Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
Utah Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- 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
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.
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: 0.19%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Certificate-STUDENT Accounts at 5.00% APY, Freedom Credit UnionFreedom Credit Union815 N Freedom Blvd, Provo, UT 84604 3315A+5.0 ★Texas Ratio: 1.61%Real return: +2.20%APY minus CPI (February 2026) offering 24 Month Term Share Certificate at 5.00% APY, Morgan StanleyMorgan Stanley201 S Main St Fl 5, Salt Lake City, UT 84111A+5.0 ★Texas Ratio: 2.86%Real return: +1.95%APY minus CPI (February 2026) offering 60 Month CD at 4.75% APY, Utah Power Credit UnionUtah Power Credit Union1407 W North Temple Ste 120C, Salt Lake City, UT 84116A+5.0 ★Texas Ratio: 1.19%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month Certificate at 4.50% APY, and Sallie MaeSallie Mae175 S West Temple, Salt Lake City, UT 84101A+5.0 ★Texas Ratio: 4.70%Real return: +1.60%APY minus CPI (February 2026) offering 36 Month Certificates of deposit (CDs) at 4.40% APY. CD rates as of September 21, 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: September 21, 2026
Compare Best CD Rates in Utah
Utah 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
3 Month CD
$0
4.06%
▲ 2.00% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 2.00% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
3 Month IRA Certificates of Deposit
$0
4.05%
▲ 1.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.99% above avg
Details
VIP Yield
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%
▲ 1.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.90% above avg
Details
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%
▲ 1.84% above national avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.84% above avg
Details
A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
3 Month Certificates of Deposit
$0
3.90%
▲ 1.84% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.84% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
3 Month IRA Certificates of Deposit
$0
3.90%
▲ 1.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.84% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
3 Month Certificate
$0
3.90%
▲ 1.84% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.84% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
3 Month Standard Certificate
$0
3.90%
▲ 1.84% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.84% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
3 Months Standard Certificate
$500
3.90%
▲ 1.84% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.84% above avg
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
3 Month Certificate
$500
3.85%
▲ 1.79% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.79% above avg
Details
Monthly Paid
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
3 Month Share Certificate
$500
3.85%
▲ 1.79% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.79% above avg
Details
Paid Monthly
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
196 North Main, Huntington, UT 84528
3 Month Three Month Certificate
$500
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.74% above avg
Details
Withdrawals: Allowed--Ask Credit Union
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
3 month Super CD
$500
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.59% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
3 Month Add-on
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.59% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
3 Month Add-on Certificate
$500
3.65%
▲ 1.59% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.59% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Business 90 Day Fixed Rate Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
3-Month Penalty-Free
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.44% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
273 W 500 S, Bountiful, UT 84010
3 Month Certificate
$0
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.24% above avg
Details
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
191 E Gateway Dr, Heber City, UT 84032
3 Month Time Certificates of Deposit
$500
3.10%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.04% above avg
Details
.25% bonus for Star and Senior Accounts!
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
3-Month Penalty-Free
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.69% above avg
Details
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
3 Month High Yield CD
$0
2.70%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.64% above avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT 84120
3-Month Certificate
$0
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.21% above avg
Details
Balance: $50,000+; Dividends: Quarterly
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
3-Month Penalty-Free
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.19% above avg
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
3-Month Penalty-Free
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.06% below avg
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
4897 W LAKE PARK BLVD, SALT LAKE CITY, UT 84120
3-Month Certificate
$0
1.76%
▼ 0.30% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.30% below avg
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term Rewards
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.46% below avg
Details
Rewards APY; Regular APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term Standard CDs
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.46% below avg
Details
Rewards APY 0.60%; Regular APY 0.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Standard CDs - 3-month term
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.46% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term Regular
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.56% below avg
Details
Regular APY; Dividend Rate
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Standard CDs - 3-month term
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.56% below avg
Details
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
3 Month Share Certificates
$0
0.45%
▼ 1.61% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.61% below avg
Details
Balance: $50,000+
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
3 Month Share Certificates
$0
0.40%
▼ 1.66% below national avg
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.66% below avg
Details
Balance: $10,000 - $49,999
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
3 Month Share Certificates
$0
0.35%
▼ 1.71% below national avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.71% below avg
Details
Balance: $2,000 - $9,999
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
122 S Main St, Gunnison, UT 84634
3 MONTH CERTIFICATE
$0
0.20%
▼ 1.86% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.86% below avg
Details
We do not open CDs for other financial institutions or for deposit brokers.
