Kaysville, 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.
Kaysville, Utah CD rates range from 0.05% to 5.25% APY, verified by MonitorBankRates as of October 19, 2026. Current Kaysville, Utah CD rates include Austin Capital BankAustin Capital Bank475 N 300 W, Kaysville, UT 84037A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union195 N 400 W, Kaysville, UT 84037 1836A5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, America First Federal Credit UnionAmerica First Federal Credit Union326 N Main St, Kaysville, UT 84037 1106A5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate Account at 4.50% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union131 W 200 N, Kaysville, UT 84037A+5.0 ★Texas Ratio: 2.69%Real return: +1.65%APY minus CPI (February 2026) offering 24 Month Certificate at 4.45% APY, and Wells FargoWells Fargo250 N Main St, Kaysville, UT 84037A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD - Relationship at 1.51% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Kaysville has 25 local institutions in our database, with CD rates as high as 4.58% APY from Austin Capital Bank at 475 N 300 W, Kaysville, UT 84037. 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, 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 19, 2026
Compare Best CD Rates in Kaysville, Utah & the Surrounding Area
Kaysville 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%
475 N 300 W, Kaysville, UT 84037
3 Month CD
$1,000
4.58%
▲ 2.11% above Utah avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average2.47%▲ 2.11% above avgNationally 2.12%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
131 W 200 N, Kaysville, UT 84037
3 Month Certificate
$500
3.90%
▲ 1.43% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▲ 1.43% above avgNationally 2.12%
Details
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
250 N Main St, Kaysville, UT 84037
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.41% below Utah avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▼ 2.41% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
250 N Main St, Kaysville, UT 84037
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.42% below Utah avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▼ 2.42% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Preferred Certificate of Deposit (CD)
$1,000
4.27%
▲ 1.80% above Utah avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▲ 1.80% above avgNationally 2.12%
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 4.27% APY
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$0
3.96%
▲ 1.49% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▲ 1.49% above avgNationally 2.12%
Details
Minimum account balance of $2,500; APY assumes interest remains on deposit in the CD until maturity; a withdrawal will reduce earnings
Rate History
No change since Oct 14, 2026 · 3.96% APY
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
3-month CD
$1,500
3.95%
▲ 1.48% above Utah avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▲ 1.48% above avgNationally 2.12%
Details
Retirement CD (IRA); fixed rate; early withdrawal penalty applies; automatically renews at maturity
Rate History
1 change since Sep 18, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- Oct 14, 20263.95%▲ from 3.90%
- Sep 18, 20263.90%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.38% above Utah avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▲ 1.38% above avgNationally 2.12%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 Month Certificate
$500
3.85%
▲ 1.38% above Utah avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▲ 1.38% above avgNationally 2.12%
Details
Paid Monthly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 Month Super CD
$0
3.65%
▲ 1.18% above Utah avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▲ 1.18% above avgNationally 2.12%
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%
Business Certificate of Deposit - 90 Day Fixed Rate
$100
3.50%
▲ 1.03% above Utah avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▲ 1.03% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50%
▲ 1.03% above Utah avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average2.47%▲ 1.03% above avgNationally 2.12%
Details
Rate Effective Date: October 15, 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 Certificates of Deposit
$500
3.20%
▲ 0.73% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▲ 0.73% above avgNationally 2.12%
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%
▲ 0.33% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▲ 0.33% above avgNationally 2.12%
Details
No minimum deposit to open
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%
▼ 0.20% below Utah avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▼ 0.20% below avgNationally 2.12%
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%
▼ 0.71% below Utah avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▼ 0.71% below avgNationally 2.12%
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%
▼ 1.87% below Utah avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▼ 1.87% below avgNationally 2.12%
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%
▼ 1.97% below Utah avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▼ 1.97% below avgNationally 2.12%
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%
▼ 2.27% below Utah avg
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▼ 2.27% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 4 times
Continental Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
90 Days Certificate of Deposit
$0
0.20%
▼ 2.27% below Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average2.47%▼ 2.27% below avgNationally 2.12%
Details
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 2.37% below Utah avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▼ 2.37% below avgNationally 2.12%
Details
Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.37% below Utah avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▼ 2.37% below avgNationally 2.12%
Details
Balance: $90,000 and over; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
3-Month CD
$0
0.10%
▼ 2.37% below Utah avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▼ 2.37% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 2.42% below Utah avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▼ 2.42% below avgNationally 2.12%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.42% below Utah avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average2.47%▼ 2.42% below avgNationally 2.12%
Details
Balance: $1,000 - $89,999; 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%
▼ 2.42% below Utah avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▼ 2.42% below avgNationally 2.12%
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%
▼ 2.42% below Utah avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▼ 2.42% below avgNationally 2.12%
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%
▼ 2.42% below Utah avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average2.47%▼ 2.42% below avgNationally 2.12%
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
Kaysville 6 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%
475 N 300 W, Kaysville, UT 84037
6 Month CD
$1,000
4.30%
▲ 0.56% above Utah avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average3.74%▲ 0.56% above avgNationally 2.79%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
131 W 200 N, Kaysville, UT 84037
6 Month Certificate
$500
4.00%
▲ 0.26% above Utah avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.26% above avgNationally 2.79%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
250 N Main St, Kaysville, UT 84037
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 3.68% below Utah avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▼ 3.68% below avgNationally 2.79%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
250 N Main St, Kaysville, UT 84037
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 3.69% below Utah avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▼ 3.69% below avgNationally 2.79%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month Preferred Certificate of Deposit (CD)
$1,000
4.40%
▲ 0.66% above Utah avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.66% above avgNationally 2.79%
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 4.40% APY
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
6 Month Business CD
$1,000
4.30%
▲ 0.56% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.56% above avgNationally 2.79%
Details
Effective as of October 14, 2026; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 6 Months
$1,000
4.30%
▲ 0.56% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.56% above avgNationally 2.79%
Details
Business certificate of deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificate of Deposit - 6 Months
$1,000
4.30%
▲ 0.56% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.56% above avgNationally 2.79%
Details
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
$500
4.30%
▲ 0.56% above Utah avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.56% above avgNationally 2.79%
Details
Promotional certificate; funded with new deposits only; $100 minimum if under 18 years old
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 7 times
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Consumer Certificate of Deposit - 6 months
$500
4.30%
▲ 0.56% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.56% above avgNationally 2.79%
Details
Maximum opening deposit $500,000.00; Guaranteed rate for the duration of the CD term; Rates may change prior to account opening
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 8, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD
$0
4.26%
▲ 0.52% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.52% above avgNationally 2.79%
Details
Minimum account balance of $2,500; APY assumes interest remains on deposit in the CD until maturity; a withdrawal will reduce earnings
Rate History
No change since Oct 14, 2026 · 4.26% APY
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month Homebuyer Certificate
$0
4.25%
▲ 0.51% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.51% above avgNationally 2.79%
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
Kings Peak Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.27%
U-IN-TA 6 Month Share Certificate
$1,000
4.23%
▲ 0.49% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.49% above avgNationally 2.79%
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
$500
4.22%
▲ 0.48% above Utah avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.48% above avgNationally 2.79%
Details
Term: 6 Months to 11 Months; Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
- Oct 14, 20264.22%▲ from 4.11%
- Sep 14, 20264.11%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6 Month Certificate
$500
4.11%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.37% above avgNationally 2.79%
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%
▲ 0.36% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.36% above avgNationally 2.79%
Details
