Fort Duchesne, Utah Best CD Rates October 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.
Fort Duchesne, Utah CD rates from banks and credit unions serving Utah range from 0.05% to 5.25% APY, verified by MonitorBankRates as of October 23, 2026. Current Fort Duchesne, Utah CD rates include Morgan StanleyMorgan StanleyA+5.0 ★Texas Ratio: 2.86%Real return: +1.55%APY minus CPIRate verified Oct 20, 2026 offering 60 Month Preferred Certificate of Deposit (CD) at 5.25% APY, P&S Credit UnionP&S Credit UnionA+5.0 ★Texas Ratio: 0.10%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 12 Month Certificate - STUDENT Accounts at 5.00% APY, Merrick BankMerrick BankB+4.7 ★Texas Ratio: 18.99%Real return: +1.21%APY minus CPIRate verified Oct 22, 2026 offering 24 Month High Yield Certificates of Deposit at 4.91% APY, Sallie MaeSallie MaeA+5.0 ★Texas Ratio: 4.70%Real return: +1.05%APY minus CPIRate verified Oct 21, 2026 offering 60 Month Certificate of Deposit (CD) at 4.75% APY, and Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +0.88%APY minus CPIRate verified Oct 21, 2026 offering 3 Month Certificate of Deposit at 4.58% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Fort Duchesne is a smaller community with no bank or credit union branches currently in our database. 608 institutions serving the Utah area are available to Fort Duchesne residents, with CD rates as high as 5.25% APY from Morgan Stanley. Rates are continually updated, so 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: October 23, 2026
Compare Best CD Rates in Fort Duchesne, Utah & the Surrounding Area
Fort Duchesne 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.00% above Utah avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average2.58%▲ 2.00% above avgNationally 2.13%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 3, 20264.58%▲ from 4.32%
- Sep 27, 20264.32%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Preferred Certificate of Deposit (CD)
$1,000
4.27%
▲ 1.69% above Utah avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average2.58%▲ 1.69% above avgNationally 2.13%
Details
Increments of $1,000; maximum deposit $50,000,000
Rate History
No change since Oct 14, 2026 · 4.27% APY · checked 2 times
Merrick Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.99%
3 Month High Yield Certificates of Deposit
$25,000
4.08%
▲ 1.50% above Utah avg
▼
Rate4.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average2.58%▲ 1.50% above avgNationally 2.13%
Details
APY current as of 10/21/2026; single-transaction minimum deposit
Rate History
No change since Oct 22, 2026 · 4.08% APY
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$0
3.96%
▲ 1.38% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average2.58%▲ 1.38% above avgNationally 2.13%
Details
Minimum account balance of $2,500; APY assumes interest remains on deposit until maturity; Rates as of 09/24/2026
Rate History
No change since Oct 14, 2026 · 3.96% APY · checked 3 times
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
Retirement 3-month CD
$1,500
3.95%
▲ 1.37% above Utah avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average2.58%▲ 1.37% above avgNationally 2.13%
Details
IRA Retirement Certificate of Deposit; fixed rate
Rate History
No change since Oct 20, 2026 · 3.95% APY
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$500
3.90%
▲ 1.32% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▲ 1.32% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.27% above Utah avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average2.58%▲ 1.27% above avgNationally 2.13%
Details
Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online
Rate History
No change since Oct 20, 2026 · 3.85% APY
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 Month Certificate
$500
3.85%
▲ 1.27% above Utah avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▲ 1.27% above avgNationally 2.13%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.28%
3 Month Three Month Certificate
$500
3.80%
▲ 1.22% above Utah avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average2.58%▲ 1.22% above avgNationally 2.13%
Details
Withdrawals: Allowed--Ask Credit Union
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 Month Super CD
$0
3.65%
▲ 1.07% above Utah avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▲ 1.07% above avgNationally 2.13%
Details
Comparison to National Average: 1.44%; Deposit money to the balance at any time
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Certificate of Deposit - 90 Day Fixed Rate
$100
3.50%
▲ 0.92% above Utah avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average2.58%▲ 0.92% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50%
▲ 0.92% above Utah avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average2.58%▲ 0.92% above avgNationally 2.13%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 13, 20263.50%▲ from 3.30%
- Oct 5, 20263.30%first recorded
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 Month Time Certificate of Deposit
$500
3.20%
▲ 0.62% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average2.58%▲ 0.62% above avgNationally 2.13%
Details
Additional .25% bonus for Star and Senior Account customers
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Oct 3, 20263.20%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Month High Yield CD
$0
2.80%
▲ 0.22% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average2.58%▲ 0.22% above avgNationally 2.13%
Details
Rate History
1 change since Sep 18, 2026 · 2.70% → 2.80% ▲ 0.10 pts · high 2.80% / low 2.70%
- Sep 27, 20262.80%▲ from 2.70%
- Sep 18, 20262.70%first recorded
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3-Month Certificate
$0
2.27%
▼ 0.31% below Utah avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▼ 0.31% below avgNationally 2.13%
Details
Balance: $50,000+; Dividends: Quarterly
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 9 times
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3-Month Certificate
$0
1.76%
▼ 0.82% below Utah avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▼ 0.82% below avgNationally 2.13%
Details
Balance: $1,000-$49,999.99; Dividends: Quarterly
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 9 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.98% below Utah avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▼ 1.98% below avgNationally 2.13%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Regular
$0
0.50%
▼ 2.08% below Utah avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▼ 2.08% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Month Certificate
$0
0.20%
▼ 2.38% below Utah avg
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average2.58%▼ 2.38% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 5 times
Continental Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
90 Day High Yield CD
$0
0.20%
▼ 2.38% below Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average2.58%▼ 2.38% below avgNationally 2.13%
Details
$25,000 Minimum High Yield; Rates above apply to $250,000 balance levels
Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 5 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 2.48% below Utah avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average2.58%▼ 2.48% below avgNationally 2.13%
Details
Tier: $90,000+; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 5 times
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
3-Month CD
$0
0.10%
▼ 2.48% below Utah avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▼ 2.48% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.52% below Utah avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average2.58%▼ 2.52% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.53% below Utah avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average2.58%▼ 2.53% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 2.53% below Utah avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average2.58%▼ 2.53% below avgNationally 2.13%
Details
Tier: $1,000+; Renewal Term: 3 Months
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3 Month Business Share Certificate
$0
0.05%
▼ 2.53% below Utah avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▼ 2.53% below avgNationally 2.13%
Details
Rate History
No change since Oct 5, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.53% below Utah avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▼ 2.53% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05%
▼ 2.53% below Utah avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.58%▼ 2.53% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Fort Duchesne 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.40%
▲ 0.69% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.69% above avgNationally 2.78%
Details
Minimum to open $500.00; maximum opening deposit $500,000.00; early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 23, 20264.40%▲ from 4.30%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month Preferred Certificate of Deposit (CD)
$1,000
4.30%
▲ 0.59% above Utah avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.59% above avgNationally 2.78%
Details
Increments of $1,000; maximum deposit $50,000,000
Rate History
1 change since Oct 14, 2026 · 4.40% → 4.30% ▼ 0.10 pts · high 4.40% / low 4.30%
- Oct 20, 20264.30%▼ from 4.40%
- Oct 14, 20264.40%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 6 Months
$1,000
4.30%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.59% above avgNationally 2.78%
Details
Effective as of October 19, 2026
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificates of Deposit - 6 Months
$1,000
4.30%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.59% above avgNationally 2.78%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 24, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 7, 20264.30%▲ from 4.20%
- Sep 24, 20264.20%first recorded
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6 Month Promo Certificate
$0
4.30%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.59% above avgNationally 2.78%
Details
Homepage promo card: "Cozy up with a 4.30% APY*"; 6-Month Certificate
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 8 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30%
▲ 0.59% above Utah avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.71%▲ 0.59% above avgNationally 2.78%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 3, 20264.30%▲ from 4.04%
- Sep 27, 20264.04%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD
$0
4.26%
▲ 0.55% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.71%▲ 0.55% above avgNationally 2.78%
Details
Minimum account balance of $2,500; APY assumes interest remains on deposit until maturity; Rates as of 09/24/2026
Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 3 times
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month Homebuyer Certificate
$0
4.25%
▲ 0.54% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.54% above avgNationally 2.78%
Details
Minimum monthly automatic deposit of at least $25 required; early withdrawal penalty waived if funds are used toward purchase of a home
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Merrick Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.99%
6 Month High Yield Certificates of Deposit
$25,000
4.24%
▲ 0.53% above Utah avg
▼
Rate4.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.71%▲ 0.53% above avgNationally 2.78%
Details
APY current as of 10/21/2026; single-transaction minimum deposit
Rate History
No change since Oct 22, 2026 · 4.24% APY
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
U-IN-TA 6 Month Share Certificate
$1,000
4.23%
▲ 0.52% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.52% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 4.23% APY
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
6 Month Personal Certificates of Deposit
$0
4.22%
▲ 0.51% above Utah avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.71%▲ 0.51% above avgNationally 2.78%
Details
Term: 6 Months to 11 Months; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 28, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
- Oct 3, 20264.22%▲ from 4.11%
- Sep 28, 20264.11%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6 Month Certificate
$500
4.11%
▲ 0.40% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.40% above avgNationally 2.78%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 4.11% ▲ 0.46 pts · high 4.11% / low 3.65%
- Oct 6, 20264.11%▲ from 3.65%
- Sep 27, 20263.65%first recorded
FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
6-Month Term CD
$500
4.10%
▲ 0.39% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.39% above avgNationally 2.78%
Details
Open a CD online with a $500 Minimum Deposit.
