CD Rates Echo, Utah (UT) for March 2026
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Brian McKay
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Brian McKay
Brian McKay
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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 Echo, Utah CD rates include P&S Credit UnionP&S Credit Union2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356A+5.0 ★Texas Ratio: 0.13% offering 12 Month Share / IRA Certificate of Deposit-STUDENT Accounts at 5.00% APY, Utah Power Credit UnionUtah Power Credit Union1407 W North Temple Ste 120C, Salt Lake City, UT 84116A+5.0 ★Texas Ratio: 1.01% offering 12-Month Certificate of Deposits at 4.50% APY, American United Federal Credit UnionAmerican United Federal Credit Union500 Foothill Dr, Salt Lake City, UT 84148 0001A5.0 ★Texas Ratio: 7.60% offering 12-month GoldStar? Membership Certificate at 4.25% APY, Members First Credit UnionMembers First Credit Union120 E 1000 S, Brigham City, UT 84302 4357A+5.0 ★Texas Ratio: 0.58% offering Youth Certificates 2 Year CD at 4.20% APY, and Desert Rivers Federal Credit UnionDesert Rivers Federal Credit Union725 N Main St, Moab, UT 84532 2132A5.0 ★Texas Ratio: 9.83% offering 3 month Super CD at 4.20% APY. CD rates as of March 25, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Echo, Utah, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 25, 2026
Compare Best CD Rates in Echo, Utah & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
3 month Super CD
$0
4.20%
▼
Rate4.13%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
***
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT 84401
Certificate of Deposit 3-Month Term
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
475 N 300 W, Kaysville, UT 84037
3 Month Certificate of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
3-Month Promo Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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%
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMar 25, 2026
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
3 Month CD
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
**
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.54%
200 W Civic Center Dr, Sandy, UT 84070
High Yield CD 3 mo
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
on all balance tiers
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
55 S State St, Salina, UT 84654
3 MONTH CD
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
3 MONTH CERTIFICATE
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
12 W State St, Farmington, UT 84025
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
6-Month CD
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
6-month Certificate
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
201 S Main St Fl 5, Salt Lake City, UT 84111
Preferred Certificate of Deposit (CD) 6-month
$1,000
4.04%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
6 Month Share / IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Automatic Renewal
FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.21%
756 E Winchester St, Murray, UT 84107
6-Month Certificate of Deposit
$500
3.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
6 Month CD
$10,000
3.90%
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
6-Month Promo Certificate
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
6 Month Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
6 Month Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
6 MONTH CERTIFICATE
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
6 Month CD
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
**
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
55 S State St, Salina, UT 84654
6 MONTH CD
$500
3.75%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
6 month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1675 N 200 W, Provo, UT 84604
6 Month Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT 84116
6 Month Certificate of Deposit Accounts
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
475 N 300 W, Kaysville, UT 84037
6 Month Certificate of Deposit
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
6 month Saving Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificates of Deposit 6 Month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Certificates of Deposits 6 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.54%
200 W Civic Center Dr, Sandy, UT 84070
High Yield CD 6 mo
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
on all balance tiers
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
6 Month Certificate
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
6 Month Certificate
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
6 Month Share Certificate
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
12 W State St, Farmington, UT 84025
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
6-Month Certificate
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
12 Month Share / IRA Certificate of Deposit-STUDENT Accounts
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Automatic Renewal
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
12-Month Certificate of Deposits
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
*Minimum deposit of $500.00. Rates are as of March 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
12-month GoldStar? Membership Certificate
$5
4.25%
▼
Rate4.17%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 1 Year CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
12 Month Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
12 Month Promotional Rate (Traditional Certificates Only)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT 84604 3315
12 month Term Share Certificates
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
730 E 300 S, Springville, UT 84663
12 month Certificate (CD)
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
IRA Savings 12 Month
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
55 S State St, Salina, UT 84654
12 MONTH CD
$500
3.86%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT 84025
12 MO IRA CERTIFICAT
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
12 MONTH - ADD ON CERTIFICATE
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
1 Year CD
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
**
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
1 year CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
360 W 4800 N, Provo, UT 84604
12 Month Add-on Business Savings Certificate (Specials)
