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 31–45 results in Salt Lake City, UT
- 4.00%APY$366 over 11 months on $10,000intro rate
Requirements
Product: $500 minimum balance/opening deposit. Full balance withdrawal permitted penalty-free beginning 7 days after funding date (no partial withdrawals; account will be closed upon withdrawal). No additional deposits permitted once balance reaches $500. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.
Offer: $500 minimum to earn stated APY. Withdrawal of full balance permitted starting 7 days after funding date. Maximum balance limits apply.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.
Offer: Automatic renewal
Compounded quarterly
Rate checked
More details - 3.95%APY$806 over 24 months on $10,000
Requirements
Product: Add money as you go
Offer: Add money as you go
3.89% interest rate · Effective Sep 22, 2026
Rate checked
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
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Fixed rate on entire balance for length of CD term. Interest may be compounded or mailed via check. Early withdrawal penalty applies.
3.83% interest rate · Effective Sep 16, 2026
Rate checked
More details - Canyon View Credit Union12-Month Access Share CertificateCD · 12 months · $500 min
Credit union · 6 branches
3.80%APY$380 over 1 year on $10,000Requirements
Product: Minimum $500 to open; consumer only; balance must not fall below $100 to keep account open. Members have one penalty-free withdrawal per calendar quarter; additional withdrawals may incur a penalty on dividends. Certificate will stay an access certificate at maturity. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
3.74% interest rate · Effective Oct 9, 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
Rate checked
More details - America First Credit UnionFlexible Certificate AccountsCD · 12 months · $500 min
Credit union · 6 branches
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
Rate checked
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 - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
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More details - 3.60%APY$208 over 7 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 · 3.53% interest rate · Effective Oct 14, 2026
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More details - 3.50%APY$560 over 19 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 · 3.44% interest rate · Effective Oct 14, 2026
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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 - 3.27%APY$327 over 1 year on $10,000
Requirements
Product: A penalty may be applied for early withdrawal.
Offer: A penalty may be applied for early withdrawal.
3.23% interest rate · Effective Oct 20, 2026
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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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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