Compare Bank & Credit Union Rates
Best CD rates in Utah
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Utah
- 4.85%APY$736 over 18 months on $10,000
Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.76%APY$975 over 24 months on $10,000
Requirements
Product: Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.
4.66% interest rate · Balance cap $500,000 · Effective Oct 21, 2026
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More details - 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.
4.64% interest rate · Effective Oct 22, 2026
Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 87 branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.51% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.55%APY$2,492 over 60 months on $10,000
Requirements
Offer: When paid: Quarterly. Early withdrawal penalty: 6 mo int.
4.45% interest rate · Effective Sep 15, 2026
Rate checked
More details - Utah Power Credit UnionSavers CertificateCD · 12 months · $9 min · up to $10,000
Credit union · 8 branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Rates are as of October 1, 2026 and are subject to change. Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Early withdrawal penalty may apply.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Rates are as of October 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Minimum deposit of $500.00. Early withdrawal penalty may apply.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
4.41% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - Mountain America Credit UnionStandard CertificateCD · 24 months · $500 min
Credit union · 74 branches
4.50%APY$920 over 24 months on $10,000Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - Deseret First Credit UnionRegular Share CertificatesCD · 24 months · $500 min
Credit union · 12 branches
4.50%APY$920 over 24 months on $10,000intro rateRequirements
Product: Membership required; eligibility requirements apply. Minimum balance to open the account and earn the advertised APY is $500.00. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Standard rate. Minimum balance to open and earn advertised APY is $500.00.
Promotional rate · 4.40% interest rate
Rate checked
More details - Utah First Credit UnionTraditional Term DepositCD · 24 months · $2,000 min
Credit union · 11 branches
4.50%APY$920 over 24 months on $10,000Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Savings certificates are subject to Early Withdrawal Penalties.
Offer: Early withdrawal penalty: 180 days of dividend earned if withdrawal is 180 days or more from the date of purchase; if less than 180 days, penalty is amount earned to date.
4.43% interest rate
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.40% interest rate · Effective Oct 22, 2026
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More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Pays the highest dividend rate. Maturity date options 3-60 months. Auto renewal. Standard maturity terms are 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years. If non-standard term is selected, renews at next shortest standard term. 10-day grace period after renewal.
4.43% interest rate
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
4.41% interest rate · Effective Oct 15, 2026
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Utah
778 CDs at 77 banks and credit unions · checked Oct 16–22
- Typical
- 3.91%
- Top 10% from
- 4.40%
- Banks, typical
- 3.04%
- Credit unions, typical
- 4.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Utah
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 87 branches
- Deseret First Credit UnionCredit union · 12 branches
- Cyprus Credit UnionCredit union · 23 branches