MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Utah Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Utah CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Utah CD rates include P&S Credit UnionP&S Credit Union2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356A+5.0 ★Texas Ratio: 0.10%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificate - STUDENT Accounts at 5.00% APY, Happen BankHappen Bank2701 N Thanksgiving Way, Lehi, UT 84043A+5.0 ★Texas Ratio: 2.06%Real return: +1.80%APY minus CPI (February 2026) offering 2 Year Consumer Certificate of Deposit at 4.60% APY, Austin Capital BankAustin Capital Bank475 N 300 W, Kaysville, UT 84037A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Sallie MaeSallie Mae175 S West Temple, Salt Lake City, UT 84101A+5.0 ★Texas Ratio: 4.70%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificates of deposit (CDs) at 4.50% APY, and Quill BankQuill Bank3280 N University Ave, Provo, UT 84604A-5.0 ★Texas Ratio: 14.58%Real return: +1.70%APY minus CPI (February 2026) offering 36 Month Business CD at 4.50% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Utah side-by-side. Utah CD rates currently reach as high as 5.00% APY from P&S Credit Union at 2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Utah

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Utah 3 Month CD Rates

MonitorBankRates Utah Average · 3 Month CD2.43% APY▼ 0.06% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Utah is 2.43% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
475 N 300 W, Kaysville, UT 84037
3 Month CD
$1,000
4.58% ▲ 2.15% above Utah avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average2.43%▲ 2.15% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
215 S State St, Salt Lake City, UT 84111
3 Month CD
$0
3.96% ▲ 1.53% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▲ 1.53% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 7, 2026: 3.96% APYSep 7, 2026Oct 13, 2026
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
12921 S Vista Station Blvd, Draper, UT 84020
3-month CD
$1,500
3.90% ▲ 1.47% above Utah avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▲ 1.47% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
3 Month Certificate
$500
3.90% ▲ 1.47% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average2.43%▲ 1.47% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 E Fort Union Blvd, Midvale, UT 84047
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.42% above Utah avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Utah Average2.43%▲ 1.42% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
3 Month Certificate
$500
3.85% ▲ 1.42% above Utah avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average2.43%▲ 1.42% above avgNationally 2.09%
Details

Dividend paid monthly

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.28%
196 North Main, Huntington, UT 84528
3 Month Three Month Certificate
$500
3.80% ▲ 1.37% above Utah avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average2.43%▲ 1.37% above avgNationally 2.09%
Details

Withdrawals: Allowed--Ask Credit Union; Dividend Compounded: Quarterly; Dividend Credited: Quarterly; Dividend Period: At Maturity

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
3 month Super CD
$500
3.65% ▲ 1.22% above Utah avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 1.22% above avgNationally 2.09%
Details

***

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Business 90 Day Fixed Rate CD
$0
3.50% ▲ 1.07% above Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
3 Month Share Certificate
$500
3.50% ▲ 1.07% above Utah avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average2.43%▲ 1.07% above avgNationally 2.09%
Details

Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Oct 5, 2026: 3.30% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Oct 5, 20263.30%first recorded
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
191 E Gateway Dr, Heber City, UT 84032
3 Month Certificate
$500
3.20% ▲ 0.77% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average2.43%▲ 0.77% above avgNationally 2.09%
Details

.25% bonus for Star and Senior Accounts!

Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 24, 2026: 3.10% APYOct 12, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
  • Oct 12, 20263.20%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
3 Month High Yield CD
$0
2.80% ▲ 0.37% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▲ 0.37% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.70% → 2.80% ▲ 0.10 pts · high 2.80% / low 2.70%
2.20%2.75%3.30%Sep 18, 2026: 2.70% APYSep 27, 2026: 2.80% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20262.80%▲ from 2.70%
  • Sep 18, 20262.70%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT 84120
3-Month Certificate
$0
2.27% ▼ 0.16% below Utah avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 0.16% below avgNationally 2.09%
Details

Balance: $50,000+; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT 84120
3-Month Certificate
$0
1.76% ▼ 0.67% below Utah avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 0.67% below avgNationally 2.09%
Details

Balance: $1,000-$49,999.99; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term
$0
0.60% ▼ 1.83% below Utah avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term Standard CD
$0
0.50% ▼ 1.93% below Utah avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 1.93% below avgNationally 2.09%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
122 S Main St, Gunnison, UT 84634
3 MONTH CERTIFICATE
$0
0.20% ▼ 2.23% below Utah avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.23% below avgNationally 2.09%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 13, 2026
Continental Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
15 W South Temple, Salt Lake City, UT 84101
90 Days Certificate of Deposit
$0
0.20% ▼ 2.23% below Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average2.43%▼ 2.23% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
405 S Main St, Salt Lake City, UT 84111
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.33% below Utah avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.33% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
405 S Main St, Salt Lake City, UT 84111
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.33% below Utah avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.33% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
4897 W Lake Park Blvd, Salt Lake City, UT 84120 8205
3-Month CD
$0
0.10% ▼ 2.33% below Utah avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▼ 2.33% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 W State St, Farmington, UT 84025
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.37% below Utah avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.37% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 W State St, Farmington, UT 84025
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.37% below Utah avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.37% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 W State St, Farmington, UT 84025
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
405 S Main St, Salt Lake City, UT 84111
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
405 S Main St, Salt Lake City, UT 84111
3 Month Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
3 Month Business Share Certificates
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
3 Month Share Certificate
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 13, 2026: 0.05% APYOct 13, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
142 E 200 S, Salt Lake City, UT 84111
3 Month IRA Certificates
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
142 E 200 S, Salt Lake City, UT 84111
3 Month Standard CD
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

Utah 6 Month CD Rates

MonitorBankRates Utah Average · 6 Month CD3.68% APYUnchanged from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Utah is 3.68% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
6 Month High-Yield CD
$500
4.40% ▲ 0.72% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.68%▲ 0.72% above avgNationally 2.78%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
6 Month Business CD
$1,000
4.30% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
6-Month CD
$1,000
4.30% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
562 N Main St, Tooele, UT 84074
6-Month Promo Certificate
$0
4.30% ▲ 0.62% above Utah avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date April 1, 2026. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate.

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
475 N 300 W, Kaysville, UT 84037
6 Month CD
$1,000
4.30% ▲ 0.62% above Utah avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2701 N Thanksgiving Way, Lehi, UT 84043
6 Month Consumer Certificate of Deposit
$500
4.30% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
215 S State St, Salt Lake City, UT 84111
6 Month CD
$0
4.26% ▲ 0.58% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.58% above avgNationally 2.78%
Details

Rate History
1 change since Sep 7, 2026 · 3.96% → 4.26% ▲ 0.30 pts · high 4.26% / low 3.96%
3.46%4.11%4.76%Sep 7, 2026: 3.96% APYSep 27, 2026: 4.26% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.26%▲ from 3.96%
  • Sep 7, 20263.96%first recorded
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3675 S 900 E, Salt Lake City, UT 84106
6 Month Homebuyer Certificate
$0
4.25% ▲ 0.57% above Utah avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3675 S 900 E, Salt Lake City, UT 84106
Homebuyer (6 months)
$0
4.25% ▲ 0.57% above Utah avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.57% above avgNationally 2.78%
Details

Homebuyer program

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
180 N 300 E, Roosevelt, UT 84066
6 Month Share Certificates - U-IN-TA
$1,000
4.23% ▲ 0.55% above Utah avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.55% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 13, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
75 N University Ave, Provo, UT 84601
6 Month Personal Certificates of Deposit
$0
4.22% ▲ 0.54% above Utah avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.54% above avgNationally 2.78%
Details

Balance: $500+; Term: 6 Months to 11 Months

Rate History
1 change since Sep 28, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
3.61%4.17%4.72%Sep 28, 2026: 4.11% APYOct 3, 2026: 4.22% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.22%▲ from 4.11%
  • Sep 28, 20264.11%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
6 Month CD
$10,000
4.20% ▲ 0.52% above Utah avg
View
▼
Rate4.11%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.52% above avgNationally 2.78%
Details

Open Online; Online Only

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 25, 2026: 4.00% APYOct 12, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.20%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
6 Month IRA
$10,000
4.20% ▲ 0.52% above Utah avg
View
▼
Rate4.11%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.52% above avgNationally 2.78%
Details

Open Online

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 25, 2026: 4.00% APYOct 12, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.20%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
8520 S Sandy Pkwy, Sandy, UT 84070
6 Month Certificate
$500
4.11% ▲ 0.43% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.68%▲ 0.43% above avgNationally 2.78%
Details

Rate History
1 change since Sep 27, 2026 · 3.65% → 4.11% ▲ 0.46 pts · high 4.11% / low 3.65%
3.15%3.88%4.61%Sep 27, 2026: 3.65% APYOct 6, 2026: 4.11% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.11%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
2605 Washington Blvd, Ogden, UT 84401
6 Month CD
$100
4.10% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.42% above avgNationally 2.78%
Details

