Compare Bank & Credit Union Rates
Best CD rates in Sandy, UT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Sandy, UT
- America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 3 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 - 4.50%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 - 4.50%APY$920 over 24 months on $10,000
Requirements
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 · 1 branch
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 - 4.50%APY$920 over 24 months on $10,000
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
Rate checked
More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.
Offer: Earns traditional certificate APY.
4.41% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
Rate checked
More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: $10 minimum to open; aggregate limit $250,000; consumer accounts only. Automatically renews for same term unless otherwise requested at maturity. Dividends are paid monthly. Early withdrawal penalties may apply. Min. $10 in primary savings required. Membership required. Other restrictions may apply.
4.36% interest rate · Balance cap $250,000 · Effective Oct 9, 2026
Rate checked
More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: $500 minimum balances to open. No maintenance fee. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.36% interest rate · Effective Oct 9, 2026
Rate checked
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
Rate checked
More details - America First Credit UnionBump-Rate Certificate AccountsCD · 60 months · $500 min
Credit union · 3 branches
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
Rate checked
More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: FDIC insured up to $250,000. Early withdrawal penalty of 90-day loss of interest. Automatic renewal at maturity with a 10-day grace period. Fixed rate.
Offer: Assumes interest and principal remain on deposit until maturity. Early withdrawal penalty of 90-day loss of interest.
Rate checked
More details - 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
Rate checked
More details - 4.35%APY$660 over 18 months on $10,000intro rate
Requirements
Product: Early withdrawals from Certificate Accounts are subject to fees and penalties that may reduce the earnings or the principal of the Certificate. Dividends are paid monthly. Fees may reduce earnings on the account. After the certificate is opened, additional deposits can be made to the certificate at any time. Deposit of at least $100 set up at account opening. Membership eligibility required.
Offer: October Special. Maximum of $250,000 in total deposits per primary account holder. This special offer is available for a limited time and may be discontinued at any time.
Promotional rate · 4.27% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - Canyon View Credit UnionRegular Bump Share CertificateCD · 24 months · $500 min
Credit union · 1 branch
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
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 Sandy, UT
346 CDs at 23 banks and credit unions · checked Oct 6–22
- Typical
- 3.85%
- Top 10% from
- 4.35%
- Banks, typical
- 1.26%
- 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