Draper, Utah Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Current Draper, Utah CD rates include America First Federal Credit UnionAmerica First Federal Credit Union520 E 12300 S, Draper, UT 84020A5.0 ★Texas Ratio: 7.26%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Certificate at 4.30% APY, Jordan Federal Credit UnionJordan Federal Credit Union407 E 12300 S, Draper, UT 84020A+5.0 ★Texas Ratio: 2.87%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month at 4.25% APY, UTAH COMMUNITYUTAH COMMUNITY112 E 12300 S, DRAPER, UT 84020C3.8 ★Texas Ratio: 2.75%Real return: +1.44%APY minus CPI (February 2026) offering 6 Month Add-on at 4.24% APY, Bread FinancialBread Financial12921 S Vista Station Blvd, Draper, UT 84020B4.4 ★Texas Ratio: 22.10%Real return: +1.35%APY minus CPI (February 2026) offering 1-year CD at 4.15% APY, and Cyprus Federal Credit UnionCyprus Federal Credit Union183 E 13800 S, Draper, UT 84020A+5.0 ★Texas Ratio: 2.25%Real return: +1.30%APY minus CPI (February 2026) offering 24 month Certificate (CD) at 4.10% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Draper has 88 local institutions in our database, with CD rates as high as 4.30% APY from America First Federal Credit Union at 520 E 12300 S, Draper, UT 84020. 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: August 28, 2026
Compare Best CD Rates in Draper, Utah & the Surrounding Area
Draper 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
3-month CD
$1,500
3.80%
▲ 1.54% above Utah avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.54% above avgNationally 1.96%
Details
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%
112 E 12300 S, DRAPER, UT 84020
3 Month Add-on
$0
3.65%
▲ 1.39% above Utah avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.39% above avgNationally 1.96%
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
Business 3 Month Add-on
$0
3.65%
▲ 1.39% above Utah avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.39% above avgNationally 1.96%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term
$0
0.60%
▼ 1.66% below Utah avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 1.66% below avgNationally 1.96%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term Standard CDs
$0
0.60%
▼ 1.66% below Utah avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 1.66% below avgNationally 1.96%
Details
Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term Standard CDs Rewards
$0
0.60%
▼ 1.66% below Utah avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 1.66% below avgNationally 1.96%
Details
Regular APY 0.50% Dividend Rate 0.50%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 2.20% below Utah avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.20% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.20% below Utah avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.20% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.21% below Utah avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
3 month Standard Interest Rate
$2,500
0.05%
▼ 2.21% below Utah avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
3 month
$0
4.01%
▲ 1.75% above Utah avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.75% above avgNationally 1.96%
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Month CD
$0
3.96%
▲ 1.70% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.70% above avgNationally 1.96%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.59% above Utah avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.59% above avgNationally 1.96%
Details
Special Offer. balances under $100k
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month
$500
3.85%
▲ 1.59% above Utah avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.59% above avgNationally 1.96%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
3 Month
$0
3.75%
▲ 1.49% above Utah avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.49% above avgNationally 1.96%
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 month Super CD
$0
3.65%
▲ 1.39% above Utah avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.39% above avgNationally 1.96%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 90 Day Fixed Rate
$0
3.50%
▲ 1.24% above Utah avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.24% above avgNationally 1.96%
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
3.50%
▲ 1.24% above Utah avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.24% above avgNationally 1.96%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30%
▲ 1.04% above Utah avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.04% above avgNationally 1.96%
Details
Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
3 Months
$500
3.10%
▲ 0.84% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 0.84% above avgNationally 1.96%
Details
.25% bonus for Star and Senior Accounts!
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.75%
▲ 0.49% above Utah avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 0.49% above avgNationally 1.96%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
3-Month
$0
2.27%
▲ 0.01% above Utah avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 0.01% above avgNationally 1.96%
Details
Dividends: Quarterly
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.25%
▼ 0.01% below Utah avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 0.01% below avgNationally 1.96%
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.00%
▼ 0.26% below Utah avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 0.26% below avgNationally 1.96%
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
3-Month
$0
1.76%
▼ 0.50% below Utah avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 0.50% below avgNationally 1.96%
Details
Dividends: Quarterly
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 MONTH CERTIFICATE
$0
0.20%
▼ 2.06% below Utah avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.06% below avgNationally 1.96%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 months
$0
0.10%
▼ 2.16% below Utah avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.16% below avgNationally 1.96%
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
3-Month CD
$0
0.10%
▼ 2.16% below Utah avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.16% below avgNationally 1.96%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3 Months
$0
0.05%
▼ 2.21% below Utah avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details
Loyalty Rate: 0.05%, Loyalty APY: 0.05%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 3 Months
$0
0.05%
▼ 2.21% below Utah avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 3 Months - Loyalty
$0
0.05%
▼ 2.21% below Utah avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details
Draper 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
6 Month Add-on
$0
4.24%
▲ 1.48% above Utah avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.48% above avgNationally 2.67%
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
6-Month Add-on
$0
4.24%
▲ 1.48% above Utah avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.48% above avgNationally 2.67%
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
Business 6 Month Add-on
$0
4.24%
▲ 1.48% above Utah avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.48% above avgNationally 2.67%
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
183 E 13800 S, Draper, UT 84020
6 month Certificate (CD)
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
407 E 12300 S, Draper, UT 84020
6 Month
$500
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
6-month term
$0
1.35%
▼ 1.41% below Utah avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▼ 1.41% below avgNationally 2.67%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
6-month term Standard CDs
$0
1.35%
▼ 1.41% below Utah avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▼ 1.41% below avgNationally 2.67%
Details
Rewards APY 1.35% Regular APY 1.25% Dividend Rate 1.24%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
6-month term Standard CDs Rewards
$0
1.35%
▼ 1.41% below Utah avg
▼
Rate1.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▼ 1.41% below avgNationally 2.67%
Details
Regular APY 1.25% Dividend Rate 1.24%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
6-month term
$0
1.25%
▼ 1.51% below Utah avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▼ 1.51% below avgNationally 2.67%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.70% below Utah avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▼ 2.70% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.71% below Utah avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▼ 2.71% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.71% below Utah avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▼ 2.71% below avgNationally 2.67%
Details
Relationship Interest Rate 0.05%
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 6 months
$500
4.20%
▲ 1.44% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.44% above avgNationally 2.67%
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6-Month CD
$1,000
4.15%
▲ 1.39% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.39% above avgNationally 2.67%
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Fixed IRA CD
$100
4.10%
▲ 1.34% above Utah avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.34% above avgNationally 2.67%
Details
Annual Percentage Yields (APY) are accurate as of August 19, 2026 and are subject to change. Early withdrawals will have a substantial penalty imposed. Fees may reduce earnings.
