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Roy, Utah CD Rates Today - Compare Best APYs for June 2026

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: June 23, 2026

Current Roy, Utah CD rates include Goldenwest Federal Credit UnionGoldenwest Federal Credit Union5627 S 2050 W, Roy, UT 84067A+5.0 ★Texas Ratio: 1.97%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month at 4.00% APY, America First Federal Credit UnionAmerica First Federal Credit Union4051 S 1900 W Bldg 5, Roy, UT 84067A5.0 ★Texas Ratio: 7.26%Real return: +1.15%APY minus CPI (February 2026) offering 60 Months at 3.95% APY, Wasatch Peaks Federal Credit UnionWasatch Peaks Federal Credit Union1935 W 4800 S, Roy, UT 84067A+5.0 ★Texas Ratio: 2.48%Real return: +1.15%APY minus CPI (February 2026) offering 60 Month Certificate at 3.95% APY, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union5770 S Missile Way BLDG 5, Roy, UT 84067A5.0 ★Texas Ratio: 8.11%Real return: +1.04%APY minus CPI (February 2026) offering Bonus IRA Certificates 12 Month at 3.84% APY, and UTAH COMMUNITYUTAH COMMUNITYC3.8 ★Texas Ratio: 2.75%Real return: +1.44%APY minus CPI (February 2026) offering 6-Month Add-on at 4.24% APY. CD rates as of June 23, 2026 according to verified data from MonitorBankRates.

Roy has 44 local institutions in our database, with CD rates as high as 4.00% APY from Goldenwest Federal Credit Union at 5627 S 2050 W, Roy, UT 84067. 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 — 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: June 23, 2026

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

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

Roy 3 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
3 Month Certificate
$500
3.85%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
5627 S 2050 W, Roy, UT 84067
3 Month
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 month Super CD
$0
4.20%
View
▼
Rate4.13%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Month CD
$0
3.86%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
3-month CD
$1,500
3.80%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
3 Month Add-on
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
90 Day Fixed Rate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3 MONTH CD
$500
2.01%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 3 months
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 3 months
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 3 months
$0
0.35%
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
90 Days
$0
0.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3 Months
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
3-Month CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details

Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details

Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.

WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3 Months
$1,000
0.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Business Share Certificates - 3 Months
$0
0.05%
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Share Certificate 3 Months
$0
0.05%
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Roy 6 Month CD Rates

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: 1.97%
5627 S 2050 W, Roy, UT 84067
6 Month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
6 Month Certificate
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus Certificates 6 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
6 Month
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
6 Month Add-on
$0
4.24%
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
6-Month Add-on
$0
4.24%
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6-Month CD
$0
4.08%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
6-month CD
$1,500
4.00%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. 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: 6.78%
6-month GoldStar? Membership
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month GoldStar? Membership Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
6-Month CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Business Share Certificates - 6 Months
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Share Certificate 6 Months
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
6 Month CD
$0
3.86%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
6 Month CD
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
6 month Certificate (CD)
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Open Online

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Online Only

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6-Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 Months
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6 MONTH IRA
$500
3.75%
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6 MONTH CD
$500
3.75%
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
6 month CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
6 mos IRA CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6 Month
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month Certificate of Deposit
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
6 months
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 6 months
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 6 months
$0
2.86%
View
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
6 months
$0
2.86%
View
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
6 months
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 6 months
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
6 Months
$500
2.75%
View
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month Certificate
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
6 Month Certificate
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month Share Certificate
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificate (IRA) 6 Month
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
180 Days
$0
0.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details

Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.05%
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details

Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.

Roy 12 Month CD Rates

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: 1.97%
5627 S 2050 W, Roy, UT 84067
12 Month
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
12 Month Certificate
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
12-Month Bonus Certificate
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus Certificates 12 Month
$0
3.84%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus IRA Certificates 12 Month
$0
3.84%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
5627 S 2050 W, Roy, UT 84067
12 Month Flex (regular only)
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
12 Month
$0
3.69%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
IRA Certificate 12 Month
$0
3.69%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
YOUth Boost 12-Month
$0
3.69%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
1 Year Flex Certificate
$50
3.65%
View
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details

Allows withdrawals the first three (3) business days of each quarter (January/April/July/October). The maximum limit of Flex Certificate is $100,000 with a maximum deposit of $10,000 per month.

