Bank · FDIC insured
Zions Bank CD Rates
Zions Bank’s best CD rate is 3.05% APY on a 3-month CD. Terms run from 1 month to 5 years. Rates checked October 4, 2026.
How Zions Bank’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Zions Bank has the most branches. $10,000, best rate first.
This bank’s best
Zions Bank
3.05%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $75
Standard Certificates of Deposit (CDs)
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Zions Bank CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo3.05%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo3.05%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.05%
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 Zions Bank 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.
Jumbo Certificates of Deposit (CDs)
Up to 3.05%APY · 11 terms
For CD deposit amounts of $100,000 and greater. Fixed interest rate, compounded daily. Apply in Person. Penalties assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsTerm 7 DAY. Fixed rate. Rates displayed for Idaho and Utah | 0.00% | — |
| 1 monthTerm 1 MONTH. Fixed rate. Rates displayed for Idaho and Utah | 0.10% | — |
| 3 monthsTerm 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
| 6 monthsTerm 6 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
| 9 monthsTerm 9 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
| 12 monthsTerm 12 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
| 18 monthsTerm 18 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
| 24 monthsTerm 24 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
| 36 monthsTerm 36 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
| 48 monthsTerm 48 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
| 60 monthsTerm 60 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | — |
Sources (2)
All captured Oct 4, 2026
Standard Certificates of Deposit (CDs)
Up to 3.05%APY · 11 terms
For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsTerm 7 DAY. Fixed rate. Rates displayed for Idaho and Utah | 0.00% | $0 |
| 1 monthTerm 1 MONTH. Fixed rate. Rates displayed for Idaho and Utah | 0.10% | $1 |
| 3 monthsTerm 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $75 |
| 6 monthsTerm 6 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $151 |
| 9 monthsTerm 9 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $228 |
| 12 monthsTerm 12 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $305 |
| 18 monthsTerm 18 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $461 |
| 24 monthsTerm 24 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $619 |
| 36 monthsTerm 36 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $943 |
| 48 monthsTerm 48 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $1,277 |
| 60 monthsTerm 60 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $1,621 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA CD Account
Up to 3.05%APY · 11 terms
IRA account must be single owner. For terms less than one year, interest is compounded and paid at maturity. For terms one year and over, interest is compounded and paid quarterly. Penalty for early withdrawal and IRS penalties before age 59 1/2. Available in Traditional, Roth, and Custodial Education IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsTerm 7 DAY. Fixed rate. Rates displayed for Idaho and Utah | 0.00% | $0 |
| 1 monthTerm 1 MONTH. Fixed rate. Rates displayed for Idaho and Utah | 0.10% | $1 |
| 3 monthsTerm 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $75 |
| 6 monthsTerm 6 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $151 |
| 9 monthsTerm 9 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $228 |
| 12 monthsTerm 12 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $305 |
| 18 monthsTerm 18 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $461 |
| 24 monthsTerm 24 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $619 |
| 36 monthsTerm 36 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $943 |
| 48 monthsTerm 48 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $1,277 |
| 60 monthsTerm 60 MONTHS. Fixed rate. Rates displayed for Idaho and Utah | 3.05% | $1,621 |
Sources (1)
- zionsbank.com/personal/personal-savings/ira-cd-account · captured Oct 4, 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.