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 46–60 results in Utah
- 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 - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
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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$425 over 1 year on $10,000
Requirements
Product: Not available to other financial institutions or deposit brokers. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on accounts.
Offer: Add-on certificate.
4.18% interest rate · Effective Oct 2, 2026
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More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
Offer: All balance tiers.
Compounded daily
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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 - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
4.18% interest rate · Effective Sep 24, 2026
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More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Must be a U.S. citizen or permanent resident, at least 18 years of age, currently residing in the United States with a physical address in the U.S. Interest compounds daily using a 365/366-day basis and pays monthly.
Offer: Early withdrawal penalty applies (for terms more than 12 months and up to 2 years, penalty is 180 days' simple interest). $1000 minimum balance required to open and obtain advertised APY.
Effective Oct 1, 2026
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More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Dividends compounded monthly and credited monthly. Interest calculated by the daily balance method. No deposits or withdrawals allowed before maturity. Minimum opening deposit of $500.00. Early withdrawal penalty applies (90 days interest for terms 12 months or less; 180 days interest for terms 13 months or more; minimum penalty $15.00). Automatically renewed at maturity with a 10-day grace period.
4.17% interest rate · Compounded monthly · Effective Mar 26, 2026
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More details - 4.25%APY$2,313 over 60 months on $10,000
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. Membership eligibility required.
4.17% interest rate · Effective Oct 1, 2026
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More details - 4.25%APY$2,313 over 60 months on $10,000
4.17% interest rate · Effective Sep 21, 2026
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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
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More details - 4.23%APY$209 over 6 months on $10,000
4.15% interest rate
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More details - 4.22%APY
Requirements
Product: A minimum deposit of $500.00 is required to open any Certificate of Deposit. A minimum daily balance of $500 is required to earn interest. Penalty may be imposed for early withdrawal.
Offer: Term is 6 Months to 11 Months. Minimum balance $500+ to earn interest.
4.15% interest rate · Effective Oct 1, 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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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