IRA

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
6 Month Share Certificate
$1,000
4.06% ▲ 0.38% above Utah avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.38% above avgNationally 2.78%
Details

Minimum deposit $1,000; Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
3.41%3.98%4.56%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.06%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
12921 S Vista Station Blvd, Draper, UT 84020
6-month CD
$1,500
4.00% ▲ 0.32% above Utah avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
6 Month Certificate
$500
4.00% ▲ 0.32% above Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 6-Month
$2,000
4.00% ▲ 0.32% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month Certificate - GoldStar
$0
4.00% ▲ 0.32% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1023 Medical Dr, Brigham City, UT 84302 3049
Certificate - 6-Month
$0
4.00% ▲ 0.32% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
6 Month Certificate
$500
4.00% ▲ 0.32% above Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
6 month CD
$500
4.00% ▲ 0.32% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 29, 2026: 3.85% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.85%
  • Sep 29, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
6 Month Certificate
$0
3.96% ▲ 0.28% above Utah avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.28% above avgNationally 2.78%
Details

Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.15 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 14, 2026: 3.80% APYOct 13, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.96%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
756 E Winchester St, Murray, UT 84107
6 Month Certificate of Deposit (CD)
$500
3.95% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
6 Month Share Certificate
$0
3.95% ▲ 0.27% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Rate column labeled APR on source page

Rate History
2 changes since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Sep 14, 2026: 3.85% APYSep 29, 2026: 3.90% APYOct 13, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.95%▲ from 3.90%
  • Sep 29, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
6 month Certificate (CD)
$500
3.95% ▲ 0.27% above Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 14, 2026: 3.90% APYSep 25, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.95%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
4897 W Lake Park Blvd, Salt Lake City, UT 84120 8205
6-Month CD
$0
3.95% ▲ 0.27% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
6 Month Certificate
$500
3.95% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
6 Month Roth Certificate
$0
3.95% ▲ 0.27% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Section: Certificates / IRA Certificates / Roth IRA Certificates

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1250 Country Hills Dr, Ogden, UT 84403 2560
6 Month Certificate of Deposit
$1,000
3.95% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
3405 W 1987 S, Salt Lake City, UT 84104 4942
6 Month Regular & IRA Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Certificate Account - 6 Month
$500
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Dividend Rate: 3.83%; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Business Jumbo Share Certificates
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Minimum balance to open a Business Jumbo Share Certificate and earn the advertised APY is $75,000.00; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Business Share Certificates
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month IRA Jumbo Share Certificates
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Minimum balance $75,000.00 to earn advertised APY; penalty may apply for early withdrawal

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Jumbo Share Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Share Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
6 Month Certificate
$500
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Dividend paid monthly

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
6 Month Term Share Certificates
$1,000
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Dividend Frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
120 E 1000 S, Brigham City, UT 84302 4357
6 Month CD
$0
3.90% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Dividends paid quarterly; Penalties for withdrawing before term end may apply

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
6 Month High Yield CD
$0
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20263.85%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificate of Deposit - 6 Month
$0
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYOct 5, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.85%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
6 Month Share Certificate
$500
3.85% ▲ 0.17% above Utah avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Oct 5, 2026: 3.50% APYOct 13, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.50%
  • Oct 5, 20263.50%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
6 Month HSA Certificate
$1,000
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

HSA Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYOct 5, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
Share Certificate - 6 Month Certificate
$0
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYOct 5, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
10653 S River Front Parkway, South Jordan, UT 84095
6 Month CD
$500
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.28%
196 North Main, Huntington, UT 84528
6 Month Six Month Certificate
$500
3.80% ▲ 0.12% above Utah avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.12% above avgNationally 2.78%
Details

Withdrawals: Allowed--Ask Credit Union; Dividend Compounded: Quarterly; Dividend Credited: Quarterly; Dividend Period: At Maturity

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
96 E Center St, Springville, UT 84663
Share Certificates - 6-Month
$0
3.80% ▲ 0.12% above Utah avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.68%▲ 0.12% above avgNationally 2.78%
Details

Early withdrawal penalty: 90 days of interest

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026

Utah 12 Month CD Rates

MonitorBankRates Utah Average · 12 Month CD3.83% APY▲ 0.03% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Utah is 3.83% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
12 Month Certificate - STUDENT Accounts
$100
5.00% ▲ 1.17% above Utah avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 1.17% above avgNationally 2.99%
Details

Maximum $10,000; Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
12 Month Certificate of Deposit
$500
4.50% ▲ 0.67% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.67% above avgNationally 2.99%
Details

Minimum deposit of $500.00; penalty may be imposed for early withdrawal; rates as of October 1, 2026.

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
12 Month Savers Certificate of Deposit
$9
4.50% ▲ 0.67% above Utah avg
View
▼
RateN/A
Min Deposit$9
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.67% above avgNationally 2.99%
Details

Minimum deposit of $9 at opening and $9 per month, up to $10,000.00; penalty may be imposed for early withdrawal; rates as of October 1, 2026.

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
12 months High-Yield CD
$500
4.40% ▲ 0.57% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.83%▲ 0.57% above avgNationally 2.99%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
12 Month Business CD
$1,000
4.40% ▲ 0.57% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.57% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
12 Month Certificate of deposit
$1,000
4.40% ▲ 0.57% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.57% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
12 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.57% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.83%▲ 0.57% above avgNationally 2.99%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
215 S State St, Salt Lake City, UT 84111
1 Year CD
$0
4.36% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.53% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 7, 2026: 4.01% APYSep 27, 2026: 4.36% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.36%▲ from 4.01%
  • Sep 7, 20264.01%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
12 Month CD
$10,000
4.35% ▲ 0.52% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.52% above avgNationally 2.99%
Details

Open Online; Online Only

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.00% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
12 Month IRA
$10,000
4.35% ▲ 0.52% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.52% above avgNationally 2.99%
Details

Open Online

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.00% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
12 Month Share Certificate
$100,000
4.35% ▲ 0.52% above Utah avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.52% above avgNationally 2.99%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Oct 5, 2026: 4.25% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Oct 5, 20264.25%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
12 Month Certificates of deposit (CDs)
$2,500
4.30% ▲ 0.47% above Utah avg
View
▼
Rate4.21%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.47% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
10653 S River Front Parkway, South Jordan, UT 84095
12 Month CD
$500
4.30% ▲ 0.47% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.83%▲ 0.47% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
12921 S Vista Station Blvd, Draper, UT 84020
1-year CD
$1,500
4.25% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
12 Month Certificate
$500
4.25% ▲ 0.42% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
122 S Main St, Gunnison, UT 84634
12 MONTH - ADD ON CERTIFICATE
$0
4.25% ▲ 0.42% above Utah avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
12 Month Share Certificate
$500
4.25% ▲ 0.42% above Utah avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
12 Month Share Certificate of Deposit - Promo Rate
$5,000
4.25% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Promo Rate ($5,000 Min. New Deposit); Penalty: 90 day interest E/W penalty

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
Share Certificate - 12 Months
$5,000
4.25% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Promo Rate ($5,000 Min. New Deposit); Penalty: 90 day interest E/W penalty

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
180 N 300 E, Roosevelt, UT 84066
12 Month Share Certificates - U-IN-TA
$1,000
4.23% ▲ 0.40% above Utah avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.40% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 13, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
75 N University Ave, Provo, UT 84601
12 Month Personal Certificates of Deposit
$0
4.22% ▲ 0.39% above Utah avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.39% above avgNationally 2.99%
Details

Balance: $500+; Term: 12 Months to 23 Months

Rate History
1 change since Sep 28, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 28, 2026: 4.01% APYOct 3, 2026: 4.22% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.22%▲ from 4.01%
  • Sep 28, 20264.01%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
12 Month High Yield CD
$0
4.15% ▲ 0.32% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.32% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
8520 S Sandy Pkwy, Sandy, UT 84070
12 Month Certificate
$500
4.11% ▲ 0.28% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.83%▲ 0.28% above avgNationally 2.99%
Details

Rate History
1 change since Sep 27, 2026 · 3.70% → 4.11% ▲ 0.41 pts · high 4.11% / low 3.70%
3.20%3.91%4.61%Sep 27, 2026: 3.70% APYOct 6, 2026: 4.11% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.11%▲ from 3.70%
  • Sep 27, 20263.70%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
12 Month CD
$1,000
4.10% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.27% above avgNationally 2.99%
Details

$1000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee. See Disclaimer. For terms more than 6 months and up to 12 months, the penalty is 90 days' simple interest.

