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CD Rates Mendon, Utah (UT) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 12, 2026

Current Mendon, Utah CD rates include P&S Credit UnionP&S Credit UnionA+5.0 ★Texas Ratio: 0.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Share / IRA Certificate of Deposit at 5.00% APY, Utah Heritage Credit UnionUtah Heritage Credit UnionA5.0 ★Texas Ratio: 11.38%Real return: +1.45%APY minus CPI (February 2026) offering Savings Certificate 2 Year Term at 4.25% APY, Desert Rivers Federal Credit UnionDesert Rivers Federal Credit UnionA5.0 ★Texas Ratio: 9.83%Real return: +1.40%APY minus CPI (February 2026) offering 3 month Super CD at 4.20% APY, Members First Credit UnionMembers First Credit UnionA+5.0 ★Texas Ratio: 0.58%Real return: +1.40%APY minus CPI (February 2026) offering 2 Year CD at 4.20% APY, and Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 11.38%Real return: +1.35%APY minus CPI (February 2026) offering Youth certificate 60-month youth certificate at 4.15% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Mendon is a smaller community with no bank or credit union branches currently in our database. 165 institutions serving the Utah area are available to Mendon residents, with CD rates as high as 5.00% APY from P&S Credit Union. Rates are continually updated — 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: April 12, 2026

Compare Best CD Rates in Mendon, Utah & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
3 month Super CD
$0
4.20%
View
▼
Rate4.13%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

***

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 3-Month Term
$0
4.06%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Month CD
$0
3.86%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

**

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Preferred Certificate of Deposit (CD) 3-Month
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 90 Day Fixed Rate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
3-Month Certificates (INCLUDES IRA)
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3 MONTH CD
$500
2.01%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 MONTH CERTIFICATE
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
3-Month CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6-Month CD
$0
4.08%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Preferred Certificate of Deposit (CD) 6-Month
$0
4.04%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 month Certificate of Deposit
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6-Month Certificate
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
6 Month CD
$0
3.86%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

**

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
3.85%
View
▼
Rate3.78%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
6 Month Share Certificate
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 MONTH CERTIFICATE
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6-Month Traditional and IRA Term Deposit
$2,000
3.75%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
6 month CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
6 Month Certificate
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6 Month Certificate of Deposit Accounts
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 Month Share Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 6 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
6-Month Certificates (INCLUDES IRA)
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 6 month
$500
3.05%
View
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6 month Share Certificate
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6 Month Certificate
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
6 Month Certificate
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
6-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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: 0.13%
12 Month Share / IRA Certificate of Deposit
$0
5.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

STUDENT Accounts - Maximum $10,000 (Automatic Renewal)

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1 Year CD
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
12-Month CD
$0
4.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
HavenTM Certificate 12-month GoldStar? Membership
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 month Term Share Certificates
$1,000
3.95%
View
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12-Month Certificate
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
12 MONTH CD
$500
3.86%
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12 MONTH - ADD ON CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
1 year CD
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12-Month CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Terms and conditions apply. Click below for details.

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
12 Month Growth Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
1-Year Certificates (INCLUDES IRA)
$0
3.54%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1 Year Share Certificates
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 12 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1 Year Certificate
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1 Year Share Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 12 month
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month CD
$1,000
3.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 12 Month
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1 Year Certificate
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
12-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Certificates (CDs)
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
Flex Certificates 1 year
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
HavenTM Certificate 18-month GoldStar? Membership
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
18 month Term Share Certificates
$1,000
3.95%
View
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18-Month Certificate
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

w/bump

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
18 Month CD
$1,000
3.87%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
18-month CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
18 Month Certificates of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
18 Month Share Certificate
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 18 Month Fixed Rate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
18 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
Savings Certificate 2 Year Term
$0
4.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Special

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2 Year CD
$0
4.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
24-Month Certificate
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
24-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
24-Month Share Certificate
$0
3.90%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
2 year CD
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
24 Month CD
$1,000
3.82%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1 1/2 Year-CD
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
24 Month Growth Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
2-Year Certificates (INCLUDES IRA)
$0
3.54%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2 Year Certificates of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 24 Month
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 24 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
2 Year Certificate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 24 month
$500
3.20%
View
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 24 Month Fixed Rate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate
$0
2.47%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
24 MONTH CD
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2 year Bump-up CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

As rates rise, bump-up to a higher rate whenever you want

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
24-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
2 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

**

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Year CD
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36 Month Certificate Account
$500
4.05%
View
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
36-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
3-Year Share Certificate
$0
3.90%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
3-year CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
36 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
36 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
36-Month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36-Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Terms and conditions apply. Click below for details.