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 month
$0
4.04%
▲ 1.28% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.28% above avgNationally 2.67%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month - GoldStar? Membership
$5
4.00%
▲ 1.24% above Utah avg
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.24% above avgNationally 2.67%
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
6 Month CD
$0
3.96%
▲ 1.20% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.20% above avgNationally 2.67%
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
6 Month CD
$0
3.95%
▲ 1.19% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.19% above avgNationally 2.67%
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
6-Month CD
$0
3.95%
▲ 1.19% above Utah avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.19% above avgNationally 2.67%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Certificate
$500
3.95%
▲ 1.19% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.19% above avgNationally 2.67%
Details
Automatic Renewal
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
6 months
$0
3.92%
▲ 1.16% above Utah avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.16% above avgNationally 2.67%
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 6 Months
$1,000
3.91%
▲ 1.15% above Utah avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.15% above avgNationally 2.67%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month
$500
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
6-Month Certificate
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
6 Months
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Loyalty Rate: 3.83%, Loyalty APY: 3.90%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 6 Months
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Loyalty Rate: 3.83%, Loyalty APY: 3.90%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 6 Months
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 6 Months - Loyalty
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 6 Months
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 6 Months - Loyalty
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month
$500
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
6 month Certificate (CD)
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month CD
$0
3.90%
▲ 1.14% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
3.85%
▲ 1.09% above Utah avg
▼
Rate3.78%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.09% above avgNationally 2.67%
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%
▲ 1.09% above Utah avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.09% above avgNationally 2.67%
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
6-Month
$0
3.85%
▲ 1.09% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.09% above avgNationally 2.67%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Certificate
$500
3.85%
▲ 1.09% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.09% above avgNationally 2.67%
Details
Automatic Renewal to Regular Certificate
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
6 Month
$0
3.81%
▲ 1.05% above Utah avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.05% above avgNationally 2.67%
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
6 Month Certificate
$500
3.80%
▲ 1.04% above Utah avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.04% above avgNationally 2.67%
Details
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
6-Month
$0
3.80%
▲ 1.04% above Utah avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.04% above avgNationally 2.67%
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 MONTH CERTIFICATE
$0
3.79%
▲ 1.03% above Utah avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.03% above avgNationally 2.67%
Details
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 Months
$0
3.75%
▲ 0.99% above Utah avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.99% above avgNationally 2.67%
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
6 month CD
$0
3.75%
▲ 0.99% above Utah avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.99% above avgNationally 2.67%
Details
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
6 mos
$0
3.75%
▲ 0.99% above Utah avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.99% above avgNationally 2.67%
Details
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
6 Month Certificate
$0
3.65%
▲ 0.89% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.89% above avgNationally 2.67%
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month CD
$0
3.60%
▲ 0.84% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.84% above avgNationally 2.67%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60%
▲ 0.84% above Utah avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.84% above avgNationally 2.67%
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
6 Month Certificate
$1,000
3.60%
▲ 0.84% above Utah avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.84% above avgNationally 2.67%
Details
Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
6 Month Certificate
$0
3.56%
▲ 0.80% above Utah avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.80% above avgNationally 2.67%
Details
Draper 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
1-year CD
$1,500
4.15%
▲ 1.26% above Utah avg
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.26% above avgNationally 2.83%
Details
At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
183 E 13800 S, Draper, UT 84020
12 month Certificate (CD)
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
407 E 12300 S, Draper, UT 84020
12 Month
$500
3.95%
▲ 1.06% above Utah avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
12 Month Add-on
$0
3.70%
▲ 0.81% above Utah avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.81% above avgNationally 2.83%
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
Business 12 Month Add-on
$0
3.70%
▲ 0.81% above Utah avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.81% above avgNationally 2.83%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
1 year Standard Fixed Rate CD
$2,500
1.51%
▼ 1.38% below Utah avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.38% below avgNationally 2.83%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.38% below Utah avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.38% below avgNationally 2.83%
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.39% below Utah avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.39% below avgNationally 2.83%
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
322 E 12300 S, Draper, UT 84020
1 year Standard Interest Rate
$2,500
1.50%
▼ 1.39% below Utah avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.39% below avgNationally 2.83%
Details
Relationship Interest Rate 1.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
12-month term
$0
1.40%
▼ 1.49% below Utah avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.49% below avgNationally 2.83%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
12-month term Standard CDs
$0
1.40%
▼ 1.49% below Utah avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.49% below avgNationally 2.83%
Details
Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
12-month term Standard CDs Rewards
$0
1.40%
▼ 1.49% below Utah avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.49% below avgNationally 2.83%
Details
Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
