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CD Rate Trends

Payson, Utah Best CD Rates September 2026

Current Payson, Utah CD rates include America First Federal Credit UnionAmerica First Federal Credit Union967 S Turf Farm Rd, Payson, UT 84651A5.0 ★Texas Ratio: 7.35%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Certificate at 4.30% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union818 Highway 198, Payson, UT 84651A5.0 ★Texas Ratio: 7.84%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, Nebo Credit UnionNebo Credit Union201 E 100 N, Payson, UT 84651Real return: +1.45%APY minus CPI (February 2026) offering 24 month Certificate (CD) at 4.25% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union824 W 800 S, Payson, UT 84651A+5.0 ★Texas Ratio: 2.32%Real return: +1.40%APY minus CPI (February 2026) offering 60 Month Certificate at 4.20% APY, and Central Bank Provo, UTCentral Bank Provo, UT182 N Main St, Payson, UT 84651A+5.0 ★Texas Ratio: 2.63%Real return: +1.31%APY minus CPI (February 2026) offering 6 Month Personal Certificates of Deposit at 4.11% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

Payson has 38 local institutions in our database, with CD rates as high as 4.30% APY from America First Federal Credit Union at 967 S Turf Farm Rd, Payson, UT 84651. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Utah area. 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 22, 2026

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

Payson 3 Month CD Rates

National 3 Month CD Average2.06% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
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

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
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%
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%
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%
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%
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%
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%
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

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
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%
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%
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%
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

Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
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%
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%
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%
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%
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%
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%
3-Month Certificate
$0
2.27% ▲ 0.21% above national avg
Rate2.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 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%
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%
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%
3-Month Certificate
$0
1.76% ▼ 0.30% below national avg
Rate1.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 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%
3-month term
$0
0.60% ▼ 1.46% below national avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.46% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Standard CDs - 3-month term
$0
0.60% ▼ 1.46% below national avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.46% below avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
3-month term Regular
$0
0.50% ▼ 1.56% below national avg
Rate0.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.56% below avg
Details

Standard CDs

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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

Payson 6 Month CD Rates

National 6 Month CD Average2.76% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
182 N Main St, Payson, UT 84651
6 Month Personal Certificates of Deposit
$500
4.11% ▲ 1.35% above national avg
Rate4.05%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.35% above avg
Details

Term: 6 Months to 11 Months

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
6 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

Nebo Credit Union 201 E 100 N, Payson, UT 84651
6 month Certificate (CD)
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details

Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.56%
191 S 100 W, Payson, UT 84651
6-Month Term Deposit
$0
3.80% ▲ 1.04% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6-Month CD
$500
4.35% ▲ 1.59% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details

10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
6-Month Promo Certificate
$0
4.30% ▲ 1.54% above national avg
Rate4.23%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% 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.

Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Consumer Certificate of Deposit
$500
4.20% ▲ 1.44% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.44% 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.

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month Fixed IRA CD
$100
4.10% ▲ 1.34% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.34% 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%
6 Month IRA Certificate
$100
4.10% ▲ 1.34% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.34% above avg
Details

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month CD
$0
4.09% ▲ 1.33% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.33% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
6 Month IRA Certificates of Deposit
$0
4.05% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details

VIP Yield

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04% ▲ 1.28% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details

UP to $99,999.99

Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
6-month CD
$1,500
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$1,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% 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%
6-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

WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD
$0
3.96% ▲ 1.20% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.20% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
3.95% ▲ 1.19% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details

FinWise Bank
Institution Rating:
B-4.3 ★Texas Ratio: 22.97%
6-Month Term
$500
3.95% ▲ 1.19% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.19% above avg
Details

Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
6 Month Certificates of Deposit
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.19% above avg
Details

Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
6 Month Regular & IRA Certificate
$500
3.95% ▲ 1.19% above national avg
Rate3.89%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.19% above avg
Details

EPB Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.53%
6-Month CD
$0
3.95% ▲ 1.19% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Month Certificate
$500
3.95% ▲ 1.19% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details

Automatic Renewal

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Certificate of Deposit
$1,000
3.95% ▲ 1.19% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details

Millard County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
6 Month Certificate
$0
3.92% ▲ 1.16% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.16% above avg
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
6 Month Share Certificates (CDs)
$1,000
3.91% ▲ 1.15% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.15% above avg
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA
$10,000
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
6-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

