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CD Rates Heber City, Utah (UT) for April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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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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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 22, 2026

Current Heber City, Utah CD rates include UTAH COMMUNITYUTAH COMMUNITY875 S Main St, Heber City, UT 84032 2464C3.8 ★Texas Ratio: 29.46%Real return: +1.40%APY minus CPI (February 2026) offering 24 Months Savings Certificates (Standard) at 4.20% APY, Bank of UtahBank of Utah620 W 100 S, Heber City, UT 84032A+5.0 ★Texas Ratio: 0.00%Real return: +1.26%APY minus CPI (February 2026) offering Certificate of Deposit 3-Month Term at 4.06% APY, Grand Valley BankGrand Valley Bank191 E Gateway Dr, Heber City, UT 84032A5.0 ★Texas Ratio: 11.80%Real return: +0.40%APY minus CPI (February 2026) offering Time Certificates of Deposit 12 Months at 3.20% APY, Wells FargoWells Fargo5 S Main St, Heber City, UT 84032A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY, and Utah Power Credit UnionUtah Power Credit UnionA+5.0 ★Texas Ratio: 1.01%Real return: +1.70%APY minus CPI (February 2026) offering Certificate of Deposits 12-Month at 4.50% APY. CD rates as of April 22, 2026 according to verified data from MonitorBankRates.

Heber City has 18 local institutions in our database, with CD rates as high as 4.20% APY from UTAH COMMUNITY at 875 S Main St, Heber City, UT 84032 2464. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Utah area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 22, 2026

Compare Best CD Rates in Heber City, Utah & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
620 W 100 S, Heber City, UT 84032
Certificate of Deposit 3-Month Term
$0
4.06%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT 84032 2464
3 Months Savings Certificates (Standard)
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Time Certificates of Deposit 3 Months
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

.25% bonus for Star and Senior Accounts!

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5 S Main St, Heber City, UT 84032
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details

Early withdrawal penalties may apply

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
3 month Super CD
$0
4.20%
View
▼
Rate4.13%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

***

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Month CD
$0
3.86%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

**

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
3-month CD
$1,500
3.80%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 22, 2026
Details

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Preferred Certificate of Deposit (CD) 3-month
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 90 Day Fixed Rate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
3 MONTH CD
$500
2.01%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 MONTH CERTIFICATE
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
3-Month CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Share Certificates 3 Months
$0
0.05%
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Regular Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT 84032 2464
Youth Savings Certificates (Standard) 6 Months
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Time Certificates of Deposit 6 Months
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

.25% bonus for Star and Senior Accounts!

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5 S Main St, Heber City, UT 84032
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details

Early withdrawal penalties may apply

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6-Month CD
$0
4.08%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Preferred Certificate of Deposit (CD) 6-month
$0
4.04%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 22, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
6-month CD
$1,500
4.00%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 22, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
6-Month CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.21%
6-Month Certificate of Deposit
$500
3.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 month Certificate of Deposit
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Share Certificates 6 Months
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Regular Rates

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
6 Month Certificates of Deposit
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
6 month Term Share Certificates
$1,000
3.90%
View
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
6 Month CD
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
6 Month CD
$0
3.86%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

**

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6 month Certificate (CD)
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
3.85%
View
▼
Rate3.78%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6-Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 MONTH CERTIFICATE
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6 MONTH CD
$500
3.75%
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
6 mos Savings Certificates
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6-Month Traditional and IRA Term Deposit
$2,000
3.75%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 22, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
6 month CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 Month Share Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 6 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 6 Month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
6 Months Share Certificates
$10,000
3.29%
View
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
6 months CD
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6 month Share Certificate
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
6 Months Share Certificates
$500
2.75%
View
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6 Month Certificate
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
6 Month Certificate
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
6-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT 84032 2464
12 Months Savings Certificates (Standard)
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Time Certificates of Deposit 12 Months
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

.25% bonus for Star and Senior Accounts!