Open a CD online with a $500 Minimum Deposit; APY accurate as of today assuming interest and principal remain on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.10% APY
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Individual Retirement Account (IRA) - Fixed IRA 6 Month
$100
4.10%
▲ 0.36% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.36% above avgNationally 2.79%
Details
Min. To Open and Earn APY; Traditional or Roth IRA certificate; In-Branch Only
Rate History
No change since Oct 14, 2026 · 4.10% APY
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
IRA Certificate - 6 Month
$100
4.10%
▲ 0.36% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.36% above avgNationally 2.79%
Details
Traditional or Roth IRA; In-Branch Only
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 5 times
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
4.10%
▲ 0.36% above Utah avg
▼
Rate4.02%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.36% above avgNationally 2.79%
Details
Open Online; Each Individual limited to $250,000 in any one or combination of Online Certificate Accounts
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%
▲ 0.36% above Utah avg
▼
Rate4.02%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.36% above avgNationally 2.79%
Details
Individual Retirement Accounts; Open Online
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate 6 Months
$1,000
4.06%
▲ 0.32% above Utah avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.32% above avgNationally 2.79%
Details
Early withdrawal penalty may apply; certificates automatically renew at maturity
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%
6-month CD
$1,500
4.05%
▲ 0.31% above Utah avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.31% above avgNationally 2.79%
Details
Retirement CD (IRA); fixed rate; early withdrawal penalty applies; automatically renews at maturity
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 14, 20264.05%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
Certificates of Deposit - 6 Months
$0
4.00%
▲ 0.26% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.26% above avgNationally 2.79%
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
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%
▲ 0.26% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.26% above avgNationally 2.79%
Details
APY*
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 3 times
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Certificate - 6-month - GoldStar Membership
$0
4.00%
▲ 0.26% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.26% above avgNationally 2.79%
Details
GoldStar Membership rate; additional GoldStar membership requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6-Month Certificate
$0
4.00%
▲ 0.26% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.26% above avgNationally 2.79%
Details
Certificate Rates; APY = annual percentage yield; 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
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6 Month Certificate (CD)
$500
4.00%
▲ 0.26% above Utah avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.26% above avgNationally 2.79%
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
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
6 Month CD
$0
4.00%
▲ 0.26% above Utah avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.26% above avgNationally 2.79%
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%
▲ 0.22% above Utah avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.22% above avgNationally 2.79%
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%
▲ 0.21% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
2 changes since Sep 18, 2026 · 4.35% → 3.95% ▼ 0.40 pts · high 4.40% / low 3.95%
- Oct 14, 20263.95%▼ from 4.40%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 months High-Yield CD
$500
3.95%
▲ 0.21% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
Details
Early Withdrawal Penalty: Yes
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
6 Month Share Certificates
$0
3.95%
▲ 0.21% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
Details
Rate History
1 change since Oct 5, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- Oct 15, 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 Business Jumbo Share Certificates
$0
3.95%
▲ 0.21% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
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%
▲ 0.21% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
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%
▲ 0.21% above Utah avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
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%
▲ 0.21% above Utah avg
▼
Rate3.87%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
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%
▲ 0.21% above Utah avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
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%
▲ 0.21% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
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%
▲ 0.21% above Utah avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
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%
▲ 0.21% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.21% above avgNationally 2.79%
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%
Certificate - 6-month
$0
3.90%
▲ 0.16% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.16% above avgNationally 2.79%
Details
Regular & IRA certificate; early withdrawal penalty is 180 days of dividends (minimum $25 may apply); Dedicated Saver minimum balance $5+ with automatic transfers of at least $5 per month
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%
▲ 0.16% above Utah avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.16% above avgNationally 2.79%
Details
Balance: $500.00 - $49,999.99; Column labeled APR shown as 3.844%
Rate History
No change since Oct 12, 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%
▲ 0.16% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.16% above avgNationally 2.79%
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%
▲ 0.16% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.16% above avgNationally 2.79%
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%
▲ 0.16% above Utah avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.16% above avgNationally 2.79%
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%
▲ 0.16% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.16% above avgNationally 2.79%
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%
▲ 0.11% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.74%▲ 0.11% above avgNationally 2.79%
Details
No minimum deposit to open
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%
▲ 0.11% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.11% above avgNationally 2.79%
Details
Minimum balance to earn stated APY: $500; Penalties may apply for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85%
▲ 0.11% above Utah avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.74%▲ 0.11% above avgNationally 2.79%
Details
Rate Effective Date: October 15, 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%
▲ 0.11% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.74%▲ 0.11% above avgNationally 2.79%
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
Kaysville 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
195 N 400 W, Kaysville, UT 84037 1836
12 Month Certificate
$0
4.05%
▲ 0.15% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.15% above avgNationally 3.00%
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%
131 W 200 N, Kaysville, UT 84037
12 Month Certificate
$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 3.00%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
475 N 300 W, Kaysville, UT 84037
12 Month CD
$1,000
4.00%
▲ 0.10% above Utah avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average3.90%▲ 0.10% above avgNationally 3.00%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 7, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
131 W 200 N, Kaysville, UT 84037
12 Month Flex Certificate (regular only)
$50
3.80%
▼ 0.10% below Utah avg
▼
Rate3.74%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▼ 0.10% below avgNationally 3.00%
Details
Regular only; maximum $250,000 per account
Rate History
No change since Oct 19, 2026 · 3.80% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
250 N Main St, Kaysville, UT 84037
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 2.39% below Utah avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▼ 2.39% below avgNationally 3.00%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
250 N Main St, Kaysville, UT 84037
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 2.40% below Utah avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▼ 2.40% below avgNationally 3.00%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate - STUDENT Accounts
$100
5.00%
▲ 1.10% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 1.10% above avgNationally 3.00%
Details
Maximum $10,000; Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month Preferred Certificate of Deposit (CD)
$1,000
4.60%
▲ 0.70% above Utah avg
▼
Rate4.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.70% above avgNationally 3.00%
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 4.60% APY
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
Certificate of Deposit 12-Month
$500
4.50%
▲ 0.60% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.60% above avgNationally 3.00%
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%
▲ 0.60% above Utah avg
▼
RateN/A
Min Deposit$9
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.60% above avgNationally 3.00%
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%
1-year CD
$1,500
4.45%
▲ 0.55% above Utah avg
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.55% above avgNationally 3.00%
Details
Retirement CD (IRA); fixed rate; early withdrawal penalty applies; automatically renews at maturity
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 14, 20264.45%▲ from 4.25%
- Sep 18, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield CD
$500
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 6, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12 Month Certificates of deposit (CDs)
$2,500
4.40%
▲ 0.50% above Utah avg
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 14, 20264.40%▲ from 4.30%
- Sep 27, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12-month CD
$2,500
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Advertised interest rate and APY may change after maturity; personal accounts only; penalty for early withdrawal
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 14, 20264.40%▲ from 4.30%
- Sep 27, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 12 months
$2,500
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Minimum deposit and balance $2,500; FDIC-insured
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 14, 20264.40%▲ from 4.30%
- Sep 27, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
12 Month Business CD
$1,000