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6 Month Certificate
$0
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.14% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
6 Month Certificates of Deposit
$0
3.90% ▲ 1.14% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
6 Month IRA Certificates of Deposit
$0
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
6 month Certificate (CD)
$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

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 Month Certificate Account
$500
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
6 Month Business Jumbo Share Certificates
$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

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
6 Month Business Share Certificates
$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

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
6 Month IRA Jumbo Share Certificates
$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

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
6 Month Jumbo Share Certificates
$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

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
IRA Share Certificates - 6 Months
$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

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6 Month Certificate
$500
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Monthly Paid

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6 Month Share Certificate
$500
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Paid Monthly

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Term Share Certificate
$1,000
3.90% ▲ 1.14% above national avg
Rate3.84%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% 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%
6 Month CD
$0
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month Certificate
$0
3.85% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.09% above avg
Details

Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
6 Month Share Certificate
$0
3.85% ▲ 1.09% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Month Certificate
$500
3.85% ▲ 1.09% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details

Automatic Renewal to Regular Certificate

Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
6 Month Certificate
$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

Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
6 Month Six Month Certificate
$500
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details

Withdrawals: Allowed--Ask Credit Union

San Juan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
6 Month Certificate
$500
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6 MONTH CERTIFICATE
$0
3.79% ▲ 1.03% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.03% above avg
Details

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

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Month Certificate
$0
3.75% ▲ 0.99% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $500.00

Payson 12 Month CD Rates

National 12 Month CD Average2.95% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
182 N Main St, Payson, UT 84651
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

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
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

Nebo Credit Union 201 E 100 N, Payson, UT 84651
12 month Certificate (CD)
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
818 Highway 198, Payson, UT 84651
12 Month Certificate
$0
3.90% ▲ 0.95% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details

Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.56%
191 S 100 W, Payson, UT 84651
12-Month Term Deposit
$0
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
12 Month Flex (regular only)
$0
3.70% ▲ 0.75% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details

Term: 12 Month Flex (regular only)

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
12 Month Certificate - STUDENT Accounts
$100
5.00% ▲ 2.05% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 22, 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%
12 Month Certificate
$500
4.50% ▲ 1.55% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 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%
Savers 12-Month
$9
4.50% ▲ 1.55% above national avg
Rate
Min Deposit$9
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.55% above avg
Details

Minimum deposit of $9 at opening and $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%
12-Month CD
$500
4.35% ▲ 1.40% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.40% above avg
Details

10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
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%
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%
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%
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%
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%
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

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
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%
1 Year CD
$0
4.10% ▲ 1.15% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details

Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
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%
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%
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%
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

Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
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%
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%
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%
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%
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%
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%
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

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
12 Month Certificate of Deposit
$1,000
3.95% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
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 22, 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.

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12 Month CD
$0
3.95% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details

*

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1 Year Certificate
$0
3.91% ▲ 0.96% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.96% above avg
Details

Payson 18 Month CD Rates

National 18 Month CD Average2.81% APY▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
18 Month Certificate
$0
4.05% ▲ 1.24% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details

Nebo Credit Union 201 E 100 N, Payson, UT 84651
18 month Certificate (CD)
$0
4.05% ▲ 1.24% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.24% above avg
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
818 Highway 198, Payson, UT 84651
18 Month Certificate
$0
4.00% ▲ 1.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
18 Month Variable
$0
3.72% ▲ 0.91% above national avg
Rate3.66%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.91% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.35% ▲ 1.54% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.54% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18-Month CD
$500
4.35% ▲ 1.54% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.54% above avg
Details

10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month CD
$0
4.35% ▲ 1.54% above national avg
Rate4.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.54% above avg
Details

Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 Month Certificates of deposit (CDs)
$2,500
4.30% ▲ 1.49% above national avg
Rate4.21%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.49% above avg
Details

Balance: $2,500

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Fixed IRA CD
$100
4.20% ▲ 1.39% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.39% 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%
18 Month IRA Certificate
$100
4.20% ▲ 1.39% above national avg
Rate
Min Deposit$100
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.39% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
18 Month IRA Certificates of Deposit
$0
4.20% ▲ 1.39% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.39% above avg
Details

VIP Yield

Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18 Month High Yield CD
$0
4.15% ▲ 1.34% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.34% above avg
Details

Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15% ▲ 1.34% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.34% 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%
18 Month CD
$1,000
4.10% ▲ 1.29% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.29% above avg
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 MONTH CERTIFICATE
$0
4.06% ▲ 1.25% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.25% 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%
18 Month Certificates of Deposit
$0
4.05% ▲ 1.24% above national avg
Rate3.99%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
18 Month IRA Certificates of Deposit
$0
4.05% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
18 Month Share Certificates (CDs)
$1,000
4.05% ▲ 1.24% above national avg
Rate3.99%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
18 month Certificate (CD)
$0
4.05% ▲ 1.24% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 Month Certificate
$0
4.05% ▲ 1.24% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details

Balance: $500 - $499.99

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 Month Regular Certificate
$0
4.05% ▲ 1.24% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details

Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
18 Month Business Certificate of Deposit
$0
4.00% ▲ 1.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.19% 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%
18 Month CD
$10,000
4.00% ▲ 1.19% above national avg
Rate3.92%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.19% above avg
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$10,000
4.00% ▲ 1.19% above national avg
Rate3.92%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.19% above avg
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Month Certificate
$0
4.00% ▲ 1.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.19% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
18-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.19% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.19% above avg
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 Month Certificate
$500
4.00% ▲ 1.19% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

Monthly Paid

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 Month Share Certificate
$500
4.00% ▲ 1.19% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

Paid Monthly

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
18 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.00% ▲ 1.19% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details

Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
18 Month Certificates of Deposit
$0
3.95% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.14% above avg
Details

Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
18 Month Regular & IRA Certificate
$500
3.95% ▲ 1.14% above national avg
Rate3.89%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.14% above avg
Details

Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 Month Share Certificate
$0
3.95% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Month Certificate Account
$500
3.95% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Month Certificate of Deposit
$1,000
3.95% ▲ 1.14% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.14% above avg
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
18 Month Term Share Certificate
$1,000
3.95% ▲ 1.14% above national avg
Rate3.89%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.14% 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%
18-month Certificate
$0
3.90% ▲ 1.09% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.09% above avg
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18 Month Certificate
$0
3.90% ▲ 1.09% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.09% above avg
Details

w/bump

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.90% ▲ 1.09% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details

Balance: $50,000+

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
18 Month Certificate
$500
3.90% ▲ 1.09% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.09% above avg
Details

Automatic Renewal to Regular Certificate

Orem City Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.24%
18 month CD
$500
3.85% ▲ 1.04% above national avg
Rate3.85%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.04% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.85% ▲ 1.04% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.04% above avg
Details

Balance: $10,000 - $49,999

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate
$0
3.85% ▲ 1.04% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.04% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
18 Month Share Certificates
$0
3.80% ▲ 0.99% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.99% above avg
Details

Balance: $2,000 - $9,999

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
18 Month Certificate
$500
3.80% ▲ 0.99% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details

Automatic Renewal

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate
$0
3.75% ▲ 0.94% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month Certificate
$0
3.75% ▲ 0.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details

North Bay Credit Union
18 Month Share Certificate
$0
3.73% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.92% above avg
Details

Balance: $1,000-$9,999

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Certificate
$0
3.70% ▲ 0.89% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.89% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

Payson 24 Month CD Rates

National 24 Month CD Average2.83% APY▼ 0.03% from last week
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: 7.84%
818 Highway 198, Payson, UT 84651
24 Month Certificate
$0
4.25% ▲ 1.42% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Nebo Credit Union 201 E 100 N, Payson, UT 84651
24 month Certificate (CD)
$0
4.25% ▲ 1.42% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
24 Month Certificate
$0
4.15% ▲ 1.32% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details

Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
182 N Main St, Payson, UT 84651
24 Month Personal Certificates of Deposit
$500
3.96% ▲ 1.13% above national avg
Rate3.90%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.13% above avg
Details

Term: 24 Months to 35 Months

Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.56%
191 S 100 W, Payson, UT 84651
24-Month Term Deposit
$0
3.90% ▲ 1.07% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month CD
$0
4.50% ▲ 1.67% above national avg
Rate4.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.67% above avg
Details

Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2 Year Consumer Certificate of Deposit
$500
4.40% ▲ 1.57% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% 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%
2 Year High-Yield CD
$500
4.35% ▲ 1.52% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2-Year CD
$500
4.35% ▲ 1.52% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details