12-month term Standard IRA CDs
$0
1.40%
▼ 1.49% below Utah avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.49% below avgNationally 2.83%
Details
Rewards APY 1.40% Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
12-month term Standard IRA CDs Rewards
$0
1.40%
▼ 1.49% below Utah avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.49% below avgNationally 2.83%
Details
Regular APY 1.30% Dividend Rate 1.29%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Standard IRA CDs 12-month term
$0
1.40%
▼ 1.49% below Utah avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.49% below avgNationally 2.83%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
12-month term
$0
1.30%
▼ 1.59% below Utah avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▼ 1.59% below avgNationally 2.83%
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
12-Month
$500
4.50%
▲ 1.61% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.61% above avgNationally 2.83%
Details
Rates are as of August 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Savers 12-Month
$0
4.50%
▲ 1.61% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.61% above avgNationally 2.83%
Details
Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Rates are as of August 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
12-Month CD
$1,000
4.20%
▲ 1.31% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.31% above avgNationally 2.83%
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12 month
$0
4.15%
▲ 1.26% above Utah avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.26% above avgNationally 2.83%
Details
Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
12 months
$0
4.15%
▲ 1.26% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.26% above avgNationally 2.83%
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
1 Year CD
$0
4.10%
▲ 1.21% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.21% above avgNationally 2.83%
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
12 Month
$0
4.07%
▲ 1.18% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.18% above avgNationally 2.83%
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12 MONTH - ADD ON CERTIFICATE
$0
4.06%
▲ 1.17% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.17% above avgNationally 2.83%
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1 Year Youth
$250
4.06%
▲ 1.17% above Utah avg
▼
Rate3.98%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.17% above avgNationally 2.83%
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
12 Month CD
$1,000
4.05%
▲ 1.16% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.16% above avgNationally 2.83%
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
1 Year CD
$0
4.01%
▲ 1.12% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.12% above avgNationally 2.83%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month - GoldStar? Membership
$5
4.00%
▲ 1.11% above Utah avg
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.11% above avgNationally 2.83%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Month Certificate
$0
4.00%
▲ 1.11% above Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.11% above avgNationally 2.83%
Details
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Business <12 Months
$0
4.00%
▲ 1.11% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.11% above avgNationally 2.83%
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
1 year CD
$0
4.00%
▲ 1.11% above Utah avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.11% above avgNationally 2.83%
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
12 Month CD
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
12 Months
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Loyalty Rate: 3.87%, Loyalty APY: 3.95%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 12 Months
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Loyalty Rate: 3.87%, Loyalty APY: 3.95%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 12 Months
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 12 Months - Loyalty
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 12 Months
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 12 Months - Loyalty
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
12 month Certificate (CD)
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month CD
$0
3.95%
▲ 1.06% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1 Year Certificate
$0
3.91%
▲ 1.02% above Utah avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.02% above avgNationally 2.83%
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 12 Months
$1,000
3.91%
▲ 1.02% above Utah avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.02% above avgNationally 2.83%
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$10,000
3.90%
▲ 1.01% above Utah avg
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
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%
▲ 1.01% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12-Month
$0
3.90%
▲ 1.01% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month
$500
3.90%
▲ 1.01% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
12-Month Certificate
$0
3.90%
▲ 1.01% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month
$500
3.90%
▲ 1.01% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
12 Month Certificate
$500
3.90%
▲ 1.01% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details
Automatic Renewal
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89%
▲ 1.00% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.00% above avgNationally 2.83%
Details
Draper 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
183 E 13800 S, Draper, UT 84020
18 month Certificate (CD)
$0
4.00%
▲ 0.11% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.11% above avgNationally 2.67%
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
407 E 12300 S, Draper, UT 84020
18 Month
$500
3.95%
▲ 0.06% above Utah avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.06% above avgNationally 2.67%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
18-month term
$0
3.45%
▼ 0.44% below Utah avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
18-month term CD Specials
$0
3.45%
▼ 0.44% below Utah avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
18-month term CD Specials Rewards
$0
3.45%
▼ 0.44% below Utah avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
18-month term IRA CD Specials
$0
3.45%
▼ 0.44% below Utah avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
18-month term IRA CD Specials Rewards
$0
3.45%
▼ 0.44% below Utah avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details
Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
IRA CD Specials - 18-month term
$0
3.45%
▼ 0.44% below Utah avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18 month
$0
4.25%
▲ 0.36% above Utah avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.36% above avgNationally 2.67%
Details
Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
18 months
$0
4.25%
▲ 0.36% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.36% above avgNationally 2.67%
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Fixed IRA CD
$100
4.20%
▲ 0.31% above Utah avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.31% above avgNationally 2.67%
Details
Annual Percentage Yields (APY) are accurate as of August 19, 2026 and are subject to change. Early withdrawals will have a substantial penalty imposed. Fees may reduce earnings.