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 20, 2026: 4.00% APYOct 3, 2026: 4.10% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.10%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
12 Month Certificate
$0
4.10% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.27% above avgNationally 2.99%
Details

APY is Annual Percentage Yield. $25,000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.10%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates - 1 Year CD
$0
4.10% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.27% above avgNationally 2.99%
Details

Dividend pays Quarterly; $50,000 max per account; must be 25 years old or younger; no bump option on Youth Certificates; penalties for withdrawing funds before the end of the designated term may apply

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
12 Month Share Certificate
$1,000
4.06% ▲ 0.23% above Utah avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.23% above avgNationally 2.99%
Details

Minimum deposit $1,000; Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
3.41%3.98%4.56%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.06%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
Share Certificates - 1 Year Youth
$250
4.06% ▲ 0.23% above Utah avg
View
▼
Rate3.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.23% above avgNationally 2.99%
Details

Youth certificate; Youth Certificates may have unlimited deposits

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
12 Month CD
$1,000
4.05% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 12-Month
$2,000
4.05% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 13, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1023 Medical Dr, Brigham City, UT 84302 3049
Certificate - 12-Month
$0
4.05% ▲ 0.22% above Utah avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
12 Month Share Certificate
$0
4.05% ▲ 0.22% above Utah avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate column labeled APR on source page

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYSep 29, 2026: 4.00% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 4.00%
  • Sep 29, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
7181 S Campus View Dr, West Jordan, UT 84084 4312
12 Month Certificate
$0
4.05% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
12 Month Certificate
$500
4.05% ▲ 0.22% above Utah avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.19% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.19% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.19% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
12 Month Certificate
$0
4.01% ▲ 0.18% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.18% above avgNationally 2.99%
Details

Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55%
3.05%3.78%4.51%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.01%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
Growth Certificate - 12 Month Certificate
$0
4.01% ▲ 0.18% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.18% above avgNationally 2.99%
Details

Growth Certificate

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55%
3.05%3.78%4.51%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.01%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
756 E Winchester St, Murray, UT 84107
12 Month Certificate of Deposit (CD)
$500
4.00% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
475 N 300 W, Kaysville, UT 84037
12 Month CD
$1,000
4.00% ▲ 0.17% above Utah avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
12-month Certificate - GoldStar
$0
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
12 Month HSA Certificate
$1,000
4.00% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

HSA Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
Share Certificate - 12 Month Certificate
$0
4.00% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
1 year CD
$500
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
1 Year Traditional IRA CD
$500
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
3920 W Terminal Dr, Salt Lake City, UT 84116
Certificate of Deposit Accounts - 12 Month
$1,000
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
3405 W 1987 S, Salt Lake City, UT 84104 4942
12 Month Regular & IRA Certificate
$0
3.95% ▲ 0.12% above Utah avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.12% above avgNationally 2.99%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 13, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
12 month Certificate (CD)
$500
3.95% ▲ 0.12% above Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.12% above avgNationally 2.99%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Certificate Account - 12 Month
$500
3.95% ▲ 0.12% above Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.12% above avgNationally 2.99%
Details

Dividend Rate: 3.88%; Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Growth Certificate Account - 12 Month
$100
3.95% ▲ 0.12% above Utah avg
View
▼
Rate3.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.83%▲ 0.12% above avgNationally 2.99%
Details

Dividend Rate: 3.88%; Up to $100,000 cumulative Growth Certificate deposits per primary account holder; Dividends paid monthly

Rate History
No change since Sep 29, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 29, 2026: 3.95% APYSep 29, 2026Oct 13, 2026

Utah 18 Month CD Rates

MonitorBankRates Utah Average · 18 Month CD3.87% APY▲ 0.03% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Utah is 3.87% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
18 Month Certificate
$500
4.50% ▲ 0.63% above Utah avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.63% above avgNationally 2.87%
Details

Dividend paid monthly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
18 Month CD
$500
4.40% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
18 months High-Yield CD
$500
4.40% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
18 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.53% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
18 Month Business CD
$1,000
4.40% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
18-Month CD
$1,000
4.40% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
18 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.53% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
18 Month CD
$10,000
4.35% ▲ 0.48% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Open Online; Online Only

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.10% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.10%
  • Sep 25, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
18 Month IRA
$10,000
4.35% ▲ 0.48% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Open Online

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.10% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.10%
  • Sep 25, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
18 Month Share Certificate
$100,000
4.35% ▲ 0.48% above Utah avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Growth Certificate Account - October Special 18 Month
$100
4.35% ▲ 0.48% above Utah avg
View
▼
Rate4.27%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Dividend Rate: 4.266%; Limited-time special; Maximum of $250,000 in total deposits per primary account holder; Dividends paid monthly

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
10653 S River Front Parkway, South Jordan, UT 84095
18 Month CD
$500
4.35% ▲ 0.48% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
18 Month High Yield CD
$0
4.25% ▲ 0.38% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.38% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
18 Month Certificate
$500
4.25% ▲ 0.38% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.38% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
18 Month Share Certificate
$500
4.25% ▲ 0.38% above Utah avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.38% above avgNationally 2.87%
Details

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
180 N 300 E, Roosevelt, UT 84066
18 Month Share Certificates - U-IN-TA
$1,000
4.23% ▲ 0.36% above Utah avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 13, 2026
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
2605 Washington Blvd, Ogden, UT 84401
18 Month CD
$100
4.20% ▲ 0.33% above Utah avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.33% above avgNationally 2.87%
Details

IRA

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
18 Month Certificate
$0
4.18% ▲ 0.31% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.31% above avgNationally 2.87%
Details

APY is Annual Percentage Yield. $25,000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.18% ▲ 0.18 pts · high 4.18% / low 4.00%
3.50%4.09%4.68%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.18% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.18%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
18 Month Share Certificate
$1,000
4.17% ▲ 0.30% above Utah avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.30% above avgNationally 2.87%
Details

Minimum deposit $1,000; Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026

Rate History
2 changes since Sep 14, 2026 · 3.83% → 4.17% ▲ 0.34 pts · high 4.17% / low 3.83%
3.33%4.00%4.67%Sep 14, 2026: 3.83% APYSep 18, 2026: 4.05% APYOct 9, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.17%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
6965 S Union Park Ctr, Cottonwood Heights, UT 84047
18-Month CD
$0
4.15% ▲ 0.28% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
7181 S Campus View Dr, West Jordan, UT 84084 4312
18 Month Certificate
$0
4.15% ▲ 0.28% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
18 Month Certificate
$500
4.15% ▲ 0.28% above Utah avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
18 Month CD
$1,000
4.10% ▲ 0.23% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 18-Month
$2,000
4.10% ▲ 0.23% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 13, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1023 Medical Dr, Brigham City, UT 84302 3049
Certificate - 18-Month
$0
4.10% ▲ 0.23% above Utah avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

w/bump

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
18 Month Share Certificate
$0
4.10% ▲ 0.23% above Utah avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

Rate column labeled APR on source page

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 14, 2026: 3.95% APYSep 29, 2026: 4.00% APYOct 13, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.10%▲ from 4.00%
  • Sep 29, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
18 Month Term Share Certificates
$1,000
4.10% ▲ 0.23% above Utah avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

Dividend Frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
122 S Main St, Gunnison, UT 84634
18 MONTH CERTIFICATE
$0
4.06% ▲ 0.19% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.19% above avgNationally 2.87%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
18 Month Certificate
$0
4.06% ▲ 0.19% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.19% above avgNationally 2.87%
Details

Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
2.83%3.75%4.68%Sep 14, 2026: 3.44% APYOct 13, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.06%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
18 month Certificate (CD)
$500
4.05% ▲ 0.18% above Utah avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.18% above avgNationally 2.87%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Certificate Account - 18 Month
$500
4.05% ▲ 0.18% above Utah avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.18% above avgNationally 2.87%
Details

Dividend Rate: 3.98%; Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month Certificate - GoldStar
$0
4.00% ▲ 0.13% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.13% above avgNationally 2.87%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
Share Certificate - 18 Month Certificate
$0
4.00% ▲ 0.13% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.13% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
18 Month Roth Certificate
$0
4.00% ▲ 0.13% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.13% above avgNationally 2.87%
Details

Section: Certificates / IRA Certificates / Roth IRA Certificates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
3405 W 1987 S, Salt Lake City, UT 84104 4942
18 Month Regular & IRA Certificate
$0
3.95% ▲ 0.08% above Utah avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.08% above avgNationally 2.87%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 13, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1250 Country Hills Dr, Ogden, UT 84403 2560
18 Month Certificate of Deposit
$1,000
3.95% ▲ 0.08% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
18 Month Variable Certificate
$50
3.91% ▲ 0.04% above Utah avg
View
▼
Rate3.84%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▲ 0.04% above avgNationally 2.87%
Details

Variable rate based on the 91-day Treasury Bill average

Rate History
No change since Oct 13, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 13, 2026: 3.91% APYOct 13, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month Certificate
$0
3.90% ▲ 0.03% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.03% above avgNationally 2.87%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
Celtic Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
268 S State St, Salt Lake City, UT 84111
18 Month Certificate
$0
3.87% At Utah avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%At the averageNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77%
3.27%3.82%4.37%Sep 14, 2026: 3.77% APYOct 10, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.87%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
56 N State St, Orem, UT 84057
18 month CD
$500
3.85% ▼ 0.02% below Utah avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▼ 0.02% below avgNationally 2.87%
Details

