Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Salt Lake City, UT metro
- 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 · 29 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
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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.
Rate checked
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 - 4.40%APY$1,379 over 36 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open and earn desired APY on all Banterra CDs. Online applicants must be 18 years old, a US citizen with a US address, and resident of AZ, CO, ID, IL, IN, KY, MO, or UT.
Offer: Promotional rate special. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 13, 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 - 4.35%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 - 4.35%APY$660 over 18 months 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.
4.19% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
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More details - 4.35%APY$660 over 18 months on $10,000
Requirements
Product: No service fees. In branch opening option available. Interest compounded daily.
4.19% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - 4.35%APY$660 over 18 months on $10,000intro rate
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. Fees may reduce earnings on the account. After the certificate is opened, additional deposits can be made to the certificate at any time. Deposit of at least $100 set up at account opening. Membership eligibility required.
Offer: October Special. Maximum of $250,000 in total deposits per primary account holder. This special offer is available for a limited time and may be discontinued at any time.
Promotional rate · 4.27% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
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More details - 4.35%APY$735 over 20 months on $10,000
Requirements
Product: $500 minimum to open. Fixed rate with option to request a rate increase to the highest APY and interest rate offered for the same term if rates rise during the term. Additional funds may be added during initial 30 days after opening and for 10 calendar days beginning on the day a Rate Bump Request is submitted. Early withdrawal penalty applies prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). Maximum balance limits apply.
Offer: $500 minimum to open and earn stated APY. Early withdrawal penalty applies to a withdrawal of principal prior to maturity. Option to request an increase to the highest APY and interest rate offered for the same term prior to maturity. Maximum balance limits apply.
Effective Oct 5, 2026
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More details - Canyon View Credit UnionRegular Bump Share CertificateCD · 24 months · $500 min
Credit union · 15 branches
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
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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$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
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 Salt Lake City, UT metro
567 CDs at 47 banks and credit unions · checked Oct 15–22
- Typical
- 3.85%
- Top 10% from
- 4.40%
- Banks, typical
- 2.80%
- Credit unions, typical
- 4.00%
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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