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Effective as of October 14, 2026; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 12 Months
$1,000
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Business certificate of deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificate of Deposit - 12 Months
$1,000
4.40%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
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%
▲ 0.50% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Open a CD online with a $500 Minimum Deposit; APY accurate as of today assuming interest and principal remain on deposit until maturity; Online Only
Rate History
No change since Oct 14, 2026 · 4.40% APY
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificates of deposit (CDs) - 12 months
$2,500
4.40%
▲ 0.50% above Utah avg
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.50% above avgNationally 3.00%
Details
Rate History
No change since Oct 10, 2026 · 4.40% APY · checked 2 times
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1 Year CD
$0
4.36%
▲ 0.46% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.46% above avgNationally 3.00%
Details
Minimum account balance of $2,500; APY assumes interest remains on deposit in the CD until maturity; a withdrawal will reduce earnings
Rate History
No change since Oct 14, 2026 · 4.36% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$100,000
4.35%
▲ 0.45% above Utah avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.45% above avgNationally 3.00%
Details
Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Oct 5, 20264.25%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%
▲ 0.40% above Utah avg
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.40% above avgNationally 3.00%
Details
Open Online; Each Individual limited to $250,000 in any one or combination of Online Certificate Accounts
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%
▲ 0.40% above Utah avg
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.40% above avgNationally 3.00%
Details
Individual Retirement Accounts; Open Online
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%
▲ 0.40% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.40% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 4.30% APY
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
Certificates of Deposit - 12 Months
$0
4.25%
▲ 0.35% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.35% above avgNationally 3.00%
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
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%
▲ 0.35% above Utah avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.35% above avgNationally 3.00%
Details
Add On Certificate
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25%
▲ 0.35% above Utah avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.35% above avgNationally 3.00%
Details
Rate Effective Date: October 15, 2026
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 4 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%
▲ 0.35% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.35% above avgNationally 3.00%
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%
▲ 0.35% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.35% above avgNationally 3.00%
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%
▲ 0.33% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.33% above avgNationally 3.00%
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
$500
4.22%
▲ 0.32% above Utah avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.32% above avgNationally 3.00%
Details
Term: 12 Months to 23 Months; Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
- Oct 14, 20264.22%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
12 Month High Yield CD
$0
4.15%
▲ 0.25% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.25% above avgNationally 3.00%
Details
No minimum deposit to open
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month Certificate
$500
4.11%
▲ 0.21% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.21% above avgNationally 3.00%
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%
▲ 0.20% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.20% above avgNationally 3.00%
Details
Early withdrawal penalty: 90 days' simple interest; Interest compounds daily and pays monthly; 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
$0
4.10%
▲ 0.20% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.20% above avgNationally 3.00%
Details
Daily compounding interest, interest pays monthly; $25,000 minimum balance required to open and obtain advertised APY; Early Withdrawal Penalty applies
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 14, 20264.10%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Youth Certificates - 1 Year CD
$0
4.10%
▲ 0.20% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.20% above avgNationally 3.00%
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%
Certificates - 12 Month
$0
4.07%
▲ 0.17% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.17% above avgNationally 3.00%
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 Certificates - 12 Month
$0
4.07%
▲ 0.17% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.17% above avgNationally 3.00%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 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 13, 20264.02%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.07%
▲ 0.17% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.17% above avgNationally 3.00%
Details
IRA; 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 Certificate 12 Months
$1,000
4.06%
▲ 0.16% above Utah avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.16% above avgNationally 3.00%
Details
Early withdrawal penalty may apply; certificates automatically renew at maturity
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%
Share Certificates - 1 Year Youth
$250
4.06%
▲ 0.16% above Utah avg
▼
Rate3.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.16% above avgNationally 3.00%
Details
Youth certificate; Rate Type: Fixed; Youth Certificates may have unlimited deposits
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
12 Month Business CD
$1,000
4.05%
▲ 0.15% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.90%▲ 0.15% above avgNationally 3.00%
Details
Rates current as of October 14, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.05% APY
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 12-Month
$0
4.05%
▲ 0.15% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.15% above avgNationally 3.00%
Details
APY*
Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 3 times
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12-Month Certificate
$0
4.05%
▲ 0.15% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.15% above avgNationally 3.00%
Details
Certificate Rates; APY = annual percentage yield; 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
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
12 Month Share Certificates
$0
4.05%
▲ 0.15% above Utah avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.90%▲ 0.15% above avgNationally 3.00%
Details
Rate History
1 change since Oct 5, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 15, 20264.05%▲ from 4.00%
- Oct 5, 20264.00%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
12 Month Certificate (CD)
$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 3.00%
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
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 Month Business Jumbo Share Certificates
$0
4.05%
▲ 0.15% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.15% above avgNationally 3.00%
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%
▲ 0.15% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.90%▲ 0.15% above avgNationally 3.00%
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
Kaysville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
195 N 400 W, Kaysville, UT 84037 1836
18 Month Certificate
$0
4.15%
▲ 0.23% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.23% 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%
131 W 200 N, Kaysville, UT 84037
18 Month Certificate
$500
4.15%
▲ 0.23% above Utah avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Preferred Certificate of Deposit (CD)
$1,000
4.80%
▲ 0.88% above Utah avg
▼
Rate4.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.88% above avgNationally 2.88%
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 4.80% APY
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Month Certificate
$500
4.50%
▲ 0.58% above Utah avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.58% 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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 Month Certificates of deposit (CDs)
$2,500
4.40%
▲ 0.48% above Utah avg
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18-month CD
$2,500
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
Advertised interest rate and APY may change after maturity; personal accounts only; penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 18 months
$2,500
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
Minimum deposit and balance $2,500; FDIC-insured
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Sep 27, 20264.40%▲ from 4.30%
- Sep 18, 20264.30%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
18 Month Business CD
$1,000
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
Effective as of October 14, 2026; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 18 Months
$1,000
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
Business certificate of deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificate of Deposit - 18 Months
$1,000
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
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
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificates of deposit (CDs) - 18 months
$2,500
4.40%
▲ 0.48% above Utah avg
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.40% APY · checked 2 times
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$10,000
4.35%
▲ 0.43% above Utah avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.43% above avgNationally 2.88%
Details
Open Online; Each Individual limited to $250,000 in any one or combination of Online Certificate Accounts
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%
▲ 0.43% above Utah avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.43% above avgNationally 2.88%
Details
Individual Retirement Accounts; Open Online
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
$100,000
4.35%
▲ 0.43% above Utah avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.43% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 13, 20264.35%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Growth Certificate Account - October Special 18 Month
$100
4.35%
▲ 0.43% above Utah avg
▼
Rate4.27%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.43% 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%
▲ 0.43% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.43% above avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 4.35% APY
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18 Month High Yield CD