Column labeled Interest Rate Fixed APR

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
18 Month Certificate
$500
3.80% ▼ 0.07% below Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▼ 0.07% below avgNationally 2.87%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
18-month term
$0
3.80% ▼ 0.07% below Utah avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▼ 0.07% below avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
IRA Certificates (CDs) - 18-month term
$0
3.80% ▼ 0.07% below Utah avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▼ 0.07% below avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
420 E South Temple Ste 520, Salt Lake City, UT 84111
18 Month Certificate
$0
3.70% ▼ 0.17% below Utah avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▼ 0.17% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2701 N Thanksgiving Way, Lehi, UT 84043
18 Month Consumer Certificate of Deposit
$500
3.50% ▼ 0.37% below Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▼ 0.37% below avgNationally 2.87%
Details

Maximum opening deposit $500,000.00

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
18 Month Share Certificate
$500
3.50% ▼ 0.37% below Utah avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▼ 0.37% below avgNationally 2.87%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
First Utah Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD - 18 month
$500
3.27% ▼ 0.60% below Utah avg
View
▼
Rate3.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▼ 0.60% below avgNationally 2.87%
Details

A penalty may be applied for early withdrawal; Quarterly Compound

Rate History
No change since Oct 8, 2026 · 3.27% APY · checked 2 times
2.77%3.27%3.77%Oct 8, 2026: 3.27% APYOct 8, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Business 18 Month Fixed Rate CD
$0
3.25% ▼ 0.62% below Utah avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▼ 0.62% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
3776 S Highland Dr, Millcreek, UT 84106 3270
18 Month Share Certificate
$1,000
3.10% ▼ 0.77% below Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▼ 0.77% below avgNationally 2.87%
Details

Regular and IRA share certificates

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Share Certificate (share and IRAs) - 18 Months
$0
1.60% ▼ 2.27% below Utah avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.87%▼ 2.27% below avgNationally 2.87%
Details

Young Bucks Club and Teen Club minimum amount to open a share certificate is $200

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 13, 2026

Utah 24 Month CD Rates

MonitorBankRates Utah Average · 24 Month CD3.84% APY▲ 0.01% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Utah is 3.84% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2701 N Thanksgiving Way, Lehi, UT 84043
2 Year Consumer Certificate of Deposit
$500
4.60% ▲ 0.76% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.76% above avgNationally 2.88%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
3.90%4.50%5.10%Sep 14, 2026: 4.40% APYOct 8, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.60%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 24-Month
$2,000
4.50% ▲ 0.66% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.66% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
7181 S Campus View Dr, West Jordan, UT 84084 4312
24 Month Certificate
$0
4.50% ▲ 0.66% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
2 year CD
$500
4.50% ▲ 0.66% above Utah avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.66% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 14, 2026: 4.20% APYSep 29, 2026: 4.25% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.25%
  • Sep 29, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
24 Month Share Certificate
$1,000
4.48% ▲ 0.64% above Utah avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.64% above avgNationally 2.88%
Details

Minimum deposit $1,000; Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026

Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
3.49%4.23%4.98%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYOct 9, 2026: 4.48% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.48%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
24 Month Business CD
$1,000
4.45% ▲ 0.61% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
24 Month Certificate of deposit
$1,000
4.45% ▲ 0.61% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
24 Month Certificate
$500
4.45% ▲ 0.61% above Utah avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.61% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.45%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
2 years High-Yield CD
$500
4.40% ▲ 0.56% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.84%▲ 0.56% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
24 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.56% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
24 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.56% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.84%▲ 0.56% above avgNationally 2.88%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
10653 S River Front Parkway, South Jordan, UT 84095
24 Month CD
$500
4.40% ▲ 0.56% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.84%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
24 Month CD
$10,000
4.35% ▲ 0.51% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.51% above avgNationally 2.88%
Details

Open Online; Online Only

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 14, 2026: 4.10% APYSep 25, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Sep 25, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
24 Month IRA
$10,000
4.35% ▲ 0.51% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.51% above avgNationally 2.88%
Details

Open Online

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 14, 2026: 4.10% APYSep 25, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Sep 25, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
24 Month Share Certificate
$100,000
4.35% ▲ 0.51% above Utah avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.51% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
24 Month Certificate
$500
4.30% ▲ 0.46% above Utah avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
24 Month Share Certificate
$0
4.30% ▲ 0.46% above Utah avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.46% above avgNationally 2.88%
Details

Rate column labeled APR on source page

Rate History
2 changes since Sep 14, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
3.55%4.18%4.80%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.20% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 4.20%
  • Sep 29, 20264.20%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
24 Month Share Certificate of Deposit - Promo Rate
$5,000
4.30% ▲ 0.46% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.46% above avgNationally 2.88%
Details

Promo Rate ($5,000 Min. New Deposit); Penalty: 180 day interest E/W penalty

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
Share Certificate - 24 Months
$5,000
4.30% ▲ 0.46% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.46% above avgNationally 2.88%
Details

Promo Rate ($5,000 Min. New Deposit); Penalty: 180 day interest E/W penalty

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
2 Year Traditional IRA CD
$500
4.29% ▲ 0.45% above Utah avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.45% above avgNationally 2.88%
Details

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Rate History
No change since Sep 14, 2026 · 4.29% APY · checked 7 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APYSep 14, 2026Oct 13, 2026
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
2 Year CD
$1,000
4.25% ▲ 0.41% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

$1000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee. See Disclaimer. For terms more than 12 months and up to 2 years, the penalty is 180 days' simple interest.

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
2 Year Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

APY is Annual Percentage Yield. $25,000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1023 Medical Dr, Brigham City, UT 84302 3049
Certificate - 24-Month
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
24 Month Share Certificate
$500
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
24 month Certificate (CD)
$500
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Business Jumbo Share Certificates
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Minimum balance to open a Business Jumbo Share Certificate and earn the advertised APY is $75,000.00; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Business Share Certificates
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month IRA Jumbo Share Certificates
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Minimum balance $75,000.00 to earn advertised APY; penalty may apply for early withdrawal

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Jumbo Share Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Share Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
Share Certificate - 24 Month Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
24 Month Term Share Certificates
$1,000
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Dividend Frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
24 Month Certificate of Deposit
$500
4.25% ▲ 0.41% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Minimum deposit of $500.00; penalty may be imposed for early withdrawal; rates as of October 1, 2026.

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
24 Month Certificate
$0
4.21% ▲ 0.37% above Utah avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.37% above avgNationally 2.88%
Details

Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.22% ▲ 0.67 pts · high 4.22% / low 3.55%
2.88%3.88%4.88%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.22% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.22%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
Growth Certificate - 24 Month Certificate
$0
4.21% ▲ 0.37% above Utah avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.37% above avgNationally 2.88%
Details

Growth Certificate

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.22% ▲ 0.67 pts · high 4.22% / low 3.55%
2.88%3.88%4.88%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.22% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.22%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
122 S Main St, Gunnison, UT 84634
24 MONTH CERTIFICATE
$0
4.20% ▲ 0.36% above Utah avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.36% above avgNationally 2.88%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
24 Month Certificate
$500
4.20% ▲ 0.36% above Utah avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.36% above avgNationally 2.88%
Details

Dividend paid monthly

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 14, 2026: 4.05% APYSep 25, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.20%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates - 2 Year CD
$0
4.20% ▲ 0.36% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.36% above avgNationally 2.88%
Details

Dividend pays Quarterly; $50,000 max per account; must be 25 years old or younger; no bump option on Youth Certificates; penalties for withdrawing funds before the end of the designated term may apply

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
24 Month CD
$1,000
4.15% ▲ 0.31% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.31% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Certificate Account - 24 Month
$500
4.15% ▲ 0.31% above Utah avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.31% above avgNationally 2.88%
Details

Dividend Rate: 4.07%; Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Growth Certificate Account - 24 Month
$100
4.15% ▲ 0.31% above Utah avg
View
▼
Rate4.07%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.31% above avgNationally 2.88%
Details

Dividend Rate: 4.07%; Up to $100,000 cumulative Growth Certificate deposits per primary account holder; Dividends paid monthly

Rate History
1 change since Sep 29, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 29, 2026: 4.00% APYOct 13, 2026: 4.15% APYSep 29, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
3405 W 1987 S, Salt Lake City, UT 84104 4942
24 Month Regular & IRA Certificate
$0
4.10% ▲ 0.26% above Utah avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.26% above avgNationally 2.88%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
24 Month Roth Certificate
$0
4.10% ▲ 0.26% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.26% above avgNationally 2.88%
Details