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Certificates of Deposits 1 Year
$0
3.59%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
12 Month Growth Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
1 year Saving Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificates of Deposit 12 Month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
562 N Main St, Tooele, UT 84074
12-Month No Penalty Promo Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
(Share Certificate Only)
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
1 Year Share Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 12 month
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
13907 S Minuteman Dr, Draper, UT 84020
12 Month CD
$1,000
3.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
475 N 300 W, Kaysville, UT 84037
12 Month Certificate of Deposit
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
1 Year Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
12 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
12 W State St, Farmington, UT 84025
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
12-Month Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
268 S MAIN St, EPHRAIM, UT 84627
Flex Certificates 1 year
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
18-month GoldStar? Membership Certificate
$5
4.15%
▼
Rate4.07%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
18 month Certificate (CD)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
18 Month Share One-Time Bump Certificates of Deposit
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Automatic Renewal to Regular Certificate
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
18 Month Business CD
$1,000
3.87%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
56 N State St, Orem, UT 84057
18 month CD
$500
3.85%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
18 MONTH CERTIFICATE
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT 84025
18 MO IRA CERTIFICAT
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2605 Washington Blvd, Ogden, UT 84401
18 Month Fixed IRA
$100
3.60%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
18 Month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
18 Month Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
18 Month Share Certificate
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.54%
200 W Civic Center Dr, Sandy, UT 84070
High Yield CD 18 mo
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
on all balance tiers
National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
18 month Saving Certificate
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
55 S State St, Salina, UT 84654
18 MONTH CD
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
18 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
24-Month Certificate of Deposits
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
*Minimum deposit of $500.00. Rates are as of March 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 2 Year CD
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
24 month Certificate (CD)
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
24 Month Share / IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Automatic Renewal
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
200 E South Temple, Salt Lake City, UT 84111
24-Month Traditional and IRA Term Deposit
$2,000
3.95%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 2026
Details
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
96 E Center St, Springville, UT 84663
24-Month Share Certificate
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
2 year CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
24 Month Business CD
$1,000
3.82%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
24 MONTH CERTIFICATE
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
IRA Savings 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
24 Month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
24 Month Growth Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
24 Month CD
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificates of Deposit 24 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT 84116
24 Month Certificate of Deposit Accounts
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
2 Year Certificate
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 24 month
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
2 year Saving Certificate
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
24 Month Certificate
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Certificates of Deposits 2 Year
$0
2.41%
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
55 S State St, Salina, UT 84654
24 MONTH CD
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
24-Month Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
2 Year CD
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
**
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 3 Year CD
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT 84070
36 Month Certificate Account
$500
4.05%
▼
Rate3.98%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
36 month Certificate (CD)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT 84025
36 MO IRA CERTIFICAT
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
96 E Center St, Springville, UT 84663
3-Year Share Certificate
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Gunnison, UT 84634
36 MONTH CERTIFICATE
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
36 Month Business CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
IRA Savings 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
3-year CD
$1,500
3.70%
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMar 25, 2026
Details
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
36-Month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6965 S Union Park Ctr, Cottonwood Heights, UT 84047
36-month CD Special
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
36 Month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
36 Month Growth Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
3 year CD
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 36 month
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
3 year Saving Certificate
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1675 N 200 W, Provo, UT 84604
3 Year Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
55 S State St, Salina, UT 84654
36 MONTH CD
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
36 Month CD