10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Certificates of deposit (CDs)
$2,500
4.35% ▲ 1.52% above national avg
Rate4.26%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.52% above avg
Details

Balance: $2,500

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
24 Month IRA Certificates of Deposit
$0
4.30% ▲ 1.47% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

VIP Yield

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
2 Year Traditional IRA CD
$500
4.29% ▲ 1.46% above national avg
Rate4.13%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.46% 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%
24 month Certificate (CD)
$0
4.25% ▲ 1.42% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
24 Month Business Jumbo Share Certificates
$0
4.25% ▲ 1.42% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
24 Month Business Share Certificates
$0
4.25% ▲ 1.42% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
24 Month IRA Jumbo Share Certificates
$0
4.25% ▲ 1.42% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Loyalty Rate: 4.16%, Loyalty APY: 4.25%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
24 Month Jumbo Share Certificates
$0
4.25% ▲ 1.42% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Loyalty Rate: 4.16%, Loyalty APY: 4.25%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
IRA Share Certificates - 24 Months
$0
4.25% ▲ 1.42% above national avg
Rate4.16%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
24 Month Certificate
$500
4.25% ▲ 1.42% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details

Rates are as of September 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
24 MONTH CERTIFICATE
$0
4.20% ▲ 1.37% above national avg
Rate4.14%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.37% 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%
24 Month Certificate
$0
4.20% ▲ 1.37% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details

Balance: $500 - $499.99

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 Month Regular Certificate
$0
4.20% ▲ 1.37% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
2 year CD
$500
4.20% ▲ 1.37% above national avg
Rate4.13%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details

Millard County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
24 Month Certificate
$0
4.20% ▲ 1.37% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
2 Year CD
$0
4.20% ▲ 1.37% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
24 Month CD
$1,000
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.32% above avg
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24 Month Certificate
$0
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.32% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
24 Month Certificates of Deposit
$0
4.15% ▲ 1.32% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
24 Month IRA Certificates of Deposit
$0
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$10,000
4.10% ▲ 1.27% above national avg
Rate4.02%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.27% above avg
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA
$10,000
4.10% ▲ 1.27% above national avg
Rate4.02%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.27% above avg
Details

Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
24 Month Regular & IRA Certificate
$500
4.10% ▲ 1.27% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.27% above avg
Details

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
24 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.10% ▲ 1.27% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details

Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
24 Month Certificates of Deposit
$0
4.05% ▲ 1.22% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.22% above avg
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
24 Month Certificate
$0
4.05% ▲ 1.22% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.22% above avg
Details

Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
24 Month Share Certificate
$0
4.05% ▲ 1.22% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
24 Month Share Certificates (CDs)
$1,000
4.05% ▲ 1.22% above national avg
Rate3.99%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24 Month Certificate
$500
4.05% ▲ 1.22% above national avg
Rate3.97%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Monthly Paid

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24 Month Share Certificate
$500
4.05% ▲ 1.22% above national avg
Rate3.97%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Paid Monthly

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
24 Month CD
$0
4.05% ▲ 1.22% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.22% above avg
Details

*

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
2 Year Certificate
$1,000
4.01% ▲ 1.18% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.18% above avg
Details

Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
2 Year Business Certificate of Deposit
$0
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% 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%
2 Year CD
$0
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% 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%
24-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details

Orem City Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.24%
24 month CD
$500
4.00% ▲ 1.17% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
24 Month Certificate Account
$500
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
24 Month Growth Certificate Account
$100
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$100
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% 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%
24 Month Certificate
$500
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Automatic Renewal

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month Term Share Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% 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%
24 Month Certificate of Deposit
$1,000
3.99% ▲ 1.16% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.16% above avg
Details

Payson 36 Month CD Rates

National 36 Month CD Average2.75% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
36 Month Certificate
$0
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Nebo Credit Union 201 E 100 N, Payson, UT 84651
36 month Certificate (CD)
$0
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.40% above avg
Details

Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
182 N Main St, Payson, UT 84651
36 Month Personal Certificates of Deposit
$500
3.96% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.21% above avg
Details

Term: 36 Months to 47 Months

Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.56%
191 S 100 W, Payson, UT 84651
3-Year Term Deposit
$0
3.90% ▲ 1.15% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.15% above avg
Details