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
12-Month CD
$0
4.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month GoldStar? Membership
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month GoldStar? Membership Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
<12 Months
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Months
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
12 Month CD
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
1-year CD
$1,500
4.00%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
1 Year CD
$0
3.96%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Business Share Certificates - 12 Months
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Share Certificate 12 Months
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
12 month Certificate (CD)
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Open Online

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month IRA
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Online Only

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
12 MONTH CD
$500
3.86%
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
12-month CD
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Grow your savings faster.

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 12 Month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 Months
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 months
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Mo Certificate
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
12 Month CD
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1 Year Youth
$250
3.75%
View
▼
Rate3.69%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Months
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12-Month Share Certificate
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
12 Month Share Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
1 year CD
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
1 year IRA CD
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1-Year CD
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
12 MONTH IRA
$500
3.75%
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12-Month CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Annual Percentage Yield accurate as of 6/2/2026. Terms and conditions apply.

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
12 Month Add-on
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1 Year
$0
3.67%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1 Year
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 1 Year
$5
3.50%
View
▼
Rate3.44%
Min Deposit$5
Min Balance—
UpdatedJun 16, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
12 Month Certificate of Deposit
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
12 months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 12 months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
12 months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Roy 18 Month CD Rates

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: 1.97%
5627 S 2050 W, Roy, UT 84067
18 Month
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
18 Month Certificate
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
5627 S 2050 W, Roy, UT 84067
18 Month Variable
$0
3.68%
View
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
18 Month CD
$1,000
4.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
18-month CD
$1,500
4.00%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. 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: 6.78%
18-month GoldStar? Membership
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month GoldStar? Membership Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
18 month Certificate (CD)
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 18 months
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Online Only

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 months
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 18 months
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
18 Month CD
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 18 months
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Months
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Months
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA Certificates (CDs) 18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Fixed Rate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
18 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
18 MONTH IRA
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
18 MONTH VARIABLE IRA
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Variable Rate

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
18 Months Share Certificate
$0
1.60%
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificate (IRA) 18 Months
$0
1.60%
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1.5 Years
$0
0.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

Roy 24 Month CD Rates

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: 1.97%
5627 S 2050 W, Roy, UT 84067
24 Month
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
24 Month Certificate
$500
3.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus Certificates 24 Month
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus IRA Certificates 24 Month
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
24 Month
$0
3.59%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
IRA Certificate 24 Month
$0
3.59%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
24 Month CD
$1,000
4.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Business Share Certificates - 24 Months
$0
4.10%
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Share Certificate 24 Months
$0
4.10%
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
24 month Certificate (CD)
$0
4.05%
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month GoldStar? Membership Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
24-month certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
2-year CD
$1,500
4.00%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. 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: 6.78%
24-month GoldStar? Membership
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
2 1/2-Year CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
2 year CD
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
2 year IRA CD
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
24 Month CD
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 months
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1 1/2 Year-CD
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
2 Years
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 2 Years
$5
3.60%
View
▼
Rate3.54%
Min Deposit$5
Min Balance—
UpdatedJun 16, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Online Only

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
2-Year CD
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Open Online

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month Certificate of Deposit
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 24 months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 24 months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 24 months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 24 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2 Year Certificate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 Months
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Fixed Rate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 Months
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
24 Months
$0
2.97%
View
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
24-month term
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
24 Month Certificate
$0
2.57%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
24-month term
$0
2.34%
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
2 Year
$0
2.28%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
24 MONTH CD
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
24 MONTH IRA
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2 year Bump-up CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

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

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2 Years* Share Certificate
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificate (IRA) 2 Years*
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2 Years
$0
0.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
2 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Roy 36 Month CD Rates

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: 1.97%
5627 S 2050 W, Roy, UT 84067
36 Month
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
36 Month Certificate
$500
3.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus Certificates 36 Month
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus IRA Certificates 36 Month
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
36 Month
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
IRA Certificate 36 Month
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
36 Month CD
$1,000
4.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month GoldStar? Membership Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month GoldStar? Membership
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Share Certificate 36 Months
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Business Share Certificates - 36 Months
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
3-year CD
$1,500
4.00%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. 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: 6.78%
36-month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
36 Month CD
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 months
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Years
$500
3.64%
View
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 3 Years
$5
3.64%
View
▼
Rate3.58%
Min Deposit$5
Min Balance—
UpdatedJun 16, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3 Year Certificate
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 year IRA CD
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 year CD
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month Certificate of Deposit
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 36 months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 36 months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 36 months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Months
$0
3.36%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Months
$0
3.32%
View
▼
Rate3.27%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Online Only

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Open Online

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 36 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
3-Year CD
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
36-month term
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month Certificate
$0
2.63%
View
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
36 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
36-month term
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
3 Year
$0
2.48%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 year High Yield CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

