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CD Rates Saint George, Utah (UT) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 6, 2026

Current Saint George, Utah CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union883 N 3050 E, Saint George, UT 84790 9041A5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.15% APY, LimeLight BankLimeLight Bank40 S 100 E, Saint George, UT 84770A5.0 ★Texas Ratio: 12.00% offering 6-Month CD at 4.15% APY, Bank of UtahBank of Utah335 E Saint George Blvd, Saint George, UT 84770A+5.0 ★Texas Ratio: 0.00% offering Certificate of Deposit 3-Month Term at 4.06% APY, State Bank of Southern UtahState Bank of Southern Utah1337 E 170 S, Saint George, UT 84790A+5.0 ★Texas Ratio: 5.81% offering 60 MONTH CERTIFICATE at 4.00% APY, and Chartway Credit UnionChartway Credit Union333 E Tabernacle St, Saint George, UT 84770A+5.0 ★Texas Ratio: 1.26% offering 3-Month Promo Certificate at 3.85% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.

Saint George has 20 local institutions in our database, with CD rates as high as 4.15% APY from Mountain America Federal Credit Union at 883 N 3050 E, Saint George, UT 84790 9041. 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: April 6, 2026

Compare Best CD Rates in Saint George, Utah & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
335 E Saint George Blvd, Saint George, UT 84770
Certificate of Deposit 3-Month Term
$0
4.06%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
333 E Tabernacle St, Saint George, UT 84770
3-Month Promo Certificate
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1337 E 170 S, Saint George, UT 84790
3 MONTH CERTIFICATE
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
3 month Super CD
$0
4.20%
View
▼
Rate4.13%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

***

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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

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—
UpdatedApr 6, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Month CD
$0
3.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

**

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 90 Day Fixed Rate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3 MONTH CD
$500
2.01%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
3-Month CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
40 S 100 E, Saint George, UT 84770
6-Month CD
$1,000
4.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
335 E Saint George Blvd, Saint George, UT 84770
6 Month Fixed IRA
$100
3.85%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1337 E 170 S, Saint George, UT 84790
6 MONTH CERTIFICATE
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Share / IRA Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Automatic Renewal

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
6-Month CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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

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

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

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
6 Month CD
$0
3.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
40 S 100 E, Saint George, UT 84770
12-Month CD
$1,000
4.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1337 E 170 S, Saint George, UT 84790
12 MONTH - ADD ON CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
333 E Tabernacle St, Saint George, UT 84770
12-Month No Penalty Promo Certificate
$0
3.30%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

(Share Certificate Only)

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
12 Month Share / IRA Certificate of Deposit-STUDENT Accounts
$0
5.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Automatic Renewal

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
12 Month Certificates
$0
4.07%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
12 Month Promotional Rate (Traditional Certificates Only)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 month Term Share Certificates
$1,000
3.95%
View
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

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

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
12 MONTH CD
$500
3.86%
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 12 Month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
1 Year CD
$0
3.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

**

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1-Year CD
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
12 Month Growth Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Year CD
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

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

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1 Year Share Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 12 month
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month CD
$1,000
3.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 12 Month
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1 Year Certificate
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
12-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
Flex Certificates 1 year
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
883 N 3050 E, Saint George, UT 84790 9041
Standard certificate 18-month certificate
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
40 S 100 E, Saint George, UT 84770
18-Month CD
$1,000
3.90%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1337 E 170 S, Saint George, UT 84790
18 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
335 E Saint George Blvd, Saint George, UT 84770
18 Month Fixed IRA
$100
3.60%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

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

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
18 Month CD
$1,000
3.87%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
18 month CD
$500
3.85%
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
18-month CD
$1,500
3.75%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
18 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
18 Month CD
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
18 Month Share Certificate
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 18 Month Fixed Rate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 month Saving Certificate
$1,000
3.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
18 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
40 S 100 E, Saint George, UT 84770
24-Month CD
$1,000
3.80%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Youth Certificates 2 Year CD
$0
4.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
24-Month Certificate
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Share / IRA Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Automatic Renewal