$0
4.25%
▲ 0.33% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.33% above avgNationally 2.88%
Details
No minimum deposit to open
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Sep 24, 20264.25%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
Certificates of Deposit - 18 Months
$0
4.25%
▲ 0.33% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.33% above avgNationally 2.88%
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
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%
▲ 0.33% above Utah avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.33% above avgNationally 2.88%
Details
Rate Effective Date: October 15, 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%
▲ 0.31% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.31% 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%
Individual Retirement Account (IRA) - Fixed IRA 18 Month
$100
4.20%
▲ 0.28% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.28% above avgNationally 2.88%
Details
Min. To Open and Earn APY; Traditional or Roth IRA certificate; In-Branch Only
Rate History
No change since Oct 14, 2026 · 4.20% APY
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
IRA Certificate - 18 Month
$100
4.20%
▲ 0.28% above Utah avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.28% above avgNationally 2.88%
Details
Traditional or Roth IRA; In-Branch Only
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 5 times
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Business Certificate of Deposit - 18 Months
$0
4.18%
▲ 0.26% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.26% above avgNationally 2.88%
Details
Daily compounding interest, interest pays monthly; $25,000 minimum balance required to open and obtain advertised APY; Early Withdrawal Penalty applies
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.18% ▲ 0.18 pts · high 4.18% / low 4.00%
- Oct 14, 20264.18%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Share Certificate 18 Months
$1,000
4.17%
▲ 0.25% above Utah avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.25% above avgNationally 2.88%
Details
Early withdrawal penalty may apply; certificates automatically renew at maturity
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
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
18 Month Business CD
$1,000
4.10%
▲ 0.18% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.18% above avgNationally 2.88%
Details
Rates current as of October 14, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.10% APY
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 18-Month
$0
4.10%
▲ 0.18% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.18% above avgNationally 2.88%
Details
APY*
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 3 times
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18-Month Certificate
$0
4.10%
▲ 0.18% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.18% above avgNationally 2.88%
Details
w/bump; APY = annual percentage yield; 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
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
18 Month Share Certificates
$0
4.10%
▲ 0.18% above Utah avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.18% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 15, 20264.10%▲ from 4.00%
- Oct 5, 20264.00%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 Month Certificate (CD)
$500
4.10%
▲ 0.18% above Utah avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.18% 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%
▲ 0.18% above Utah avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.18% 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%
▲ 0.14% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.14% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 4 times
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Share Certificates - 18 Month Certificate
$0
4.06%
▲ 0.14% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.14% 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%
▲ 0.13% above Utah avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.13% 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%
Certificate - 18-month - GoldStar Membership
$0
4.00%
▲ 0.08% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.08% above avgNationally 2.88%
Details
GoldStar Membership rate; additional GoldStar membership requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
18 Month Certificate
$0
4.00%
▲ 0.08% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.08% 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%
▲ 0.08% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.08% 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%
▲ 0.03% above Utah avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.03% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99; Column labeled APR shown as 3.893%
Rate History
No change since Oct 12, 2026 · 3.95% APY · checked 2 times
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 18 months
$1,000
3.95%
▲ 0.03% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.03% 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%
Certificate - 18-month
$0
3.90%
▼ 0.02% below Utah avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▼ 0.02% below avgNationally 2.88%
Details
Regular & IRA certificate; early withdrawal penalty is 180 days of dividends (minimum $25 may apply); Dedicated Saver minimum balance $5+ with automatic transfers of at least $5 per month
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%
▼ 0.05% below Utah avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▼ 0.05% 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%
▼ 0.07% below Utah avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▼ 0.07% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80%
▼ 0.12% below Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▼ 0.12% 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%
▼ 0.12% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▼ 0.12% 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%
▼ 0.12% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▼ 0.12% 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%
▼ 0.12% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▼ 0.12% 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%
▼ 0.12% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▼ 0.12% 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%
▼ 0.12% below Utah avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▼ 0.12% 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%
▼ 0.22% below Utah avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▼ 0.22% 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
Kaysville 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
195 N 400 W, Kaysville, UT 84037 1836
24 Month Certificate
$0
4.50%
▲ 0.58% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.58% 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
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
131 W 200 N, Kaysville, UT 84037
24 Month Certificate
$500
4.45%
▲ 0.53% above Utah avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.53% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 2 times
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Preferred Certificate of Deposit (CD)
$1,000
5.00%
▲ 1.08% above Utah avg
▼
Rate5.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 1.08% above avgNationally 2.90%
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.00% APY
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Consumer Certificate of Deposit - 2 years
$500
4.60%
▲ 0.68% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.68% above avgNationally 2.90%
Details
Maximum opening deposit $500,000.00; Guaranteed rate for the duration of the CD term; Rates may change prior to account opening
Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
- Oct 8, 20264.60%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 24-Month
$0
4.50%
▲ 0.58% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.58% above avgNationally 2.90%
Details
APY*
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 3 times
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Business Jumbo Share Certificates
$0
4.50%
▲ 0.58% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.58% 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%
▲ 0.58% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.58% 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%
▲ 0.58% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.58% 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%
▲ 0.58% above Utah avg
▼
Rate4.40%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.58% 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%
▲ 0.58% above Utah avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.58% 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%
▲ 0.58% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.58% 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 Certificate 24 Months
$1,000
4.48%
▲ 0.56% above Utah avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.56% above avgNationally 2.90%
Details
Early withdrawal penalty may apply; certificates automatically renew at maturity
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%
▲ 0.53% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.53% above avgNationally 2.90%
Details
Business certificate of deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificate of Deposit - 24 Months
$1,000
4.45%
▲ 0.53% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.53% above avgNationally 2.90%
Details
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%
▲ 0.53% above Utah avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.53% 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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.90%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.90%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Certificates of deposit (CDs)
$2,500
4.40%
▲ 0.48% above Utah avg
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Sep 27, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 24 months
$2,500
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.90%
Details
Minimum deposit and balance $2,500; FDIC-insured
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Sep 27, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificates of deposit (CDs) - 24 months
$2,500
4.40%
▲ 0.48% above Utah avg
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.48% above avgNationally 2.90%
Details
Rate History
No change since Oct 10, 2026 · 4.40% APY · checked 2 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 24 Month
$0
4.40%
▲ 0.48% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.48% 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%
▲ 0.43% above Utah avg
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.43% above avgNationally 2.90%
Details
Open Online; Each Individual limited to $250,000 in any one or combination of Online Certificate Accounts
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%
▲ 0.43% above Utah avg
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.43% above avgNationally 2.90%