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%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
$90,000 +
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%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Balance: $90,000 +
EPB Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.53%
4897 W Lake Park Blvd, Salt Lake City, UT 84120 8205
3-Month CD
$0
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.96% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
12 W State St, Farmington, UT 84025
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
12 W State St, Farmington, UT 84025
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
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%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
$1,000 +
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
3 Month Business Share Certificates
$0
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 2.01% below avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 3 Months
$0
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 2.01% below avg
Details
Utah 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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 mo CD
$500
4.35%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.58% above avg
Details
10-Day CD Rate Guarantee
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
4.35%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.58% above avg
Details
10-Day CD Rate Guarantee. Maximum balance limits apply.
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
562 N Main St, Tooele, UT 84074
6-Month Promo Certificate
$0
4.30%
▲ 1.53% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.53% above avg
Details
Promo Certificate Disclosure - The 6-month Promotional Certificate Annual Percentage Yield (APY). 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. Chartway Credit Union reserves the right to end or modify the offer at any time. 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 subject to change. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in the Funds Availability Policy.
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
6 Month Add-on
$0
4.24%
▲ 1.47% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.47% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
6 Month Add-on Certificate
$500
4.24%
▲ 1.47% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.47% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
6-Month Add-on
$0
4.24%
▲ 1.47% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.47% above avg
Details
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2701 N Thanksgiving Way, Lehi, UT 84043
6 Month Consumer Certificate of Deposit
$500
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.43% above avg
Details
Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
75 N University Ave, Provo, UT 84601
6 Month Personal Certificates of Deposit
$500
4.11%
▲ 1.34% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.34% above avg
Details
Term: 6 Months to 11 Months
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2605 Washington Blvd, Ogden, UT 84401
6 Month Fixed IRA CD
$100
4.10%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
Annual Percentage Yields (APY) are accurate as of September 10, 2026 and are subject to change. Early withdrawals will have a substantial penalty imposed. Fees may reduce earnings.
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2605 Washington Blvd, Ogden, UT 84401
6 Month IRA Certificate
$100
4.10%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
6 Month CD
$0
4.09%
▲ 1.32% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.32% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
6 Month IRA Certificates of Deposit
$0
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.28% above avg
Details
VIP Yield
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
280 E 12300 S, Draper, UT 84020
6 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
475 N 300 W, Kaysville, UT 84037
6 Month CD
$1,000
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
UP to $99,999.99
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%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
215 S State St, Salt Lake City, UT 84111
6 Month CD
$0
3.96%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.19% above avg
Details
FinWise Bank
Institution Rating:
B-4.3 ★Texas Ratio: 22.97%
756 E Winchester St, Murray, UT 84107
6-Month Term
$500
3.95%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
6 Month Certificates of Deposit
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3405 W 1987 S, Salt Lake City, UT 84104 4942
6 Month Regular & IRA Certificate
$500
3.95%
▲ 1.18% above national avg
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.18% above avg
Details
EPB Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.53%
4897 W Lake Park Blvd, Salt Lake City, UT 84120 8205
6-Month CD
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
6 Month Certificate
$500
3.95%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
Automatic Renewal
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
6 Month Certificate of Deposit
$1,000
3.95%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
Fixed
Millard County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
45 S Main St, FILLMORE, UT 84631 5505
6 Month Certificate
$0
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
243 E 125 N, Morgan, UT 84050
6 Month Share Certificates (CDs)
$1,000
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.14% above avg
Details
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
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
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
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1023 Medical Dr, Brigham City, UT 84302 3049
6 Month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
6 Month Certificates of Deposit
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
6 Month IRA Certificates of Deposit
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
6 month Certificate (CD)
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
6 Month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
6 Month Certificate Account
$500
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Business Jumbo Share Certificates
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Business Share Certificates
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month IRA Jumbo Share Certificates
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Loyalty Rate: 3.83%, Loyalty APY: 3.90%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Jumbo Share Certificates
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Loyalty Rate: 3.83%, Loyalty APY: 3.90%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 6 Months
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
6 Month Certificate
$500
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Monthly Paid
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
6 Month Share Certificate
$500
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Paid Monthly
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
815 N Freedom Blvd, Provo, UT 84604 3315
6 Month Term Share Certificate
$1,000
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.
