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 Sandy, UT
- 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 - 4.25%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$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$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 - 4.24%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 - 4.20%APY$858 over 24 months on $10,000
Requirements
Product: No monthly fee. No investment fee. Penalties imposed for early withdrawals.
Offer: Dividends compounded and credited monthly based on the daily balance formula.
4.12% interest rate
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More details - 4.15%APY$486 over 14 months on $10,000intro rate
Requirements
Product: Limited-time promotional terms featuring all the benefits of a High Yield CD. Available through 03/23/27. Automatic renewal into specified term after promotion.
Offer: All balance tiers. Loyalty reward for renewals.
Promotional rate
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More details - 4.10%APY
Requirements
Product: A penalty may be applied for early withdrawal.
Offer: A penalty may be applied for early withdrawal.
4.04% interest rate · Effective Oct 20, 2026
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).
Effective Oct 16, 2026
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More details - American United Federal Credit UnionRegular CertificateCD · 6 months · $500 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
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More details - American United Federal Credit UnionDedicated Saver CertificateCD · 6 months · $5 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 1, 2026
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More details - Goldenwest Credit Union18 Month Variable CertificateCD · 18 months · $50 min
Credit union · 2 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
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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
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More details - Canyon View Credit Union12-Month Access Share CertificateCD · 12 months · $500 min
Credit union · 1 branch
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
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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 Sandy, UT
346 CDs at 23 banks and credit unions · checked Oct 6–22
- Typical
- 3.85%
- Top 10% from
- 4.35%
- Banks, typical
- 1.26%
- Credit unions, typical
- 4.05%
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Find your bank or credit union to see all its rates and how they compare near you.
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