Section: Certificates / IRA Certificates / Roth IRA Certificates

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
180 N 300 E, Roosevelt, UT 84066
24 Month Share Certificates - U-IN-TA
$1,000
4.07% ▲ 0.23% above Utah avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 13, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
75 N University Ave, Provo, UT 84601
24 Month Personal Certificates of Deposit
$0
4.06% ▲ 0.22% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.22% above avgNationally 2.88%
Details

Balance: $500+; Term: 24 Months to 35 Months

Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 28, 2026: 3.96% APYOct 3, 2026: 4.06% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.06%▲ from 3.96%
  • Sep 28, 20263.96%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
24 Month Certificate
$0
4.05% ▲ 0.21% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.21% above avgNationally 2.88%
Details

Effective September 18, 2026; Early withdrawal penalty applies

Rate History
1 change since Sep 20, 2026 · 2.97% → 4.05% ▲ 1.08 pts · high 4.05% / low 2.97%
1.89%3.51%5.13%Sep 20, 2026: 2.97% APYOct 12, 2026: 4.05% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.05%▲ from 2.97%
  • Sep 20, 20262.97%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
Certificate - 24 Months
$0
4.05% ▲ 0.21% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.21% above avgNationally 2.88%
Details

Certificate rates effective September 18, 2026

Rate History
1 change since Sep 12, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05%
2.05%3.55%5.05%Sep 12, 2026: 3.05% APYSep 25, 2026: 4.05% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.05%▲ from 3.05%
  • Sep 12, 20263.05%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
120 E 1000 S, Brigham City, UT 84302 4357
24 Month CD
$0
4.05% ▲ 0.21% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.21% above avgNationally 2.88%
Details

Dividends paid quarterly; one-time bump option available (original CD rate will be .25% lower than stated if opted); Penalties for withdrawing before term end may apply

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus Certificates - 24 Month
$0
4.02% ▲ 0.18% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.18% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 0.18% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.84%▲ 0.18% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded

Utah 36 Month CD Rates

MonitorBankRates Utah Average · 36 Month CD3.73% APYUnchanged from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Utah is 3.73% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
36 Month Business CD
$1,000
4.50% ▲ 0.77% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
3280 N University Ave, Provo, UT 84604
36 Month Certificate of deposit
$1,000
4.50% ▲ 0.77% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
36 Month Share Certificate
$1,000
4.48% ▲ 0.75% above Utah avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.75% above avgNationally 2.81%
Details

Minimum deposit $1,000; Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026

Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
3.49%4.23%4.98%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYOct 9, 2026: 4.48% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.48%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
36 Month Certificates of deposit (CDs)
$2,500
4.45% ▲ 0.72% above Utah avg
View
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.72% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
3.90%4.43%4.95%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.45%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
36 Month Certificates of deposit (CDs)
$2,500
4.45% ▲ 0.72% above Utah avg
View
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.73%▲ 0.72% above avgNationally 2.81%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 10, 2026: 4.45% APYOct 10, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
3 years High-Yield CD
$500
4.40% ▲ 0.67% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
36 Month Certificate
$500
4.40% ▲ 0.67% above Utah avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 36-Month
$2,000
4.40% ▲ 0.67% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
36 Month Share Certificate
$100,000
4.40% ▲ 0.67% above Utah avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.81%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1023 Medical Dr, Brigham City, UT 84302 3049
Certificate - 36-Month
$0
4.35% ▲ 0.62% above Utah avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
36 Month Certificate
$500
4.35% ▲ 0.62% above Utah avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
36 Month Share Certificate of Deposit - Promo Rate
$5,000
4.35% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.81%
Details

Promo Rate ($5,000 Min. New Deposit); Penalty: 180 day interest E/W penalty

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
72 E 700 N, Logan, UT 84321
Share Certificate - 36 Months
$5,000
4.35% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.81%
Details

Promo Rate ($5,000 Min. New Deposit); Penalty: 180 day interest E/W penalty

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
36 Month Share Certificate
$0
4.30% ▲ 0.57% above Utah avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.57% above avgNationally 2.81%
Details

Rate column labeled APR on source page

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.15% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 4.15%
  • Sep 29, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
36 Month Share Certificate
$500
4.30% ▲ 0.57% above Utah avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.57% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
36 Month Certificate
$500
4.30% ▲ 0.57% above Utah avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.57% above avgNationally 2.81%
Details

Dividend paid monthly

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 14, 2026: 4.15% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
36 Month Certificate
$0
4.27% ▲ 0.54% above Utah avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.54% above avgNationally 2.81%
Details

Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.27% ▲ 0.72 pts · high 4.27% / low 3.55%
2.82%3.91%4.99%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.27%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
Growth Certificate - 36 Month Certificate
$0
4.27% ▲ 0.54% above Utah avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.54% above avgNationally 2.81%
Details

Growth Certificate

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.27% ▲ 0.72 pts · high 4.27% / low 3.55%
2.82%3.91%4.99%Sep 14, 2026: 3.55% APYOct 13, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.27%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
3 Year CD
$1,000
4.25% ▲ 0.52% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.81%
Details

$1000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee. See Disclaimer. For terms more than 2 years and up to 5 years, the penalty is 365 days' simple interest.

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
13907 S Minuteman Dr, Draper, UT 84020
3 Year Certificate
$0
4.25% ▲ 0.52% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.81%
Details

APY is Annual Percentage Yield. $25,000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
Share Certificate - 36 Month Certificate
$0
4.25% ▲ 0.52% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
36 Month Term Share Certificates
$1,000
4.25% ▲ 0.52% above Utah avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.81%
Details

Dividend Frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
36 Month CD
$1,000
4.20% ▲ 0.47% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
36 month Certificate (CD)
$500
4.20% ▲ 0.47% above Utah avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.20% ▲ 0.05 pts · high 4.20% / low 4.15%
3.65%4.18%4.70%Sep 14, 2026: 4.15% APYSep 25, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.20%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
3 year CD
$500
4.20% ▲ 0.47% above Utah avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.15% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 4.15%
  • Sep 29, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
36 Month Roth Certificate
$0
4.20% ▲ 0.47% above Utah avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.81%
Details

Section: Certificates / IRA Certificates / Roth IRA Certificates

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Certificate Account - 36 Month
$500
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Dividend Rate: 4.07%; Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.15% ▼ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▼ from 4.25%
  • Sep 14, 20264.25%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Business Jumbo Share Certificates
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Minimum balance to open a Business Jumbo Share Certificate and earn the advertised APY is $75,000.00; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Business Share Certificates
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month IRA Jumbo Share Certificates
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Minimum balance $75,000.00 to earn advertised APY; penalty may apply for early withdrawal

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Jumbo Share Certificate
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Share Certificate
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
120 E 1000 S, Brigham City, UT 84302 4357
36 Month CD
$0
4.15% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Dividends paid quarterly; one-time bump option available (original CD rate will be .25% lower than stated if opted); Penalties for withdrawing before term end may apply

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 26, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates - 3 Year CD
$0
4.15% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Dividend pays Quarterly; $50,000 max per account; must be 25 years old or younger; no bump option on Youth Certificates; penalties for withdrawing funds before the end of the designated term may apply

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
36 Month Certificate
$0
4.10% ▲ 0.37% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.37% above avgNationally 2.81%
Details

Effective September 18, 2026; Early withdrawal penalty applies

Rate History
1 change since Sep 20, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 20, 2026: 3.30% APYOct 12, 2026: 4.10% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.10%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
Certificate - 36 Months
$0
4.10% ▲ 0.37% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.37% above avgNationally 2.81%
Details

Certificate rates effective September 18, 2026

Rate History
1 change since Sep 12, 2026 · 3.36% → 4.10% ▲ 0.74 pts · high 4.10% / low 3.36%
2.62%3.73%4.84%Sep 12, 2026: 3.36% APYSep 25, 2026: 4.10% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.10%▲ from 3.36%
  • Sep 12, 20263.36%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
3405 W 1987 S, Salt Lake City, UT 84104 4942
36 Month Regular & IRA Certificate
$0
4.10% ▲ 0.37% above Utah avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.37% above avgNationally 2.81%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
180 N 300 E, Roosevelt, UT 84066
36 Month Share Certificates - U-IN-TA
$1,000
4.07% ▲ 0.34% above Utah avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 13, 2026: 4.07% APYOct 13, 2026Oct 13, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
75 N University Ave, Provo, UT 84601
36 Month Personal Certificates of Deposit
$0
4.06% ▲ 0.33% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.33% above avgNationally 2.81%
Details

Balance: $500+; Term: 36 Months to 47 Months

Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 28, 2026: 3.96% APYOct 3, 2026: 4.06% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.06%▲ from 3.96%
  • Sep 28, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus Certificates - 36 Month
$0
4.02% ▲ 0.29% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.29% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 0.29% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.29% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
8520 S Sandy Pkwy, Sandy, UT 84070
36 Month 1 Bump
$500
4.01% ▲ 0.28% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.73%▲ 0.28% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 6, 2026: 4.01% APYOct 6, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
3 Year High Yield CD
$0
4.00% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
36-month Certificate - GoldStar
$0
4.00% ▲ 0.27% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.81%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
3 Year Traditional IRA CD
$500
4.00% ▲ 0.27% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.81%
Details