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18-Month CD
$1,000
4.10%
▲ 0.21% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.21% above avgNationally 2.67%
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
18 Month CD
$1,000
4.10%
▲ 0.21% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.21% above avgNationally 2.67%
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 MONTH CERTIFICATE
$0
4.06%
▲ 0.17% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.17% above avgNationally 2.67%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month - GoldStar? Membership
$5
4.00%
▲ 0.11% above Utah avg
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.11% above avgNationally 2.67%
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 month Certificate (CD)
$0
4.00%
▲ 0.11% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.11% above avgNationally 2.67%
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
18 Month CD
$0
3.95%
▲ 0.06% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.06% above avgNationally 2.67%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
18 Month
$0
3.95%
▲ 0.06% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.06% above avgNationally 2.67%
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$10,000
3.90%
▲ 0.01% above Utah avg
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
3.90%
▲ 0.01% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
18-Month
$0
3.90%
▲ 0.01% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month
$500
3.90%
▲ 0.01% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
18-Month Certificate
$0
3.90%
▲ 0.01% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details
w/bump
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.90%
▲ 0.01% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 Month
$500
3.90%
▲ 0.01% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month Certificate
$500
3.90%
▲ 0.01% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details
Automatic Renewal to Regular Certificate
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.85%
▼ 0.04% below Utah avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.04% below avgNationally 2.67%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.85%
▼ 0.04% below Utah avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.04% below avgNationally 2.67%
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 18 Months
$1,000
3.83%
▼ 0.06% below Utah avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.06% below avgNationally 2.67%
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.80%
▼ 0.09% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.09% below avgNationally 2.67%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month Certificate
$500
3.80%
▼ 0.09% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.09% below avgNationally 2.67%
Details
Automatic Renewal
Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Months Certificate
$0
3.77%
▼ 0.12% below Utah avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.12% below avgNationally 2.67%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.75%
▼ 0.14% below Utah avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
18 Month Certificate
$0
3.75%
▼ 0.14% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
18 MO IRA CERTIFICAT
$500
3.75%
▼ 0.14% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
18 MO YOUTH CERTIFIC
$50
3.75%
▼ 0.14% below Utah avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
18 MONTH CERTIFICATE
$500
3.75%
▼ 0.14% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
18 Month Variable
$0
3.72%
▼ 0.17% below Utah avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.17% below avgNationally 2.67%
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
18 Month
$0
3.56%
▼ 0.33% below Utah avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.33% below avgNationally 2.67%
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 18 months
$500
3.50%
▼ 0.39% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.39% below avgNationally 2.67%
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
18 mos
$0
3.50%
▼ 0.39% below Utah avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.39% below avgNationally 2.67%
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
18 Month Certificate
$500
3.44%
▼ 0.45% below Utah avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.45% below avgNationally 2.67%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 18 Month Fixed Rate
$0
3.25%
▼ 0.64% below Utah avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.64% below avgNationally 2.67%
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month Certificate
$0
2.52%
▼ 1.37% below Utah avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 1.37% below avgNationally 2.67%
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
18 Months Share Certificate
$0
1.60%
▼ 2.29% below Utah avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 2.29% below avgNationally 2.67%
Details
Draper 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
183 E 13800 S, Draper, UT 84020
24 month Certificate (CD)
$0
4.10%
▲ 0.15% above Utah avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.72%
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
407 E 12300 S, Draper, UT 84020
24 Month
$500
4.00%
▲ 0.05% above Utah avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.05% above avgNationally 2.72%
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
407 E 12300 S, Draper, UT 84020
24-month certificate
$0
4.00%
▲ 0.05% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.05% above avgNationally 2.72%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
24-month term
$0
2.60%
▼ 1.35% below Utah avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 1.35% below avgNationally 2.72%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
24-month term Standard CDs
$0
2.60%
▼ 1.35% below Utah avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 1.35% below avgNationally 2.72%
Details
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
24-month term Standard CDs Rewards
$0
2.60%
▼ 1.35% below Utah avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 1.35% below avgNationally 2.72%
Details
Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
24-month term Standard IRA CDs
$0
2.60%
▼ 1.35% below Utah avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 1.35% below avgNationally 2.72%
Details
Rewards APY 2.60% Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
24-month term Standard IRA CDs Rewards
$0
2.60%
▼ 1.35% below Utah avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 1.35% below avgNationally 2.72%
Details
Regular APY 2.34% Dividend Rate 2.32%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Standard IRA CDs 24-month term
$0
2.60%
▼ 1.35% below Utah avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 1.35% below avgNationally 2.72%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
24-month term
$0
2.34%
▼ 1.61% below Utah avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 1.61% below avgNationally 2.72%
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 2 years
$500
4.40%
▲ 0.45% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.45% above avgNationally 2.72%
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24 month
$0
4.35%
▲ 0.40% above Utah avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.40% above avgNationally 2.72%
Details
Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
24 months
$0
4.25%
▲ 0.30% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.30% above avgNationally 2.72%
Details
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
24-Month
$500
4.25%
▲ 0.30% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.30% above avgNationally 2.72%
Details
Rates are as of August 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 MONTH CERTIFICATE
$0
4.20%
▲ 0.25% above Utah avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.25% above avgNationally 2.72%
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
2 year CD
$0
4.20%
▲ 0.25% above Utah avg
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.25% above avgNationally 2.72%
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2 Year CD
$0
4.20%
▲ 0.25% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.25% above avgNationally 2.72%
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
24 Month CD
$1,000
4.15%
▲ 0.20% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.20% above avgNationally 2.72%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
24 Months
$0
4.10%
▲ 0.15% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.72%
Details
Loyalty Rate: 4.02%, Loyalty APY: 4.10%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 24 Months
$0
4.10%
▲ 0.15% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.72%
Details
Loyalty Rate: 4.02%, Loyalty APY: 4.10%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 24 Months
$0
4.10%
▲ 0.15% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.72%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 24 Months - Loyalty
$0
4.10%
▲ 0.15% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.72%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 24 Months
$0
4.10%
▲ 0.15% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.72%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 24 Months - Loyalty
$0
4.10%
▲ 0.15% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.72%
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
24 month Certificate (CD)