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5 S Main St, Heber City, UT 84032
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details

Early withdrawal penalties may apply

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Certificate of Deposits 12-Month
$500
4.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
12-Month CD
$0
4.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
12-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 22, 2026
Details

FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.21%
12-Month Certificate of Deposit
$500
4.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Business Share Certificates 12 Months
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
12 Month CD
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 month Term Share Certificates
$1,000
3.95%
View
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
12 month Certificate (CD)
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
12 Month CD
$1,000
3.90%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$10,000
3.90%
View
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12-Month Traditional and IRA Term Deposit
$2,000
3.90%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 22, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
12 MONTH CD
$500
3.86%
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
1 Year CD
$0
3.86%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

**

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
1-Year CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 22, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
12 months CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12 MONTH - ADD ON CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Share Certificate 12 Month Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1-Year CD
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1 Year Youth Share Certificates
$250
3.75%
View
▼
Rate3.69%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
1 year CD
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12-Month CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
12 Months Share Certificates
$10,000
3.55%
View
▼
Rate3.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1 Year Certificates of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 12 Month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 12 Month Fixed Rate
$0
3.40%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1 Year Share Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month CD
$1,000
3.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
1 Year Certificate
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
12-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
Flex Certificates 1 year
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
18-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 22, 2026
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
18 months CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
18 month Certificate (CD)
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
18 month Term Share Certificates
$1,000
3.95%
View
▼
Rate3.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$10,000
3.90%
View
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18-Month Traditional and IRA Term Deposit
$2,000
3.90%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 22, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18-Month CD
$1,000
3.90%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
18 Month CD
$1,000
3.87%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
18-month CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 22, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
18 Months Share Certificates
$1,000
3.73%
View
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
18 mos Savings Certificates
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
18 Month Certificates of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 18 Month Fixed Rate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
18 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
18 Months Share Certificate
$0
1.60%
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT 84032 2464
24 Months Savings Certificates (Standard)
$0
4.20%
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Time Certificates of Deposit 24 Months
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

.25% bonus for Star and Senior Accounts!

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Certificate of Deposits 24-Month
$500
4.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Share Certificates 24 Months
$0
4.10%
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Regular Rates

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
24 month Certificate (CD)
$0
4.05%
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month CD
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
24-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 22, 2026
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 month Term Share Certificates
$1,000
4.00%
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
2 1/2-Year CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 22, 2026
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
24 months CD
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
2-year CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 22, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
2 year CD
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
24 Month CD
$1,000
3.82%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
24-Month CD
$1,000
3.80%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
2 Years Share Certificates
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
24 Months Share Certificates
$10,000
3.51%
View
▼
Rate3.46%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2 Year Certificates of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$10,000
3.50%
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 24 Month
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
2 Year Certificate
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 24 Month Fixed Rate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate
$0
2.47%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
24 MONTH CD
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
2 year Bump-up CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

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

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2 Years Share Certificate
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
24-Month Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
2 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

**

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT 84032 2464
36 Months Savings Certificates (Standard)
$0
4.05%
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Time Certificates of Deposit 36 Months
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

.25% bonus for Star and Senior Accounts!

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Share Certificates 36 Months
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Regular Rates

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
36-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 22, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
36 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 month Term Share Certificates
$1,000
4.00%
View
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 Month CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
36 months CD
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 22, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
3-year CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 22, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
36 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
36 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
36-Month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3 Years Share Certificates
$500
3.64%
View
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Banterra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
36-Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
36 Months Share Certificates
$10,000
3.56%
View
▼
Rate3.51%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
3 Year Certificate
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 36 Month
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
3 year CD
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36 MONTH CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
3-Year CD
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 36 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Continental Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
3 year High Yield CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No fees, commissions or spreads

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
3 Years Share Certificate
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

**

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
36-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT 84032 2464
48 Months Savings Certificates (Standard)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Time Certificates of Deposit 48 Months
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

.25% bonus for Star and Senior Accounts!

