Utah CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in Utah, view interactive rate trend charts, and compare UT APYs against the national average.
Current Utah CD Rate Trends
CD APYs in Utah rose by +0.460 this week, pushing the current 12-Month CD average APY to 3.575%. Savers depositing in UT are now earning more than they would have last week, when the average stood at 3.115%.
At 3.575%, Utah's 12-Month CD APY sits +0.789 above the current national average of 2.786%. This above-average spread may reflect more competitive deposit offerings from local banks and credit unions in UT.
The 6-Month CD APY in Utah currently averages 3.771%, compared to 2.679% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The Utah certificate of deposit rate averages displayed on this page are calculated from 363 verified CD rate quotes collected across 51 banks and credit unions actively operating in Utah. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across Utah. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in UT.
Data reflects average APYs offered by licensed institutions operating in UT. Last Updated: April 2, 2026
Utah CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact APYs for each week.
Utah CD rate averages compiled from 363 current CD rates across 51 banks and credit unions operating in UT — updated daily.
As of Apr 2, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Utah financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical UT cd rate data is free to use for editorial, research, and educational purposes.
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