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
- America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 3 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
Rate checked
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
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 - 4.50%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
Rate checked
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 - America First Credit UnionBump-Rate Certificate AccountsCD · 60 months · $500 min
Credit union · 3 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 - 4.35%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 - 4.30%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$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 - 4.24%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 - 4.20%APY$1,314 over 36 months on $10,000
Requirements
Product: Good on new CDs only. Interest assumes deposit until maturity and monthly compounding; early withdrawal penalty may apply.
Offer: Must maintain minimum balance to earn disclosed APY.
Effective Oct 4, 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 Ogden, UT
230 CDs at 16 banks and credit unions · checked Oct 4–22
- Typical
- 3.05%
- Top 10% from
- 4.35%
- Banks, typical
- 0.50%
- 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