$0
4.10%
▲ 0.15% above Utah avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.72%
Details
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
24-Month CD
$1,000
4.05%
▲ 0.10% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.10% above avgNationally 2.72%
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
24 Month CD
$0
4.05%
▲ 0.10% above Utah avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.10% above avgNationally 2.72%
Details
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
24-Month Certificate
$0
4.05%
▲ 0.10% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.10% above avgNationally 2.72%
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
24 Month CD
$0
4.05%
▲ 0.10% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.10% above avgNationally 2.72%
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2 Year Certificate
$1,000
4.01%
▲ 0.06% above Utah avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.06% above avgNationally 2.72%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month - GoldStar? Membership
$5
4.00%
▲ 0.05% above Utah avg
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.05% above avgNationally 2.72%
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 24 Months
$1,000
3.99%
▲ 0.04% above Utah avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.04% above avgNationally 2.72%
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
24-Month
$0
3.95%
At Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.72%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
24 Month
$0
3.95%
At Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.72%
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
24 Month
$500
3.95%
At Utah avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.72%
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
2 1/2-Year CD
$0
3.95%
At Utah avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.72%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Certificate
$500
3.95%
At Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.72%
Details
Automatic Renewal to Regular Certificate
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month
$500
3.90%
▼ 0.05% below Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.05% below avgNationally 2.72%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90%
▼ 0.05% below Utah avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.05% below avgNationally 2.72%
Details
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
24-Month
$0
3.90%
▼ 0.05% below Utah avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.05% below avgNationally 2.72%
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
2 Years
$500
3.85%
▼ 0.10% below Utah avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.72%
Details
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
24 Month Certificate
$0
3.85%
▼ 0.10% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.72%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
24 MO IRA CERTIFICAT
$500
3.85%
▼ 0.10% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.72%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
24 MO YOUTH CERTIFIC
$50
3.85%
▼ 0.10% below Utah avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.72%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
24 MONTH CERTIFICATE
$500
3.85%
▼ 0.10% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.72%
Details
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
24 months
$0
3.81%
▼ 0.14% below Utah avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.14% below avgNationally 2.72%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75%
▼ 0.20% below Utah avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.20% below avgNationally 2.72%
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1 1/2 Year-CD
$0
3.75%
▼ 0.20% below Utah avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.20% below avgNationally 2.72%
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month CD
$0
3.65%
▼ 0.30% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.30% below avgNationally 2.72%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 Month Certificate
$0
3.60%
▼ 0.35% below Utah avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.35% below avgNationally 2.72%
Details
Draper 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
407 E 12300 S, Draper, UT 84020
36 Month
$500
4.25%
▲ 0.26% above Utah avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.26% above avgNationally 2.66%
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
183 E 13800 S, Draper, UT 84020
36 month Certificate (CD)
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
36-month term
$0
2.75%
▼ 1.24% below Utah avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 1.24% below avgNationally 2.66%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
36-month term Standard CDs
$0
2.75%
▼ 1.24% below Utah avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 1.24% below avgNationally 2.66%
Details
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
36-month term Standard CDs Rewards
$0
2.75%
▼ 1.24% below Utah avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 1.24% below avgNationally 2.66%
Details
Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
36-month term Standard IRA CDs
$0
2.75%
▼ 1.24% below Utah avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 1.24% below avgNationally 2.66%
Details
Rewards APY 2.75% Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
36-month term Standard IRA CDs Rewards
$0
2.75%
▼ 1.24% below Utah avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 1.24% below avgNationally 2.66%
Details
Regular APY 2.49% Dividend Rate 2.47%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Standard IRA CDs 36-month term
$0
2.75%
▼ 1.24% below Utah avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 1.24% below avgNationally 2.66%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
36-month term
$0
2.49%
▼ 1.50% below Utah avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 1.50% below avgNationally 2.66%
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36 month
$0
4.40%
▲ 0.41% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.41% above avgNationally 2.66%
Details
Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
36 months
$0
4.35%
▲ 0.36% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.36% above avgNationally 2.66%
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
36 Month CD
$1,000
4.20%
▲ 0.21% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.21% above avgNationally 2.66%
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3 Year CD
$0
4.15%
▲ 0.16% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.16% above avgNationally 2.66%
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
36 Month CD
$0
4.05%
▲ 0.06% above Utah avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.06% above avgNationally 2.66%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month - GoldStar? Membership
$5
4.00%
▲ 0.01% above Utah avg
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
36 Months
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Loyalty Rate: 3.92%, Loyalty APY: 4.00%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 36 Months
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Loyalty Rate: 3.92%, Loyalty APY: 4.00%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 36 Months
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 36 Months - Loyalty
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 36 Months
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 36 Months - Loyalty
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 year CD
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 month Certificate (CD)
$0
4.00%
▲ 0.01% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 36 Months
$1,000
3.99%
At Utah avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%At the averageNationally 2.66%
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
36-Month
$0
3.95%
▼ 0.04% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
36 Month
$0
3.95%
▼ 0.04% below Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MO IRA CERTIFICAT
$50,000
3.95%
▼ 0.04% below Utah avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MONTH CERTIFICATE
$50,000
3.95%
▼ 0.04% below Utah avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
36 Month
$500
3.95%
▼ 0.04% below Utah avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month
$500
3.90%
▼ 0.09% below Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.09% below avgNationally 2.66%
Details
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
3-Year
$0
3.90%
▼ 0.09% below Utah avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.09% below avgNationally 2.66%
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Years
$500
3.86%
▼ 0.13% below Utah avg
▼
Rate3.79%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.13% below avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86%
▼ 0.13% below Utah avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.13% below avgNationally 2.66%
Details
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
36 Month Certificate
$0
3.85%
▼ 0.14% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.14% below avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MO IRA CERTIFICAT
$500
3.85%
▼ 0.14% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.14% below avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MO YOUTH CERTIFIC
$50
3.85%