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Fixed IRA - 6 Month
$100
4.10%
▲ 0.39% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.39% above avgNationally 2.78%
Details
Traditional or Roth IRA; APY accurate as of October 15, 2026 and subject to change; early withdrawals have a substantial penalty
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
IRA 6 Month CD
$100
4.10%
▲ 0.39% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.39% above avgNationally 2.78%
Details
Branch Only; Fixed IRA APY; Traditional or Roth IRA; Early withdrawal penalties apply; APY accurate as of October 15, 2026
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
4.10%
▲ 0.39% above Utah avg
▼
Rate4.02%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.39% above avgNationally 2.78%
Details
Open Online
Rate History
3 changes since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.20% / low 3.90%
- Oct 15, 20264.10%▼ from 4.20%
- Oct 12, 20264.20%▲ from 4.00%
- Sep 25, 20264.00%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA Open Online
$10,000
4.10%
▲ 0.39% above Utah avg
▼
Rate4.02%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.39% above avgNationally 2.78%
Details
IRA certificate
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 3 times
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificates (CDs) - 6 Months
$1,000
4.06%
▲ 0.35% above Utah avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.35% above avgNationally 2.78%
Details
Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
- Oct 9, 20264.06%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
Retirement 6-month CD
$1,500
4.05%
▲ 0.34% above Utah avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.34% above avgNationally 2.78%
Details
IRA Retirement Certificate of Deposit; fixed rate
Rate History
No change since Oct 20, 2026 · 4.05% APY
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
6 Month Certificates of Deposit
$0
4.00%
▲ 0.29% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.29% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Sep 27, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 6-Month
$0
4.00%
▲ 0.29% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.29% above avgNationally 2.78%
Details
Minimum Balance: $2,000
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 4 times
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
6 Month Certificate - GoldStar
$0
4.00%
▲ 0.29% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.29% above avgNationally 2.78%
Details
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6-Month Certificate
$0
4.00%
▲ 0.29% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.29% above avgNationally 2.78%
Details
Certificate Rates; APY* Dividend Rate column; early closure penalties apply
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 4, 20264.00%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Traditional Certificate - 6-Month
$0
4.00%
▲ 0.29% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.29% above avgNationally 2.78%
Details
APY* Dividend Rate column
Rate History
No change since Oct 23, 2026 · 4.00% APY
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6 Month Certificate (CD)
$500
4.00%
▲ 0.29% above Utah avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.29% above avgNationally 2.78%
Details
Early withdrawal penalties may apply.
Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 19, 20264.00%▲ from 3.95%
- Sep 25, 20263.95%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Certificate
$500
4.00%
▲ 0.29% above Utah avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.29% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
6 Month CD
$0
4.00%
▲ 0.29% above Utah avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.29% above avgNationally 2.78%
Details
Comparison to National Average: 1.58%
Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 9, 20264.00%▲ from 3.85%
- Sep 29, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Share Certificates - 6 Month Certificate
$0
3.96%
▲ 0.25% above Utah avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.25% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.15 pts · high 3.96% / low 3.80%
- Oct 5, 20263.96%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
3.95%
▲ 0.24% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
No change since Sep 22, 2026 · 3.95% APY · checked 4 times
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
Share Certificate - 6 Months
$0
3.95%
▲ 0.24% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Rate History
1 change since Sep 17, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 23, 20263.95%▲ from 3.85%
- Sep 17, 20263.85%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Business Jumbo Share Certificates
$0
3.95%
▲ 0.24% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Minimum balance for Jumbo Share Certificates is $75,000
Rate History
1 change since Oct 13, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- Oct 19, 20263.95%▲ from 3.90%
- Oct 13, 20263.90%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Business Share Certificate
$0
3.95%
▲ 0.24% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Rate History
1 change since Oct 5, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- Oct 19, 20263.95%▲ from 3.90%
- Oct 5, 20263.90%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month IRA Jumbo Share Certificate
$0
3.95%
▲ 0.24% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Oct 5, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- Oct 19, 20263.95%▲ from 3.90%
- Oct 5, 20263.90%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Jumbo Share Certificates
$75,000
3.95%
▲ 0.24% above Utah avg
▼
Rate3.87%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Sep 17, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- Oct 19, 20263.95%▲ from 3.90%
- Sep 17, 20263.90%first recorded
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
6-Month CD
$0
3.95%
▲ 0.24% above Utah avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.95%
▲ 0.24% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month Certificate
$0
3.95%
▲ 0.24% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Rates effective as of 9/21/2026
Rate History
No change since Oct 19, 2026 · 3.95% APY
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 6 months
$1,000
3.95%
▲ 0.24% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.24% above avgNationally 2.78%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
6 Month Certificate
$0
3.90%
▲ 0.19% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.19% above avgNationally 2.78%
Details
Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 8 times
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
6 Month Regular & IRA Certificate
$0
3.90%
▲ 0.19% above Utah avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.19% above avgNationally 2.78%
Details
Minimum Amount: $500.00
Rate History
No change since Oct 12, 2026 · 3.90% APY · checked 3 times
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Mo Share CD
$0
3.90%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.19% above avgNationally 2.78%
Details
Printed as APR% on source; When Paid: At maturity; EW Penalty: 1 mo int.
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 6 Month
$500
3.90%
▲ 0.19% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.19% above avgNationally 2.78%
Details
Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
6 Month Certificate
$500
3.90%
▲ 0.19% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.19% above avgNationally 2.78%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Term Share Certificate - 6 Month
$1,000
3.90%
▲ 0.19% above Utah avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.19% above avgNationally 2.78%
Details
Dividend frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts
Rate History
No change since Oct 19, 2026 · 3.90% APY · checked 2 times
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month CD
$0
3.90%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.19% above avgNationally 2.78%
Details
Dividend Pays: Quarterly
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
6 Month High Yield CD
$0
3.85%
▲ 0.14% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.71%▲ 0.14% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Sep 24, 20263.85%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit 6 Month
$0
3.85%
▲ 0.14% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.14% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85%
▲ 0.14% above Utah avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.71%▲ 0.14% above avgNationally 2.78%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 13, 20263.85%▲ from 3.50%
- Oct 5, 20263.50%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Certificate
$0
3.85%
▲ 0.14% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.14% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 5, 20263.85%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month HSA Certificate
$0
3.85%
▲ 0.14% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.71%▲ 0.14% above avgNationally 2.78%
Details
HSA share certificate; APY = Annual Percentage Yield; rates accurate as of October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 5, 20263.85%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Fort Duchesne 12 Month CD Rates
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: 0.10%
12 Month Certificate - STUDENT Accounts
$100
5.00%
▲ 1.14% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 1.14% above avgNationally 2.99%
Details
Maximum $10,000; Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
Merrick Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.99%
12 Month High Yield Certificates of Deposit
$25,000
4.65%
▲ 0.79% above Utah avg
▼
Rate4.55%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.86%▲ 0.79% above avgNationally 2.99%
Details
APY current as of 10/21/2026; single-transaction minimum deposit
Rate History
No change since Oct 22, 2026 · 4.65% APY
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month Preferred Certificate of Deposit (CD)
$1,000
4.60%
▲ 0.74% above Utah avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.74% above avgNationally 2.99%
Details
Increments of $1,000; maximum deposit $50,000,000
Rate History
No change since Oct 14, 2026 · 4.60% APY · checked 2 times
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12 Month Certificate of Deposit (CD)
$2,500
4.50%
▲ 0.64% above Utah avg
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.86%▲ 0.64% above avgNationally 2.99%
Details
Rates accurate as of 10/21/2026; Product name is the section heading; rows are printed by term only. Footnote 4: a penalty may be charged for early withdrawal; accurate as of 10/21/2026.
Rate History
No change since Oct 21, 2026 · 4.50% APY
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
Certificate of Deposit 12-Month
$500
4.50%
▲ 0.64% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.64% above avgNationally 2.99%
Details
Minimum deposit of $500.00; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 10 times
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
Savers 12-Month Certificate of Deposit
$9
4.50%
▲ 0.64% above Utah avg
▼
RateN/A
Min Deposit$9
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.64% above avgNationally 2.99%
Details
Minimum deposit of $9 at opening and $9 per month, up to $10,000.00; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 2 times
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
Retirement 1-year CD
$1,500
4.45%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.59% above avgNationally 2.99%
Details
IRA Retirement Certificate of Deposit; fixed rate
Rate History
No change since Oct 20, 2026 · 4.45% APY
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield CD
$500
4.40%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.54% above avgNationally 2.99%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 22, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 1, 20264.40%▲ from 3.90%
- Sep 22, 20263.90%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 12 Months
$1,000
4.40%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.54% above avgNationally 2.99%
Details
Effective as of October 19, 2026
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificates of Deposit - 12 Months
$1,000
4.40%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.54% above avgNationally 2.99%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 7, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
12-Month Term CD
$500
4.40%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.54% above avgNationally 2.99%
Details
Open a CD online with a $500 Minimum Deposit.