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month CD
$0
4.60% ▲ 1.85% above national avg
Rate4.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.85% above avg
Details

Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 1.65% above national avg
Rate4.31%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.65% above avg
Details

Balance: $2,500

Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36-month CD
$2,500
4.40% ▲ 1.65% above national avg
Rate4.40%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.65% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.35% ▲ 1.60% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.60% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3-Year CD
$500
4.35% ▲ 1.60% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.60% above avg
Details

10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
36 Month IRA Certificates of Deposit
$0
4.30% ▲ 1.55% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.55% above avg
Details

VIP Yield

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
36 Month Certificate Account
$500
4.25% ▲ 1.50% above national avg
Rate4.17%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.50% above avg
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
36 Month CD
$1,000
4.20% ▲ 1.45% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.45% above avg
Details

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
36 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.20% ▲ 1.45% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.45% above avg
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
36 Month Certificate
$0
4.15% ▲ 1.40% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.40% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
36 Month Certificates of Deposit
$0
4.15% ▲ 1.40% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
36 Month IRA Certificates of Deposit
$0
4.15% ▲ 1.40% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
36 month Certificate (CD)
$0
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
36 Month Business Jumbo Share Certificates
$0
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
36 Month Business Share Certificates
$0
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
36 Month IRA Jumbo Share Certificates
$0
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Loyalty Rate: 4.07%, Loyalty APY: 4.15%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
36 Month Jumbo Share Certificates
$0
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Loyalty Rate: 4.07%, Loyalty APY: 4.15%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
IRA Share Certificates - 36 Months
$0
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36 Month Certificate
$500
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Monthly Paid

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36 Month Share Certificate
$500
4.15% ▲ 1.40% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Paid Monthly

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
3 Year CD
$0
4.15% ▲ 1.40% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.40% above avg
Details

Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
36 Month Certificates of Deposit
$0
4.05% ▲ 1.30% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.30% above avg
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
36 Month Share Certificates (CDs)
$1,000
4.05% ▲ 1.30% above national avg
Rate3.99%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.30% above avg
Details

Millard County Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
36 Month Certificate
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
3 Year Business Certificate of Deposit
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% 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%
3 Year CD
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% 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%
36-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
36 Month Certificate
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details

Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
36 Month Regular & IRA Certificate
$500
4.00% ▲ 1.25% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.25% above avg
Details

Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
36 Month Share Certificate
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
3 year CD
$500
4.00% ▲ 1.25% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
3 Year Traditional IRA CD
$500
4.00% ▲ 1.25% above national avg
Rate3.94%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% 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%
36 Month Certificate
$500
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% above avg
Details

Automatic Renewal

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Term Share Certificate
$1,000
4.00% ▲ 1.25% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% 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%
36 Month CD
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% above avg
Details

*

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Month Certificate of Deposit
$1,000
3.99% ▲ 1.24% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.24% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus Certificates
$0
3.97% ▲ 1.22% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: 36 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus IRA Certificates
$0
3.97% ▲ 1.22% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: 36 Month

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
36-month Certificate
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.15% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
36 Month Certificate
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 Year Certificate
$500
3.86% ▲ 1.11% above national avg
Rate3.79%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.11% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 3 Years
$5
3.86% ▲ 1.11% above national avg
Rate3.79%
Min Deposit$5
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.11% above avg
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Month Certificate
$0
3.85% ▲ 1.10% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.10% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Certificates
$0
3.81% ▲ 1.06% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.06% above avg
Details

Balance: 36 Month

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 MONTH CERTIFICATE
$0
3.80% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.05% 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%
36 Month Certificate
$0
3.80% ▲ 1.05% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.05% above avg
Details

Payson 48 Month CD Rates

National 48 Month CD Average2.76% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nebo Credit Union 201 E 100 N, Payson, UT 84651
48 month Certificate (CD)
$0
4.20% ▲ 1.44% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.44% above avg
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
48 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

Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
182 N Main St, Payson, UT 84651
48 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: 48 Months to 59 Months

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month CD
$0
4.70% ▲ 1.94% above national avg
Rate4.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.94% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.35% ▲ 1.59% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4-Year CD
$500
4.35% ▲ 1.59% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details

10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
48 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

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
48 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