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Certificates of Deposits 3 Year
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
36 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
3 Year CD
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
**
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
36-Month Certificate
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
48 Month Share One-Time Bump Certificates of Deposit
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Automatic Renewal to Regular Certificate
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
48 month Certificate (CD)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT 84025
48 MO IRA CERTIFICAT
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
4 Year Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
IRA Savings 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
48 Month Business CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
4-year CD
$1,500
3.70%
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMar 25, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
48 Month Growth Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
48 Month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
8520 S Sandy Pkwy, Sandy, UT 84070 6422
Certificates of Deposit 48 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 48 month
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
4 year Saving Certificate
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1675 N 200 W, Provo, UT 84604
4 Year Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
48 Month CD
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Certificates of Deposits 4 Year
$0
2.41%
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
48 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
4897 W Lake Park Blvd Ste 200, Salt Lake City, UT 84120 8207
48-Month Certificate
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
60 Month Share One-Time Bump Certificates of Deposit
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Automatic Renewal to Regular Certificate
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
7181 S Campus View Dr, West Jordan, UT 84084 4312
Youth certificate 60-month youth certificate
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
1510 N STATE ST, Orem, UT 84057 2548
IRA Certificate 60 Month
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
60 month Certificate (CD)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3141 W 4700 S, Taylorsville, UT 84129 2525
5 Year Certificate
$1,000
3.96%
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
225 S 200 W, Farmington, UT 84025
60 MO IRA CERTIFICAT
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
500 Foothill Dr, Salt Lake City, UT 84148 0001
60-month Certificate
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
9160 N Highway 83, Corinne, UT 84307
IRA Savings 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
60 Month Business CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
5-year CD
$1,500
3.70%
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMar 25, 2026
Details
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
296 E CENTER STREET, MONTICELLO, UT 84535
60 Month Growth Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
8520 S Sandy Pkwy, Sandy, UT 84070
60 Month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
National JACL Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3776 S Highland Dr, Millcreek, UT 84106 3270
5 year Saving Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3826 S 2300 E, Salt Lake City, UT 84109
Fixed Rate CD 60 month
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
5 Year Certificates of Deposit
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
55 S State St, Salina, UT 84654
60 MONTH CD
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3280 N University Ave, Provo, UT 84604
60-Month CD
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
5 year CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3920 W Terminal Dr, Salt Lake City, UT 84116
60 Month Certificate of Deposit Accounts
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT 84020 9414
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
1675 N 200 W, Provo, UT 84604
5 Year Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3539 S Main St, Salt Lake City, UT 84115
60 Month CD
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
268 S State St, Salt Lake City, UT 84111
Certificates of Deposits 5 Year
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
420 E South Temple Ste 520, Salt Lake City, UT 84111
60 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
215 S State St, Salt Lake City, UT 84111
5 Year CD
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Echo, UT CD Rate Trends
Compare local Echo, UT CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — UT Avg
3.119%
▼ 0.874 from last week
Utah 12-month CD rates fell 0.874 points this week to 3.119% APY, down from 3.993% last week.
6-Month CD — UT Avg
2.684%
▼ 1.273 from last week
Utah 6-month CD rates fell 1.273 points this week to 2.684% APY, down from 3.957% last week.
As of Mar 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Echo, Utah
Are CD rates in Echo, Utah FDIC insured?
Yes, most established banks in Echo, 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 Echo, 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 Echo, 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 Echo, 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 Echo, Utah?
Here are recent top rates found for this area:
- P&S Credit Union: 5.00% APY (12 Month Share / IRA Certificate of Deposit-STUDENT Accounts)
- Utah Power Credit Union: 4.50% APY (12-Month Certificate of Deposits)
- American United Federal Credit Union: 4.25% APY (12-month GoldStar? Membership Certificate)
- Members First Credit Union: 4.20% APY (Youth Certificates 2 Year CD)
- Desert Rivers Federal Credit Union: 4.20% APY (3 month Super CD)
- LimeLight Bank: 4.15% APY (6-Month CD)
- Mountain America Federal Credit Union: 4.09% APY (Youth certificate 60-month youth certificate)
- Wellspring Federal Credit Union: 4.07% APY (12 Month Certificates)
- Bank of Utah: 4.06% APY (Certificate of Deposit 3-Month Term)
- Alpine Credit Union: 4.05% APY (IRA Certificate 60 Month)
Rates reflect recent verified offers available in Echo, Utah. Last Updated: March 25, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Echo, Utah directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Echo, 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: March 25, 2026