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3 Year Certificate
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
3 year CD
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 36 month
$500
3.30%
View
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
3-Year Certificates (INCLUDES IRA)
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
3 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 36 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 year High Yield CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

No fees, commissions or spreads

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

**

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
36-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
48 month Term Share Certificates
$1,000
4.05%
View
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48 Month Certificate Account
$500
4.00%
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
48-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
48-month Certificate
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
4-year CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4 Year Certificate
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
48 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
48 Month Growth Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 48 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 48 month
$500
3.40%
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 48 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
48-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
Youth certificate 60-month youth certificate
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60 Month Certificate Account
$500
4.10%
View
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
Business Savings Certificate 60 Month Value
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60-Month Traditional and IRA Term Deposit
$2,000
4.00%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
5 Year Certificate
$1,000
3.96%
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6 to 60-Month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$500 minimum balance

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
5-year CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
60 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
60 Month Growth Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 60 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 60 month
$500
3.50%
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
5 Year Certificates of Deposit
$500
3.40%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 MONTH CD
$500
3.34%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60-Month CD
$1,000
3.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5 year CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
5 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 60 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
60 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
5 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

**

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Mendon, Utah Institutions

Highest verified APYs available today — updated April 12, 2026

B Top 5 Bank Rates
LimeLight Bank
6-Month CD
A 5.0 ★ TX: 12.00%
Min: $0
4.08%
Bank of Utah
Certificate of Deposit 3-Month Term
A+ 5.0 ★ TX: 0.00%
Min: $0
4.06%
Morgan Stanley
Preferred Certificate of Deposit (CD) 6-Month
A+ 5.0 ★ TX: 1.52%
Min: $0
4.04%
HERCULES FIRST
5 Year Certificate
A 5.0 ★ TX: 8.30%
Min: $1,000
3.96%
Austin Capital Bank
Certificates of Deposit 3 Month
A+ 5.0 ★ TX: 0.43%
Min: $0
3.91%
CU Top 5 Credit Union Rates
P&S Credit Union
12 Month Share / IRA Certificate of Deposit
A+ 5.0 ★ TX: 0.13%
Min: $0
5.00%
Utah Heritage Credit Union
Savings Certificate 2 Year Term
A 5.0 ★ TX: 11.38%
Min: $0
4.25%
Desert Rivers Federal Credit Union
3 month Super CD
A 5.0 ★ TX: 9.83%
Min: $0
4.20%
Members First Credit Union
2 Year CD
A+ 5.0 ★ TX: 0.58%
Min: $0
4.20%
Mountain America Federal Credit Union
Youth certificate 60-month youth certificate
A 5.0 ★ TX: 11.38%
Min: $0
4.15%
Rates verified April 12, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Mendon, UT CD Rate Trends

Compare local Mendon, UT CD rate quotes against the statewide average

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

View Full Utah CD Trends →
12-Month CD — UT Avg
3.261%
Unchanged vs 7 days ago

Utah 12-month CD rates currently average 3.261% APY based on data from institutions in our monitoring network.

6-Month CD — UT Avg
3.012%
Unchanged vs 7 days ago

Utah 6-month CD rates currently average 3.012% APY based on data from institutions in our monitoring network.

As of Apr 12, 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 April 2027?

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

UT 12-Month Avg APY
3.261%
6-Month Forecast
3.261%
Range: 3.06% – 3.41%
12-Month Forecast
3.011%
Range: 2.81% – 3.16%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Utah average 12-month CD APY in our database.

