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 121–135 results in Utah
- 2.95%APY$754 over 30 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 2.90% interest rate · Effective Oct 14, 2026
Rate checked
More details - 2.80%APY$256 over 11 months on $10,000
Requirements
Product: Withdraw full balance and interest any time after the first 6 days following funding date with no penalty. Interest compounded daily. No monthly maintenance fees.
Offer: Withdraw money any time after the first 6 days following funding date with no penalty.
Compounded daily · Effective Oct 3, 2026
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More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 7 branches
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
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More details - 2.35%APY
Requirements
Product: Federally insured by NCUA up to $250,000. Dividends are compounded and credited quarterly. Rates shown not available in VA, NC, UT, NV, or TX. Early withdrawals are subject to an early withdrawal penalty. Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. All renewing certificates receive a 0.10% rate rewards until further notice (excluding 6 month and 12 month No Penalty and promotional certificates). Rate increase of 0.10% APY available on any 12 month+ certificate renewal with Essential Checking.
Offer: Rates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term.
2.33% interest rate · Effective Oct 15, 2026
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More details - Granite Credit UnionThree-Month Penalty Free CertificateCD · 3 months · $25 min · 2.00%–3.50% by balance
Credit union · 12 branches
2.00%APY$50 over 3 months on $10,000Requirements
Product: Short-term certificate that allows additional deposits with no early withdrawal penalty. No monthly fee. No investment fee.
Offer: Early withdrawal penalties do not apply. Dividends compounded and credited monthly based on the daily balance formula.
1.98% interest rate
Rate by balance
Rate by balance for Three-Month Penalty Free Certificate Balance APY $25 and upYour amount 2.00% $50,000 and up 2.25% $100,000 and up 2.75% $250,000 and up 3.50% Rate checked
More details - 2.00%APY$166 over 10 months on $10,000
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More details - 2.00%APY$404 over 24 months on $10,000
Requirements
Product: As rates rise, bump-up to a higher rate whenever you want.
Offer: As rates rise, bump-up to a higher rate whenever you want
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More details - 2.00%APY$612 over 36 months on $10,000
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 70 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - Utah Heritage Credit UnionFlex CertificatesCD · 12 months · $500 min · 0.50%–0.65% by balance
Credit union · 5 branches
0.55%APY$55 over 1 year on $10,000Requirements
Product: 12-month term. Unlimited deposits in $200 increments. One withdrawal per calendar month. Must remain above minimum balance for type requested. Early closure penalty may apply if balance falls below minimum balance during term.
Offer: Type A. Unlimited deposits in $200 increments; 1 withdrawal per calendar month.
0.50% interest rate · Effective Sep 24, 2024
Rate by balance
Rate by balance for Flex Certificates Balance APY $500 and up 0.50% $2,000 and upYour amountType B. 0.55% $25,000 and upType C. 0.60% $50,000 and upType D. 0.65% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$23 over 11 months on $10,000
Requirements
Product: Early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed. Personal non-IRA accounts only.
0.25% interest rate · Effective Oct 22, 2026
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More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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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 Utah
778 CDs at 77 banks and credit unions · checked Oct 16–23
- 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