No fees, commissions or spreads

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
3 Years* Share Certificate
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificate (IRA) 3 Years*
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 Years
$0
1.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Roy 48 Month CD Rates

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: 1.97%
5627 S 2050 W, Roy, UT 84067
48 Month
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
48 Month Certificate
$500
3.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus IRA Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
48 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
IRA Certificate 48 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
48 Month CD
$1,000
4.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month GoldStar? Membership Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month GoldStar? Membership
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Business Share Certificates - 48 Months
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Share Certificate 48 Months
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
48 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
4-year CD
$1,500
4.00%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. 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: 6.78%
48-month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4 Year Certificate
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
48 Month CD
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 months
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 4 Years
$5
3.70%
View
▼
Rate3.63%
Min Deposit$5
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years
$500
3.70%
View
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 48 months
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 48 months
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month Certificate of Deposit
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 48 months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.36%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Open Online

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month IRA
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Online Only

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificate
$0
2.68%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term
$0
2.64%
View
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
48 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
4 Year
$0
2.28%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
4 Years* Share Certificate
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificate (IRA) 4 Years*
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4 Years
$0
1.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

Roy 60 Month CD Rates

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: 1.97%
5627 S 2050 W, Roy, UT 84067
60 Month
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
4051 S 1900 W Bldg 5, Roy, UT 84067
60 Months
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1935 W 4800 S, Roy, UT 84067
60 Month Certificate
$500
3.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
Bonus IRA Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
60 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5770 S Missile Way BLDG 5, Roy, UT 84067
IRA Certificate 60 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
60 Month CD
$1,000
4.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Business Share Certificates - 60 Months
$0
4.05%
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Share Certificate 60 Months
$0
4.05%
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month GoldStar? Membership Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month GoldStar? Membership
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Rate is 0.100% APY lower for non-GoldStar? members

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
60 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 60 months
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
5-year CD
$1,500
4.00%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedJun 16, 2026
Details

Fixed rate. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
5 Year Certificate
$1,000
3.96%
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
5 Year Step-Up CD
$1,000
3.96%
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 60 months
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
Share Certificates 60 months
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years
$500
3.85%
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
IRA Certificates 5 Years
$5
3.85%
View
▼
Rate3.78%
Min Deposit$5
Min Balance—
UpdatedJun 16, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
60 Months Jump Up
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
60 Month CD
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Months
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month Certificate of Deposit
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Months
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Months
$0
3.49%
View
▼
Rate3.43%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
60 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 MONTH CD
$500
3.34%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
5 year CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
5 year IRA CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
IRA CD 60 Month
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Online Only

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details

Open Online

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term
$0
2.84%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month Certificate
$0
2.68%
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
60 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
5 Year
$0
2.48%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
60 Month Certificate
$0
2.40%
View
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
5 Years* Share Certificate
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificate (IRA) 5 Years*
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
5 Years
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2.5 Years
$0
0.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details

WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Months
$0
0.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details

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

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

Top CD Rates from Roy, Utah Institutions

Highest verified APYs available today — updated June 23, 2026

B Top 5 Bank Rates
UTAH COMMUNITY
6-Month Add-on
C 3.8 ★ TX: 2.75%
Min: $0
4.24%
TAB Bank
60 Month CD
A 5.0 ★ TX: 13.12%
Min: $1,000
4.20%
LimeLight Bank
6-Month CD
A 5.0 ★ TX: 12.00%
Min: $0
4.08%
Bread Financial
6-month CD
B 4.4 ★ TX: 22.10%
Min: $1,500
4.00%
WebBank
1 Year CD
A- 4.9 ★ TX: 15.98%
Min: $0
3.96%
CU Top 5 Credit Union Rates
Goldenwest Federal Credit Union
60 Month
A+ 5.0 ★ TX: 1.97%
Min: $0
4.00%
America First Federal Credit Union
60 Months
A 5.0 ★ TX: 7.26%
Min: $0
3.95%
Wasatch Peaks Federal Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 2.48%
Min: $500
3.95%
Northrop Grumman Federal Credit Union
Bonus IRA Certificates 12 Month
A 5.0 ★ TX: 8.11%
Min: $0
3.84%
Desert Rivers Federal Credit Union
3 month Super CD
A 5.0 ★ TX: 8.74%
Min: $0
4.20%
Rates verified June 23, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Roy, UT CD Rate Trends

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

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

View Full Utah CD Trends →
12-Month CD — UT Avg
3.283%
▲ 0.100 vs 7 days ago

Utah 12-month CD rates rose 0.100 points over the past 7 days to 3.283% APY.