Nebo Credit Union
730 E 300 S, Springville, UT 84663
6 month Certificate (CD)
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
120 E 1000 S, Brigham City, UT 84302 4357
6 Month CD
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
6 Month Standard Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
6 Months Standard Certificate
$500
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
200 E South Temple, Salt Lake City, UT 84111
6 Month Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
500 E 1400 N, Logan, UT 84341
6 Month Share Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
6 Month Certificate
$500
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Automatic Renewal to Regular Certificate
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
8520 S Sandy Pkwy, Sandy, UT 84070
6 Month Certificate
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Utah 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
12 Month Certificate-STUDENT Accounts
$100
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 2.05% above avg
Details
Maximum $10,000 (Automatic Renewal)
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
12-Month Certificate
$500
4.50%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
Savers 12-Month
$9
4.50%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$9
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Minimum deposit of $9 per month, up to $10,000.00. Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
12 mo CD
$500
4.35%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.40% above avg
Details
10-Day CD Rate Guarantee
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
12 Month High-Yield CD
$500
4.35%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.40% above avg
Details
10-Day CD Rate Guarantee. Maximum balance limits apply.
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%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
122 S Main St, Gunnison, UT 84634
12 MONTH - ADD ON CERTIFICATE
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
We do not open CDs for other financial institutions or for deposit brokers.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
273 W 500 S, Bountiful, UT 84010
12 Month Certificate
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.30% above avg
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
12 Month CD
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
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
4.20%
▲ 1.25% above national avg
▼
Rate4.11%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.25% above avg
Details
Balance: $2,500
Millard County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
45 S Main St, FILLMORE, UT 84631 5505
12 Month Certificate
$0
4.15%
▲ 1.20% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.20% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
280 E 12300 S, Draper, UT 84020
12 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.15%
▲ 1.20% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
12 Month IRA Certificates of Deposit
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.15% above avg
Details
VIP Yield
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
120 E 1000 S, Brigham City, UT 84302 4357
1 Year CD
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
8520 S Sandy Pkwy, Sandy, UT 84070
12 Month Certificate
$0
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
1 Year Youth
$250
4.06%
▲ 1.11% above national avg
▼
Rate3.98%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.11% above avg
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
12 Month CD
$1,000
4.05%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
215 S State St, Salt Lake City, UT 84111
1 Year CD
$0
4.01%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.06% above avg
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
75 N University Ave, Provo, UT 84601
12 Month Personal Certificates of Deposit
$500
4.01%
▲ 1.06% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.06% above avg
Details
Term: 12 Months to 23 Months
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
12 Month High Yield CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
FinWise Bank
Institution Rating:
B-4.3 ★Texas Ratio: 22.97%
756 E Winchester St, Murray, UT 84107
12-Month Term
$500
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
13907 S Minuteman Dr, Draper, UT 84020
12 Month Business Certificate of Deposit
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Displayed rates are accurate as of September 1, 2026. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield.
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
13907 S Minuteman Dr, Draper, UT 84020
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
APY is Annual Percentage Yield. Displayed rates are accurate as of September 1, 2026. Early Withdrawal Penalty applies. Fees may reduce earnings. For terms more than 6 months and up to 12 months, the penalty is 90 days' simple interest.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
12-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
1 year CD
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
1 Year Traditional IRA CD
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
12 Month Certificates of Deposit
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
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
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.00% above avg
Details
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
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.00% above avg
Details
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3405 W 1987 S, Salt Lake City, UT 84104 4942
12 Month Regular & IRA Certificate
$500
3.95%
▲ 1.00% above national avg
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.00% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
12 Month Certificates of Deposit
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
12 Month IRA Certificates of Deposit
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
12 Month Bonus Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
12 Month Bonus IRA Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
12 month Certificate (CD)
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
12 Month Certificate
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
12 Month Certificate Account
$500
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
12 Month Growth Certificate Account
$100
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
After the certificate is opened, additional deposits can be made to the certificate at any time with a maximum of $100,000 of cumulative Growth CertificateTM deposits per primary account holder.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
12 Month Business Jumbo Share Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
12 Month Business Share Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
12 Month IRA Jumbo Share Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Loyalty Rate: 3.87%, Loyalty APY: 3.95%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
12 Month Jumbo Share Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Loyalty Rate: 3.87%, Loyalty APY: 3.95%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 12 Months
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
12 Month Certificate of Deposit
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
Fixed
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
815 N Freedom Blvd, Provo, UT 84604 3315
12 Month Term Share Certificate
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.