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
36 Month Certificate
$500
4.00% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.81%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1250 Country Hills Dr, Ogden, UT 84403 2560
36 Month Certificate of Deposit
$1,000
3.99% ▲ 0.26% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificate of Deposit - 36 Month
$0
3.95% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 5, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
36-month Certificate
$0
3.90% ▲ 0.17% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.17% above avgNationally 2.81%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
96 E Center St, Springville, UT 84663
Share Certificates - 3-Year
$0
3.90% ▲ 0.17% above Utah avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.73%▲ 0.17% above avgNationally 2.81%
Details

Early withdrawal penalty: 180 days of interest

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026

Utah 48 Month CD Rates

MonitorBankRates Utah Average · 48 Month CD3.63% APY▼ 0.03% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Utah is 3.63% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
48 Month Certificate
$500
4.45% ▲ 0.82% above Utah avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.63%▲ 0.82% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 48-Month
$2,000
4.45% ▲ 0.82% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.82% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
4 years High-Yield CD
$500
4.40% ▲ 0.77% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▲ 0.77% above avgNationally 2.80%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
48 Month Share Certificate
$100,000
4.40% ▲ 0.77% above Utah avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.77% above avgNationally 2.80%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
48 Month Share Certificate
$0
4.35% ▲ 0.72% above Utah avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.72% above avgNationally 2.80%
Details

Rate column labeled APR on source page

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Sep 29, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
48 Month Certificate
$500
4.35% ▲ 0.72% above Utah avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.72% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
48 Month Certificate
$500
4.35% ▲ 0.72% above Utah avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.72% above avgNationally 2.80%
Details

Dividend paid monthly

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
48 Month Share Certificate
$500
4.30% ▲ 0.67% above Utah avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.67% above avgNationally 2.80%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
48 Month Certificate
$0
4.27% ▲ 0.64% above Utah avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.64% above avgNationally 2.80%
Details

Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.27% ▲ 0.62 pts · high 4.27% / low 3.65%
3.03%3.96%4.89%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.27%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
Growth Certificate - 48 Month Certificate
$0
4.27% ▲ 0.64% above Utah avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.64% above avgNationally 2.80%
Details

Growth Certificate

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.27% ▲ 0.62 pts · high 4.27% / low 3.65%
3.03%3.96%4.89%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.27%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
48 month Certificate (CD)
$500
4.25% ▲ 0.62% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.62% above avgNationally 2.80%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYSep 25, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
48 Month Term Share Certificates
$1,000
4.25% ▲ 0.62% above Utah avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.62% above avgNationally 2.80%
Details

Dividend Frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
180 N 300 E, Roosevelt, UT 84066
48 Month Share Certificates - U-IN-TA
$1,000
4.23% ▲ 0.60% above Utah avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.60% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 13, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
48 Month CD
$1,000
4.20% ▲ 0.57% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Certificate Account - 48 Month
$500
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Dividend Rate: 4.12%; Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Business Jumbo Share Certificates
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Minimum balance to open a Business Jumbo Share Certificate and earn the advertised APY is $75,000.00; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Business Share Certificates
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month IRA Jumbo Share Certificates
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Minimum balance $75,000.00 to earn advertised APY; penalty may apply for early withdrawal

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Jumbo Share Certificate
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Share Certificate
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
48 Month Roth Certificate
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Section: Certificates / IRA Certificates / Roth IRA Certificates

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
48 Month Certificate
$0
4.15% ▲ 0.52% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.52% above avgNationally 2.80%
Details

Effective September 18, 2026; Early withdrawal penalty applies

Rate History
1 change since Sep 20, 2026 · 3.36% → 4.15% ▲ 0.79 pts · high 4.15% / low 3.36%
2.57%3.76%4.94%Sep 20, 2026: 3.36% APYOct 12, 2026: 4.15% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.15%▲ from 3.36%
  • Sep 20, 20263.36%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
Certificate - 48 Months
$0
4.15% ▲ 0.52% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.52% above avgNationally 2.80%
Details

Certificate rates effective September 18, 2026

Rate History
1 change since Sep 12, 2026 · 3.46% → 4.15% ▲ 0.69 pts · high 4.15% / low 3.46%
2.77%3.81%4.84%Sep 12, 2026: 3.46% APYSep 25, 2026: 4.15% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.15%▲ from 3.46%
  • Sep 12, 20263.46%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
3405 W 1987 S, Salt Lake City, UT 84104 4942
48 Month Regular & IRA Certificate
$0
4.15% ▲ 0.52% above Utah avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.52% above avgNationally 2.80%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 13, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
75 N University Ave, Provo, UT 84601
48 Month Personal Certificates of Deposit
$0
4.06% ▲ 0.43% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.43% above avgNationally 2.80%
Details

Balance: $500+; Term: 48 Months to 59 Months

Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 28, 2026: 3.96% APYOct 3, 2026: 4.06% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.06%▲ from 3.96%
  • Sep 28, 20263.96%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
8520 S Sandy Pkwy, Sandy, UT 84070
48 Month 1 Bump
$500
4.06% ▲ 0.43% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▲ 0.43% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 6, 2026: 4.06% APYOct 6, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate - GoldStar
$0
4.00% ▲ 0.37% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.37% above avgNationally 2.80%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificate of Deposit - 48 Month
$0
4.00% ▲ 0.37% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.37% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1250 Country Hills Dr, Ogden, UT 84403 2560
48 Month Certificate of Deposit
$1,000
3.99% ▲ 0.36% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus Certificates - 48 Month
$0
3.97% ▲ 0.34% above Utah avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.34% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 0.34% above Utah avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.34% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
48 Month Certificate
$500
3.95% ▲ 0.32% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.32% above avgNationally 2.80%
Details

Automatic Renewal; Paid at End of Term

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate
$0
3.90% ▲ 0.27% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.27% above avgNationally 2.80%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
Share Certificates - 4 Years
$500
3.90% ▲ 0.27% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
Traditional IRA Certificate - 4 Years
$5
3.90% ▲ 0.27% above Utah avg
View
▼
Rate3.83%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.27% above avgNationally 2.80%
Details

Traditional & Roth IRA; Rate Type: Fixed; IRA Certificates - Traditional & Roth

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
48 Month IRA Certificates
$0
3.81% ▲ 0.18% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.18% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Certificates - 48 Month
$0
3.81% ▲ 0.18% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▲ 0.18% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
3141 W 4700 S, Taylorsville, UT 84129 2525
4 Year Certificate
$1,000
3.80% ▲ 0.17% above Utah avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▲ 0.17% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
122 S Main St, Gunnison, UT 84634
48 MONTH CERTIFICATE
$0
3.80% ▲ 0.17% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.63%▲ 0.17% above avgNationally 2.80%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
420 E South Temple Ste 520, Salt Lake City, UT 84111
48 Month Certificate
$0
3.29% ▼ 0.34% below Utah avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▼ 0.34% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
48 Month Share Certificate
$500
3.25% ▼ 0.38% below Utah avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.38% below avgNationally 2.80%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
191 E Gateway Dr, Heber City, UT 84032
48 Month Certificate
$500
3.20% ▼ 0.43% below Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.43% below avgNationally 2.80%
Details

.25% bonus for Star and Senior Accounts!

Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 24, 2026: 3.10% APYOct 12, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
  • Oct 12, 20263.20%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
National JACL Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
3776 S Highland Dr, Millcreek, UT 84106 3270
4 Year Share Certificate
$1,000
3.15% ▼ 0.48% below Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.63%▼ 0.48% below avgNationally 2.80%
Details

Regular and IRA share certificates

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
First Utah Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD - 48 month
$500
3.07% ▼ 0.56% below Utah avg
View
▼
Rate3.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.56% below avgNationally 2.80%
Details

A penalty may be applied for early withdrawal; Quarterly Compound

Rate History
No change since Oct 8, 2026 · 3.07% APY · checked 2 times
2.57%3.07%3.57%Oct 8, 2026: 3.07% APYOct 8, 2026Oct 13, 2026
Green Dot Bank DBA Bonneville Bank
Institution Rating:
B+3.8 ★Texas Ratio: 0.46%
1675 N 200 W, Provo, UT 84604
4 Year Certificate
$0
3.04% ▼ 0.59% below Utah avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Utah Average3.63%▼ 0.59% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
4 Year Raise Your Rate CD
$0
3.00% ▼ 0.63% below Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.63%▼ 0.63% below avgNationally 2.80%
Details

No minimum deposit to open

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
48 Month CD
$10,000
3.00% ▼ 0.63% below Utah avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.63% below avgNationally 2.80%
Details

