Compare Bank & Credit Union Rates
Best CD rates in Utah
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 91–105 results in Utah
- 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Additional deposits: Not Allowed. Renewable: Automatic. Withdrawals: Allowed--Ask Credit Union. Dividend Compounded: Quarterly. Dividend Credited: Quarterly. Dividend Period: At Maturity.
Offer: Withdrawals: Allowed--Ask Credit Union. Additional Deposits: Not Allowed. Renewable: Automatic. Dividend Compounded: Quarterly. Dividend Credited: Quarterly. Dividend Period: At Maturity.
3.75% interest rate · Effective May 24, 2019
Rate checked
More details - 3.80%APY$775 over 24 months on $10,000
Requirements
Product: Additional deposits: Not Allowed. Renewable: Automatic. Withdrawals: Allowed--Ask Credit Union. Dividend Compounded: Quarterly. Dividend Credited: Quarterly. Dividend Period: At Maturity.
Offer: Withdrawals: Allowed--Ask Credit Union. Additional Deposits: Not Allowed. Renewable: Automatic. Dividend Compounded: Quarterly. Dividend Credited: Quarterly. Dividend Period: At Maturity.
3.75% interest rate · Effective May 24, 2019
Rate checked
More details - Canyon View Credit Union12-Month Access Share CertificateCD · 12 months · $500 min
Credit union · 21 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
Rate checked
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 - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: 12-month term only. Auto renewal. Allows for deposits to be added any time during term. Automatic transfer available. No Early Withdrawal Penalty (EWP) for Qualified Withdrawal Reason. $25 minimum deposit. Maximum principal balance $250,000.
Offer: Allows for deposits to be added any time during term. Automatic transfer available. No EWP for Qualified Withdrawal Reason. Maximum principal balance $250,000.
3.75% interest rate · Balance cap $250,000
Rate checked
More details - America First Credit UnionFlexible Certificate AccountsCD · 12 months · $500 min
Credit union · 87 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
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Minimum opening deposit is $50. Maximum limit is $100,000 with a maximum deposit of $10,000 per month. Extra deposits allowed anytime. Withdrawals permitted in the first three business days of each quarter (January, April, July, October).
Offer: Interest is computed daily and paid monthly.
3.63% interest rate · Balance cap $100,000
Rate checked
More details - 3.65%APY$90 over 3 months on $10,000
Requirements
Product: Deposit money to the balance at any time. Savings certificates are subject to Early Withdrawal Penalties.
Offer: Deposit money to the balance at any time.
3.60% interest rate
Rate checked
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
Rate checked
More details - National JACL Credit UnionShare Certificates - RegularCD · 60 months · $1,000 min
Credit union · 2 branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Membership required ($50.00 minimum share purchase). Federally insured by NCUA.
Effective Feb 1, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000intro rate
Requirements
Product: Minimum opening deposit of $100. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. APY applies to the initial term of a new Certificate of Deposit.
Offer: 90 Day Fixed Rate. A penalty may be imposed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
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
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
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 Utah
778 CDs at 77 banks and credit unions · checked Oct 16–22
- Typical
- 3.91%
- Top 10% from
- 4.40%
- Banks, typical
- 3.04%
- Credit unions, typical
- 4.00%
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Utah
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 87 branches
- Deseret First Credit UnionCredit union · 12 branches
- Cyprus Credit UnionCredit union · 23 branches