Nebo Credit Union
730 E 300 S, Springville, UT 84663
12 month Certificate (CD)
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
120 E 1000 S, Brigham City, UT 84302 4357
12 Month CD
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
12 Month Standard Certificate
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
12 Months Standard Certificate
$500
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
3141 W 4700 S, Taylorsville, UT 84129 2525
1 Year Certificate
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.96% above avg
Details
Utah 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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
18 mo CD
$500
4.35%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.53% above avg
Details
10-Day CD Rate Guarantee
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
18 Month High-Yield CD
$500
4.35%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.53% above avg
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
18 Month CD
$0
4.35%
▲ 1.53% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.53% above avg
Details
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
4.30%
▲ 1.48% above national avg
▼
Rate4.21%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.48% above avg
Details
Balance: $2,500
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2605 Washington Blvd, Ogden, UT 84401
18 Month Fixed IRA CD
$100
4.20%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
Annual Percentage Yields (APY) are accurate as of September 10, 2026 and are subject to change. Early withdrawals will have a substantial penalty imposed. Fees may reduce earnings.
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2605 Washington Blvd, Ogden, UT 84401
18 Month IRA Certificate
$100
4.20%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
18 Month IRA Certificates of Deposit
$0
4.20%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.38% above avg
Details
VIP Yield
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
18 Month High Yield CD
$0
4.15%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
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%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.33% above avg
Details
Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
18 Month CD
$1,000
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
122 S Main St, Gunnison, UT 84634
18 MONTH CERTIFICATE
$0
4.06%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.24% above avg
Details
We do not open CDs for other financial institutions or for deposit brokers.
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
18 Month Certificates of Deposit
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
18 Month IRA Certificates of Deposit
$0
4.05%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
243 E 125 N, Morgan, UT 84050
18 Month Share Certificates (CDs)
$1,000
4.05%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
18 month Certificate (CD)
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
18 Month Certificate
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
18 Month Certificate
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details
Balance: $500 - $499.99
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
18 Month Regular Certificate
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details
Nebo Credit Union
730 E 300 S, Springville, UT 84663
18 month Certificate (CD)
$0
4.05%
▲ 1.23% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.23% above avg
Details
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
13907 S Minuteman Dr, Draper, UT 84020
18 Month Business Certificate of Deposit
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details
Displayed rates are accurate as of September 1, 2026. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield.
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
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details
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
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
200 E South Temple, Salt Lake City, UT 84111
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.18% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
7181 S Campus View Dr, West Jordan, UT 84084 4312
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
18 Month Certificate
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Monthly Paid
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
18 Month Share Certificate
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Paid Monthly
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
280 E 12300 S, Draper, UT 84020
18 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.00%
▲ 1.18% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
18 Month Certificates of Deposit
$0
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3405 W 1987 S, Salt Lake City, UT 84104 4942
18 Month Regular & IRA Certificate
$500
3.95%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.13% above avg
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
500 E 1400 N, Logan, UT 84341
18 Month Share Certificate
$0
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
18 Month Certificate Account
$500
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
18 Month Certificate of Deposit
$1,000
3.95%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details
Fixed
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
815 N Freedom Blvd, Provo, UT 84604 3315
18 Month Term Share Certificate
$1,000
3.95%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details
Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month Certificate
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.08% above avg
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1023 Medical Dr, Brigham City, UT 84302 3049
18 Month Certificate
$0
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.08% above avg
Details
w/bump
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
18 Month Share Certificates
$0
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details
Balance: $50,000+
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
18 Month Certificate
$500
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
Automatic Renewal to Regular Certificate
Orem City Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.24%
56 N State St, Orem, UT 84057
18 month CD
$500
3.85%
▲ 1.03% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
18 Month Share Certificates
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details
Balance: $10,000 - $49,999
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
273 W 500 S, Bountiful, UT 84010
18 Month Certificate
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
18 Month Share Certificates
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details
Balance: $2,000 - $9,999
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
18 Month Certificate
$500
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Automatic Renewal
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
273 W 500 S, Bountiful, UT 84010
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
675 E 100 N, Price, UT 84501
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details
North Bay Credit Union
8520 S Sandy Pkwy, Sandy, UT 84070 6422
18 Month Share Certificates
$0
3.73%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.91% above avg
Details
Balance: $1,000-$9,999
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
18 Month Variable
$0
3.72%
▲ 0.90% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.90% above avg
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
