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CD Rates Milford, Utah (UT) for April 2026

Content reviewed by
Brian McKay Brian McKay
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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 4, 2026

Current Milford, Utah CD rates include Utah Independent BankUtah Independent Bank326 S Main St, Milford, UT 84751A+5.0 ★Texas Ratio: 0.29% offering 12 MONTH CD at 3.86% APY, P&S Credit UnionP&S Credit Union2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356A+5.0 ★Texas Ratio: 0.13% offering 12 Month Share / IRA Certificate of Deposit-STUDENT Accounts at 5.00% APY, Members First Credit UnionMembers First Credit Union120 E 1000 S, Brigham City, UT 84302 4357A+5.0 ★Texas Ratio: 0.58% offering Youth Certificates 2 Year CD at 4.20% APY, Desert Rivers Federal Credit UnionDesert Rivers Federal Credit Union725 N Main St, Moab, UT 84532 2132A5.0 ★Texas Ratio: 9.83% offering 3 month Super CD at 4.20% APY, and LimeLight BankLimeLight Bank3280 N University Ave, Provo, UT 84604A5.0 ★Texas Ratio: 12.00% offering 6-Month CD at 4.15% APY. CD rates as of April 4, 2026 according to verified data from MonitorBankRates.

To help you find the best CD rates in Milford, Utah, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.

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 4, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
326 S Main St, Milford, UT 84751
3 MONTH CD
$500
2.01%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
3 month Super CD
$0
4.20%
View
▼
Rate4.13%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

***

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT 84401
Certificate of Deposit 3-Month Term
$0
4.06%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
475 N 300 W, Kaysville, UT 84037
Certificates of Deposit 3 Month
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
3-Month Promo Certificate
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
3-month CD
$1,500
3.80%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
3 Month CD
$0
3.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

**

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Jumbo Certificates of Deposit - Personal & Business 90 Day Fixed Rate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
3 MONTH CERTIFICATE
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT 84120 8205
3-Month CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
326 S Main St, Milford, UT 84751
6 MONTH CD
$500
3.75%
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
6-Month CD
$1,000
4.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
6 Month Share / IRA Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Automatic Renewal

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT 84120 8205
6-Month CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
6 Month CD
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
6 month Certificate (CD)
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
6 Month Certificates
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
6 Month Share Certificate
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
6 MONTH CERTIFICATE
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
6 Month CD
$0
3.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

**

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
6 month CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
6 Month Bonus Certificates
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1675 N 200 W, Provo, UT 84604
6 Month Certificate
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT 84116
6 Month Certificate of Deposit Accounts
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
475 N 300 W, Kaysville, UT 84037
Certificates of Deposit 6 Month
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
6 Month Share Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Jumbo Certificates of Deposit - Personal & Business 6 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 6 month
$500
3.05%
View
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
6 Month Certificate
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
6 Month Certificate
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
6-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
326 S Main St, Milford, UT 84751
12 MONTH CD
$500
3.86%
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
12 Month Share / IRA Certificate of Deposit-STUDENT Accounts
$0
5.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Automatic Renewal

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 1 Year CD
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
12 Month Certificates
$0
4.07%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
12 Month Promotional Rate (Traditional Certificates Only)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT 84070
Certificate Account 12 Month
$500
3.95%
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
12 Month CD
$1,000
3.90%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
12 Month Bonus Certificates
$0
3.89%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT 84116
IRA CDs 12 Month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
12 MONTH - ADD ON CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
1 Year CD
$0
3.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

**

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
1 year CD
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
12 Month Growth Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
1 year Saving Certificate
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Jumbo Certificates of Deposit - Personal & Business 12 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
12-Month No Penalty Promo Certificate
$0
3.30%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

(Share Certificate Only)

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
1 Year Share Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 12 month
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT 84020
12 Month CD
$1,000
3.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
475 N 300 W, Kaysville, UT 84037
Certificates of Deposit 12 Month
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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%
3141 W 4700 S, Taylorsville, UT 84129 2525
1 Year Certificate
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
12 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
12-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
12-month term Standard CDs
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT 84627
Flex Certificates 1 year
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
326 S Main St, Milford, UT 84751
18 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 4, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
18 Month Share / IRA Certificate of Deposit
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Automatic Renewal

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Standard certificate 18-month certificate
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
18 Month CD
$1,000
3.87%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
56 N State St, Orem, UT 84057
18 month CD
$500
3.85%
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
18 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
18-month CD
$1,500
3.75%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT 84401
18 Month Fixed IRA
$100
3.60%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 4, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
18 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
18 Month CD
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
18 Month Share Certificate
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Jumbo Certificates of Deposit - Personal & Business 18 Month Fixed Rate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
18 month Saving Certificate
$1,000
3.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
18 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
326 S Main St, Milford, UT 84751
24 MONTH CD
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 2 Year CD
$0
4.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
24 month Certificate (CD)
$0
4.05%
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
24 Month Share / IRA Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Automatic Renewal