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1 Year CD
$0
4.36%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.86%▲ 0.50% above avgNationally 2.99%
Details
Minimum account balance of $2,500; APY assumes interest remains on deposit until maturity; Rates as of 09/24/2026
Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$0
4.35%
▲ 0.49% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.49% above avgNationally 2.99%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
12 Month High Yield CD
$0
4.30%
▲ 0.44% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.44% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 20, 20264.30%▲ from 4.15%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$10,000
4.30%
▲ 0.44% above Utah avg
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.44% above avgNationally 2.99%
Details
Open Online
Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.35% / low 3.95%
- Oct 15, 20264.30%▼ from 4.35%
- Oct 12, 20264.35%▲ from 4.00%
- Sep 25, 20264.00%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month IRA Open Online
$10,000
4.30%
▲ 0.44% above Utah avg
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.44% above avgNationally 2.99%
Details
IRA certificate
Rate History
1 change since Oct 8, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 15, 20264.30%▲ from 4.10%
- Oct 8, 20264.10%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 12 Month
$0
4.30%
▲ 0.44% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.44% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.30% APY
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
12 Month Certificates of Deposit
$0
4.25%
▲ 0.39% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.39% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Sep 27, 20264.25%▲ from 3.95%
- Sep 18, 20263.95%first recorded
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 Month - Add On Certificate
$0
4.25%
▲ 0.39% above Utah avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.39% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25%
▲ 0.39% above Utah avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.39% above avgNationally 2.99%
Details
Rate Effective Date: October 23, 2026
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 5 times
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Share Certificate - Promo Rate
$5,000
4.25%
▲ 0.39% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.39% above avgNationally 2.99%
Details
Promo Rate ($5,000 Min. New Deposit); Early withdrawal penalty: 90 day interest
Rate History
No change since Oct 19, 2026 · 4.25% APY
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Share Certificate of Deposit
$5,000
4.25%
▲ 0.39% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.39% above avgNationally 2.99%
Details
Promo Rate ($5,000 Min. New Deposit); Penalty: 90 day interest E/W penalty
Rate History
No change since Oct 19, 2026 · 4.25% APY
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
U-IN-TA 12 Month Share Certificate
$1,000
4.23%
▲ 0.37% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.37% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.23% APY
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 Month Personal Certificates of Deposit
$0
4.22%
▲ 0.36% above Utah avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.86%▲ 0.36% above avgNationally 2.99%
Details
Term: 12 Months to 23 Months; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 28, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
- Oct 3, 20264.22%▲ from 4.01%
- Sep 28, 20264.01%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 Month Personal Individual Retirement Account (IRA) Certificates
$0
4.22%
▲ 0.36% above Utah avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.86%▲ 0.36% above avgNationally 2.99%
Details
Term: 12 Months to 23 Months; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.22% APY
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month Certificate
$500
4.11%
▲ 0.25% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.25% above avgNationally 2.99%
Details
Rate History
1 change since Sep 27, 2026 · 3.70% → 4.11% ▲ 0.41 pts · high 4.11% / low 3.70%
- Oct 6, 20264.11%▲ from 3.70%
- Sep 27, 20263.70%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month CD
$1,000
4.10%
▲ 0.24% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.86%▲ 0.24% above avgNationally 2.99%
Details
Early Withdrawal Penalty applies; displayed rates accurate as of October 1, 2026
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 3, 20264.10%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Business Certificate of Deposit - 12 Months
$25,000
4.10%
▲ 0.24% above Utah avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.86%▲ 0.24% above avgNationally 2.99%
Details
Interest compounds daily and pays monthly; Early withdrawal penalty applies; $15 outgoing wire fee
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Youth Certificates - 1 Year CD
$0
4.10%
▲ 0.24% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.24% above avgNationally 2.99%
Details
Dividend Pays: Quarterly; No bump option on Youth Certificates; $50,000 max per account; Must be 25 years old or younger; Penalties for withdrawing funds before the end of the designated term may apply
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
12 Month Certificate
$0
4.07%
▲ 0.21% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.21% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 12 Month
$0
4.07%
▲ 0.21% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.21% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.07% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.07%
▲ 0.21% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.21% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
- Oct 15, 20264.07%▲ from 4.02%
- Oct 5, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificates (CDs) - 12 Months
$1,000
4.06%
▲ 0.20% above Utah avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.20% above avgNationally 2.99%
Details
Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
- Oct 9, 20264.06%▲ from 3.91%
- Sep 14, 20263.91%first recorded
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1 Year Youth Share Certificate
$250
4.06%
▲ 0.20% above Utah avg
▼
Rate3.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.20% above avgNationally 2.99%
Details
Youth certificate; Rate Type: Fixed; Youth Certificates may have unlimited deposits
Rate History
No change since Oct 9, 2026 · 4.06% APY · checked 2 times
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
Business CD - 12 Month CD
$1,000
4.05%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Rates current as of October 19, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 12-Month
$0
4.05%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Minimum Balance: $2,000
Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 4 times
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12-Month Certificate
$0
4.05%
▲ 0.19% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Certificate Rates; early closure penalties apply
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 4, 20264.05%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Traditional Certificate - 12-Month
$0
4.05%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
APY* Dividend Rate column
Rate History
No change since Oct 23, 2026 · 4.05% APY
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
Share Certificate - 12 Months
$0
4.05%
▲ 0.19% above Utah avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Rate History
1 change since Sep 17, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 23, 20264.05%▲ from 3.90%
- Sep 17, 20263.90%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
12 Month Certificate (CD)
$500
4.05%
▲ 0.19% above Utah avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 19, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Certificate
$500
4.05%
▲ 0.19% above Utah avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 Month Business Jumbo Share Certificates
$0
4.05%
▲ 0.19% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Minimum balance for Jumbo Share Certificates is $75,000
Rate History
1 change since Oct 13, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 19, 20264.05%▲ from 3.95%
- Oct 13, 20263.95%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 Month Business Share Certificate
$0
4.05%
▲ 0.19% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Rate History
1 change since Oct 5, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 19, 20264.05%▲ from 3.95%
- Oct 5, 20263.95%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 Month IRA Jumbo Share Certificate
$0
4.05%
▲ 0.19% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Oct 5, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 19, 20264.05%▲ from 3.95%
- Oct 5, 20263.95%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 Month Jumbo Share Certificates
$75,000
4.05%
▲ 0.19% above Utah avg
▼
Rate3.97%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.19% above avgNationally 2.99%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Sep 17, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 19, 20264.05%▲ from 3.95%
- Sep 17, 20263.95%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Growth Certificate - 12 Month Certificate
$0
4.01%
▲ 0.15% above Utah avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.15% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55%
- Oct 13, 20264.01%▲ from 3.55%
- Sep 14, 20263.55%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Share Certificates - 12 Month Certificate
$0
4.01%
▲ 0.15% above Utah avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.86%▲ 0.15% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55%
- Oct 5, 20264.01%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month Certificate of Deposit
$0
4.00%
▲ 0.14% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.86%▲ 0.14% above avgNationally 2.99%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
1 change since Sep 27, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 3, 20264.00%▲ from 3.00%
- Sep 27, 20263.00%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
12 Month Certificate - GoldStar
$0
4.00%
▲ 0.14% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.86%▲ 0.14% above avgNationally 2.99%
Details
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Fort Duchesne 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Merrick Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.99%
18 Month High Yield Certificates of Deposit
$25,000
4.90%
▲ 1.00% above Utah avg
▼
Rate4.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.90%▲ 1.00% above avgNationally 2.88%
Details
APY current as of 10/21/2026; single-transaction minimum deposit
Rate History
No change since Oct 22, 2026 · 4.90% APY
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Preferred Certificate of Deposit (CD)
$1,000
4.80%
▲ 0.90% above Utah avg
▼
Rate4.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.90% above avgNationally 2.88%
Details
Increments of $1,000; maximum deposit $50,000,000
Rate History
No change since Oct 14, 2026 · 4.80% APY · checked 2 times
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 Month Certificate of Deposit (CD)
$2,500
4.50%
▲ 0.60% above Utah avg
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.90%▲ 0.60% above avgNationally 2.88%
Details
Rates accurate as of 10/21/2026; Product name is the section heading; rows are printed by term only. Footnote 4: a penalty may be charged for early withdrawal; accurate as of 10/21/2026.
Rate History
No change since Oct 21, 2026 · 4.50% APY
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Month Certificate
$500
4.50%
▲ 0.60% above Utah avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.60% above avgNationally 2.88%
Details
Paid Monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 13, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18 Month High Yield CD
$0
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.50% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 18, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 20, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.50% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 18 Months
$1,000
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.50% above avgNationally 2.88%
Details
Effective as of October 19, 2026
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificates of Deposit - 18 Months
$1,000
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.50% above avgNationally 2.88%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 24, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 7, 20264.40%▲ from 4.30%
- Sep 24, 20264.30%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$10,000
4.35%
▲ 0.45% above Utah avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.45% above avgNationally 2.88%
Details
Open Online
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 12, 20264.35%▲ from 4.10%
- Sep 25, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA Open Online
$10,000
4.35%
▲ 0.45% above Utah avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.45% above avgNationally 2.88%
Details
IRA certificate
Rate History
1 change since Oct 8, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
- Oct 15, 20264.35%▲ from 4.20%
- Oct 8, 20264.20%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35%
▲ 0.45% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Growth Certificate Account - October Special 18 Month
$100
4.35%
▲ 0.45% above Utah avg
▼
Rate4.27%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.45% above avgNationally 2.88%
Details
Limited time offer; Maximum of $250,000 in total deposits per primary account holder; additional deposits allowed up to $100,000 cumulative Growth Certificate deposits per primary account holder; dividends paid monthly
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 18 Month
$0
4.35%
▲ 0.45% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
18 Month Certificates of Deposit
$0
4.25%
▲ 0.35% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.35% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Sep 27, 20264.25%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 0.35% above Utah avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.35% above avgNationally 2.88%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 13, 20264.25%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
U-IN-TA 18 Month Share Certificate
$1,000
4.23%
▲ 0.33% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.33% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 4.23% APY
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Fixed IRA - 18 Month
$100
4.20%
▲ 0.30% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.30% above avgNationally 2.88%
Details
Traditional or Roth IRA; APY accurate as of October 15, 2026 and subject to change; early withdrawals have a substantial penalty
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 3 times
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
IRA 18 Month CD
$100
4.20%
▲ 0.30% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.30% above avgNationally 2.88%
Details
Branch Only; Fixed IRA APY; Traditional or Roth IRA; Early withdrawal penalties apply; APY accurate as of October 15, 2026
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Business Certificate of Deposit - 18 Months
$25,000
4.18%
▲ 0.28% above Utah avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.90%▲ 0.28% above avgNationally 2.88%
Details
Interest compounds daily and pays monthly; Early withdrawal penalty applies; $15 outgoing wire fee
Rate History
No change since Oct 14, 2026 · 4.18% APY · checked 2 times
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificates (CDs) - 18 Months
$1,000
4.17%
▲ 0.27% above Utah avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.27% above avgNationally 2.88%
Details
Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026
Rate History
2 changes since Sep 14, 2026 · 3.83% → 4.17% ▲ 0.34 pts · high 4.17% / low 3.83%
- Oct 9, 20264.17%▲ from 4.05%
- Sep 18, 20264.05%▲ from 3.83%
- Sep 14, 20263.83%first recorded
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Mo Share CD
$0
4.15%
▲ 0.25% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.25% above avgNationally 2.88%
Details
Printed as APR% on source; When Paid: Quarterly; EW Penalty: 3 mo int.