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
48 month Term Share Certificates
$1,000
4.05%
View
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Share Certificates 48 Months
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Regular Rates

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
48-month GoldStar? Membership Certificate
$5
4.00%
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedApr 22, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
48 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
48-Month Traditional and IRA Term Deposit
$2,000
3.95%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 22, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
4-year CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 22, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
4 Year Certificate
$1,000
3.80%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
48 MONTH CERTIFICATE
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
48 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4 Years Share Certificates
$500
3.70%
View
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 48 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 48 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
4 Years Share Certificate
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.37%
48-Month Certificate
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT 84032 2464
Youth Savings Certificates (Standard) 60 Months
$0
4.05%
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
191 E Gateway Dr, Heber City, UT 84032
Time Certificates of Deposit 60 Month
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

.25% bonus for Star and Senior Accounts!

Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 month Term Share Certificates
$1,000
4.10%
View
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Share Certificates 60 Months
$0
4.05%
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Regular Rates

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
6 to 60-Month GoldStar? Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Rate is 0.100% APY lower for non-GoldStar? members

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
60 months CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
60 month Certificate (CD)
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60-Month Traditional and IRA Term Deposit
$2,000
4.00%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 22, 2026
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
60 MONTH CERTIFICATE
$0
4.00%
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
5 Year Certificate
$1,000
3.96%
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
5 Years Share Certificates
$500
3.85%
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
5-year CD
$1,500
3.85%
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedApr 22, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
60 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 60 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
5 Year Certificates of Deposit
$500
3.40%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 MONTH CD
$500
3.34%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60-Month CD
$1,000
3.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
48-60 Months Share Certificates
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
5 year CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$10,000
3.00%
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 60 Month Fixed Rate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
60 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
5 Years Share Certificate
$0
1.80%
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
5 Year CD
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

**

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Heber City, Utah Institutions

Highest verified APYs available today — updated April 22, 2026

B Top 5 Bank Rates
UTAH COMMUNITY
24 Months Savings Certificates (Standard)
C 3.8 ★ TX: 29.46%
Min: $0
4.20%
Bank of Utah
Certificate of Deposit 3-Month Term
A+ 5.0 ★ TX: 0.00%
Min: $0
4.06%
Grand Valley Bank
Time Certificates of Deposit 12 Months
A 5.0 ★ TX: 11.80%
Min: $0
3.20%
Wells Fargo
1 year Standard Fixed Rate CD
A 5.0 ★ TX: 7.44%
Min: $2,500
1.51%
LimeLight Bank
6-Month CD
A 5.0 ★ TX: 12.00%
Min: $0
4.08%
CU Top 5 Credit Union Rates
Utah Power Credit Union
Certificate of Deposits 12-Month
A+ 5.0 ★ TX: 1.01%
Min: $500
4.50%
Desert Rivers Federal Credit Union
3 month Super CD
A 5.0 ★ TX: 9.83%
Min: $0
4.20%
Deseret First Federal Credit Union
Share Certificates 24 Months
A 5.0 ★ TX: 7.12%
Min: $0
4.10%
Freedom Credit Union
60 month Term Share Certificates
A+ 5.0 ★ TX: 0.27%
Min: $1,000
4.10%
Cyprus Federal Credit Union
24 month Certificate (CD)
A+ 5.0 ★ TX: 2.42%
Min: $0
4.05%
Rates verified April 22, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Heber City, UT CD Rate Trends

Compare local Heber City, UT CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Utah CD Trends →
12-Month CD — UT Avg
3.145%
▼ 0.264 vs 7 days ago

Utah 12-month CD rates fell 0.264 points over the past 7 days to 3.145% APY.

6-Month CD — UT Avg
2.643%
▼ 0.627 vs 7 days ago

Utah 6-month CD rates fell 0.627 points over the past 7 days to 2.643% APY.