Details
Individual Retirement Accounts; Open Online
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
$100,000
4.35%
▲ 0.43% above Utah avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.43% above avgNationally 2.90%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
Certificates of Deposit - 24 Months
$0
4.30%
▲ 0.38% above Utah avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.38% above avgNationally 2.90%
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
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%
24 Month Share Certificates
$0
4.30%
▲ 0.38% above Utah avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.38% above avgNationally 2.90%
Details
Rate History
1 change since Oct 5, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 15, 20264.30%▲ from 4.20%
- Oct 5, 20264.20%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%
▲ 0.38% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.38% 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%
▲ 0.38% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.38% 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%
▲ 0.37% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.37% 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%
▲ 0.33% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.33% above avgNationally 2.90%
Details
Early withdrawal penalty: 180 days' simple interest; Interest compounds daily and pays monthly; 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
$0
4.25%
▲ 0.33% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.33% above avgNationally 2.90%
Details
Daily compounding interest, interest pays monthly; $25,000 minimum balance required to open and obtain advertised APY; Early Withdrawal Penalty applies
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24-Month Certificate
$0
4.25%
▲ 0.33% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.33% above avgNationally 2.90%
Details
Certificate Rates; APY = annual percentage yield; 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
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25%
▲ 0.33% above Utah avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.33% above avgNationally 2.90%
Details
Rate Effective Date: October 15, 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%
▲ 0.33% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.33% 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%
▲ 0.33% above Utah avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.33% 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%
▲ 0.29% above Utah avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.29% 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%
▲ 0.29% above Utah avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.29% 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%
▲ 0.28% above Utah avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.28% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 4 times
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Month Certificate
$500
4.20%
▲ 0.28% above Utah avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.28% 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%
▲ 0.28% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.28% 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%
24 Month Business CD
$1,000
4.15%
▲ 0.23% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.23% above avgNationally 2.90%
Details
Rates current as of October 14, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.15% APY
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 24 Month
$500
4.15%
▲ 0.23% above Utah avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.23% 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%
▲ 0.23% above Utah avg
▼
Rate4.07%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.23% 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 Certificates - 24 Month
$0
4.12%
▲ 0.20% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.20% 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
2 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 3.96%
- Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.12%
▲ 0.20% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.20% above avgNationally 2.90%
Details
IRA; 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%
▲ 0.18% above Utah avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.18% above avgNationally 2.90%
Details
Balance: $500.00 - $49,999.99; Column labeled APR shown as 4.038%
Rate History
No change since Oct 12, 2026 · 4.10% APY · checked 2 times
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
24 Month Certificate
$0
4.10%
▲ 0.18% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.18% 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%
▲ 0.15% above Utah avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.92%▲ 0.15% 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
$500
4.06%
▲ 0.14% above Utah avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.92%▲ 0.14% above avgNationally 2.90%
Details
Term: 24 Months to 35 Months; Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 14, 20264.06%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
24 Month Certificate
$0
4.05%
▲ 0.13% above Utah avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.92%▲ 0.13% above avgNationally 2.90%
Details
Early Withdrawal Penalty Applies
Rate History
1 change since Sep 20, 2026 · 2.97% → 4.05% ▲ 1.08 pts · high 4.05% / low 2.97%
- Oct 12, 20264.05%▲ from 2.97%
- Sep 20, 20262.97%first recorded
Kaysville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
131 W 200 N, Kaysville, UT 84037
36 Month Certificate
$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 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Preferred Certificate of Deposit (CD)
$1,000
5.10%
▲ 1.29% above Utah avg
▼
Rate5.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 1.29% above avgNationally 2.82%
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.10% APY
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Business CD - 36 Months
$1,000
4.50%
▲ 0.69% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.82%
Details
Business certificate of deposit; Early withdrawal penalties may apply
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
Certificate of Deposit - 36 Months
$1,000
4.50%
▲ 0.69% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.69% above avgNationally 2.82%
Details
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 Certificate 36 Months
$1,000
4.48%
▲ 0.67% above Utah avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.67% above avgNationally 2.82%
Details
Early withdrawal penalty may apply; certificates automatically renew at maturity
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
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36 Month Certificates of deposit (CDs)
$2,500
4.45%
▲ 0.64% above Utah avg
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.64% above avgNationally 2.82%
Details
Rate History
1 change since Sep 18, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
- Sep 27, 20264.45%▲ from 4.40%
- Sep 18, 20264.40%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36-month CD
$2,500
4.45%
▲ 0.64% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.64% above avgNationally 2.82%
Details
Advertised interest rate and APY may change after maturity; personal accounts only; penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
- Oct 14, 20264.45%▲ from 4.40%
- Sep 18, 20264.40%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 36 months
$2,500
4.45%
▲ 0.64% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.64% above avgNationally 2.82%
Details
Minimum deposit and balance $2,500; FDIC-insured
Rate History
1 change since Sep 18, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
- Sep 27, 20264.45%▲ from 4.40%
- Sep 18, 20264.40%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificates of deposit (CDs) - 36 months
$2,500
4.45%
▲ 0.64% above Utah avg
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.64% above avgNationally 2.82%
Details
Rate History
No change since Oct 10, 2026 · 4.45% APY · checked 2 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.82%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.40%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.82%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
Certificates of Deposit - 36 Months
$0
4.40%
▲ 0.59% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.82%
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
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%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.82%
Details
CD rate promo; Annual Percentage Yield accurate as of 10/13/2026; Terms and conditions apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 36-Month
$0
4.40%
▲ 0.59% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.82%
Details
APY*
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40%
▲ 0.59% above Utah avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.59% above avgNationally 2.82%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
36 Month Certificate (CD)
$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 2.82%
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%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.82%
Details
Certificate Rates; APY = annual percentage yield; 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
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month Business Jumbo Share Certificates
$0
4.35%
▲ 0.54% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.82%
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%
▲ 0.54% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.82%
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%
▲ 0.54% above Utah avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.82%
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%
▲ 0.54% above Utah avg
▼
Rate4.26%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.82%
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%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.82%
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%
▲ 0.54% above Utah avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.54% above avgNationally 2.82%
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%
36 Month Share Certificates
$0
4.30%
▲ 0.49% above Utah avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.49% above avgNationally 2.82%
Details
Rate History
1 change since Oct 5, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 15, 20264.30%▲ from 4.15%
- Oct 5, 20264.15%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 0.49% above Utah avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.49% above avgNationally 2.82%
Details
Rate Effective Date: October 15, 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%
▲ 0.49% above Utah avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.49% above avgNationally 2.82%
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%
▲ 0.46% above Utah avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.46% above avgNationally 2.82%
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%