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15%
▲ 0.25% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.25% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate
$500
4.15%
▲ 0.25% above Utah avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.25% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
Business CD - 18 Month CD
$1,000
4.10%
▲ 0.20% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.20% above avgNationally 2.88%
Details
Rates current as of October 19, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 18-Month
$0
4.10%
▲ 0.20% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.20% above avgNationally 2.88%
Details
Minimum Balance: $2,000
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 4 times
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18-Month Certificate
$0
4.10%
▲ 0.20% above Utah avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.20% above avgNationally 2.88%
Details
w/bump; early closure penalties apply
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 4, 20264.10%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Traditional Certificate - 18-Month
$0
4.10%
▲ 0.20% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.20% above avgNationally 2.88%
Details
w/bump
Rate History
No change since Oct 23, 2026 · 4.10% APY
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
Share Certificate - 18 Months
$0
4.10%
▲ 0.20% above Utah avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.20% above avgNationally 2.88%
Details
Rate History
1 change since Sep 17, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
- Oct 23, 20264.10%▲ from 3.95%
- Sep 17, 20263.95%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Certificate (CD)
$500
4.10%
▲ 0.20% above Utah avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.20% above avgNationally 2.88%
Details
Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- Oct 19, 20264.10%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Term Share Certificate - 18 Month
$1,000
4.10%
▲ 0.20% above Utah avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.20% above avgNationally 2.88%
Details
Dividend frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts
Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 2 times
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 Month Certificate
$0
4.06%
▲ 0.16% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.90%▲ 0.16% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 5 times
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Share Certificates - 18 Month Certificate
$0
4.06%
▲ 0.16% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.16% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
- Oct 5, 20264.06%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 18 Month
$500
4.05%
▲ 0.15% above Utah avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.15% above avgNationally 2.88%
Details
Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
18 Month Certificate - GoldStar
$0
4.00%
▲ 0.10% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.10% above avgNationally 2.88%
Details
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
18 Month Certificate
$0
4.00%
▲ 0.10% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.10% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 5, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Certificate
$0
4.00%
▲ 0.10% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.10% above avgNationally 2.88%
Details
Rates effective as of 9/21/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
18 Month Regular & IRA Certificate
$0
3.95%
▲ 0.05% above Utah avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▲ 0.05% above avgNationally 2.88%
Details
Minimum Amount: $500.00
Rate History
No change since Oct 12, 2026 · 3.95% APY · checked 3 times
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 18 months
$1,000
3.95%
▲ 0.05% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.05% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
18 Month Certificate
$0
3.90%
At Utah avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%At the averageNationally 2.88%
Details
Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 8 times
Celtic Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
Certificate of Deposit - 18 Months
$1,000
3.87%
▼ 0.03% below Utah avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.03% below avgNationally 2.88%
Details
Fixed rate on entire balance for length of CD term; rates current as of September 16th, 2026
Rate History
No change since Oct 19, 2026 · 3.87% APY
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
18 month CD
$500
3.85%
▼ 0.05% below Utah avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▼ 0.05% below avgNationally 2.88%
Details
Interest Rate Fixed APR; Minimum Amount $500.00
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80%
▼ 0.10% below Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.10% below avgNationally 2.88%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▼ 0.10% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.10% below avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80%
▼ 0.10% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.10% below avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80%
▼ 0.10% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.10% below avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80%
▼ 0.10% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.10% below avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80%
▼ 0.10% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.10% below avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Certificate
$0
3.70%
▼ 0.20% below Utah avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.20% below avgNationally 2.88%
Details
Rates current as of 09/28/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
American Express National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
18 Month Certificate of Deposit
$0
3.65%
▼ 0.25% below Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.90%▼ 0.25% below avgNationally 2.88%
Details
Fixed APY; interest compounded daily
Rate History
No change since Oct 22, 2026 · 3.65% APY
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
18 Month Certificate
$0
3.56%
▼ 0.34% below Utah avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.90%▼ 0.34% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
Fort Duchesne 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Preferred Certificate of Deposit (CD)
$1,000
5.00%
▲ 1.12% above Utah avg
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.88%▲ 1.12% above avgNationally 2.90%
Details
Increments of $1,000; maximum deposit $50,000,000
Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 2 times
Merrick Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.99%
24 Month High Yield Certificates of Deposit
$25,000
4.91%
▲ 1.03% above Utah avg
▼
Rate4.79%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.88%▲ 1.03% above avgNationally 2.90%
Details
APY current as of 10/21/2026; single-transaction minimum deposit
Rate History
No change since Oct 22, 2026 · 4.91% APY
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Certificate of Deposit (CD)
$2,500
4.50%
▲ 0.62% above Utah avg
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Rates accurate as of 10/21/2026; Product name is the section heading; rows are printed by term only. Footnote 4: a penalty may be charged for early withdrawal; accurate as of 10/21/2026.
Rate History
No change since Oct 21, 2026 · 4.50% APY
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 24-Month
$0
4.50%
▲ 0.62% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Minimum Balance: $2000
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 4 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50%
▲ 0.62% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Most Popular
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Business Jumbo Share Certificates
$0
4.50%
▲ 0.62% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Minimum balance for Jumbo Share Certificates is $75,000
Rate History
1 change since Oct 13, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 19, 20264.50%▲ from 4.25%
- Oct 13, 20264.25%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Business Share Certificate
$0
4.50%
▲ 0.62% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Rate History
1 change since Oct 5, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 19, 20264.50%▲ from 4.25%
- Oct 5, 20264.25%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month IRA Jumbo Share Certificate
$0
4.50%
▲ 0.62% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Oct 5, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 19, 20264.50%▲ from 4.25%
- Oct 5, 20264.25%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Jumbo Share Certificates
$75,000
4.50%
▲ 0.62% above Utah avg
▼
Rate4.40%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Sep 17, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 19, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
2 Year CD
$0
4.50%
▲ 0.62% above Utah avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Comparison to National Average: 1.41%
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 29, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
Certificate of Deposit 24-Month
$500
4.50%
▲ 0.62% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.62% above avgNationally 2.90%
Details
Minimum deposit of $500.00; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 19, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificates (CDs) - 24 Months
$1,000
4.48%
▲ 0.60% above Utah avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.60% above avgNationally 2.90%
Details
Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026
Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
- Oct 9, 20264.48%▲ from 4.05%
- Sep 18, 20264.05%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 24 Months
$1,000
4.45%
▲ 0.57% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.88%▲ 0.57% above avgNationally 2.90%
Details
Effective as of October 19, 2026
Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 2 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificates of Deposit - 24 Months
$1,000
4.45%
▲ 0.57% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.88%▲ 0.57% above avgNationally 2.90%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 7, 20264.45%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
24 Month Certificate (CD)
$500
4.45%
▲ 0.57% above Utah avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.57% above avgNationally 2.90%
Details
Early withdrawal penalties may apply.
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 19, 20264.45%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate
$500
4.45%
▲ 0.57% above Utah avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.57% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 2 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40%
▲ 0.52% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.88%▲ 0.52% above avgNationally 2.90%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 24 Month
$0
4.40%
▲ 0.52% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.52% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.40% APY
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$10,000
4.35%
▲ 0.47% above Utah avg
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.47% above avgNationally 2.90%
Details
Open Online
Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
- Oct 12, 20264.35%▲ from 4.25%
- Sep 25, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA Open Online
$10,000
4.35%
▲ 0.47% above Utah avg
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.47% above avgNationally 2.90%
Details
IRA certificate
Rate History
1 change since Oct 8, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 15, 20264.35%▲ from 4.30%
- Oct 8, 20264.30%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$0
4.35%
▲ 0.47% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.47% above avgNationally 2.90%
Details
Rate History
No change since Oct 23, 2026 · 4.35% APY
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
24 Month Certificates of Deposit
$0
4.30%
▲ 0.42% above Utah avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.88%▲ 0.42% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
- Sep 27, 20264.30%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
Share Certificate - 24 Months
$0
4.30%
▲ 0.42% above Utah avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.42% above avgNationally 2.90%
Details
Rate History
1 change since Sep 17, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
- Oct 23, 20264.30%▲ from 4.05%
- Sep 17, 20264.05%first recorded
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month Share Certificate - Promo Rate
$5,000
4.30%
▲ 0.42% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.42% above avgNationally 2.90%
Details
Promo Rate ($5,000 Min. New Deposit); Early withdrawal penalty: 180 day interest
Rate History
No change since Oct 19, 2026 · 4.30% APY
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month Share Certificate of Deposit
$5,000
4.30%
▲ 0.42% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.42% above avgNationally 2.90%
Details
Promo Rate ($5,000 Min. New Deposit); Penalty: 180 day interest E/W penalty
Rate History
No change since Oct 19, 2026 · 4.30% APY
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
2 Year Traditional IRA CD
$0
4.29%
▲ 0.41% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.41% above avgNationally 2.90%
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
Rate History
No change since Sep 14, 2026 · 4.29% APY · checked 8 times
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2 Year CD
$1,000
4.25%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.88%▲ 0.37% above avgNationally 2.90%
Details
Early Withdrawal Penalty applies; displayed rates accurate as of October 1, 2026
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 3, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Business Certificate of Deposit - 2 Years
$25,000
4.25%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.88%▲ 0.37% above avgNationally 2.90%
Details
Interest compounds daily and pays monthly; Early withdrawal penalty applies; $15 outgoing wire fee
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24-Month Certificate
$0
4.25%
▲ 0.37% above Utah avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.37% above avgNationally 2.90%
Details
Certificate Rates; early closure penalties apply
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 4, 20264.25%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Traditional Certificate - 24-Month
$0
4.25%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.37% above avgNationally 2.90%
Details
APY* Dividend Rate column
Rate History
No change since Oct 23, 2026 · 4.25% APY
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Mo Share CD
$0
4.25%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.37% above avgNationally 2.90%
Details
Printed as APR% on source; When Paid: Quarterly; EW Penalty: 3 mo int.