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
4897 W Lake Park Blvd, Salt Lake City, UT 84120 8205
2 1/2-Year CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
96 E Center St, Springville, UT 84663
24-Month Share Certificate
$0
3.90%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
2 year CD
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
24 Month CD
$1,000
3.82%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
24-Month CD
$1,000
3.80%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
24 Month Bonus Certificates
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
24 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
24 Month Growth Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
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
3.50%
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificates of Deposit 24 Month
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT 84116
IRA CDs 24 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
2 Year Certificate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 24 month
$500
3.20%
View
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
2 year Saving Certificate
$1,000
3.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Jumbo Certificates of Deposit - Personal & Business 24 Month Fixed Rate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
24 Month Certificate
$0
2.47%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
15 W South Temple, Salt Lake City, UT 84101
2 year Bump-up CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 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%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
24-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
2 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

**

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
326 S Main St, Milford, UT 84751
36 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 3 Year CD
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT 84070
Certificate Account 36 Month
$500
4.05%
View
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
36 Month Share / IRA Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Automatic Renewal

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT 84111
36-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 4, 2026
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
96 E Center St, Springville, UT 84663
3-Year Share Certificate
$0
3.90%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
36 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
36 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
36 Month Bonus Certificates
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
3-year CD
$1,500
3.70%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
36-Month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6965 S Union Park Ctr, Cottonwood Heights, UT 84047
36-month CD Special
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
36 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
3 Year Certificate
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
3 year CD
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 36 month
$500
3.30%
View
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
3 year Saving Certificate
$1,000
3.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1675 N 200 W, Provo, UT 84604
3 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT 84116
IRA CDs 36 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
36-month term Standard CDs
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Jumbo Certificates of Deposit - Personal & Business 36 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
36 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
15 W South Temple, Salt Lake City, UT 84101
3 year High Yield CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No fees, commissions or spreads

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
3 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

**

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
36-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 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%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
48 Month Share One-Time Bump Certificates of Deposit
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Automatic Renewal to Regular Certificate

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
48 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT 84111
48-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 4, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
4 Year Certificate
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
48 Month Bonus Certificates
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
48 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
4-year CD
$1,500
3.70%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
48 Month Growth Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
48 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificates of Deposit 48 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 48 month
$500
3.40%
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
4 year Saving Certificate
$1,000
3.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1675 N 200 W, Provo, UT 84604
4 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
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
48 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Jumbo Certificates of Deposit - Personal & Business 48 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
48 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
48-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
326 S Main St, Milford, UT 84751
60 MONTH CD
$500
3.34%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
60 Month Share One-Time Bump Certificates of Deposit
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Automatic Renewal to Regular Certificate

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Youth certificate 60-month youth certificate
$0
4.09%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT 84057 2548
IRA Certificate 60 Month
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
60 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
5 Year Certificate
$1,000
3.96%
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6 to 60-Month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$500 minimum balance

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
60 Month Bonus Certificates
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
60 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
5-year CD
$1,500
3.70%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 4, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
60 Month Growth Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
60 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
5 year Saving Certificate
$1,000
3.55%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 60 month
$500
3.50%
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
5 Year CD
$500
3.40%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
60-Month CD
$1,000
3.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 4, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
5 year CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT 84116
IRA CDs 60 Month
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1675 N 200 W, Provo, UT 84604
5 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 4, 2026
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
60 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6975 S Union Park Ctr, Cottonwood Heights, UT 84047
Jumbo Certificates of Deposit - Personal & Business 60 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
60 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
5 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 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.

Frequently Asked Questions about CD Rates in Milford, Utah

Are CD rates in Milford, Utah FDIC insured?

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

Here are recent top rates found for this area:
  • Utah Independent Bank: 3.86% APY (12 MONTH CD)
  • P&S Credit Union: 5.00% APY (12 Month Share / IRA Certificate of Deposit-STUDENT Accounts)
  • Members First Credit Union: 4.20% APY (Youth Certificates 2 Year CD)
  • Desert Rivers Federal Credit Union: 4.20% APY (3 month Super CD)
  • LimeLight Bank: 4.15% APY (6-Month CD)
  • Mountain America Federal Credit Union: 4.09% APY (Youth certificate 60-month youth certificate)
  • Wellspring Federal Credit Union: 4.07% APY (12 Month Certificates)
  • Bank of Utah: 4.06% APY (Certificate of Deposit 3-Month Term)
  • Cyprus Federal Credit Union: 4.05% APY (24 month Certificate (CD))
  • Jordan Federal Credit Union: 4.05% APY (Certificate Account 36 Month)
Rates reflect recent verified offers available in Milford, Utah. Last Updated: April 4, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
CD vs. HYSA

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Milford, 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 Milford, 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 4, 2026

Milford, Utah Rates & Resources

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