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 76–90 results in Utah
- Delta Community Credit UnionCertificate of Deposit AccountsCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Rates subject to change. Rates are effective as of the first day of the current month. Minimum opening deposit and minimum balance is $1,000.00. Early withdrawal penalties apply. Fees could reduce earnings on the account. No monthly charge or fee for maintaining a CD.
Offer: Early withdrawal penalty is 90 days of interest.
3.92% interest rate
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 - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Allows deposits at any time. $500.00 Minimum.
Offer: 1 Jump during 5-year term
3.94% interest rate
Rate checked
More details - Northrop Grumman Federal Credit UnionCertificatesCD · 24 months · $2,500 min
Credit union · 3 branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.95%APY$196 over 6 months on $10,000
Rate checked
More details - 3.95%APY$229 over 7 months on $10,000
Requirements
Product: $10,000 minimum balance. Add funds anytime, and one penalty-free withdrawal permitted per month as long as minimum balance of $10,000 is maintained.
Offer: One withdrawal per month permitted without penalty as long as the minimum balance of $10,000 is maintained; additional deposits permitted at any time.
Effective Sep 17, 2026
Rate checked
More details - 3.95%APY$295 over 9 months on $10,000
Requirements
Product: $500 minimum to start and a $25 monthly auto-transfer is required. Add money anytime. Early withdrawal results in termination of certificate and assessment of early withdrawal penalty.
Offer: Must have auto-transfer set up with at least $25 per month going into the certificate; additional deposits permitted anytime; early withdrawal terminates certificate with penalty.
Effective Sep 17, 2026
Rate checked
More details - Wasatch Peaks Credit UnionDedicated Saver CertificateCD · 12 months · $10 min
Credit union · 6 branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Requires scheduled monthly automatic transfers/deposits of at least $10 via direct deposit, automatic transfer, or payroll deduction. Maximum manual transfer/deposit of up to $10,000 per month. Terms range from 3 to 60 months. Early withdrawal penalties apply.
Offer: Interest computed daily and paid monthly. Requires automatic transfer of at least $10 per month.
3.88% interest rate
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 - Goldenwest Credit Union18 Month Variable CertificateCD · 18 months · $50 min
Credit union · 52 branches
3.91%APY$592 over 18 months on $10,000Requirements
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: 12-month term only. Auto renewal. $500 minimum deposit with $500 minimum balance required at all times. One penalty-free withdrawal within the first 5 business days of each new quarter (January, April, July, October).
3.84% interest rate
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 - 3.85%APY$385 over 1 year 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.
3.80% interest rate · Effective May 24, 2019
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Minimum balance/to open $500. Accounts are not opened through an online application (requires two forms of government-issued identification).
Offer: Compounded and paid monthly.
3.75% interest rate
Rate checked
More details - 3.80%APY$94 over 3 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
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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?
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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