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 1–15 results in Ogden, UT metro
- America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 28 branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.51% interest rate · Effective Oct 21, 2026
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More details - Utah Power Credit UnionSavers CertificateCD · 12 months · $9 min · up to $10,000
Credit union · 1 branch
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
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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
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More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
4.41% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
4.41% interest rate · Effective Oct 1, 2026
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More details - Deseret First Credit UnionRegular Share CertificatesCD · 24 months · $500 min
Credit union · 2 branches
4.50%APY$920 over 24 months on $10,000intro rateRequirements
Product: Membership required; eligibility requirements apply. Minimum balance to open the account and earn the advertised APY is $500.00. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Standard rate. Minimum balance to open and earn advertised APY is $500.00.
Promotional rate · 4.40% interest rate
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More details - 4.50%APY$920 over 24 months on $10,000
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More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
4.41% interest rate · Effective Oct 15, 2026
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More details - 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.
Offer: Earns traditional certificate APY.
4.41% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
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More details - 4.48%APY$916 over 24 months on $10,000
Requirements
Product: Membership eligibility required. Early withdrawal penalty may apply. Certificates automatically renew at maturity.
Offer: Assuming dividends remain on deposit for the full term.
4.40% interest rate · Effective Oct 2, 2026
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More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: $10 minimum to open; aggregate limit $250,000; consumer accounts only. Automatically renews for same term unless otherwise requested at maturity. Dividends are paid monthly. Early withdrawal penalties may apply. Min. $10 in primary savings required. Membership required. Other restrictions may apply.
4.36% interest rate · Balance cap $250,000 · Effective Oct 9, 2026
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More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: $500 minimum balances to open. No maintenance fee. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.36% interest rate · Effective Oct 9, 2026
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More details - 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
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More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: Minimum opening deposit $500. Terms vary from 3 to 60 months. Early withdrawal penalties apply. Fixed interest rate compounded and paid quarterly. Rate match available for same product from local credit unions (conditions may apply). Members of the VIP Club can earn higher interest rates.
Offer: Interest compounded and paid quarterly.
Effective Oct 15, 2026
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More details - 4.45%APY$1,902 over 48 months 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.
4.36% interest rate
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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 Ogden, UT metro
343 CDs at 27 banks and credit unions · checked Oct 6–22
- Typical
- 3.89%
- Top 10% from
- 4.40%
- Banks, typical
- 1.01%
- Credit unions, typical
- 4.15%
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Ogden, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 28 branches
- Deseret First Credit UnionCredit union · 2 branches
- Cyprus Credit UnionCredit union · 2 branches