As of Apr 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

UT CD Rate Forecast — Next 12 Months

Where are Utah CD rates headed through April 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

UT 12-Month Avg APY
3.145%
6-Month Forecast
3.145%
Range: 2.95% – 3.30%
12-Month Forecast
2.895%
Range: 2.70% – 3.05%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Utah average 12-month CD APY in our database.

Spread model: The Utah 12-month CD average currently trades 1.23% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

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 2.343% $117.14 $234.27 $585.68 $1,171.35
6-Month CD 2.643% $132.16 $264.31 $660.78 $1,321.55
12-Month CD 3.145% $157.26 $314.52 $786.30 $1,572.60
18-Month CD 3.798% $189.91 $379.82 $949.55 $1,899.10
24-Month CD 3.799% $189.96 $379.91 $949.78 $1,899.55
36-Month CD 3.860% $192.99 $385.97 $964.93 $1,929.85
48-Month CD 3.896% $194.78 $389.56 $973.90 $1,947.80
60-Month CD 3.908% $195.41 $390.81 $977.03 $1,954.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 22, 2026.

Sample CD Ladder for Heber City, 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.

Build Your Ladder →
Rung Term Deposit UT Avg APY Annual Earnings
1 3-Month CD $5,000 2.343% $117.14
2 6-Month CD $5,000 2.643% $132.16
3 12-Month CD $5,000 3.145% $157.26
4 24-Month CD $5,000 3.799% $189.96
5 36-Month CD $5,000 3.860% $192.99
Total ($25,000 invested) $25,000 3.158% blended $789.51/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.

41
Institutions
in Heber City, Utah
20 Banks 21 Credit Unions

About Our Heber City, Utah CD Rate Database

MonitorBankRates tracks CD rates from 20 banks and 21 credit unions with locations in Heber City, Utah, plus national online institutions available to Utah residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.

Current top rate: UTAH COMMUNITY offers a CD at 4.20% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Heber City, Utah.

How to Find the Best CD Rates in Heber City, Utah

What to compare when shopping for a CD in Heber City, Utah

To find the best APYs in Heber City, Utah, start with credit unions and online-only banks — Heber City, Utah has 21 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 Heber City, 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 Heber City, Utah — 41 institutions here report CD rates

Consider an Alternative If…

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
$137/yr
At UT 12-mo avg 3.145% 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 3.145%, saving 10% of the local median salary ($4,371/year) and putting it in a CD would earn an additional $137 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 Heber City, Utah

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

Frequently Asked Questions about CD Rates in Heber City, Utah

Are CD rates in Heber City, Utah FDIC insured?

Yes, most established banks in Heber City, 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 Heber City, 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 Heber City, 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 Heber City, 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 Heber City, Utah?

Here are recent top rates found for this area:
  • UTAH COMMUNITY: 4.20% APY (24 Months Savings Certificates (Standard))
  • Bank of Utah: 4.06% APY (Certificate of Deposit 3-Month Term)
  • Grand Valley Bank: 3.20% APY (Time Certificates of Deposit 12 Months)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
  • Utah Power Credit Union: 4.50% APY (Certificate of Deposits 12-Month)
  • Desert Rivers Federal Credit Union: 4.20% APY (3 month Super CD)
  • Deseret First Federal Credit Union: 4.10% APY (Share Certificates 24 Months)
  • Freedom Credit Union: 4.10% APY (60 month Term Share Certificates)
  • LimeLight Bank: 4.08% APY (6-Month CD)
  • Cyprus Federal Credit Union: 4.05% APY (24 month Certificate (CD))
Rates reflect recent verified offers available in Heber City, Utah. Last Updated: April 22, 2026

CD Calculators for Heber City, Utah

Heber City, Utah CD Calculator

At today’s UT top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.

Heber City, Utah CD Ladder

UT CD rates currently range from 2.343% (3-month) to 3.860% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Heber City, Utah CD at 4.20% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Utah’s average 12-month CD is 3.145% 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

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

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

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 22, 2026

Heber City, Utah Rates & Resources

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