420 E South Temple Ste 520, Salt Lake City, UT 84111
18 Month Certificate
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Utah 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
815 N Freedom Blvd, Provo, UT 84604 3315
24 Month Term Share Certificate
$1,000
5.00%
▲ 2.16% above national avg
▼
Rate5.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 2.16% above avg
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
815 N Freedom Blvd, Provo, UT 84604 3315
IRA 24 Month Term Share Certificate
$1,000
5.00%
▲ 2.16% above national avg
▼
Rate5.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 2.16% above avg
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
815 N Freedom Blvd, Provo, UT 84604 3315
Youth 24 Month Term Share Certificate
$500
5.00%
▲ 2.16% above national avg
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 2.16% above avg
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
24 Month CD
$0
4.50%
▲ 1.66% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.66% above avg
Details
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2701 N Thanksgiving Way, Lehi, UT 84043
2 Year Consumer Certificate of Deposit
$500
4.40%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.56% above avg
Details
Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
2 Year High-Yield CD
$500
4.35%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
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
4.35%
▲ 1.51% above national avg
▼
Rate4.26%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
Balance: $2,500
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
24 Month IRA Certificates of Deposit
$0
4.30%
▲ 1.46% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
VIP Yield
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
2 Year Traditional IRA CD
$500
4.29%
▲ 1.45% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.45% above avg
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
24 month Certificate (CD)
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
7181 S Campus View Dr, West Jordan, UT 84084 4312
24 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Business Jumbo Share Certificates
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Business Share Certificates
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month IRA Jumbo Share Certificates
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Loyalty Rate: 4.16%, Loyalty APY: 4.25%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Jumbo Share Certificates
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Loyalty Rate: 4.16%, Loyalty APY: 4.25%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 24 Months
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
24-Month Certificate
$500
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Nebo Credit Union
730 E 300 S, Springville, UT 84663
24 month Certificate (CD)
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
24 Month Standard Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
24 Months Standard Certificate
$500
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
122 S Main St, Gunnison, UT 84634
24 MONTH CERTIFICATE
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
We do not open CDs for other financial institutions or for deposit brokers.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
24 Month Certificate
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Balance: $500 - $499.99
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
24 Month Regular Certificate
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
2 year CD
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Millard County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
45 S Main St, FILLMORE, UT 84631 5505
24 Month Certificate
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
280 E 12300 S, Draper, UT 84020
24 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
120 E 1000 S, Brigham City, UT 84302 4357
2 Year CD
$0
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
24 Month CD
$1,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
200 E South Temple, Salt Lake City, UT 84111
24 Month Certificate
$0
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
24 Month Certificates of Deposit
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
24 Month IRA Certificates of Deposit
$0
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
24 Month Certificate
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
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
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.26% above avg
Details
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
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.26% above avg
Details
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3405 W 1987 S, Salt Lake City, UT 84104 4942
24 Month Regular & IRA Certificate
$500
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.26% above avg
Details
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
24 Month Certificates of Deposit
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.21% above avg
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1023 Medical Dr, Brigham City, UT 84302 3049
24 Month Certificate
$0
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.21% above avg
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
500 E 1400 N, Logan, UT 84341
24 Month Share Certificate
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
243 E 125 N, Morgan, UT 84050
24 Month Share Certificates (CDs)
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
24 Month Certificate
$500
4.05%
▲ 1.21% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Monthly Paid
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
24 Month Share Certificate
$500
4.05%
▲ 1.21% above national avg
▼
Rate3.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Paid Monthly
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
120 E 1000 S, Brigham City, UT 84302 4357
24 Month CD
$0
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.21% above avg
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
3141 W 4700 S, Taylorsville, UT 84129 2525
2 Year Certificate
$1,000
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.17% above avg
Details
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
13907 S Minuteman Dr, Draper, UT 84020
2 Year Business Certificate of Deposit
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Displayed rates are accurate as of September 1, 2026. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield.
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
13907 S Minuteman Dr, Draper, UT 84020
2 Year CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
APY is Annual Percentage Yield. Displayed rates are accurate as of September 1, 2026. Early Withdrawal Penalty applies. Fees may reduce earnings. For terms more than 2 years and up to 5 years, the penalty is 365 days' simple interest.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
24-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Orem City Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.24%
56 N State St, Orem, UT 84057
24 month CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
24 Month Certificate Account
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
24 Month Growth Certificate Account
$100
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
After the certificate is opened, additional deposits can be made to the certificate at any time with a maximum of $100,000 of cumulative Growth CertificateTM deposits per primary account holder.