Spread model: The Utah 12-month CD average currently trades 1.11% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at UT CD Rates Today

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

CD Term UT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.970% $148.50 $297.00 $742.50 $1,485.00
6-Month CD 3.012% $150.59 $301.18 $752.95 $1,505.90
12-Month CD 3.261% $163.07 $326.13 $815.33 $1,630.65
18-Month CD 3.823% $191.17 $382.34 $955.85 $1,911.70
24-Month CD 3.714% $185.71 $371.41 $928.53 $1,857.05
36-Month CD 3.825% $191.25 $382.50 $956.25 $1,912.50
48-Month CD 3.997% $199.86 $399.71 $999.28 $1,998.55
60-Month CD 4.016% $200.80 $401.59 $1,003.98 $2,007.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026.

Sample CD Ladder for Mendon, Utah Savers

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

Build Your Ladder →
Rung Term Deposit UT Avg APY Annual Earnings
1 3-Month CD $5,000 2.970% $148.50
2 6-Month CD $5,000 3.012% $150.59
3 12-Month CD $5,000 3.261% $163.07
4 24-Month CD $5,000 3.714% $185.71
5 36-Month CD $5,000 3.825% $191.25
Total ($25,000 invested) $25,000 3.356% blended $839.12/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.

44
Institutions
in Mendon, Utah
19 Banks 25 Credit Unions

About Our Mendon, Utah CD Rate Database

MonitorBankRates tracks CD rates from 19 banks and 25 credit unions with locations in Mendon, 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 $0. Use the rate table above to compare all current offers in Mendon, Utah.

How to Find the Best CD Rates in Mendon, Utah

What to compare when shopping for a CD in Mendon, Utah

To find the best APYs in Mendon, Utah, start with credit unions and online-only banks — Mendon, Utah has 25 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 Mendon, 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 Mendon, Utah — 44 institutions here report CD rates

Consider an Alternative If…

Mendon, Utah Financial Snapshot

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

Population 65+
12.3%
National avg: 17.3%
Median Individual Earnings
$50,588
National avg: $47,340
Poverty Rate
1.5%
National avg: 11.1%
Unemployment Rate
0.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$165/yr
At UT 12-mo avg 3.261% APY

12.3% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 0.8% reflects a strong local economy. At today’s UT 12-month CD average of 3.261%, saving 10% of the local median salary ($5,058/year) and putting it in a CD would earn an additional $165 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 Mendon, 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

Frequently Asked Questions about CD Rates in Mendon, Utah

Are CD rates in Mendon, Utah FDIC insured?

Yes, most established banks in Mendon, 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 Mendon, 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 Mendon, 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 Mendon, 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 Mendon, Utah?

Here are recent top rates found for this area:
  • P&S Credit Union: 5.00% APY (12 Month Share / IRA Certificate of Deposit)
  • Utah Heritage Credit Union: 4.25% APY (Savings Certificate 2 Year Term)
  • Desert Rivers Federal Credit Union: 4.20% APY (3 month Super CD)
  • Members First Credit Union: 4.20% APY (2 Year CD)
  • Mountain America Federal Credit Union: 4.15% APY (Youth certificate 60-month youth certificate)
  • Jordan Federal Credit Union: 4.10% APY (60 Month Certificate Account)
  • LimeLight Bank: 4.08% APY (6-Month CD)
  • Bank of Utah: 4.06% APY (Certificate of Deposit 3-Month Term)
  • Freedom Credit Union: 4.05% APY (48 month Term Share Certificates)
  • Elevate Federal Credit Union: 4.05% APY (24-Month Certificate)
Rates reflect recent verified offers available in Mendon, Utah. Last Updated: April 12, 2026

CD Calculators for Mendon, Utah

Mendon, 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.

Mendon, Utah CD Ladder

UT CD rates currently range from 2.970% (3-month) to 3.825% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Mendon, 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 Savings

Utah’s average 12-month CD is 3.261% 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

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Mendon, 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 pulling data straight 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 Mendon, 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: April 12, 2026

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