Open Online; Online Only

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
48 Month IRA
$10,000
3.00% ▼ 0.63% below Utah avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.63% below avgNationally 2.80%
Details

Open Online

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term
$0
2.90% ▼ 0.73% below Utah avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▼ 0.73% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
IRA Certificates (CDs) - 48-month term
$0
2.90% ▼ 0.73% below Utah avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▼ 0.73% below avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 10, 2026: 2.90% APYOct 10, 2026Oct 13, 2026

Utah 60 Month CD Rates

MonitorBankRates Utah Average · 60 Month CD3.76% APYUnchanged from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Utah is 3.76% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
60 Month Certificates of deposit (CDs)
$2,500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.40% → 4.50% ▲ 0.10 pts · high 4.50% / low 4.40%
3.90%4.45%5.00%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.50%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
60-month CD
$0
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Advertised Interest Rate and Annual Percentage Yield (APY) for Certificates of Deposit may change after maturity, applies to personal accounts only, and are accurate as of 10/06/2026. A penalty may be charged for early withdrawal. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
60 Month Certificates of deposit (CDs)
$2,500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 10, 2026: 4.50% APYOct 10, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit - 60-Month
$2,000
4.50% ▲ 0.74% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
7181 S Campus View Dr, West Jordan, UT 84084 4312
60 Month Certificate
$0
4.50% ▲ 0.74% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
60 Month Certificate Account
$500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Dividends credited monthly; early-withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
Regular Certificate - 60 Months
$500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
5 year CD
$500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05%
3.55%4.28%5.00%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.30% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.30%
  • Sep 29, 20264.30%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
243 E 125 N, Morgan, UT 84050
60 Month Share Certificate
$1,000
4.48% ▲ 0.72% above Utah avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.72% above avgNationally 2.90%
Details

Minimum deposit $1,000; Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026

Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
3.49%4.23%4.98%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYOct 9, 2026: 4.48% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.48%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
500 E 1400 N, Logan, UT 84341
60 Month Share Certificate
$0
4.45% ▲ 0.69% above Utah avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.69% above avgNationally 2.90%
Details

Rate column labeled APR on source page

Rate History
2 changes since Sep 14, 2026 · 4.05% → 4.45% ▲ 0.40 pts · high 4.45% / low 4.05%
3.55%4.25%4.95%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.20% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.20%
  • Sep 29, 20264.20%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
5 years High-Yield CD
$500
4.40% ▲ 0.64% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.64% above avgNationally 2.90%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
60 Month Share Certificate
$100,000
4.40% ▲ 0.64% above Utah avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.64% above avgNationally 2.90%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
147 26th st, Ogden, UT 84401
60 Month Certificate
$500
4.40% ▲ 0.64% above Utah avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.64% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 5, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3012 S 1900 W, Ogden, UT 84401
60 Month Certificate
$500
4.40% ▲ 0.64% above Utah avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.64% above avgNationally 2.90%
Details

Dividend paid monthly

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 14, 2026: 4.25% APYOct 13, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
60 Month Certificate
$0
4.37% ▲ 0.61% above Utah avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.61% above avgNationally 2.90%
Details

Share Certificates

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.37% ▲ 0.72 pts · high 4.37% / low 3.65%
2.93%4.01%5.09%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.37%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
296 E CENTER STREET, MONTICELLO, UT 84535
Growth Certificate - 60 Month Certificate
$0
4.37% ▲ 0.61% above Utah avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.61% above avgNationally 2.90%
Details

Growth Certificate

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.37% ▲ 0.72 pts · high 4.37% / low 3.65%
2.93%4.01%5.09%Sep 14, 2026: 3.65% APYOct 13, 2026: 4.37% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.37%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
60 Month Bump-Rate Certificate
$500
4.35% ▲ 0.59% above Utah avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.59% above avgNationally 2.90%
Details

Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
60 Month HSA Certificate
$1,000
4.35% ▲ 0.59% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.59% above avgNationally 2.90%
Details

HSA Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
675 E 100 N, Price, UT 84501
Share Certificate - 60 Month Certificate
$0
4.35% ▲ 0.59% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
273 W 500 S, Bountiful, UT 84010
60 Month Share Certificate
$500
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3876 W Center view Way, West Jordan, UT 84084
60 month Certificate (CD)
$500
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 25, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Business Jumbo Share Certificates
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Minimum balance to open a Business Jumbo Share Certificate and earn the advertised APY is $75,000.00; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Business Share Certificates
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month IRA Jumbo Share Certificates
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Minimum balance $75,000.00 to earn advertised APY; penalty may apply for early withdrawal

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Jumbo Share Certificate
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Share Certificate
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
60 Month Certificate
$500
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
122 S Main St, Gunnison, UT 84634
60 MONTH CERTIFICATE
$0
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9260 S 300 E, Sandy, UT 84070
Certificate Account - 60 Month
$500
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

Dividend Rate: 4.17%; Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 5, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
280 E 12300 S, Draper, UT 84020
60 Month Roth Certificate
$0
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

Section: Certificates / IRA Certificates / Roth IRA Certificates

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
815 N Freedom Blvd, Provo, UT 84604 3315
60 Month Term Share Certificates
$1,000
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

Dividend Frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 13, 2026
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
180 N 300 E, Roosevelt, UT 84066
60 Month Share Certificates - U-IN-TA
$1,000
4.23% ▲ 0.47% above Utah avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.47% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 13, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
60 Month CD
$1,000
4.20% ▲ 0.44% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
60 Month Certificate
$0
4.20% ▲ 0.44% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Effective September 18, 2026; Early withdrawal penalty applies

Rate History
1 change since Sep 20, 2026 · 3.49% → 4.20% ▲ 0.71 pts · high 4.20% / low 3.49%
2.78%3.85%4.91%Sep 20, 2026: 3.49% APYOct 12, 2026: 4.20% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.20%▲ from 3.49%
  • Sep 20, 20263.49%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
564 E 300 S, SALT LAKE CITY, UT 84102
Certificate - 60 Months
$0
4.20% ▲ 0.44% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Certificate rates effective September 18, 2026

Rate History
1 change since Sep 12, 2026 · 3.56% → 4.20% ▲ 0.64 pts · high 4.20% / low 3.56%
2.92%3.88%4.84%Sep 12, 2026: 3.56% APYSep 25, 2026: 4.20% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.20%▲ from 3.56%
  • Sep 12, 20263.56%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
3405 W 1987 S, Salt Lake City, UT 84104 4942
60 Month Regular & IRA Certificate
$0
4.20% ▲ 0.44% above Utah avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
75 N University Ave, Provo, UT 84601
60 Month Personal Certificates of Deposit
$0
4.16% ▲ 0.40% above Utah avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.40% above avgNationally 2.90%
Details

Balance: $500+

Rate History
1 change since Sep 28, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
3.56%4.11%4.66%Sep 28, 2026: 4.06% APYOct 3, 2026: 4.16% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.16%▲ from 4.06%
  • Sep 28, 20264.06%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
8520 S Sandy Pkwy, Sandy, UT 84070
60 Month 1 Bump
$500
4.11% ▲ 0.35% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.35% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 6, 2026: 4.11% APYOct 6, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
5 Year High Yield CD
$0
4.10% ▲ 0.34% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.34% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1250 Country Hills Dr, Ogden, UT 84403 2560
60 Month Certificate of Deposit
$1,000
4.10% ▲ 0.34% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.34% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
3141 W 4700 S, Taylorsville, UT 84129 2525
5 Year Certificate
$1,000
4.06% ▲ 0.30% above Utah avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.30% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
725 N Main St, Moab, UT 84532 2132
5 Year Traditional IRA CD
$500
4.05% ▲ 0.29% above Utah avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.29% above avgNationally 2.90%
Details

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
500 Foothill Dr, Salt Lake City, UT 84148 0001
60-month Certificate - GoldStar
$0
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificate of Deposit - 60 Month
$0
4.00% ▲ 0.24% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
Share Certificates - 5 Years
$500
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
Traditional IRA Certificate - 5 Years
$5
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.92%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Traditional & Roth IRA; Rate Type: Fixed; IRA Certificates - Traditional & Roth

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
9160 N Highway 83, Corinne, UT 84307
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
96 E Center St, Springville, UT 84663
Share Certificates - 5-Year Jump
$0
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Jump during 5-year term; Early withdrawal penalty: 180 days of interest

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
3141 W 4700 S, Taylorsville, UT 84129 2525
5 Year Step-Up CD
$1,000
3.96% ▲ 0.20% above Utah avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.20% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Utah Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Happen Bank
2 Year Consumer Certificate of Deposit
A+ 5.0 ★ TX: 2.06%
Min: $500
4.60%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Sallie Mae
60 Month Certificates of deposit (CDs)
A+ 5.0 ★ TX: 4.70%
Min: $2,500
4.50%
Quill Bank
36 Month Business CD
A- 5.0 ★ TX: 14.58%
Min: $1,000
4.50%
Smartypig, by Sallie Mae
60 Month Certificates of deposit (CDs)
A+ 5.0 ★ TX: 4.70%
Min: $2,500
4.50%
CU Top 5 Credit Union Rates
P&S Credit Union
12 Month Certificate - STUDENT Accounts
A+ 5.0 ★ TX: 0.10%
Min: $100
5.00%
Utah First Federal Credit Union
Traditional and IRA Term Deposit - 24-Month
A+ 5.0 ★ TX: 1.01%
Min: $2,000
4.50%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.50%
America First Federal Credit Union
60 Month Certificate Account
A 5.0 ★ TX: 8.33%
Min: $500
4.50%
Wasatch Peaks Federal Credit Union
18 Month Certificate
A+ 5.0 ★ TX: 0.78%
Min: $500
4.50%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Utah CD Rate Trends

Compare local Utah CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Utah CD Trends
12-Month CD UT Avg
3.829%
▲ 0.028 vs 7 days ago

Utah 12-month CD rates rose 0.028 points over the past 7 days to 3.829% APY.