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
48 month Certificate (CD)
$0
4.20% ▲ 1.44% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
48 Month Business Jumbo Share Certificates
$0
4.20% ▲ 1.44% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
48 Month Business Share Certificates
$0
4.20% ▲ 1.44% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
48 Month IRA Jumbo Share Certificates
$0
4.20% ▲ 1.44% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Loyalty Rate: 4.11%, Loyalty APY: 4.20%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
48 Month Jumbo Share Certificates
$0
4.20% ▲ 1.44% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Loyalty Rate: 4.11%, Loyalty APY: 4.20%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
IRA Share Certificates - 48 Months
$0
4.20% ▲ 1.44% above national avg
Rate4.11%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
48 Month Certificate
$500
4.20% ▲ 1.44% above national avg
Rate4.12%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Monthly Paid

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
48 Month Share Certificate
$500
4.20% ▲ 1.44% above national avg
Rate4.12%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.44% above avg
Details

Paid Monthly

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.20% ▲ 1.44% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.44% above avg
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
48 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%
48 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%
48 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

Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
48 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

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
48 Month Certificate
$500
4.05% ▲ 1.29% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.29% above avg
Details

Automatic Renewal to Regular Certificate

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
48-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

Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
48 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%
48 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

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
48 Month Certificate Account
$500
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Term Share Certificate
$1,000
4.00% ▲ 1.24% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 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.

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
48 Month Certificate of Deposit
$1,000
3.99% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.23% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 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: 48 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 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: 48 Month

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
48 Month Certificate
$500
3.95% ▲ 1.19% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details

Automatic Renewal

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
48-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

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
4 Year Certificate
$500
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 4 Years
$5
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$5
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 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

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 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: 48 Month

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
4 Year Certificate
$1,000
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 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.

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
48 Month Certificate
$0
3.80% ▲ 1.04% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
48 Month Certificate
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
48 Month Certificate
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $500 - $499.99

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
48 Month Regular Certificate
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Varex Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
48 Month CD
$1,000
3.75% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

San Juan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
48 Month Certificate
$500
3.65% ▲ 0.89% above national avg
Rate3.60%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
48 Month Share Certificates
$0
3.60% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

Balance: $50,000+

Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 Month Certificate
$0
3.56% ▲ 0.80% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
48 Month Share Certificates
$0
3.55% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details

Balance: $10,000 - $49,999

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
48 Month Share Certificates
$0
3.50% ▲ 0.74% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details

Balance: $2,000 - $9,999

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Certificate
$0
3.46% ▲ 0.70% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.70% above avg
Details

Balance: $25,000.00 and over

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 Month Certificate
$0
3.41% ▲ 0.65% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.65% above avg
Details

Balance: $10,000.00 - $25,000.00

Payson 60 Month CD Rates

National 60 Month CD Average2.83% APY▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
967 S Turf Farm Rd, Payson, UT 84651
60 Month Certificate
$500
4.30% ▲ 1.47% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
967 S Turf Farm Rd, Payson, UT 84651
60 Month Flexible Certificate
$500
4.30% ▲ 1.47% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
967 S Turf Farm Rd, Payson, UT 84651
60 Month Regular CD
$500
4.30% ▲ 1.47% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
967 S Turf Farm Rd, Payson, UT 84651
60 Month Regular Certificate Accounts
$500
4.30% ▲ 1.47% above national avg
Rate4.22%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
818 Highway 198, Payson, UT 84651
60 Month Certificate
$0
4.25% ▲ 1.42% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Nebo Credit Union 201 E 100 N, Payson, UT 84651
60 month Certificate (CD)
$0
4.25% ▲ 1.42% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
824 W 800 S, Payson, UT 84651
60 Month Certificate
$0
4.20% ▲ 1.37% above national avg
Rate4.12%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
967 S Turf Farm Rd, Payson, UT 84651
60 Month Bump-Rate Certificate Accounts
$500
4.15% ▲ 1.32% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
967 S Turf Farm Rd, Payson, UT 84651
60 Month Certificate
$500
4.15% ▲ 1.32% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details

Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
182 N Main St, Payson, UT 84651
60 Month Personal Certificates of Deposit
$500
4.06% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.23% above avg
Details

Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.56%
191 S 100 W, Payson, UT 84651
5-Year Jump Term Deposit
$0
4.00% ▲ 1.17% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month CD
$0
4.75% ▲ 1.92% above national avg
Rate4.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.92% above avg
Details

Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 1.57% above national avg
Rate4.31%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.57% above avg
Details