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25%
▲ 0.37% above Utah avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.37% above avgNationally 2.90%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 13, 20264.25%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Certificate
$0
4.25%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.37% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 5, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Term Share Certificate - 24 Month
$1,000
4.25%
▲ 0.37% above Utah avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.37% above avgNationally 2.90%
Details
Dividend frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Growth Certificate - 24 Month Certificate
$0
4.21%
▲ 0.33% above Utah avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.33% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.22% ▲ 0.67 pts · high 4.22% / low 3.55%
- Oct 13, 20264.22%▲ from 3.55%
- Sep 14, 20263.55%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Share Certificates - 24 Month Certificate
$0
4.21%
▲ 0.33% above Utah avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.33% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.22% ▲ 0.67 pts · high 4.22% / low 3.55%
- Oct 5, 20264.22%▲ from 3.55%
- Sep 14, 20263.55%first recorded
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
24 Month Certificate
$0
4.20%
▲ 0.32% above Utah avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.88%▲ 0.32% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Month Certificate
$500
4.20%
▲ 0.32% above Utah avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.32% above avgNationally 2.90%
Details
Paid Monthly
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 25, 20264.20%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Youth Certificates - 2 Year CD
$0
4.20%
▲ 0.32% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.32% above avgNationally 2.90%
Details
Dividend Pays: Quarterly; No bump option on Youth Certificates; $50,000 max per account; Must be 25 years old or younger; Penalties for withdrawing funds before the end of the designated term may apply
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 3 times
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
Business CD - 24 Month CD
$1,000
4.15%
▲ 0.27% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.88%▲ 0.27% above avgNationally 2.90%
Details
Rates current as of October 19, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 24 Month
$500
4.15%
▲ 0.27% above Utah avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.27% above avgNationally 2.90%
Details
Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Growth Certificate Account 24 Month
$100
4.15%
▲ 0.27% above Utah avg
▼
Rate4.07%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.27% above avgNationally 2.90%
Details
Additional deposits allowed up to $100,000 cumulative Growth Certificate deposits per primary account holder; dividends paid monthly
Rate History
1 change since Sep 29, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 13, 20264.15%▲ from 4.00%
- Sep 29, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 24 Month
$0
4.12%
▲ 0.24% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.24% above avgNationally 2.90%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.12% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.12%
▲ 0.24% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.24% above avgNationally 2.90%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
24 Month Regular & IRA Certificate
$0
4.10%
▲ 0.22% above Utah avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.22% above avgNationally 2.90%
Details
Minimum Amount: $500.00
Rate History
No change since Oct 12, 2026 · 4.10% APY · checked 3 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
24 Month Certificate
$0
4.10%
▲ 0.22% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.22% above avgNationally 2.90%
Details
Rates effective as of 9/21/2026
Rate History
No change since Oct 19, 2026 · 4.10% APY
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
U-IN-TA 24 Month Share Certificate
$1,000
4.07%
▲ 0.19% above Utah avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.88%▲ 0.19% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.07% APY
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
24 Month Personal Certificates of Deposit
$0
4.06%
▲ 0.18% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.88%▲ 0.18% above avgNationally 2.90%
Details
Term: 24 Months to 35 Months; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 3, 20264.06%▲ from 3.96%
- Sep 28, 20263.96%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
24 Month Personal Individual Retirement Account (IRA) Certificates
$0
4.06%
▲ 0.18% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.88%▲ 0.18% above avgNationally 2.90%
Details
Term: 24 Months to 35 Months; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.06% APY
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificate - 24 Months
$0
4.05%
▲ 0.17% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.88%▲ 0.17% above avgNationally 2.90%
Details
Effective September 18, 2026; Early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.05% APY · checked 2 times
Fort Duchesne 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Preferred Certificate of Deposit (CD)
$1,000
5.10%
▲ 1.32% above Utah avg
▼
Rate5.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.78%▲ 1.32% above avgNationally 2.81%
Details
Increments of $1,000; maximum deposit $50,000,000
Rate History
No change since Oct 14, 2026 · 5.10% APY · checked 2 times
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36 Month Certificate of Deposit (CD)
$2,500
4.60%
▲ 0.82% above Utah avg
▼
Rate4.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.78%▲ 0.82% above avgNationally 2.81%
Details
Rates accurate as of 10/21/2026; Product name is the section heading; rows are printed by term only. Footnote 4: a penalty may be charged for early withdrawal; accurate as of 10/21/2026.
Rate History
No change since Oct 21, 2026 · 4.60% APY
Merrick Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.99%
36 Month High Yield Certificates of Deposit
$25,000
4.60%
▲ 0.82% above Utah avg
▼
Rate4.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.78%▲ 0.82% above avgNationally 2.81%
Details
APY current as of 10/21/2026; single-transaction minimum deposit
Rate History
No change since Oct 22, 2026 · 4.60% APY
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 36 Months
$1,000
4.50%
▲ 0.72% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.78%▲ 0.72% above avgNationally 2.81%
Details
Effective as of October 19, 2026
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificates of Deposit - 36 Months
$1,000
4.50%
▲ 0.72% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.78%▲ 0.72% above avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 7, 20264.50%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificates (CDs) - 36 Months
$1,000
4.48%
▲ 0.70% above Utah avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.70% above avgNationally 2.81%
Details
Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026
Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
- Oct 9, 20264.48%▲ from 4.05%
- Sep 18, 20264.05%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40%
▲ 0.62% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.78%▲ 0.62% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
36 Month Certificates of Deposit
$0
4.40%
▲ 0.62% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.78%▲ 0.62% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
- Sep 27, 20264.40%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
36-Month CD
$0
4.40%
▲ 0.62% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.78%▲ 0.62% above avgNationally 2.81%
Details
Current CD Rate Promotion; APY accurate as of 10/13/2026. Terms and conditions apply.
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 36-Month
$0
4.40%
▲ 0.62% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.62% above avgNationally 2.81%
Details
Minimum Balance: $2,000
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 4 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$0
4.40%
▲ 0.62% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.62% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
36 Month Certificate (CD)
$500
4.40%
▲ 0.62% above Utah avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.62% above avgNationally 2.81%
Details
Early withdrawal penalties may apply.
Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 19, 20264.40%▲ from 4.20%
- Sep 25, 20264.20%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36-Month Certificate
$0
4.35%
▲ 0.57% above Utah avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Certificate Rates; early closure penalties apply
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 4, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Traditional Certificate - 36-Month
$0
4.35%
▲ 0.57% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
APY* Dividend Rate column
Rate History
No change since Oct 23, 2026 · 4.35% APY
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Mo Share CD
$0
4.35%
▲ 0.57% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Printed as APR% on source; When Paid: Quarterly; EW Penalty: 3 mo int.