▲ 0.46% above Utah avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.46% above avgNationally 2.82%
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%
▲ 0.44% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.82%
Details
Early withdrawal penalty: 365 days' simple interest; Interest compounds daily and pays monthly; 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
$0
4.25%
▲ 0.44% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.82%
Details
Daily compounding interest, interest pays monthly; $25,000 minimum balance required to open and obtain advertised APY; Early Withdrawal Penalty applies
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Certificate
$0
4.25%
▲ 0.44% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.82%
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%
▲ 0.44% above Utah avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.44% above avgNationally 2.82%
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%
36 Month Business CD
$1,000
4.20%
▲ 0.39% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.39% above avgNationally 2.82%
Details
Rates current as of October 14, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.20% APY
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 Year CD
$0
4.20%
▲ 0.39% above Utah avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.39% above avgNationally 2.82%
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%
▲ 0.39% above Utah avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.39% above avgNationally 2.82%
Details
Rates effective as of 9/21/2026
Rate History
No change since Oct 19, 2026 · 4.20% APY
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 36 Month
$500
4.15%
▲ 0.34% above Utah avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.34% above avgNationally 2.82%
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%
▲ 0.34% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.34% above avgNationally 2.82%
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%
▲ 0.34% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.34% above avgNationally 2.82%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.12%
▲ 0.31% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.31% above avgNationally 2.82%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.12%
▲ 0.31% above Utah avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.31% above avgNationally 2.82%
Details
IRA; 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 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Month Certificate
$0
4.10%
▲ 0.29% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.29% above avgNationally 2.82%
Details
Early Withdrawal Penalty Applies
Rate History
1 change since Sep 20, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
- Oct 12, 20264.10%▲ from 3.30%
- Sep 20, 20263.30%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificates - 36 Months
$0
4.10%
▲ 0.29% above Utah avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.29% above avgNationally 2.82%
Details
Effective September 18, 2026; Early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.36% → 4.10% ▲ 0.74 pts · high 4.10% / low 3.36%
- Sep 25, 20264.10%▲ from 3.36%
- Sep 12, 20263.36%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
36 Month Regular & IRA Certificate
$0
4.10%
▲ 0.29% above Utah avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.29% above avgNationally 2.82%
Details
Balance: $500.00 - $49,999.99; Column labeled APR shown as 4.038%
Rate History
No change since Oct 12, 2026 · 4.10% APY · checked 2 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%
▲ 0.26% above Utah avg
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.26% above avgNationally 2.82%
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
$500
4.06%
▲ 0.25% above Utah avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.25% above avgNationally 2.82%
Details
Term: 36 Months to 47 Months; Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 14, 20264.06%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate 36 Month 1 Bump
$500
4.01%
▲ 0.20% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.20% above avgNationally 2.82%
Details
Bump certificate
Rate History
No change since Oct 19, 2026 · 4.01% APY
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year High Yield CD
$0
4.00%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.81%▲ 0.19% above avgNationally 2.82%
Details
No minimum deposit to open
Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Sep 24, 20264.00%▲ from 3.60%
- Sep 18, 20263.60%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Certificate - 36-month - GoldStar Membership
$0
4.00%
▲ 0.19% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.81%▲ 0.19% above avgNationally 2.82%
Details
GoldStar Membership rate; additional GoldStar membership requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 Year Traditional IRA CD
$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 2.82%
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
4.00%
▲ 0.19% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.81%▲ 0.19% above avgNationally 2.82%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Kaysville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
131 W 200 N, Kaysville, UT 84037
48 Month Certificate
$500
4.35%
▲ 0.62% above Utah avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month Preferred Certificate of Deposit (CD)
$1,000
5.20%
▲ 1.47% above Utah avg
▼
Rate5.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▲ 1.47% above avgNationally 2.82%
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.20% APY
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
Certificates of Deposit - 48 Months
$0
4.45%
▲ 0.72% above Utah avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▲ 0.72% above avgNationally 2.82%
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
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%
▲ 0.72% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.72% above avgNationally 2.82%
Details
APY*
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 3 times
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 Month Certificate (CD)
$500
4.45%
▲ 0.72% above Utah avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.72% above avgNationally 2.82%
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%
▲ 0.67% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.82%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.40%
▲ 0.67% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.82%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40%
▲ 0.67% above Utah avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.82%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Business Jumbo Share Certificates
$0
4.40%
▲ 0.67% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.82%
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%
▲ 0.67% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.82%
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%
▲ 0.67% above Utah avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.82%
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%
▲ 0.67% above Utah avg
▼
Rate4.31%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.82%
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%
48 Month Share Certificates
$0
4.35%
▲ 0.62% above Utah avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.82%
Details
Rate History
1 change since Oct 5, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 15, 20264.35%▲ from 4.15%
- Oct 5, 20264.15%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Month Certificate
$500
4.35%
▲ 0.62% above Utah avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.82%
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%
▲ 0.57% above Utah avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.57% above avgNationally 2.82%
Details
Rate Effective Date: October 15, 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%
▲ 0.54% above Utah avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.54% above avgNationally 2.82%
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%
▲ 0.54% above Utah avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.54% above avgNationally 2.82%
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%
▲ 0.52% above Utah avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.82%
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%
▲ 0.50% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.50% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 4.23% APY
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
48 Month Business CD
$1,000
4.20%
▲ 0.47% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.82%
Details
Rates current as of October 14, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.20% APY
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 48 Month
$500
4.20%
▲ 0.47% above Utah avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.82%
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%
▲ 0.47% above Utah avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.82%
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%
48 Month Certificate
$0
4.15%
▲ 0.42% above Utah avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.82%
Details
Early Withdrawal Penalty Applies
Rate History
1 change since Sep 20, 2026 · 3.36% → 4.15% ▲ 0.79 pts · high 4.15% / low 3.36%
- Oct 12, 20264.15%▲ from 3.36%
- Sep 20, 20263.36%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificates - 48 Months
$0
4.15%
▲ 0.42% above Utah avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.82%
Details
Effective September 18, 2026; Early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.46% → 4.15% ▲ 0.69 pts · high 4.15% / low 3.46%
- Sep 25, 20264.15%▲ from 3.46%
- Sep 12, 20263.46%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
48 Month Regular & IRA Certificate
$0
4.15%
▲ 0.42% above Utah avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.82%
Details
Balance: $500.00 - $49,999.99; Column labeled APR shown as 4.087%
Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
4.07%
▲ 0.34% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.34% above avgNationally 2.82%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.07% ▲ 0.16 pts · high 4.07% / low 3.91%
- Oct 15, 20264.07%▲ from 3.97%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.07%
▲ 0.34% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.34% above avgNationally 2.82%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.07% ▲ 0.16 pts · high 4.07% / low 3.91%
- 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
$500
4.06%
▲ 0.33% above Utah avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▲ 0.33% above avgNationally 2.82%
Details
Term: 48 Months to 59 Months; Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
- Oct 14, 20264.06%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate 48 Month 1 Bump
$500
4.06%
▲ 0.33% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.33% above avgNationally 2.82%
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%
Certificate - 48-month - GoldStar Membership
$0
4.00%
▲ 0.27% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.82%
