Compare Bank & Credit Union Rates
Best CD rates in West Valley City, UT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in West Valley City, 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$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$483 over 13 months on $10,000intro rate
Requirements
Product: Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 12-month certificate rate.
Offer: New deposits only from non-Chartway account. $500 minimum (no maximum balance). Renews at current 12-month certificate rate. Early withdrawal penalty applies.
Promotional rate · Effective Oct 1, 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
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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 - 4.35%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 - 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
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More details - 4.30%APY$213 over 6 months on $10,000intro rate
Requirements
Product: Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 6-month certificate rate.
Offer: New deposits only from non-Chartway account. $500 minimum ($100 if under 18). Renews at standard 6-month certificate rate. Early withdrawal penalty applies.
Promotional rate · Effective Sep 1, 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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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 West Valley City, UT
307 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 3.75%
- Top 10% from
- 4.35%
- Banks, typical
- 0.50%
- 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