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
24 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Automatic Renewal
Utah 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
36 Month CD
$0
4.60%
▲ 1.84% above national avg
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.84% above avg
Details
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
4.40%
▲ 1.64% above national avg
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.64% above avg
Details
Balance: $2,500
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
175 S West Temple, Salt Lake City, UT 84101
36-month CD
$2,500
4.40%
▲ 1.64% above national avg
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.64% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
3 Year High-Yield CD
$500
4.35%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.59% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
36 Month IRA Certificates of Deposit
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.54% above avg
Details
VIP Yield
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
36 Month Certificate Account
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
36 Month CD
$1,000
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
36 Month Standard Certificate
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
36 Months Standard Certificate
$500
4.20%
▲ 1.44% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
200 E South Temple, Salt Lake City, UT 84111
36 Month Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.39% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
36 Month Certificates of Deposit
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
36 Month IRA Certificates of Deposit
$0
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
36 month Certificate (CD)
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
36 Month Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Business Jumbo Share Certificates
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Business Share Certificates
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month IRA Jumbo Share Certificates
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Loyalty Rate: 4.07%, Loyalty APY: 4.15%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Jumbo Share Certificates
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Loyalty Rate: 4.07%, Loyalty APY: 4.15%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 36 Months
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
36 Month Certificate
$500
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Monthly Paid
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
36 Month Share Certificate
$500
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Paid Monthly
Nebo Credit Union
730 E 300 S, Springville, UT 84663
36 month Certificate (CD)
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.39% above avg
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
120 E 1000 S, Brigham City, UT 84302 4357
3 Year CD
$0
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.39% above avg
Details
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
36 Month Certificates of Deposit
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
243 E 125 N, Morgan, UT 84050
36 Month Share Certificates (CDs)
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
280 E 12300 S, Draper, UT 84020
36 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
Millard County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
45 S Main St, FILLMORE, UT 84631 5505
36 Month Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
13907 S Minuteman Dr, Draper, UT 84020
3 Year Business Certificate of Deposit
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Displayed rates are accurate as of September 1, 2026. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield.
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
13907 S Minuteman Dr, Draper, UT 84020
3 Year CD
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
APY is Annual Percentage Yield. Displayed rates are accurate as of September 1, 2026. Early Withdrawal Penalty applies. Fees may reduce earnings. For terms more than 2 years and up to 5 years, the penalty is 365 days' simple interest.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
36-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1023 Medical Dr, Brigham City, UT 84302 3049
36 Month Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3405 W 1987 S, Salt Lake City, UT 84104 4942
36 Month Regular & IRA Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.24% above avg
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
500 E 1400 N, Logan, UT 84341
36 Month Share Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
3 year CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
3 Year Traditional IRA CD
$500
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
36 Month Certificate
$500
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Automatic Renewal
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
815 N Freedom Blvd, Provo, UT 84604 3315
36 Month Term Share Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
120 E 1000 S, Brigham City, UT 84302 4357
36 Month CD
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
36 Month Certificate of Deposit
$1,000
3.99%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.23% above avg
Details
Fixed
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
36 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
75 N University Ave, Provo, UT 84601
36 Month Personal Certificates of Deposit
$500
3.96%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.20% above avg
Details
Term: 36 Months to 47 Months
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
36-month Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
273 W 500 S, Bountiful, UT 84010
36 Month Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.56%
96 E Center St, Springville, UT 84663
3-Year Term Deposit
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
3 Year Certificate
$500
3.86%
▲ 1.10% above national avg
▼
Rate3.79%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.10% above avg
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
IRA Certificates - Traditional & Roth - 3 Years
$5
3.86%
▲ 1.10% above national avg
▼
Rate3.79%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.10% above avg
Details
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
675 E 100 N, Price, UT 84501
36 Month Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
36 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 36 Month
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
122 S Main St, Gunnison, UT 84634
36 MONTH CERTIFICATE
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
We do not open CDs for other financial institutions or for deposit brokers.