Details
GoldStar Membership rate; additional GoldStar membership requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit - 48 Month
$0
4.00%
▲ 0.27% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.82%
Details
Minimum balance to earn stated APY: $500; Penalties may apply for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 48 months
$1,000
3.99%
▲ 0.26% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.26% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 10 times
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95%
▲ 0.22% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.22% above avgNationally 2.82%
Details
Automatic Renewal; Paid End of Term
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.91%
▲ 0.18% above Utah avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.18% above avgNationally 2.82%
Details
Rate History
1 change since Oct 13, 2026 · 3.81% → 3.91% ▲ 0.10 pts · high 3.91% / low 3.81%
- Oct 15, 20263.91%▲ from 3.81%
- Oct 13, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.91%
▲ 0.18% above Utah avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.18% above avgNationally 2.82%
Details
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.91% ▲ 0.10 pts · high 3.91% / low 3.81%
- Oct 15, 20263.91%▲ from 3.81%
- Oct 5, 20263.81%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Certificate - 48-month
$0
3.90%
▲ 0.17% above Utah avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.17% above avgNationally 2.82%
Details
Regular & IRA certificate; early withdrawal penalty is 180 days of dividends (minimum $25 may apply); Dedicated Saver minimum balance $5+ with automatic transfers of at least $5 per month
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%
IRA Certificates - Traditional & Roth - 4 Years
$5
3.90%
▲ 0.17% above Utah avg
▼
Rate3.83%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.17% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Share Certificates - 4 Years
$500
3.90%
▲ 0.17% above Utah avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▲ 0.17% above avgNationally 2.82%
Details
Rate Type: Fixed
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
4 Year Certificate
$1,000
3.80%
▲ 0.07% above Utah avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▲ 0.07% above avgNationally 2.82%
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%
▲ 0.07% above Utah avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▲ 0.07% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 4 times
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
Certificates - 48 Month
$0
3.56%
▼ 0.17% below Utah avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▼ 0.17% below avgNationally 2.82%
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%
▼ 0.44% below Utah avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▼ 0.44% below avgNationally 2.82%
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%
▼ 0.48% below Utah avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▼ 0.48% below avgNationally 2.82%
Details
$500 Minimum Deposit; Add 10BP over $25,000.00
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 9 times
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
48 Month Time Certificates of Deposit
$500
3.20%
▼ 0.53% below Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▼ 0.53% below avgNationally 2.82%
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%
▼ 0.58% below Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▼ 0.58% below avgNationally 2.82%
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%
▼ 0.66% below Utah avg
▼
Rate3.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▼ 0.66% below avgNationally 2.82%
Details
Annual Percentage Yield (Quarterly Compound); A penalty may be applied for early withdrawal
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
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Raise Your Rate CD
$0
3.00%
▼ 0.73% below Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.73%▼ 0.73% below avgNationally 2.82%
Details
No minimum deposit to open; Raise your rate once over the 2-year term or twice over the 4-year term if rates go up; Early withdrawal penalty applies; Available as an IRA Raise Your Rate CD
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$10,000
3.00%
▼ 0.73% below Utah avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▼ 0.73% below avgNationally 2.82%
Details
Open Online; Each Individual limited to $250,000 in any one or combination of Online Certificate Accounts
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month IRA Open Online
$10,000
3.00%
▼ 0.73% below Utah avg
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.73%▼ 0.73% below avgNationally 2.82%
Details
Individual Retirement Accounts; Open Online
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
48 Month Standard CDs - Rewards
$0
2.90%
▼ 0.83% below Utah avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.73%▼ 0.83% below avgNationally 2.82%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
Kaysville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
195 N 400 W, Kaysville, UT 84037 1836
60 Month Certificate
$0
4.50%
▲ 0.68% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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%
326 N Main St, Kaysville, UT 84037 1106
60 Month Certificate Account
$500
4.50%
▲ 0.68% above Utah avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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%
326 N Main St, Kaysville, UT 84037 1106
60 Month Regular Certificate
$500
4.50%
▲ 0.68% above Utah avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
131 W 200 N, Kaysville, UT 84037
60 Month Certificate
$500
4.40%
▲ 0.58% above Utah avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.58% above avgNationally 2.93%
Details
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
326 N Main St, Kaysville, UT 84037 1106
Bump-Rate Certificate 60 Months
$500
4.35%
▲ 0.53% above Utah avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.53% above avgNationally 2.93%
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
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Preferred Certificate of Deposit (CD)
$1,000
5.25%
▲ 1.43% above Utah avg
▼
Rate5.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 1.43% above avgNationally 2.93%
Details
Morgan Stanley Preferred CD; deposits in increments of $1,000
Rate History
No change since Oct 14, 2026 · 5.25% APY
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Certificates of deposit (CDs)
$2,500
4.50%
▲ 0.68% above Utah avg
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
Details
Rate History
1 change since Sep 18, 2026 · 4.40% → 4.50% ▲ 0.10 pts · high 4.50% / low 4.40%
- Sep 27, 20264.50%▲ from 4.40%
- Sep 18, 20264.40%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60-month CD
$2,500
4.50%
▲ 0.68% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
Details
Rate shown without an APY label on page; Advertised interest rate and APY may change after maturity; personal accounts only; penalty for early withdrawal
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificate of Deposit - 60 months
$2,500
4.50%
▲ 0.68% above Utah avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
Details
Minimum deposit and balance $2,500; FDIC-insured
Rate History
1 change since Sep 18, 2026 · 4.40% → 4.50% ▲ 0.10 pts · high 4.50% / low 4.40%
- Sep 27, 20264.50%▲ from 4.40%
- Sep 18, 20264.40%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Certificates of deposit (CDs) - 60 months
$2,500
4.50%
▲ 0.68% above Utah avg
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
Details
Rate History
No change since Oct 10, 2026 · 4.50% APY · checked 2 times
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 60-Month
$0
4.50%
▲ 0.68% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
Details
APY*
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 3 times
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 Month Certificate (CD)
$500
4.50%
▲ 0.68% above Utah avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Business Jumbo Share Certificates
$0
4.50%
▲ 0.68% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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%
▲ 0.68% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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%
▲ 0.68% above Utah avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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%
▲ 0.68% above Utah avg
▼
Rate4.40%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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%
▲ 0.68% above Utah avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.68% above avgNationally 2.93%
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 Certificate 60 Months
$1,000
4.48%
▲ 0.66% above Utah avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.66% above avgNationally 2.93%
Details
Early withdrawal penalty may apply; certificates automatically renew at maturity
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
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
60 Month Share Certificates
$0
4.45%
▲ 0.63% above Utah avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.63% above avgNationally 2.93%
Details
Rate History
1 change since Oct 5, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
- Oct 15, 20264.45%▲ from 4.20%
- Oct 5, 20264.20%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40%
▲ 0.58% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.58% above avgNationally 2.93%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.40%
▲ 0.58% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.58% above avgNationally 2.93%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$100,000
4.40%
▲ 0.58% above Utah avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.58% above avgNationally 2.93%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Month Certificate
$500
4.40%
▲ 0.58% above Utah avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.58% above avgNationally 2.93%
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%
▲ 0.55% above Utah avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.55% above avgNationally 2.93%
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%
▲ 0.55% above Utah avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.55% above avgNationally 2.93%
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
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month Certificate
$0
4.35%
▲ 0.53% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.53% above avgNationally 2.93%
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%
▲ 0.53% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.53% above avgNationally 2.93%
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%
▲ 0.48% above Utah avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.48% above avgNationally 2.93%
Details
Rate Effective Date: October 15, 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
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
Certificates of Deposit - 60 Months
$0
4.25%
▲ 0.43% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.43% above avgNationally 2.93%