▼ 0.14% below Utah avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.14% below avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MONTH CERTIFICATE
$500
3.85%
▼ 0.14% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.14% below avgNationally 2.66%
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
36 MONTH CERTIFICATE
$0
3.80%
▼ 0.19% below Utah avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.19% below avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71%
▼ 0.28% below Utah avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.28% below avgNationally 2.66%
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month CD
$0
3.70%
▼ 0.29% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.29% below avgNationally 2.66%
Details
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
36-Month CD
$1,000
3.65%
▼ 0.34% below Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.34% below avgNationally 2.66%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month Certificate
$0
3.60%
▼ 0.39% below Utah avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.39% below avgNationally 2.66%
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
36 Month
$0
3.56%
▼ 0.43% below Utah avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.43% below avgNationally 2.66%
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
36 Month Certificate
$500
3.55%
▼ 0.44% below Utah avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.44% below avgNationally 2.66%
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3 Year Certificate
$1,000
3.55%
▼ 0.44% below Utah avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.44% below avgNationally 2.66%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month Certificate
$0
3.50%
▼ 0.49% below Utah avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.49% below avgNationally 2.66%
Details
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 3 years
$500
3.45%
▼ 0.54% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.54% below avgNationally 2.66%
Details
Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Months
$0
3.36%
▼ 0.63% below Utah avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.63% below avgNationally 2.66%
Details
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Months
$0
3.32%
▼ 0.67% below Utah avg
▼
Rate3.27%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.67% below avgNationally 2.66%
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36 month
$500
3.30%
▼ 0.69% below Utah avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.69% below avgNationally 2.66%
Details
Draper 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
183 E 13800 S, Draper, UT 84020
48 month Certificate (CD)
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
407 E 12300 S, Draper, UT 84020
48 Month
$500
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term
$0
2.90%
▼ 1.13% below Utah avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.66%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term Standard CDs
$0
2.90%
▼ 1.13% below Utah avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.66%
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term Standard CDs Rewards
$0
2.90%
▼ 1.13% below Utah avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.66%
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term Standard IRA CDs
$0
2.90%
▼ 1.13% below Utah avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.66%
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term Standard IRA CDs Rewards
$0
2.90%
▼ 1.13% below Utah avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.66%
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Standard IRA CDs 48-month term
$0
2.90%
▼ 1.13% below Utah avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.66%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term
$0
2.64%
▼ 1.39% below Utah avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.39% below avgNationally 2.66%
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48 month
$0
4.45%
▲ 0.42% above Utah avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.42% above avgNationally 2.66%
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
48 Month CD
$1,000
4.20%
▲ 0.17% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.17% above avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
48 MO IRA CERTIFICAT
$50,000
4.10%
▲ 0.07% above Utah avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.07% above avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
48 MONTH CERTIFICATE
$50,000
4.10%
▲ 0.07% above Utah avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.07% above avgNationally 2.66%
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
48 Month CD
$0
4.05%
▲ 0.02% above Utah avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.66%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
48 Month Certificate
$500
4.05%
▲ 0.02% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.66%
Details
Automatic Renewal to Regular Certificate
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month - GoldStar? Membership
$5
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
48 Months
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Loyalty Rate: 3.92%, Loyalty APY: 4.00%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 48 Months
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Loyalty Rate: 3.92%, Loyalty APY: 4.00%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 48 Months
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 48 Months - Loyalty
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 48 Months
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 48 Months - Loyalty
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
48 MO IRA CERTIFICAT
$500
4.00%
▼ 0.03% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 month Certificate (CD)
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.66%
Details
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
48-Month
$0
3.95%
▼ 0.08% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.66%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
48 Month
$0
3.95%
▼ 0.08% below Utah avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.66%
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 Month
$500
3.95%
▼ 0.08% below Utah avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.66%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
48 Month Certificate
$500
3.95%
▼ 0.08% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.66%
Details
Automatic Renewal
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month
$500
3.90%
▼ 0.13% below Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.13% below avgNationally 2.66%
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years
$500
3.90%
▼ 0.13% below Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.13% below avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86%
▼ 0.17% below Utah avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.17% below avgNationally 2.66%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
48 MO YOUTH CERTIFIC
$50
3.85%
▼ 0.18% below Utah avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.18% below avgNationally 2.66%
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4 Year Certificate
$1,000
3.80%
▼ 0.23% below Utah avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.23% below avgNationally 2.66%
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
48 MONTH CERTIFICATE
$0
3.80%
▼ 0.23% below Utah avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.23% below avgNationally 2.66%
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month CD
$0
3.75%
▼ 0.28% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.28% below avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71%
▼ 0.32% below Utah avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.32% below avgNationally 2.66%
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
48 Month Certificate
$500
3.65%
▼ 0.38% below Utah avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.38% below avgNationally 2.66%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Month Certificate
$0
3.60%
▼ 0.43% below Utah avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.43% below avgNationally 2.66%
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
48 Month
$0
3.56%
▼ 0.47% below Utah avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.47% below avgNationally 2.66%
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Month Certificate
$0
3.50%
▼ 0.53% below Utah avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.53% below avgNationally 2.66%
Details
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.46%
▼ 0.57% below Utah avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.57% below avgNationally 2.66%
Details
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.41%
▼ 0.62% below Utah avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.62% below avgNationally 2.66%
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48 month
$500
3.40%
▼ 0.63% below Utah avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.63% below avgNationally 2.66%
Details
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.36%
▼ 0.67% below Utah avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.67% below avgNationally 2.66%
Details
Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
48 Months
$500
3.10%
▼ 0.93% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.93% below avgNationally 2.66%
Details
.25% bonus for Star and Senior Accounts!
Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4 Year Certificate
$0
3.04%
▼ 0.99% below Utah avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.99% below avgNationally 2.66%
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$10,000
3.00%
▼ 1.03% below Utah avg
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.03% below avgNationally 2.66%
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%
▼ 1.03% below Utah avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.03% below avgNationally 2.66%
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificate
$0
2.68%
▼ 1.35% below Utah avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.35% below avgNationally 2.66%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 48 Month Fixed Rate
$0
2.50%
▼ 1.53% below Utah avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.53% below avgNationally 2.66%
Details
Draper 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
520 E 12300 S, Draper, UT 84020
60 Months Certificate
$500
4.30%
▲ 0.27% above Utah avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.27% above avgNationally 2.76%
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
520 E 12300 S, Draper, UT 84020
60 Months
$500
4.15%
▲ 0.12% above Utah avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.12% above avgNationally 2.76%
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
407 E 12300 S, Draper, UT 84020
60 Month
$500
4.05%
▲ 0.02% above Utah avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
183 E 13800 S, Draper, UT 84020
60 month Certificate (CD)
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
60 Months
$500
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
60 Months Jump Up
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
112 E 12300 S, DRAPER, UT 84020
Business 60 Months Jump Up
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
60-month term
$0
3.10%
▼ 0.93% below Utah avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.93% below avgNationally 2.76%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
60-month term Standard CDs
$0
3.10%
▼ 0.93% below Utah avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.93% below avgNationally 2.76%
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
60-month term Standard CDs Rewards
$0
3.10%
▼ 0.93% below Utah avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.93% below avgNationally 2.76%
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
60-month term Standard IRA CDs
$0
3.10%
▼ 0.93% below Utah avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.93% below avgNationally 2.76%
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
60-month term Standard IRA CDs Rewards
$0
3.10%
▼ 0.93% below Utah avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.93% below avgNationally 2.76%
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
Standard IRA CDs 60-month term
$0
3.10%
▼ 0.93% below Utah avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.93% below avgNationally 2.76%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
60-month term
$0
2.84%
▼ 1.19% below Utah avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.19% below avgNationally 2.76%
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60 month
$0
4.45%
▲ 0.42% above Utah avg
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.42% above avgNationally 2.76%
Details
Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
60 months
$0
4.35%
▲ 0.32% above Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.32% above avgNationally 2.76%
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
60 Month CD
$1,000
4.20%
▲ 0.17% above Utah avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.17% above avgNationally 2.76%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MO IRA CERTIFICAT
$50,000
4.15%
▲ 0.12% above Utah avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.12% above avgNationally 2.76%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MONTH CERTIFICATE
$50,000
4.15%
▲ 0.12% above Utah avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.12% above avgNationally 2.76%
Details
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
60 Month CD
$0
4.10%
▲ 0.07% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.07% above avgNationally 2.76%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60 Month Certificate
$500
4.10%
▲ 0.07% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.07% above avgNationally 2.76%
Details
Automatic Renewal to Regular Certificate
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
60 MONTH CERTIFICATE
$0
4.06%
▲ 0.03% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.03% above avgNationally 2.76%
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
5 Year Certificate
$1,000
4.06%
▲ 0.03% above Utah avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.03% above avgNationally 2.76%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
60 Months
$0
4.05%
▲ 0.02% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Loyalty Rate: 3.97%, Loyalty APY: 4.05%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 60 Months
$0
4.05%
▲ 0.02% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Loyalty Rate: 3.97%, Loyalty APY: 4.05%
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 60 Months
$0
4.05%
▲ 0.02% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 60 Months - Loyalty
$0
4.05%
▲ 0.02% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 60 Months
$0
4.05%
▲ 0.02% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 60 Months - Loyalty
$0
4.05%
▲ 0.02% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MO IRA CERTIFICAT
$500
4.05%
▲ 0.02% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MONTH CERTIFICATE
$500
4.05%
▲ 0.02% above Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
5 year CD
$0
4.05%
▲ 0.02% above Utah avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
Rate is 0.100% APY lower for non-GoldStar? members
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month - GoldStar? Membership
$5
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years
$500
4.00%
▼ 0.03% below Utah avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
60 Month
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
5-Year Jump
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
60 month Certificate (CD)
$0
4.00%
▼ 0.03% below Utah avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 60 Months
$1,000
3.99%
▼ 0.04% below Utah avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.04% below avgNationally 2.76%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97%
▼ 0.06% below Utah avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.06% below avgNationally 2.76%
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
5 Year Step-Up CD
$1,000
3.96%
▼ 0.07% below Utah avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.07% below avgNationally 2.76%
Details
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
60 Month Certificate
$0
3.95%
▼ 0.08% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.76%
Details
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
60 Month
$500
3.95%
▼ 0.08% below Utah avg
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.76%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month Certificate
$0
3.90%
▼ 0.13% below Utah avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.13% below avgNationally 2.76%
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month
$500
3.90%
▼ 0.13% below Utah avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.13% below avgNationally 2.76%
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MO YOUTH CERTIFIC
$50
3.85%
▼ 0.18% below Utah avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.18% below avgNationally 2.76%
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60 Month Certificate
$500
3.85%
▼ 0.18% below Utah avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.18% below avgNationally 2.76%
Details
Automatic Renewal
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81%
▼ 0.22% below Utah avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.22% below avgNationally 2.76%
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month CD
$0
3.75%
▼ 0.28% below Utah avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.28% below avgNationally 2.76%
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
60 Month Certificate
$500
3.65%
▼ 0.38% below Utah avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.38% below avgNationally 2.76%
Details
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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.