Utah 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
48 Month CD
$0
4.70%
▲ 1.93% above national avg
▼
Rate4.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.93% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
4 Year High-Yield CD
$500
4.35%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.58% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
48 Month IRA Certificates of Deposit
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.53% above avg
Details
VIP Yield
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
48 Month Standard Certificate
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
48 Months Standard Certificate
$500
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
48 Month CD
$1,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.43% above avg
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
48 month Certificate (CD)
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Business Jumbo Share Certificates
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Business Share Certificates
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month IRA Jumbo Share Certificates
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Loyalty Rate: 4.11%, Loyalty APY: 4.20%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Jumbo Share Certificates
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Loyalty Rate: 4.11%, Loyalty APY: 4.20%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 48 Months
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
48 Month Certificate
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Monthly Paid
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
48 Month Share Certificate
$500
4.20%
▲ 1.43% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.43% above avg
Details
Paid Monthly
Nebo Credit Union
730 E 300 S, Springville, UT 84663
48 month Certificate (CD)
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.43% above avg
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
200 E South Temple, Salt Lake City, UT 84111
48 Month Certificate
$0
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
48 Month Certificates of Deposit
$0
4.15%
▲ 1.38% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.38% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
48 Month IRA Certificates of Deposit
$0
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.38% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
48 Month Certificate
$0
4.15%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.38% above avg
Details
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
48 Month Certificates of Deposit
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
48 Month Certificate
$500
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
Automatic Renewal to Regular Certificate
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
280 E 12300 S, Draper, UT 84020
48 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3405 W 1987 S, Salt Lake City, UT 84104 4942
48 Month Regular & IRA Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
500 E 1400 N, Logan, UT 84341
48 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
48 Month Certificate Account
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
815 N Freedom Blvd, Provo, UT 84604 3315
48 Month Term Share Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
48 Month Certificate of Deposit
$1,000
3.99%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.22% above avg
Details
Fixed
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
48 Month Bonus Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
75 N University Ave, Provo, UT 84601
48 Month Personal Certificates of Deposit
$500
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.19% above avg
Details
Term: 48 Months to 59 Months
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
48 Month Certificate
$500
3.95%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
Automatic Renewal
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.13% above avg
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
4 Year Certificate
$500
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
IRA Certificates - Traditional & Roth - 4 Years
$5
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
273 W 500 S, Bountiful, UT 84010
48 Month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
48 Month Certificates
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
3141 W 4700 S, Taylorsville, UT 84129 2525
4 Year Certificate
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
122 S Main St, Gunnison, UT 84634
48 MONTH CERTIFICATE
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
We do not open CDs for other financial institutions or for deposit brokers.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
273 W 500 S, Bountiful, UT 84010
48 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $500 - $499.99
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3675 S 900 E, Salt Lake City, UT 84106
48 Month Regular Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1678 Pioneer Rd, Salt Lake City, UT 84104 4298
48 Month CD
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
San Juan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
296 E CENTER STREET, MONTICELLO, UT 84535
48 Month Certificate
$500
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
48 Month Share Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $50,000+
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
8520 S Sandy Pkwy, Sandy, UT 84070
48 Month Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
48 Month Share Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $10,000 - $49,999
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
48 Month Share Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: $2,000 - $9,999
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
564 E 300 S, SALT LAKE CITY, UT 84102
48 Month Certificate
$0
3.46%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.69% above avg
Details
Balance: $25,000.00 and over
Utah 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
201 S Main St Fl 5, Salt Lake City, UT 84111
60 Month CD
$0
4.75%
▲ 1.91% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.91% above avg
Details
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
4.40%
▲ 1.56% above national avg
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.56% above avg
Details
Balance: $2,500
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
111 S Main St, Salt Lake City, UT 84111
5 Year High-Yield CD
$500
4.35%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
60 Month IRA Certificates of Deposit
$0
4.35%
▲ 1.51% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.51% above avg
Details
VIP Yield
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
60 Month Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
60 Month Flexible Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
60 Month Regular CD
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
60 Month Regular Certificate Accounts
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Business Jumbo Share Certificates
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Business Share Certificates
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month IRA Jumbo Share Certificates
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Loyalty Rate: 4.21%, Loyalty APY: 4.30%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Jumbo Share Certificates
