Compare Bank & Credit Union Rates
Best CD rates in Salt Lake City, UT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Salt Lake City, UT
- 4.35%APY$660 over 18 months on $10,000
Requirements
Product: Must be 18 years of age or older. Daily balance method used to calculate interest. Interest compounded and credited quarterly on terms of 1 year or more, and at maturity on terms of less than 1 year. Early withdrawal penalty applies.
Offer: 18 Months term. Open online or in branch.
4.28% interest rate · Effective Oct 21, 2026
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More details - 4.35%APY$735 over 20 months on $10,000
Requirements
Product: $500 minimum to open. Fixed rate with option to request a rate increase to the highest APY and interest rate offered for the same term if rates rise during the term. Additional funds may be added during initial 30 days after opening and for 10 calendar days beginning on the day a Rate Bump Request is submitted. Early withdrawal penalty applies prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). Maximum balance limits apply.
Offer: $500 minimum to open and earn stated APY. Early withdrawal penalty applies to a withdrawal of principal prior to maturity. Option to request an increase to the highest APY and interest rate offered for the same term prior to maturity. Maximum balance limits apply.
Effective Oct 5, 2026
Rate checked
More details - Canyon View Credit UnionRegular Bump Share CertificateCD · 24 months · $500 min
Credit union · 6 branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Min. $500 opening balance. One-time bump per term to prevailing CVCU rate; not retroactive. Auto-renews to a Regular Certificate of same term without bump. Min. $10 in primary savings required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.27% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Allows subsequent deposits during the 1-year term. No monthly maintenance fee attached. Interest compounded and credited quarterly. Early withdrawal penalty applies.
Offer: 1 Year term. Open online or in branch. Allows additional deposits throughout the term.
4.20% interest rate · Effective Oct 21, 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 - 4.25%APY$793 over 22 months on $10,000
Requirements
Product: Lock in today's rate with a 22-month certificate, plus the flexibility to increase your rate up to two times during the term if rates go up. Each new rate applies for the remainder of the certificate term. No monthly fee. No investment fee. Penalties imposed for early withdrawals.
Offer: Flexibility to increase your rate up to two times during the term if rates go up. Each new rate applies for the remainder of the certificate term. Dividends compounded and credited monthly based on the daily balance formula.
4.17% interest rate
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More details - 4.24%APY$866 over 24 months on $10,000
Requirements
Product: Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.
Offer: Includes one-time rate bump option during certificate term.
4.16% interest rate · Effective Jul 9, 2026
Rate checked
More details - Granite Credit UnionTraditional Savings CertificateCD · 24 months · $500 min
Credit union · 2 branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: No monthly fee. No investment fee. Penalties imposed for early withdrawals.
Offer: Dividends compounded and credited monthly based on the daily balance formula.
4.12% interest rate
Rate checked
More details - 4.20%APY$2,284 over 60 months on $10,000
Requirements
Product: Requires membership with a $25.00 share deposit in Regular Shares and membership eligibility. Early withdrawal penalty applies for early withdrawals/early maturity.
Offer: Rate is fixed for the full term. Early withdrawal penalty applies.
4.11% interest rate · Effective Sep 18, 2026
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More details - 4.20%APY$2,284 over 60 months on $10,000
4.14% interest rate · Effective Sep 22, 2026
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More details - 4.10%APY
Requirements
Product: A penalty may be applied for early withdrawal.
Offer: A penalty may be applied for early withdrawal.
4.04% interest rate · Effective Oct 20, 2026
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More details - 4.10%APY$445 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 4.01% interest rate · Effective Oct 14, 2026
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More details - P&S Credit UnionShare One-Time Bump Certificates of DepositCD · 60 months · $500 min
Credit union · 1 branch
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: Minimum deposit $500. Terms 6 months to 5 years. One time dividend rate increase (bump) allowed during term upon request to the prevailing regular certificate rate of same term length. Not automatically renewed to bump option; at maturity renews to a Regular Certificate of same term length without bump option unless withdrawn during 10-day grace period. Early withdrawal penalty applies. Dividends compounded quarterly, paid at maturity.
Offer: One-time bump option; automatic renewal to regular certificate
Compounded quarterly
Rate checked
More details - American United Federal Credit UnionRegular CertificateCD · 6 months · $500 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 6 months · $5 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 1, 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
What CDs pay in Salt Lake City, UT
388 CDs at 28 banks and credit unions · checked Oct 6–22
- Typical
- 3.85%
- Top 10% from
- 4.40%
- Banks, typical
- 2.00%
- Credit unions, typical
- 4.05%
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Salt Lake City, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 29 branches
- Deseret First Credit UnionCredit union · 6 branches
- Cyprus Credit UnionCredit union · 18 branches