6-Month CD UT Avg
3.676%
▼ 0.003 vs 7 days ago

Utah 6-month CD rates fell 0.003 points over the past 7 days to 3.676% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

UT CD Rate Forecast, Next 12 Months

Where are Utah CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

UT 12-Month Avg APY
3.829%
6-Month Forecast
3.829%
Range: 3.63%, 3.98%
12-Month Forecast
4.079%
Range: 3.88%, 4.23%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Utah average 12-month CD APY in our database.

Spread model: The Utah 12-month CD average currently trades 0.55% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at UT CD Rates Today

Annual interest earnings at today’s Utah average APYs. State average used where available; national average as fallback.

CD Term UT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.426% $121.32 $242.63 $606.58 $1,213.15
6-Month CD 3.676% $183.80 $367.59 $918.98 $1,837.95
12-Month CD 3.829% $191.47 $382.94 $957.35 $1,914.70
18-Month CD 3.870% $193.49 $386.97 $967.43 $1,934.85
24-Month CD 3.838% $191.92 $383.83 $959.58 $1,919.15
36-Month CD 3.728% $186.40 $372.79 $931.98 $1,863.95
48-Month CD 3.627% $181.35 $362.69 $906.73 $1,813.45
60-Month CD 3.762% $188.08 $376.16 $940.40 $1,880.80
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Utah Savers

$25,000 split equally across 5 terms using today’s Utah average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit UT Avg APY Annual Earnings
1 3-Month CD $5,000 2.426% $121.32
2 6-Month CD $5,000 3.676% $183.80
3 12-Month CD $5,000 3.829% $191.47
4 24-Month CD $5,000 3.838% $191.92
5 36-Month CD $5,000 3.728% $186.40
Total ($25,000 invested) $25,000 3.500% blended $874.91/yr

Ladder example uses equal $5,000 rungs and Utah average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
605
CD Rates
Tracked in Utah
29 Banks 46 Credit Unions

About Our Utah CD Rate Database

MonitorBankRates tracks 605 CD rates from 29 banks and 46 credit unions with locations in Utah, plus national online institutions available to Utah residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: P&S Credit Union offers a CD at 5.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Utah.

How to Find the Best CD Rates in Utah

What to compare when shopping for a CD in Utah

To find the best APYs in Utah, start with credit unions and online-only banks: Utah has 46 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Utah

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Utah: 75 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Utah savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Utah money market rates

Utah Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
11.9%
National avg: 17.3%
Median Individual Earnings
$43,714
National avg: $47,340
Poverty Rate
8.5%
National avg: 11.1%
Unemployment Rate
3.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$167/yr
At UT 12-mo avg 3.829% APY

11.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy. At today’s UT 12-month CD average of 3.829%, saving 10% of the local median salary ($4,371/year) and putting it in a CD would earn an additional $167 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Utah

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Utah

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Utah typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Utah as everywhere in the U.S.

Choosing a CD Term in Utah

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Utah savers easier access to their funds. For example, Marcus Bank is offering its 6 Month High-Yield CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Sallie Mae is offering its 60 Month Certificates of deposit (CDs) at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Utah Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Utah saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Utah

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Utah CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Utah

Most CDs carry a fixed rate that is locked for the entire term, protecting a Utah depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Utah

Are CD rates in Utah FDIC insured?

Yes, most established banks in Utah are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Utah?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Utah.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Utah may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Utah?

Here are recent top rates found for this area:
  • P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
  • Happen Bank: 4.60% APY (2 Year Consumer Certificate of Deposit)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Sallie Mae: 4.50% APY (60 Month Certificates of deposit (CDs))
  • Quill Bank: 4.50% APY (36 Month Business CD)
  • Smartypig, by Sallie Mae: 4.50% APY (60 Month Certificates of deposit (CDs))
  • Utah First Federal Credit Union: 4.50% APY (Traditional and IRA Term Deposit - 24-Month)
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
  • Wasatch Peaks Federal Credit Union: 4.50% APY (18 Month Certificate)
Rates reflect recent verified offers available in Utah. Last Updated: October 13, 2026

Utah CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Utah rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Utah CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Utah. Averages shown use the Utah state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Utah

Utah CD Calculator

At today’s UT top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Utah CD Ladder

UT CD rates currently range from 2.426% (3-month) to 3.728% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Utah CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Utah’s average 12-month CD is 3.829% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Utah CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Utah directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Utah. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in UT.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

Utah Rates & Resources

$
Utah Mortgage Rates
$
Utah Refinance Rates
$
Utah Home Equity Loan Rates
$
Utah Savings Rates
$
Utah Money Market Rates
$
Utah Checking Rates
$
Utah Auto Loan Rates
$
Utah Personal Loan Rates
$
Utah Homeowners Insurance
$
Utah Car Insurance

Cities in Utah

  • Alpine
  • Alta
  • Altamont
  • Alton
  • Altonah
  • Amalga
  • American Fork
  • Aneth
  • Annabella
  • Antimony
  • Apple Valley
  • Aurora
  • Axtell
  • Ballard
  • Bear River City
  • Beaver
  • Beryl
  • Bicknell
  • Big Water
  • Bingham Canyon
  • Blanding
  • Bluebell
  • Bluff
  • Bluffdale
  • Bonanza
  • Boulder
  • Bountiful
  • Brian Head
  • Brigham City
  • Brighton
  • Bryce
  • Bryce Canyon
  • Bryce Canyon City
  • Cache Junction
  • Cannonville
  • Castle Dale
  • Castle Valley
  • Cedar City
  • Cedar Fort
  • Cedar Hills
  • Cedar Valley
  • Centerfield
  • Centerville
  • Central
  • Central Valley
  • Charleston
  • Chester
  • Circleville
  • Cisco
  • Clarkston
  • Clawson
  • Clearfield
  • Cleveland
  • Clinton
  • Coalville
  • Collinston
  • Copperton metro township
  • Corinne
  • Cornish
  • Cottonwood Heights
  • Croydon
  • Dammeron Valley
  • Daniel
  • Delta
  • Deweyville
  • Draper
  • Duchesne
  • Duck Creek Village
  • Dugway
  • Dutch John
  • Eagle Mountain
  • East Carbon
  • Echo
  • Eden
  • Elberta
  • Elk Ridge
  • Elmo
  • Elsinore
  • Elwood
  • Emery
  • Randolph
  • Redmond
  • Richfield
  • Richmond
  • River Heights
  • Riverdale
  • Riverside
  • Riverton
  • Rockville
  • Rocky Ridge
  • Roosevelt
  • Roy
  • Rush Valley
  • Saint George
  • Salem
  • Salina
  • Salt Lake City
  • Sandy
  • Santa Clara
  • Santaquin
  • Saratoga Springs
  • Scipio
  • Scofield
  • Sevier
  • Sigurd
  • Smithfield
  • Snowville
  • South Jordan
  • South Ogden
  • South Salt Lake
  • South Weber
  • South Willard
  • Spanish Fork
  • Spring City
  • Springdale
  • Springville
  • Sterling
  • Stockton
  • Summit
  • Sunnyside
  • Sunset
  • Syracuse
  • Tabiona
  • Talmage
  • Taylorsville
  • Teasdale
  • Thompson
  • Tooele
  • Toquerville
  • Torrey
  • Tremonton
  • Trenton
  • Tridell
  • Tropic
  • Uintah
  • Vernal
  • Vernon
  • Veyo
  • Vineyard
  • Virgin
  • Wales
  • Wallsburg
  • Washington
  • Washington Terrace
  • Wellington
  • Wellsville
  • Wendover
  • West Bountiful
  • West Haven
  • West Jordan
  • West Point
  • West Valley City
  • White City metro township
  • Whiterocks
  • Willard
  • Woodland Hills
  • Woodruff
  • Woods Cross