Balance: $2,500

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.35% ▲ 1.52% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details

Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5-Year CD
$500
4.35% ▲ 1.52% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details

10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
60 Month IRA Certificates of Deposit
$0
4.35% ▲ 1.52% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.52% above avg
Details

VIP Yield

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
60 Month Business Jumbo Share Certificates
$0
4.30% ▲ 1.47% above national avg
Rate4.21%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
60 Month Business Share Certificates
$0
4.30% ▲ 1.47% above national avg
Rate4.21%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
60 Month IRA Jumbo Share Certificates
$0
4.30% ▲ 1.47% above national avg
Rate4.21%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

Loyalty Rate: 4.21%, Loyalty APY: 4.30%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
60 Month Jumbo Share Certificates
$0
4.30% ▲ 1.47% above national avg
Rate4.21%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

Loyalty Rate: 4.21%, Loyalty APY: 4.30%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
IRA Share Certificates - 60 Months
$0
4.30% ▲ 1.47% above national avg
Rate4.21%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
60 MONTH CERTIFICATE
$0
4.25% ▲ 1.42% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.42% 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%
60 month Certificate (CD)
$0
4.25% ▲ 1.42% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60 Month Certificate
$500
4.25% ▲ 1.42% above national avg
Rate4.16%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Monthly Paid

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60 Month Share Certificate
$500
4.25% ▲ 1.42% above national avg
Rate4.16%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details

Paid Monthly

Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.25% ▲ 1.42% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
60 Month CD
$1,000
4.20% ▲ 1.37% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.37% above avg
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
60 Month Certificate
$0
4.20% ▲ 1.37% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.37% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
60 Month Certificates of Deposit
$0
4.20% ▲ 1.37% above national avg
Rate4.14%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details

Ascent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
60 Month IRA Certificates of Deposit
$0
4.20% ▲ 1.37% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details

Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
60 Month Certificates of Deposit
$0
4.10% ▲ 1.27% above national avg
Rate4.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.27% above avg
Details

Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
60 Month Regular & IRA Certificate
$500
4.10% ▲ 1.27% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.27% above avg
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
60 Month Certificate
$500
4.10% ▲ 1.27% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details

Automatic Renewal to Regular Certificate

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
60 Month Certificate of Deposit
$1,000
4.10% ▲ 1.27% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
5 Year Certificate
$1,000
4.06% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.23% above avg
Details

Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
60 Month Share Certificate
$0
4.05% ▲ 1.22% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
60 Month Share Certificates (CDs)
$1,000
4.05% ▲ 1.22% above national avg
Rate3.99%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
60 Month Certificate Account
$500
4.05% ▲ 1.22% above national avg
Rate3.98%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
5 year CD
$500
4.05% ▲ 1.22% above national avg
Rate3.99%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.64%
5 Year Traditional IRA CD
$500
4.05% ▲ 1.22% above national avg
Rate3.99%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

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

Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year High Yield CD
$0
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
60-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
60 Month Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $50,000+

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
5 Year Certificate
$500
4.00% ▲ 1.17% above national avg
Rate3.92%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates - Traditional & Roth - 5 Years
$5
4.00% ▲ 1.17% above national avg
Rate3.92%
Min Deposit$5
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: 60 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus IRA Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: 60 Month

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Term Share Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
5 Year Step-Up CD
$1,000
3.96% ▲ 1.13% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.13% above avg
Details

Inland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
60 Month Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $10,000 - $49,999

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 Payson, Utah Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates
Central Bank Provo, UT
6 Month Personal Certificates of Deposit
A+ 5.0 ★ TX: 2.63%
Min: $500
4.11%
Morgan Stanley
60 Month CD
A+ 5.0 ★ TX: 2.86%
Min: $0
4.75%
Sallie Mae
36 Month Certificates of deposit (CDs)
A+ 5.0 ★ TX: 4.70%
Min: $2,500
4.40%
Happen Bank
2 Year Consumer Certificate of Deposit
A+ 5.0 ★ TX: 4.05%
Min: $500
4.40%
Marcus Bank
12-Month CD
A+ 5.0 ★ TX: 4.32%
Min: $500
4.35%
CU Top 5 Credit Union Rates
America First Federal Credit Union
60 Month Certificate
A 5.0 ★ TX: 7.35%
Min: $500
4.30%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 7.84%
Min: $0
4.25%
Nebo Credit Union
24 month Certificate (CD)
Min: $0
4.25%
Goldenwest Federal Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 2.32%
Min: $0
4.20%
Pacific Horizon Credit Union
5-Year Jump Term Deposit
A 5.0 ★ TX: 13.56%
Min: $0
4.00%
Rates verified September 22, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Payson, UT CD Rate Trends

Compare local Payson, 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
2.945%
▲ 0.004 vs 7 days ago

Utah 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.