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Draper, UT CD Rate Trends
Compare local Draper, 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.
12-Month CD — UT Avg
2.891%
▼ 0.895 vs 7 days ago
Utah 12-month CD rates fell 0.895 points over the past 7 days to 2.891% APY.
6-Month CD — UT Avg
2.760%
▼ 1.141 vs 7 days ago
Utah 6-month CD rates fell 1.141 points over the past 7 days to 2.760% APY.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
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UT CD Rate Forecast — Next 12 Months
Where are Utah CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
UT 12-Month Avg APY
2.891%
6-Month Forecast
2.891%
Range: 2.69% – 3.04%
12-Month Forecast
2.641%
Range: 2.44% – 2.79%
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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 | 2.264% | $113.22 | $226.43 | $566.08 | $1,132.15 |
| 6-Month CD | 2.760% | $138.00 | $275.99 | $689.97 | $1,379.95 |
| 12-Month CD | 2.891% | $144.54 | $289.08 | $722.70 | $1,445.40 |
| 18-Month CD | 3.889% | $194.44 | $388.87 | $972.18 | $1,944.35 |
| 24-Month CD | 3.952% | $197.62 | $395.24 | $988.10 | $1,976.20 |
| 36-Month CD | 3.986% | $199.30 | $398.59 | $996.47 | $1,992.95 |
| 48-Month CD | 4.027% | $201.35 | $402.70 | $1,006.75 | $2,013.50 |
| 60-Month CD | 4.030% | $201.51 | $403.01 | $1,007.53 | $2,015.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Draper, 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.
| Rung | Term | Deposit | UT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.264% | $113.22 |
| 2 | 6-Month CD | $5,000 | 2.760% | $138.00 |
| 3 | 12-Month CD | $5,000 | 2.891% | $144.54 |
| 4 | 24-Month CD | $5,000 | 3.952% | $197.62 |
| 5 | 36-Month CD | $5,000 | 3.986% | $199.30 |
| Total ($25,000 invested) | $25,000 | 3.171% blended | $792.68/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.
391
CD Rates
Tracked in Draper, Utah
Tracked in Draper, Utah
20 Banks
34 Credit Unions
About Our Draper, Utah CD Rate Database
MonitorBankRates tracks 391 CD rates from 20 banks and 34 credit unions with locations in Draper, Utah, plus national online institutions available to Utah residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: America First Federal Credit Union offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Draper, Utah.
How to Find the Best CD Rates in Draper, Utah
What to compare when shopping for a CD in Draper, Utah
To find the best APYs in Draper, Utah, start with credit unions and online-only banks — Draper, Utah has 34 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 Draper, 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 Draper, Utah — 54 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Draper, Utah savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Draper, Utah money market rates
Draper, Utah Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
10.0%
National avg: 17.3%
Median Individual Earnings
$55,377
National avg: $47,340
Poverty Rate
6.1%
National avg: 11.1%
Unemployment Rate
2.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$160/yr
At UT 12-mo avg 2.891% APY
10.0% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.4% reflects a strong local economy. At today’s UT 12-month CD average of 2.891%, saving 10% of the local median salary ($5,537/year) and putting it in a CD would earn an additional $160 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 Draper, 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 Draper, 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 Draper, 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 Draper, Utah as everywhere in the U.S.
Choosing a CD Term in Draper, 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 Draper, Utah savers easier access to their funds. For example, UTAH COMMUNITY is offering its 6 Month Add-on at 4.24% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Months Certificate at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Draper, 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 Draper, 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 Draper, 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 Draper, 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 Draper, Utah
Most CDs carry a fixed rate that is locked for the entire term, protecting a Draper, 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 Draper, Utah
Are CD rates in Draper, Utah FDIC insured?
Yes, most established banks in Draper, 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 Draper, 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 Draper, 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 Draper, 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 Draper, Utah?
Here are recent top rates found for this area:
- America First Federal Credit Union: 4.30% APY (60 Months Certificate)
- Jordan Federal Credit Union: 4.25% APY (36 Month)
- UTAH COMMUNITY: 4.24% APY (6 Month Add-on)
- Bread Financial: 4.15% APY (1-year CD)
- Cyprus Federal Credit Union: 4.10% APY (24 month Certificate (CD))
- Baxter Credit Union: 3.45% APY (18-month term)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Utah Power Credit Union: 4.50% APY (12-Month)
- Morgan Stanley: 4.45% APY (48 month)
- Happen Bank: 4.40% APY (Consumer Certificate of Deposit - 2 years)
Rates reflect recent verified offers available in Draper, Utah. Last Updated: August 28, 2026
Draper, Utah CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Draper, Utah rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Draper, Utah
Draper, Utah CD Calculator
At today’s UT top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Draper, Utah CD LadderUT CD rates currently range from 2.264% (3-month) to 3.986% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Draper, Utah CD at 4.30% 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 SavingsUtah’s average 12-month CD is 2.891% 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 Draper, 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 Draper, 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 Draper, 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: August 28, 2026
Draper, Utah Rates & Resources
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