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 6, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
24-month Certificate
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
2 year CD
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
24 Month CD
$1,000
3.82%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1 1/2 Year-CD
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month Certificates
$0
3.59%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
24 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
24 Month Growth Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$10,000
3.50%
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 24 Month
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 24 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
2 Year Certificate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 24 month
$500
3.20%
View
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
2 year Saving Certificate
$1,000
3.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 24 Month Fixed Rate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate
$0
2.47%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
24 MONTH CD
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2 year Bump-up CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
24-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
2 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

**

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1337 E 170 S, Saint George, UT 84790
36 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
40 S 100 E, Saint George, UT 84770
36-Month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Youth Certificates 3 Year CD
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36 Month Certificate Account
$500
4.05%
View
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36 Month Share / IRA Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Automatic Renewal

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 6, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
36-month Certificate
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
36 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
3-year CD
$1,500
3.70%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36-month CD Special
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
36 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
36 Month Growth Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 36 Month
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 36 month
$500
3.30%
View
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3 year Saving Certificate
$1,000
3.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
3 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 36 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 36 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 year High Yield CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No fees, commissions or spreads

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

**

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1337 E 170 S, Saint George, UT 84790
48 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
48 Month Share One-Time Bump Certificates of Deposit
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Automatic Renewal to Regular Certificate

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
48 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
48-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 6, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
48-month Certificate
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
48 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
4-year CD
$1,500
3.70%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
48 Month Growth Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
48 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 48 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 48 month
$500
3.40%
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
4 year Saving Certificate
$1,000
3.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 48 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
883 N 3050 E, Saint George, UT 84790 9041
Youth certificate 60-month youth certificate
$0
4.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1337 E 170 S, Saint George, UT 84790
60 MONTH CERTIFICATE
$0
4.00%
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
40 S 100 E, Saint George, UT 84770
60-Month CD
$1,000
3.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60 Month Share One-Time Bump Certificates of Deposit
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Automatic Renewal to Regular Certificate

Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
IRA Certificate 60 Month
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
5 Year Certificate
$1,000
3.96%
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

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

$500 minimum balance

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
60 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
5-year CD
$1,500
3.70%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 6, 2026
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
60 Month Growth Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
60 Month Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 60 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
Fixed Rate CD 60 month
$500
3.50%
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
5 Year CD
$500
3.40%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 MONTH CD
$500
3.34%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5 year CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
IRA CDs 60 Month
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
5 Year Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 6, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 60 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
60 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
5 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 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.

Saint George, UT CD Rate Trends

Compare local Saint George, 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
3.843%
▲ 0.268 vs 7 days ago

Utah 12-month CD rates rose 0.268 points over the past 7 days to 3.843% APY.

6-Month CD — UT Avg
3.785%
▲ 0.014 vs 7 days ago

Utah 6-month CD rates rose 0.014 points over the past 7 days to 3.785% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Saint George, Utah

Are CD rates in Saint George, Utah FDIC insured?

Yes, most established banks in Saint George, 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 Saint George, 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 Saint George, 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 Saint George, 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 Saint George, Utah?

Here are recent top rates found for this area:
  • Mountain America Federal Credit Union: 4.15% APY (Youth certificate 60-month youth certificate)
  • LimeLight Bank: 4.15% APY (6-Month CD)
  • Bank of Utah: 4.06% APY (Certificate of Deposit 3-Month Term)
  • State Bank of Southern Utah: 4.00% APY (60 MONTH CERTIFICATE)
  • Chartway Credit Union: 3.85% APY (3-Month Promo Certificate)
  • P&S Credit Union: 5.00% APY (12 Month Share / IRA Certificate of Deposit-STUDENT Accounts)
  • Desert Rivers Federal Credit Union: 4.20% APY (3 month Super CD)
  • Members First Credit Union: 4.20% APY (Youth Certificates 2 Year CD)
  • Wellspring Federal Credit Union: 4.07% APY (12 Month Certificates)
  • Alpine Credit Union: 4.05% APY (IRA Certificate 60 Month)
Rates reflect recent verified offers available in Saint George, Utah. Last Updated: April 6, 2026

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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Saint George, Utah directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saint George, Utah. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in UT.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 6, 2026

Saint George, Utah Rates & Resources

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