6-Month CD UT Avg
2.760%
Unchanged vs 7 days ago

Utah 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.

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
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%

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

Spread model: The Utah 12-month CD average currently trades 1.43% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at UT CD Rates Today

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

CD Term UT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.055% $102.77 $205.54 $513.85 $1,027.70
6-Month CD 2.760% $137.99 $275.97 $689.93 $1,379.85
12-Month CD 2.945% $147.27 $294.54 $736.35 $1,472.70
18-Month CD 2.813% $140.67 $281.33 $703.32 $1,406.65
24-Month CD 2.833% $141.64 $283.27 $708.18 $1,416.35
36-Month CD 2.754% $137.68 $275.36 $688.40 $1,376.80
48-Month CD 2.759% $137.97 $275.93 $689.82 $1,379.65
60-Month CD 2.834% $141.70 $283.39 $708.48 $1,416.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026.

Sample CD Ladder for Payson, 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 2.055% $102.77
2 6-Month CD $5,000 2.760% $137.99
3 12-Month CD $5,000 2.945% $147.27
4 24-Month CD $5,000 2.833% $141.64
5 36-Month CD $5,000 2.754% $137.68
Total ($25,000 invested) $25,000 2.669% blended $667.35/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.

591
CD Rates
Tracked in Payson, Utah
24 Banks 49 Credit Unions

About Our Payson, Utah CD Rate Database

MonitorBankRates tracks 591 CD rates from 24 banks and 49 credit unions with locations in Payson, 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: America First Federal Credit Union offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Payson, Utah.

How to Find the Best CD Rates in Payson, Utah

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

To find the best APYs in Payson, Utah, start with credit unions and online-only banks: Payson, Utah has 49 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 Payson, 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 Payson, Utah: 73 institutions here report CD rates

Consider an Alternative If…

Payson, Utah Financial Snapshot

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

Population 65+
10.3%
National avg: 17.3%
Median Individual Earnings
$36,085
National avg: $47,340
Poverty Rate
7.3%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$106/yr
At UT 12-mo avg 2.945% APY

10.3% of residents are 65 or older, below the national average of 17.3%. At today’s UT 12-month CD average of 2.945%, saving 10% of the local median salary ($3,608/year) and putting it in a CD would earn an additional $106 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 Payson, 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 Payson, 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 Payson, 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 Payson, Utah as everywhere in the U.S.

Choosing a CD Term in Payson, 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 Payson, Utah savers easier access to their funds. For example, Central Bank Provo, UT is offering its 6 Month Personal Certificates of Deposit at 4.11% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Month Certificate at 4.30% 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 Payson, 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 Payson, 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 Payson, 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 Payson, 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 Payson, Utah

Most CDs carry a fixed rate that is locked for the entire term, protecting a Payson, 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 Payson, Utah

Are CD rates in Payson, Utah FDIC insured?

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

Here are recent top rates found for this area:
  • America First Federal Credit Union: 4.30% APY (60 Month Certificate)
  • Mountain America Federal Credit Union: 4.25% APY (24 Month Certificate)
  • Nebo Credit Union: 4.25% APY (24 month Certificate (CD))
  • Goldenwest Federal Credit Union: 4.20% APY (60 Month Certificate)
  • Central Bank Provo, UT: 4.11% APY (6 Month Personal Certificates of Deposit)
  • Pacific Horizon Credit Union: 4.00% APY (5-Year Jump Term Deposit)
  • P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
  • 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))
Rates reflect recent verified offers available in Payson, Utah. Last Updated: September 22, 2026

Payson, 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 Payson, Utah rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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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.

Top Payson, Utah CD Rates by Term

Verified September 22, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Payson, Utah. Averages shown use the Utah state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Payson, 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 Payson, 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 Payson, 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 22, 2026

Payson, Utah Rates & Resources