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Loyalty Rate: 4.21%, Loyalty APY: 4.30%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 60 Months
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
60 Month Standard Certificate
$0
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
60 Months Standard Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.46% above avg
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
122 S Main St, Gunnison, UT 84634
60 MONTH CERTIFICATE
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
We do not open CDs for other financial institutions or for deposit brokers.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3876 W Center view Way, West Jordan, UT 84084
60 month Certificate (CD)
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
7181 S Campus View Dr, West Jordan, UT 84084 4312
60 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
60 Month Certificate
$500
4.25%
▲ 1.41% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Monthly Paid
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
3012 S 1900 W, Ogden, UT 84401
60 Month Share Certificate
$500
4.25%
▲ 1.41% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Paid Monthly
Nebo Credit Union
730 E 300 S, Springville, UT 84663
60 month Certificate (CD)
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
4185 Harrison Blvd, Ogden, UT 84403
60 Month CD
$1,000
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
200 E South Temple, Salt Lake City, UT 84111
60 Month Certificate
$0
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
60 Month Certificates of Deposit
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
4140 HARRISON BLVD, OGDEN, UT 84403
60 Month IRA Certificates of Deposit
$0
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
147 26th st, Ogden, UT 84401
60 Month Certificate
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
60 Month Bump-Rate Certificate Accounts
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
4774 S 1300 W Bldg 3, Riverdale, UT 84405 3621
60 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
1868 S 500 W, Woods Cross, UT 84010
60 Month Certificates of Deposit
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3405 W 1987 S, Salt Lake City, UT 84104 4942
60 Month Regular & IRA Certificate
$500
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.26% above avg
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
60 Month Certificate
$500
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Automatic Renewal to Regular Certificate
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
280 E 12300 S, Draper, UT 84020
60 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1250 Country Hills Dr, Ogden, UT 84403 2560
60 Month Certificate of Deposit
$1,000
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Fixed
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
60 Months Add-on Certificate
$500
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
60 Months Jump Up
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Utah Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
360 W 4800 N, Provo, UT 84604
60 Months Jump Up Certificate
$500
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
75 N University Ave, Provo, UT 84601
60 Month Personal Certificates of Deposit
$500
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.22% above avg
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
3141 W 4700 S, Taylorsville, UT 84129 2525
5 Year Certificate
$1,000
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.22% above avg
Details
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
500 E 1400 N, Logan, UT 84341
60 Month Share Certificate
$0
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
243 E 125 N, Morgan, UT 84050
60 Month Share Certificates (CDs)
$1,000
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
9260 S 300 E, Sandy, UT 84070
60 Month Certificate Account
$500
4.05%
▲ 1.21% above national avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
5 year CD
$500
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
725 N Main St, Moab, UT 84532 2132
5 Year Traditional IRA CD
$500
4.05%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
200 W Civic Center Dr, Sandy, UT 84070
5 Year High Yield CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
500 Foothill Dr, Salt Lake City, UT 84148 0001
60-month Certificate - GoldStar Membership
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
60 Month Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $50,000+
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
5 Year Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4897 w lake park blvd ste 200, salt lake city, UT 84120 8207
IRA Certificates - Traditional & Roth - 5 Years
$5
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
60 Month Bonus Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
9160 N Highway 83, Corinne, UT 84307
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD UT Avg
2.952%
▲ 0.030 vs 7 days ago
Utah 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD UT Avg
2.767%
▲ 0.021 vs 7 days ago
Utah 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
UT CD Rate Forecast, Next 12 Months
Where are Utah CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
UT 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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.
| Rung | Term | Deposit | UT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
642
CD Rates
Tracked in Utah
Tracked in Utah
24 Banks
50 Credit Unions
About Our Utah CD Rate Database
MonitorBankRates tracks 642 CD rates from 24 banks and 50 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 (1–5), 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 50 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: 74 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
$129/yr
At UT 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,371/year) and putting it in a CD would earn an additional $129 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 (90–180 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 mo CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Morgan Stanley is offering its 60 Month CD at 4.75% 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)
- Freedom Credit Union: 5.00% APY (24 Month Term Share Certificate)
- Morgan Stanley: 4.75% APY (60 Month CD)
- Utah Power Credit Union: 4.50% APY (12-Month Certificate)
- Sallie Mae: 4.40% APY (36 Month Certificates of deposit (CDs))
- Happen Bank: 4.40% APY (2 Year Consumer Certificate of Deposit)
- Marcus Bank: 4.35% APY (12 mo CD)
- Ascent Federal Credit Union: 4.35% APY (60 Month IRA Certificates of Deposit)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- Chartway Credit Union: 4.30% APY (6-Month Promo Certificate)
Rates reflect recent verified offers available in Utah. Last Updated: September 21, 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 30–180 days of interest. Estimates are for informational purposes only.
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 LadderUT CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Utah CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsUtah’s average 12-month CD is 2.952% 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: September 21, 2026
Cities in Utah
Rate Assistant
MonitorBankRates.com · Live Data
Try asking