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate
$500
4.35%
▲ 0.57% above Utah avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month Business Jumbo Share Certificates
$0
4.35%
▲ 0.57% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Minimum balance for Jumbo Share Certificates is $75,000
Rate History
1 change since Oct 13, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 19, 20264.35%▲ from 4.15%
- Oct 13, 20264.15%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month Business Share Certificate
$0
4.35%
▲ 0.57% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 19, 20264.35%▲ from 4.15%
- Oct 5, 20264.15%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month IRA Jumbo Share Certificate
$0
4.35%
▲ 0.57% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Oct 5, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 19, 20264.35%▲ from 4.15%
- Oct 5, 20264.15%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month Jumbo Share Certificates
$75,000
4.35%
▲ 0.57% above Utah avg
▼
Rate4.26%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Sep 17, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 19, 20264.35%▲ from 4.15%
- Sep 17, 20264.15%first recorded
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month Share Certificate - Promo Rate
$5,000
4.35%
▲ 0.57% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Promo Rate ($5,000 Min. New Deposit); Early withdrawal penalty: 180 day interest
Rate History
No change since Oct 19, 2026 · 4.35% APY
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month Share Certificate of Deposit
$5,000
4.35%
▲ 0.57% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.57% above avgNationally 2.81%
Details
Promo Rate ($5,000 Min. New Deposit); Penalty: 180 day interest E/W penalty
Rate History
No change since Oct 19, 2026 · 4.35% APY
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
Share Certificate - 36 Months
$0
4.30%
▲ 0.52% above Utah avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.52% above avgNationally 2.81%
Details
Rate History
1 change since Sep 17, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 23, 20264.30%▲ from 4.00%
- Sep 17, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 0.52% above Utah avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.52% above avgNationally 2.81%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Month Certificate
$500
4.30%
▲ 0.52% above Utah avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.52% above avgNationally 2.81%
Details
Paid Monthly
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 13, 20264.30%▲ from 4.15%
- Sep 14, 20264.15%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Growth Certificate - 36 Month Certificate
$0
4.27%
▲ 0.49% above Utah avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.49% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.27% ▲ 0.72 pts · high 4.27% / low 3.55%
- Oct 13, 20264.27%▲ from 3.55%
- Sep 14, 20263.55%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Share Certificates - 36 Month Certificate
$0
4.27%
▲ 0.49% above Utah avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.49% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.27% ▲ 0.72 pts · high 4.27% / low 3.55%
- Oct 5, 20264.27%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Year CD
$1,000
4.25%
▲ 0.47% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.78%▲ 0.47% above avgNationally 2.81%
Details
Early Withdrawal Penalty applies; displayed rates accurate as of October 1, 2026
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 3, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Business Certificate of Deposit - 3 Years
$25,000
4.25%
▲ 0.47% above Utah avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.78%▲ 0.47% above avgNationally 2.81%
Details
Interest compounds daily and pays monthly; Early withdrawal penalty applies; $15 outgoing wire fee
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Certificate
$0
4.25%
▲ 0.47% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.47% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 5, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Term Share Certificate - 36 Month
$1,000
4.25%
▲ 0.47% above Utah avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.47% above avgNationally 2.81%
Details
Dividend frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
Business CD - 36 Month CD
$1,000
4.20%
▲ 0.42% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.78%▲ 0.42% above avgNationally 2.81%
Details
Rates current as of October 19, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 Year CD
$0
4.20%
▲ 0.42% above Utah avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.42% above avgNationally 2.81%
Details
Comparison to National Average: 1.33%
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 9, 20264.20%▲ from 4.15%
- Sep 29, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
36 Month Certificate
$0
4.20%
▲ 0.42% above Utah avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.42% above avgNationally 2.81%
Details
Rates effective as of 9/21/2026
Rate History
No change since Oct 19, 2026 · 4.20% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 36 Month
$0
4.17%
▲ 0.39% above Utah avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.39% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.17% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.17%
▲ 0.39% above Utah avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.39% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
4 changes since Sep 14, 2026 · 3.91% → 4.17% ▲ 0.26 pts · high 4.17% / low 3.91%
- Oct 23, 20264.17%▲ from 4.12%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 36 Month
$500
4.15%
▲ 0.37% above Utah avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.37% above avgNationally 2.81%
Details
Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month CD
$0
4.15%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.37% above avgNationally 2.81%
Details
Dividend Pays: Quarterly; If you opt for the one-time bump option, the original CD rate will be .25% lower than stated.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 26, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Youth Certificates - 3 Year CD
$0
4.15%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.37% above avgNationally 2.81%
Details
Dividend Pays: Quarterly; No bump option on Youth Certificates; $50,000 max per account; Must be 25 years old or younger; Penalties for withdrawing funds before the end of the designated term may apply
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year High Yield CD
$0
4.10%
▲ 0.32% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.78%▲ 0.32% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 18, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 20, 20264.10%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificate - 36 Months
$0
4.10%
▲ 0.32% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.32% above avgNationally 2.81%
Details
Effective September 18, 2026; Early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.10% APY · checked 2 times
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
36 Month Regular & IRA Certificate
$0
4.10%
▲ 0.32% above Utah avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.32% above avgNationally 2.81%
Details
Minimum Amount: $500.00
Rate History
No change since Oct 12, 2026 · 4.10% APY · checked 3 times
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
U-IN-TA 36 Month Share Certificate
$1,000
4.07%
▲ 0.29% above Utah avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.29% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 4.07% APY
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
36 Month Personal Certificates of Deposit
$0
4.06%
▲ 0.28% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.78%▲ 0.28% above avgNationally 2.81%
Details
Term: 36 Months to 47 Months; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 3, 20264.06%▲ from 3.96%
- Sep 28, 20263.96%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
36 Month Personal Individual Retirement Account (IRA) Certificates
$0
4.06%
▲ 0.28% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.78%▲ 0.28% above avgNationally 2.81%
Details
Term: 36 Months to 47 Months; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.06% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Certificate
$0
4.02%
▲ 0.24% above Utah avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.24% above avgNationally 2.81%
Details
Rate History
3 changes since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
- Oct 23, 20264.02%▲ from 3.86%
- Oct 9, 20263.86%▲ from 3.81%
- Oct 5, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 36 Month
$0
4.02%
▲ 0.24% above Utah avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.24% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.02% APY
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate 36 Month 1 Bump
$500
4.01%
▲ 0.23% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.23% above avgNationally 2.81%
Details
Bump certificate
Rate History
No change since Oct 19, 2026 · 4.01% APY
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
36 Month Certificate - GoldStar
$0
4.00%
▲ 0.22% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.78%▲ 0.22% above avgNationally 2.81%
Details
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 Year Traditional IRA CD
$0
4.00%
▲ 0.22% above Utah avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.78%▲ 0.22% above avgNationally 2.81%
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Fort Duchesne 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month Preferred Certificate of Deposit (CD)
$1,000
5.20%
▲ 1.50% above Utah avg
▼
Rate5.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.70%▲ 1.50% above avgNationally 2.81%
Details
Increments of $1,000; maximum deposit $50,000,000
Rate History
No change since Oct 14, 2026 · 5.20% APY · checked 2 times
Merrick Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.99%
48 Month High Yield Certificates of Deposit
$25,000
4.60%
▲ 0.90% above Utah avg
▼
Rate4.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.70%▲ 0.90% above avgNationally 2.81%
Details
APY current as of 10/21/2026; single-transaction minimum deposit
Rate History
No change since Oct 22, 2026 · 4.60% APY
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
48 Month Certificates of Deposit
$0
4.45%
▲ 0.75% above Utah avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.70%▲ 0.75% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.45% ▲ 0.40 pts · high 4.45% / low 4.05%
- Sep 27, 20264.45%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 48-Month
$0
4.45%
▲ 0.75% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.75% above avgNationally 2.81%
Details
Minimum Balance: $2,000
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 4 times
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 Month Certificate (CD)
$500
4.45%
▲ 0.75% above Utah avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.75% above avgNationally 2.81%
Details
Early withdrawal penalties may apply.
Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
- Oct 19, 20264.45%▲ from 4.25%
- Sep 25, 20264.25%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40%
▲ 0.70% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.70%▲ 0.70% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40%
▲ 0.70% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.70% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Business Jumbo Share Certificates
$0
4.40%
▲ 0.70% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.70% above avgNationally 2.81%
Details
Minimum balance for Jumbo Share Certificates is $75,000
Rate History
1 change since Oct 13, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 19, 20264.40%▲ from 4.20%
- Oct 13, 20264.20%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Business Share Certificate
$0
4.40%
▲ 0.70% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.70% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 19, 20264.40%▲ from 4.20%
- Oct 5, 20264.20%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month IRA Jumbo Share Certificate
$0
4.40%
▲ 0.70% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.70% above avgNationally 2.81%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Oct 5, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 19, 20264.40%▲ from 4.20%
- Oct 5, 20264.20%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Jumbo Share Certificates
$75,000
4.40%
▲ 0.70% above Utah avg
▼
Rate4.31%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.70% above avgNationally 2.81%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Sep 17, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 19, 20264.40%▲ from 4.20%
- Sep 17, 20264.20%first recorded
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
Share Certificate - 48 Months
$0
4.35%
▲ 0.65% above Utah avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.65% above avgNationally 2.81%
Details
Rate History
1 change since Sep 17, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 23, 20264.35%▲ from 4.00%
- Sep 17, 20264.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate
$500
4.35%
▲ 0.65% above Utah avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.65% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Month Certificate
$500
4.35%
▲ 0.65% above Utah avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.65% above avgNationally 2.81%
Details
Paid Monthly
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