6-Month CD — UT Avg
2.889%
▼ 0.030 vs 7 days ago

Utah 6-month CD rates fell 0.030 points over the past 7 days to 2.889% APY.

As of Jun 23, 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 June 2027?

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

UT 12-Month Avg APY
3.283%
6-Month Forecast
3.283%
Range: 3.08% – 3.43%
12-Month Forecast
3.033%
Range: 2.83% – 3.18%

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

Spread model: The Utah 12-month CD average currently trades 1.09% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at UT CD Rates Today

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

CD Term UT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.316% $115.81 $231.62 $579.05 $1,158.10
6-Month CD 2.889% $144.47 $288.93 $722.33 $1,444.65
12-Month CD 3.283% $164.14 $328.28 $820.70 $1,641.40
18-Month CD 3.783% $189.17 $378.34 $945.85 $1,891.70
24-Month CD 3.884% $194.19 $388.38 $970.95 $1,941.90
36-Month CD 3.864% $193.21 $386.41 $966.03 $1,932.05
48-Month CD 3.891% $194.53 $389.06 $972.65 $1,945.30
60-Month CD 3.759% $187.96 $375.91 $939.78 $1,879.55
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 23, 2026.

Sample CD Ladder for Roy, 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 2.316% $115.81
2 6-Month CD $5,000 2.889% $144.47
3 12-Month CD $5,000 3.283% $164.14
4 24-Month CD $5,000 3.884% $194.19
5 36-Month CD $5,000 3.864% $193.21
Total ($25,000 invested) $25,000 3.247% blended $811.82/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.

295
CD Rates
Tracked in Roy, Utah
15 Banks 21 Credit Unions

About Our Roy, Utah CD Rate Database

MonitorBankRates tracks 295 CD rates from 15 banks and 21 credit unions with locations in Roy, 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: Goldenwest Federal Credit Union offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Roy, Utah.

How to Find the Best CD Rates in Roy, Utah

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

To find the best APYs in Roy, Utah, start with credit unions and online-only banks — Roy, Utah has 21 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 Roy, 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 Roy, Utah — 36 institutions here report CD rates

Consider an Alternative If…

Roy, Utah Financial Snapshot

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

Population 65+
11.2%
National avg: 17.3%
Median Individual Earnings
$43,085
National avg: $47,340
Poverty Rate
5.0%
National avg: 11.1%
Unemployment Rate
2.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$141/yr
At UT 12-mo avg 3.283% APY

11.2% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.8% reflects a strong local economy. At today’s UT 12-month CD average of 3.283%, saving 10% of the local median salary ($4,308/year) and putting it in a CD would earn an additional $141 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 Roy, 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 Roy, 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 Roy, 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 Roy, Utah as everywhere in the U.S.

Choosing a CD Term in Roy, 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 Roy, Utah savers easier access to their funds. For example, Goldenwest Federal Credit Union is offering its 6 Month at 3.90% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Goldenwest Federal Credit Union is offering its 60 Month at 4.00% 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 Roy, 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 Roy, 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 Roy, 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 Roy, 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 Roy, Utah

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

Are CD rates in Roy, Utah FDIC insured?

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

Here are recent top rates found for this area:
  • Goldenwest Federal Credit Union: 4.00% APY (60 Month)
  • Wasatch Peaks Federal Credit Union: 3.95% APY (48 Month Certificate)
  • America First Federal Credit Union: 3.95% APY (60 Months)
  • Northrop Grumman Federal Credit Union: 3.84% APY (12-Month Bonus Certificate)
  • UTAH COMMUNITY: 4.24% APY (6 Month Add-on)
  • TAB Bank: 4.20% APY (60 Month CD)
  • Desert Rivers Federal Credit Union: 4.20% APY (3 month Super CD)
  • Deseret First Federal Credit Union: 4.10% APY (Business Share Certificates - 24 Months)
  • LimeLight Bank: 4.08% APY (6-Month CD)
  • Cyprus Federal Credit Union: 4.05% APY (24 month Certificate (CD))
Rates reflect recent verified offers available in Roy, Utah. Last Updated: June 23, 2026

CD Calculators for Roy, Utah

Roy, Utah CD Calculator

At today’s UT top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.

Roy, Utah CD Ladder

UT CD rates currently range from 2.316% (3-month) to 3.864% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Roy, Utah CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Utah’s average 12-month CD is 3.283% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Roy, 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 Roy, 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 Roy, 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: June 23, 2026

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