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 1–15 results in Utah
- 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.
4.40% interest rate · Effective Oct 22, 2026
Rate checked
More details - Utah Power Credit UnionSavers CertificateCD · 12 months · $9 min · up to $10,000
Credit union · 8 branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Rates are as of October 1, 2026 and are subject to change. Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Early withdrawal penalty may apply.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Rates are as of October 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Minimum deposit of $500.00. Early withdrawal penalty may apply.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.45%APY$445 over 1 year on $10,000
Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
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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.
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More details - 4.40%APY$440 over 1 year on $10,000
Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). 10-Day CD Rate Guarantee applies. Maximum balance limits apply. Additional deposits allowed within first 30 days after opening.
Offer: $500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply.
Effective Oct 5, 2026
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More details - 4.36%APY$436 over 1 year on $10,000
Requirements
Product: No monthly fee. Interest compounded daily.
Offer: APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Compounded daily · Effective Sep 24, 2026
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More details - 4.30%APY$430 over 1 year 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: 1 Year term. Open online or in branch.
4.23% interest rate · Effective Oct 21, 2026
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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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More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: No service fees. In branch opening option available. Interest compounded daily.
4.21% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Online opening only. Opening deposit $10,000 - $250,000. Limited to Individual or Joint Ownership (beneficiaries allowed). Online statements only. No service fees.
Offer: Each Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application.
4.21% interest rate · Balance cap $250,000 · Effective Oct 22, 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$425 over 1 year on $10,000
Requirements
Product: Fixed rate until maturity/renewal. Interest is compounded and paid monthly. Minimum balance of $500 required to open and obtain APY. Early withdrawal penalty applies.
4.17% interest rate
Rate checked
More details - New Heights Federal Credit UnionShare Certificate of DepositCD · 12 months · $5,000 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Offer: Promo Rate ($5,000 Min. New Deposit)
Promotional rate · Effective Jun 17, 2025
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More details - 4.23%APY$423 over 1 year on $10,000
4.15% interest rate
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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 1-year CDs pay in Utah
106 CDs at 72 banks and credit unions · checked Oct 16–22
- Typical
- 3.95%
- Top 10% from
- 4.28%
- Banks, typical
- 3.63%
- Credit unions, typical
- 3.95%
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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