 4.35% | $1,857 |
| 60 monthsDividends paid monthly | 4.40% | $2,402 |
Sources (2)
All captured Oct 15, 2026
IRA Certificate
Up to 4.50%APY · 9 terms
Available as Traditional or Roth IRA. Must have earned income. Contribution limits up to $7,000/year ($8,000 if age 50 or older) for 2025. Terms range from 3 to 60 months. Bump Option available with rate 0.15% points less than the stated rate. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly | 3.85% | $95 |
| 6 monthsDividends paid monthly | 3.90% | $193 |
| 12 monthsDividends paid monthly | 3.95% | $395 |
| 18 monthsDividends paid monthly | 4.50% | $683 |
| 24 monthsDividends paid monthly | 4.20% | $858 |
| 30 monthsDividends paid monthly | 4.25% | $1,097 |
| 36 monthsDividends paid monthly | 4.30% | $1,346 |
| 48 monthsDividends paid monthly | 4.35% | $1,857 |
| 60 monthsDividends paid monthly | 4.40% | $2,402 |
Sources (2)
All captured Oct 15, 2026
Share Certificate
Up to 4.50%APY · 9 terms
Membership required (immediate family member of existing member-owner, or live/work/worship/attend school in Weber, Morgan, or Davis Counties, UT). Early withdrawal penalties may apply. Bump Option available on all Regular & IRA Certificate Accounts with rate 0.15% points less than the stated rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid monthly | 3.85% | $95 |
| 6 monthsDividends paid monthly | 3.90% | $193 |
| 12 monthsDividends paid monthly | 3.95% | $395 |
| 18 monthsDividends paid monthly | 4.50% | $683 |
| 24 monthsDividends paid monthly | 4.20% | $858 |
| 30 monthsDividends paid monthly | 4.25% | $1,097 |
| 36 monthsDividends paid monthly | 4.30% | $1,346 |
| 48 monthsDividends paid monthly | 4.35% | $1,857 |
| 60 monthsDividends paid monthly | 4.40% | $2,402 |
Sources (1)
- wasatchpeaks.com/certificates · captured Oct 15, 2026
Who can join Wasatch Peaks Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or conduct business in Weber, Davis, or Morgan Counties, or in select underserved communities in Box Elder, Salt Lake, Summit, Utah, Tooele, and Juab Counties are eligible to join.
Employers and groups
- Individuals who support / join the Community Impact Fund (CIF) (free of charge) are eligible to join.
- Members of Trails Foundation of Northern Utah (TFNU.org) are eligible to join, with enrollment covered at no additional cost by Wasatch Peaks.
Family and household
- Immediate family members of an existing member-owner are eligible to join.
Membership information collected October 4, 2026.