Compare Bank & Credit Union Rates
Best CD rates in Farmington, UT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Farmington, UT
- America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
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
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More details - 4.50%APY$920 over 24 months on $10,000
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More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.
4.36% interest rate · Effective Oct 1, 2026
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More details - America First Credit UnionBump-Rate Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.45%APY$2,432 over 60 months on $10,000Requirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
4.36% interest rate · Effective Oct 21, 2026
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More details - 4.40%APY$2,402 over 60 months on $10,000
Effective Oct 22, 2026
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More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 3.91%APY$592 over 18 months on $10,000
Requirements
Product: Rate based on the 91-day Treasury Bill average, which is calculated the last Tuesday of each quarter. Dividends paid monthly. Early withdrawal penalties apply.
Offer: Rate based on the 91-day Treasury Bill average calculated the last Tuesday of each quarter.
3.84% interest rate · Effective Oct 1, 2026
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Regular share funds only; cannot be opened as an IRA certificate. Add money at any time. Penalty-free withdrawals during the first three business days of each quarter. Maximum of $250,000 per account. Bump option available. Dividends paid monthly.
Offer: Maximum of $250,000 per account. Available for regular share funds only.
3.74% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
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More details - America First Credit UnionFlexible Certificate AccountsCD · 12 months · $500 min
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000Requirements
Product: Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.
Offer: One penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly.
3.74% interest rate · Balance cap $100,000 · Effective Oct 21, 2026
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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: 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.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
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
What CDs pay in Farmington, UT
181 CDs at 9 banks and credit unions · checked Oct 4–22
- Typical
- 1.75%
- Top 10% from
- 4.30%
- Banks, typical
- 0.11%
- Credit unions, typical
- 4.20%
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Find your bank or credit union to see all its rates and how they compare near you.
Ogden, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 28 branches
- Deseret First Credit UnionCredit union · 2 branches
- Cyprus Credit UnionCredit union · 2 branches