- Oct 13, 20264.35%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 0.60% above Utah avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.60% above avgNationally 2.81%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Growth Certificate - 48 Month Certificate
$0
4.27%
▲ 0.57% above Utah avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.57% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.27% ▲ 0.62 pts · high 4.27% / low 3.65%
- Oct 13, 20264.27%▲ from 3.65%
- Sep 14, 20263.65%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Share Certificates - 48 Month Certificate
$0
4.27%
▲ 0.57% above Utah avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.57% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.27% ▲ 0.62 pts · high 4.27% / low 3.65%
- Oct 5, 20264.27%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Term Share Certificate - 48 Month
$1,000
4.25%
▲ 0.55% above Utah avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.55% above avgNationally 2.81%
Details
Dividend frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
U-IN-TA 48 Month Share Certificate
$1,000
4.23%
▲ 0.53% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 4.23% APY
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
Business CD - 48 Month CD
$1,000
4.20%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.70%▲ 0.50% above avgNationally 2.81%
Details
Rates current as of October 19, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 48 Month
$500
4.20%
▲ 0.50% above Utah avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.50% above avgNationally 2.81%
Details
Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
48 Month Certificate
$0
4.20%
▲ 0.50% above Utah avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.50% above avgNationally 2.81%
Details
Rates effective as of 9/21/2026
Rate History
No change since Oct 19, 2026 · 4.20% APY
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificate - 48 Months
$0
4.15%
▲ 0.45% above Utah avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.45% above avgNationally 2.81%
Details
Effective September 18, 2026; Early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 2 times
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
48 Month Regular & IRA Certificate
$0
4.15%
▲ 0.45% above Utah avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.45% above avgNationally 2.81%
Details
Minimum Amount: $500.00
Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.12%
▲ 0.42% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.42% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.12% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.12%
▲ 0.42% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.42% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
- Oct 23, 20264.12%▲ from 4.07%
- Oct 15, 20264.07%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
48 Month Personal Certificates of Deposit
$0
4.06%
▲ 0.36% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.70%▲ 0.36% above avgNationally 2.81%
Details
Term: 48 Months to 59 Months; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 3, 20264.06%▲ from 3.96%
- Sep 28, 20263.96%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
48 Month Personal Individual Retirement Account (IRA) Certificates
$0
4.06%
▲ 0.36% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.70%▲ 0.36% above avgNationally 2.81%
Details
Term: 48 Months to 59 Months; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.06% APY
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate 48 Month 1 Bump
$500
4.06%
▲ 0.36% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.36% above avgNationally 2.81%
Details
Bump certificate
Rate History
No change since Oct 19, 2026 · 4.06% APY
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48 Month Certificate - GoldStar
$0
4.00%
▲ 0.30% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.30% above avgNationally 2.81%
Details
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit 48 Month
$0
4.00%
▲ 0.30% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.30% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 48 months
$1,000
3.99%
▲ 0.29% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.29% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 10 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificate
$0
3.97%
▲ 0.27% above Utah avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.27% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
- Oct 23, 20263.97%▲ from 3.81%
- Oct 5, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 48 Month
$0
3.97%
▲ 0.27% above Utah avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.27% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 3.97% APY
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95%
▲ 0.25% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.25% above avgNationally 2.81%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48 Month Certificate
$0
3.90%
▲ 0.20% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.20% above avgNationally 2.81%
Details
Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 8 times
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4 Years Share Certificate
$500
3.90%
▲ 0.20% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.20% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificates - Traditional & Roth - 4 Years
$5
3.90%
▲ 0.20% above Utah avg
▼
Rate3.83%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▲ 0.20% above avgNationally 2.81%
Details
Rate Type: Fixed; Early withdrawals subject to loss of interest penalty; Rates subject to change
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
4 Year Certificate
$1,000
3.80%
▲ 0.10% above Utah avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▲ 0.10% above avgNationally 2.81%
Details
Early withdrawal penalty: six month penalty (maturities of 3 years or more)
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 Month Certificate
$0
3.80%
▲ 0.10% above Utah avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.70%▲ 0.10% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
48 Month Certificate
$0
3.56%
▼ 0.14% below Utah avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▼ 0.14% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificate
$0
3.29%
▼ 0.41% below Utah avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▼ 0.41% below avgNationally 2.81%
Details
Rates current as of 09/28/2026
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 9 times
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
48 Month Share Certificate
$500
3.25%
▼ 0.45% below Utah avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▼ 0.45% below avgNationally 2.81%
Details
Add 10BP over $25,000.00
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 10 times
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Share Certificate - 48 months
$500
3.25%
▼ 0.45% below Utah avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▼ 0.45% below avgNationally 2.81%
Details
Add 10BP over $25,000.00
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 10 times
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
48 Month Time Certificate of Deposit
$500
3.20%
▼ 0.50% below Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.70%▼ 0.50% below avgNationally 2.81%
Details
Additional .25% bonus for Star and Senior Account customers
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Oct 3, 20263.20%▲ from 3.10%
- Sep 14, 20263.10%first recorded
National JACL Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
4 Year Share Certificate
$1,000
3.15%
▼ 0.55% below Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.70%▼ 0.55% below avgNationally 2.81%
Details
Share Certificates - Regular and IRA
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
First Utah Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
48 Month Fixed Rate CD
$500
3.07%
▼ 0.63% below Utah avg
▼
Rate3.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▼ 0.63% below avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.40% → 3.07% ▼ 0.33 pts · high 3.40% / low 3.07%
- Oct 4, 20263.07%▼ from 3.40%
- Sep 20, 20263.40%first recorded
Green Dot Bank DBA Bonneville Bank
Institution Rating:
B+3.8 ★Texas Ratio: 0.46%
4 Year Certificate
$0
3.04%
▼ 0.66% below Utah avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.70%▼ 0.66% below avgNationally 2.81%
Details
Traditional and Roth IRA certificates available under same terms; Rates Current as of 9/1/2026; Early withdrawal forfeits interest for the month and $50.00 early closure fee if closed within 90 days; Online/in-person account opening: accounts set up exclusively in person at Provo office
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 5 times
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Raise Your Rate CD
$0
3.00%
▼ 0.70% below Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.70%▼ 0.70% below avgNationally 2.81%
Details
No minimum deposit to open; can raise rate up to twice during 4-year term if Ally's rate for the term and balance tier goes up; interest compounded daily; 0.05% Loyalty Reward when renewing (amount may change, check 30 days before maturity); early withdrawal penalty 120 days of interest
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$10,000
3.00%
▼ 0.70% below Utah avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.70%▼ 0.70% below avgNationally 2.81%
Details
Open Online
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Fort Duchesne 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Preferred Certificate of Deposit (CD)
$1,000
5.25%
▲ 1.44% above Utah avg
▼
Rate5.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.81%▲ 1.44% above avgNationally 2.92%
Details
Increments of $1,000; maximum deposit $50,000,000
Rate History
No change since Oct 14, 2026 · 5.25% APY · checked 2 times
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Certificate of Deposit (CD)
$2,500
4.75%
▲ 0.94% above Utah avg
▼
Rate4.64%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Utah Average3.81%▲ 0.94% above avgNationally 2.92%
Details
Rates accurate as of 10/21/2026; Product name is the section heading; rows are printed by term only. Footnote 4: a penalty may be charged for early withdrawal; accurate as of 10/21/2026.
Rate History
No change since Oct 21, 2026 · 4.75% APY
Merrick Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.99%
60 Month High Yield Certificates of Deposit
$25,000
4.65%
▲ 0.84% above Utah avg
▼
Rate4.55%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.81%▲ 0.84% above avgNationally 2.92%
Details
APY current as of 10/21/2026; single-transaction minimum deposit
Rate History
No change since Oct 22, 2026 · 4.65% APY
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 60-Month
$0
4.50%
▲ 0.69% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Minimum Balance: $2,000
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 4 times
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month Certificate (CD)
$500
4.50%
▲ 0.69% above Utah avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Early withdrawal penalties may apply.
Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 19, 20264.50%▲ from 4.30%
- Sep 25, 20264.30%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50%
▲ 0.69% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50%
▲ 0.69% above Utah avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular Certificate
$500
4.50%
▲ 0.69% above Utah avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 19, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Business Jumbo Share Certificates
$0
4.50%
▲ 0.69% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Minimum balance for Jumbo Share Certificates is $75,000
Rate History
1 change since Oct 13, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 19, 20264.50%▲ from 4.30%
- Oct 13, 20264.30%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Business Share Certificate
$0
4.50%
▲ 0.69% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Rate History
1 change since Oct 5, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 19, 20264.50%▲ from 4.30%
- Oct 5, 20264.30%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month IRA Jumbo Share Certificate
$0
4.50%
▲ 0.69% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Oct 5, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 19, 20264.50%▲ from 4.30%
- Oct 5, 20264.30%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Jumbo Share Certificates
$75,000
4.50%
▲ 0.69% above Utah avg
▼
Rate4.40%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Minimum balance to open and earn advertised APY: $75,000
Rate History
1 change since Sep 17, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 19, 20264.50%▲ from 4.30%
- Sep 17, 20264.30%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
5 Year CD
$0
4.50%
▲ 0.69% above Utah avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.92%
Details
Comparison to National Average: 1.34%
Rate History
2 changes since Sep 14, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05%
- Oct 9, 20264.50%▲ from 4.30%
- Sep 29, 20264.30%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificates (CDs) - 60 Months
$1,000
4.48%
▲ 0.67% above Utah avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.67% above avgNationally 2.92%
Details
Early withdrawal penalty may apply; Certificates automatically renew at maturity; Rates effective as of October 2, 2026
Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
- Oct 9, 20264.48%▲ from 4.05%
- Sep 18, 20264.05%▲ from 3.99%
- Sep 14, 20263.99%first recorded
CUP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Mo Share CD
$0
4.45%
▲ 0.64% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.64% above avgNationally 2.92%
Details
Printed as APR% on source; When Paid: Quarterly; EW Penalty: 6 mo int.
Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
Share Certificate - 60 Months
$0
4.45%
▲ 0.64% above Utah avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.64% above avgNationally 2.92%
Details
Rate History
1 change since Sep 17, 2026 · 4.05% → 4.45% ▲ 0.40 pts · high 4.45% / low 4.05%
- Oct 23, 20264.45%▲ from 4.05%
- Sep 17, 20264.05%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.92%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$0
4.40%
▲ 0.59% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.92%
Details
Rate History
No change since Oct 23, 2026 · 4.40% APY
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate
$500
4.40%
▲ 0.59% above Utah avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Month Certificate
$500
4.40%
▲ 0.59% above Utah avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.92%
Details
Paid Monthly
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 13, 20264.40%▲ from 4.25%
- Sep 14, 20264.25%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Growth Certificate - 60 Month Certificate
$0
4.37%
▲ 0.56% above Utah avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.56% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.37% ▲ 0.72 pts · high 4.37% / low 3.65%
- Oct 13, 20264.37%▲ from 3.65%
- Sep 14, 20263.65%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Share Certificates - 60 Month Certificate
$0
4.37%
▲ 0.56% above Utah avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.56% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.37% ▲ 0.72 pts · high 4.37% / low 3.65%
- Oct 5, 20264.37%▲ from 3.65%
- Sep 14, 20263.65%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Bump-Rate Certificate 60 Months
$500
4.35%
▲ 0.54% above Utah avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.92%
Details
Early-withdrawal penalties may apply; Dividends are credited monthly
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month Certificate
$0
4.35%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
- Oct 5, 20264.35%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month HSA Certificate
$0
4.35%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.92%
Details
HSA share certificate; APY = Annual Percentage Yield; rates accurate as of October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
- Oct 5, 20264.35%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30%
▲ 0.49% above Utah avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.49% above avgNationally 2.92%
Details
Rate Effective Date: October 23, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year High Yield CD
$0
4.25%
▲ 0.44% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.92%
Details
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 20, 20264.25%▲ from 4.10%
- Sep 24, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
60 Month Certificates of Deposit
$0
4.25%
▲ 0.44% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 27, 20264.25%▲ from 4.10%
- Sep 18, 20264.10%first recorded
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 Month Certificate
$0
4.25%
▲ 0.44% above Utah avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 60 Month
$500
4.25%
▲ 0.44% above Utah avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.92%
Details
Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
60 Month Certificate
$0
4.25%
▲ 0.44% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.92%
Details
Rates effective as of 9/21/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Term Share Certificate - 60 Month
$1,000
4.25%
▲ 0.44% above Utah avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.92%
Details
Dividend frequency: Quarterly; $1,000 required to open regular and IRA certificate accounts; $500 required to open youth certificate accounts
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
U-IN-TA 60 Month Share Certificate
$1,000
4.23%
▲ 0.42% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 4.23% APY
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
Business CD - 60 Month CD
$1,000
4.20%
▲ 0.39% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Utah Average3.81%▲ 0.39% above avgNationally 2.92%
Details
Rates current as of October 19, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificate - 60 Months
$0
4.20%
▲ 0.39% above Utah avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.39% above avgNationally 2.92%
Details
Effective September 18, 2026; Early withdrawal penalty applies
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 2 times
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
60 Month Regular & IRA Certificate
$0
4.20%
▲ 0.39% above Utah avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.39% above avgNationally 2.92%
Details
Minimum Amount: $500.00
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 3 times
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
60 Month Personal Certificates of Deposit
$0
4.16%
▲ 0.35% above Utah avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.81%▲ 0.35% above avgNationally 2.92%
Details
Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 28, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 3, 20264.16%▲ from 4.06%
- Sep 28, 20264.06%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
60 Month Personal Individual Retirement Account (IRA) Certificates
$0
4.16%
▲ 0.35% above Utah avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.81%▲ 0.35% above avgNationally 2.92%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.16% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 60 Month
$0
4.12%
▲ 0.31% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.31% above avgNationally 2.92%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.12% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.12%
▲ 0.31% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.31% above avgNationally 2.92%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.12% ▲ 0.12 pts · high 4.12% / low 4.00%
- Oct 23, 20264.12%▲ from 4.07%
- Oct 15, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate 60 Month 1 Bump
$500
4.11%
▲ 0.30% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.30% above avgNationally 2.92%
Details
Bump certificate
Rate History
No change since Oct 19, 2026 · 4.11% APY
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 60 months
$1,000
4.10%
▲ 0.29% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.29% above avgNationally 2.92%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
5 Year Certificate
$1,000
4.06%
▲ 0.25% above Utah avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.25% above avgNationally 2.92%
Details
Early withdrawal penalty: six month penalty (maturities of 3 years or more)
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 9 times
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
5 Year Traditional IRA CD
$0
4.05%
▲ 0.24% above Utah avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.24% above avgNationally 2.92%
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
Alpine Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
IRA Certificate 60 Month
$500
4.05%
▲ 0.24% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Utah Average3.81%▲ 0.24% above avgNationally 2.92%
Details
$500 Minimum
Rate History
No change since Oct 22, 2026 · 4.05% APY
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
60 Month Certificate - GoldStar
$0
4.00%
▲ 0.19% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.19% above avgNationally 2.92%
Details
GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit 60 Month
$0
4.00%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.19% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
5 Years Share Certificate
$500
4.00%
▲ 0.19% above Utah avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.19% above avgNationally 2.92%
Details
Rate Type: Fixed
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificates - Traditional & Roth - 5 Years
$5
4.00%
▲ 0.19% above Utah avg
▼
Rate3.92%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Utah Average3.81%▲ 0.19% above avgNationally 2.92%
Details
Rate Type: Fixed; Early withdrawals subject to loss of interest penalty; Rates subject to change
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
5-Year Jump Share Certificate
$0
4.00%
▲ 0.19% above Utah avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.19% above avgNationally 2.92%
Details
Jump during 5-year term; Rates effective as of 02/24/2026; Early Withdrawal Penalty: 180 days of Interest
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 4 times
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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.
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.
Fort Duchesne, UT CD Rate Trends
Compare local Fort Duchesne, 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
3.864%
▼ 0.031 vs 7 days ago
Utah 12-month CD rates fell 0.031 points over the past 7 days to 3.864% APY.
6-Month CD UT Avg
3.714%
▼ 0.022 vs 7 days ago
Utah 6-month CD rates fell 0.022 points over the past 7 days to 3.714% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
UT CD Rate Forecast, Next 12 Months
Where are Utah CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
UT 12-Month Avg APY
3.864%
6-Month Forecast
3.864%
Range: 3.66%, 4.01%
12-Month Forecast
4.114%
Range: 3.91%, 4.26%
Powered by
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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 | 2.582% | $129.11 | $258.22 | $645.55 | $1,291.10 |
| 6-Month CD | 3.714% | $185.68 | $371.36 | $928.40 | $1,856.80 |
| 12-Month CD | 3.864% | $193.19 | $386.38 | $965.95 | $1,931.90 |
| 18-Month CD | 3.897% | $194.85 | $389.69 | $974.23 | $1,948.45 |
| 24-Month CD | 3.878% | $193.89 | $387.78 | $969.45 | $1,938.90 |
| 36-Month CD | 3.785% | $189.24 | $378.48 | $946.20 | $1,892.40 |
| 48-Month CD | 3.698% | $184.89 | $369.78 | $924.45 | $1,848.90 |
| 60-Month CD | 3.811% | $190.53 | $381.05 | $952.63 | $1,905.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Fort Duchesne, 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 | 2.582% | $129.11 |
| 2 | 6-Month CD | $5,000 | 3.714% | $185.68 |
| 3 | 12-Month CD | $5,000 | 3.864% | $193.19 |
| 4 | 24-Month CD | $5,000 | 3.878% | $193.89 |
| 5 | 36-Month CD | $5,000 | 3.785% | $189.24 |
| Total ($25,000 invested) | $25,000 | 3.564% blended | $891.11/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.
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598
CD Rates
Tracked in Fort Duchesne, Utah
Tracked in Fort Duchesne, Utah
32 Banks
49 Credit Unions
About Our Fort Duchesne, Utah CD Rate Database
MonitorBankRates tracks 598 CD rates from 32 banks and 49 credit unions with locations in Fort Duchesne, 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 to 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: Morgan Stanley offers a CD at 5.25% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Fort Duchesne, Utah.
How to Find the Best CD Rates in Fort Duchesne, Utah
What to compare when shopping for a CD in Fort Duchesne, Utah
To find the best APYs in Fort Duchesne, Utah, start with credit unions and online-only banks: Fort Duchesne, Utah has 49 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 Fort Duchesne, 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 Fort Duchesne, Utah: 81 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Fort Duchesne, 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 Fort Duchesne, Utah money market rates
Utah Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
11.9%
National avg: 17.3%
Median Individual Earnings
$43,714
National avg: $47,340
Poverty Rate
8.5%
National avg: 11.1%
Unemployment Rate
3.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$169/yr
At UT 12-mo avg 3.864% APY
11.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy. At today’s UT 12-month CD average of 3.864%, saving 10% of the local median salary ($4,371/year) and putting it in a CD would earn an additional $169 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 Fort Duchesne, 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 to 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 Fort Duchesne, 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 Fort Duchesne, 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 Fort Duchesne, Utah as everywhere in the U.S.
Choosing a CD Term in Fort Duchesne, 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 Fort Duchesne, Utah savers easier access to their funds. For example, Happen Bank is offering its 6 Month Consumer Certificate of Deposit at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Morgan Stanley is offering its 60 Month Preferred Certificate of Deposit (CD) at 5.25% 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 Fort Duchesne, 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 Fort Duchesne, 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 Fort Duchesne, 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 Fort Duchesne, 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 Fort Duchesne, Utah
Most CDs carry a fixed rate that is locked for the entire term, protecting a Fort Duchesne, 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 Fort Duchesne, Utah
Are CD rates in Fort Duchesne, Utah FDIC insured?
Yes, most established banks in Fort Duchesne, 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 Fort Duchesne, 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 Fort Duchesne, 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 Fort Duchesne, 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 Fort Duchesne, Utah?
Here are recent top rates found for this area:
- Morgan Stanley: 5.25% APY (60 Month Preferred Certificate of Deposit (CD))
- P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
- Merrick Bank: 4.91% APY (24 Month High Yield Certificates of Deposit)
- Sallie Mae: 4.75% APY (60 Month Certificate of Deposit (CD))
- Austin Capital Bank: 4.58% APY (3 Month Certificate of Deposit)
- Quill Bank: 4.50% APY (Business CD - 36 Months)
- Utah First Federal Credit Union: 4.50% APY (Traditional and IRA Term Deposit - 24-Month)
- Cyprus Federal Credit Union: 4.50% APY (60 Month Certificate (CD))
- Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
- America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
Rates reflect recent verified offers available in Fort Duchesne, Utah. Last Updated: October 23, 2026
Fort Duchesne, 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 Fort Duchesne, Utah rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
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Ending Balance
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Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Fort Duchesne, Utah
Fort Duchesne, Utah CD Calculator
At today’s UT top rate of 5.25% APY, a $10,000 deposit earns $525 in the first year. Enter your amount to see your exact return.
Fort Duchesne, Utah CD LadderUT CD rates currently range from 2.582% (3-month) to 3.785% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Fort Duchesne, Utah CD at 5.25% APY, know your exit cost. Most institutions charge 90 to 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 3.864% 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 Fort Duchesne, 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 Fort Duchesne, 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 Fort Duchesne, 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: October 23, 2026
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