Details
Interest is paid monthly; Rate* and APY* fixed until CD renews
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%
▲ 0.43% above Utah avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.43% above avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Certificate Account 60 Month
$500
4.25%
▲ 0.43% above Utah avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.43% above avgNationally 2.93%
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%
▲ 0.43% above Utah avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.43% above avgNationally 2.93%
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%
▲ 0.43% above Utah avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.43% above avgNationally 2.93%
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%
▲ 0.41% above Utah avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.41% above avgNationally 2.93%
Details
Rate History
No change since Oct 19, 2026 · 4.23% APY
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
60 Month Business CD
$1,000
4.20%
▲ 0.38% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.38% above avgNationally 2.93%
Details
Rates current as of October 14, 2026; new CDs only; APY assumes interest remains on deposit until maturity
Rate History
No change since Oct 14, 2026 · 4.20% APY
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Month Certificate
$0
4.20%
▲ 0.38% above Utah avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.38% above avgNationally 2.93%
Details
Early Withdrawal Penalty Applies
Rate History
1 change since Sep 20, 2026 · 3.49% → 4.20% ▲ 0.71 pts · high 4.20% / low 3.49%
- Oct 12, 20264.20%▲ from 3.49%
- Sep 20, 20263.49%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificates - 60 Months
$0
4.20%
▲ 0.38% above Utah avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.38% above avgNationally 2.93%
Details
Effective September 18, 2026; Early withdrawal penalty applies
Rate History
1 change since Sep 12, 2026 · 3.56% → 4.20% ▲ 0.64 pts · high 4.20% / low 3.56%
- Sep 25, 20264.20%▲ from 3.56%
- Sep 12, 20263.56%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
60 Month Regular & IRA Certificate
$0
4.20%
▲ 0.38% above Utah avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.38% above avgNationally 2.93%
Details
Balance: $500.00 - $49,999.99; Column labeled APR shown as 4.135%
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 2 times
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
60 Month Personal Certificates of Deposit
$500
4.16%
▲ 0.34% above Utah avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.34% above avgNationally 2.93%
Details
Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
- Oct 14, 20264.16%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Certificate 60 Month 1 Bump
$500
4.11%
▲ 0.29% above Utah avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.29% above avgNationally 2.93%
Details
Bump certificate
Rate History
No change since Oct 19, 2026 · 4.11% APY
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year High Yield CD
$0
4.10%
▲ 0.28% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Utah Average3.82%▲ 0.28% above avgNationally 2.93%
Details
No minimum deposit to open
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 24, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate of Deposit - 60 months
$1,000
4.10%
▲ 0.28% above Utah avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.28% above avgNationally 2.93%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.07%
▲ 0.25% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.25% above avgNationally 2.93%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
- Oct 15, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.07%
▲ 0.25% above Utah avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.25% above avgNationally 2.93%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
- Oct 15, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
5 Year Certificate
$1,000
4.06%
▲ 0.24% above Utah avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.24% above avgNationally 2.93%
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%
▲ 0.23% above Utah avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Utah Average3.82%▲ 0.23% above avgNationally 2.93%
Details
IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
Certificate - 60-month - GoldStar Membership
$0
4.00%
▲ 0.18% above Utah avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.18% above avgNationally 2.93%
Details
GoldStar Membership rate; additional GoldStar membership requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit - 60 Month
$0
4.00%
▲ 0.18% above Utah avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.18% above avgNationally 2.93%
Details
Minimum balance to earn stated APY: $500; Penalties may apply for early withdrawal
Rate History
No change since Oct 13, 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%
▲ 0.18% above Utah avg
▼
Rate3.92%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.18% above avgNationally 2.93%
Details
Rate Type: Fixed
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Share Certificates - 5 Years
$500
4.00%
▲ 0.18% above Utah avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Utah Average3.82%▲ 0.18% above avgNationally 2.93%
Details
Rate Type: Fixed
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 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.
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Kaysville, UT CD Rate Trends
Compare local Kaysville, 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
3.896%
▲ 0.066 vs 7 days ago
Utah 12-month CD rates rose 0.066 points over the past 7 days to 3.896% APY.
6-Month CD UT Avg
3.739%
▲ 0.067 vs 7 days ago
Utah 6-month CD rates rose 0.067 points over the past 7 days to 3.739% APY.
As of Oct 19, 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
3.896%
6-Month Forecast
3.896%
Range: 3.70%, 4.05%
12-Month Forecast
4.146%
Range: 3.95%, 4.30%
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 | 2.472% | $123.61 | $247.21 | $618.03 | $1,236.05 |
| 6-Month CD | 3.739% | $186.93 | $373.86 | $934.65 | $1,869.30 |
| 12-Month CD | 3.896% | $194.81 | $389.62 | $974.05 | $1,948.10 |
| 18-Month CD | 3.918% | $195.90 | $391.80 | $979.50 | $1,959.00 |
| 24-Month CD | 3.916% | $195.79 | $391.57 | $978.93 | $1,957.85 |
| 36-Month CD | 3.811% | $190.53 | $381.05 | $952.63 | $1,905.25 |
| 48-Month CD | 3.725% | $186.26 | $372.51 | $931.28 | $1,862.55 |
| 60-Month CD | 3.820% | $190.98 | $381.95 | $954.88 | $1,909.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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Sample CD Ladder for Kaysville, 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 | 2.472% | $123.61 |
| 2 | 6-Month CD | $5,000 | 3.739% | $186.93 |
| 3 | 12-Month CD | $5,000 | 3.896% | $194.81 |
| 4 | 24-Month CD | $5,000 | 3.916% | $195.79 |
| 5 | 36-Month CD | $5,000 | 3.811% | $190.53 |
| Total ($25,000 invested) | $25,000 | 3.567% blended | $891.67/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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571
CD Rates
Tracked in Kaysville, Utah
Tracked in Kaysville, Utah
29 Banks
44 Credit Unions
About Our Kaysville, Utah CD Rate Database
MonitorBankRates tracks 571 CD rates from 29 banks and 44 credit unions with locations in Kaysville, 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: Austin Capital Bank offers a CD at 4.58% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Kaysville, Utah.
How to Find the Best CD Rates in Kaysville, Utah
What to compare when shopping for a CD in Kaysville, Utah
To find the best APYs in Kaysville, Utah, start with credit unions and online-only banks: Kaysville, Utah has 44 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 Kaysville, 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 Kaysville, Utah: 73 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Kaysville, 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 Kaysville, Utah money market rates
Kaysville, Utah Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
10.9%
National avg: 17.3%
Median Individual Earnings
$50,581
National avg: $47,340
Poverty Rate
3.4%
National avg: 11.1%
Unemployment Rate
2.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$197/yr
At UT 12-mo avg 3.896% APY
10.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.8% reflects a strong local economy. At today’s UT 12-month CD average of 3.896%, saving 10% of the local median salary ($5,058/year) and putting it in a CD would earn an additional $197 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 Kaysville, 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 Kaysville, 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 Kaysville, 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 Kaysville, Utah as everywhere in the U.S.
Choosing a CD Term in Kaysville, 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 Kaysville, Utah savers easier access to their funds. For example, Austin Capital Bank is offering its 6 Month CD at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 4.50% 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 Kaysville, 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 Kaysville, 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 Kaysville, 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 Kaysville, 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 Kaysville, Utah
Most CDs carry a fixed rate that is locked for the entire term, protecting a Kaysville, 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 Kaysville, Utah
Are CD rates in Kaysville, Utah FDIC insured?
Yes, most established banks in Kaysville, 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 Kaysville, 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 Kaysville, 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 Kaysville, 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 Kaysville, Utah?
Here are recent top rates found for this area:
- Austin Capital Bank: 4.58% APY (3 Month CD)
- Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
- America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
- Goldenwest Federal Credit Union: 4.45% APY (24 Month Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
- Morgan Stanley: 5.25% APY (60 Month Preferred Certificate of Deposit (CD))
- P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
- Happen Bank: 4.60% APY (Consumer Certificate of Deposit - 2 years)
- Sallie Mae: 4.50% APY (60 Month Certificates of deposit (CDs))
- Quill Bank: 4.50% APY (Business CD - 36 Months)
Rates reflect recent verified offers available in Kaysville, Utah. Last Updated: October 19, 2026
Kaysville, 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 Kaysville, Utah rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Kaysville, Utah
Kaysville, Utah CD Calculator
At today’s UT top rate of 4.58% APY, a $10,000 deposit earns $458 in the first year. Enter your amount to see your exact return.
Kaysville, Utah CD LadderUT CD rates currently range from 2.472% (3-month) to 3.811% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Kaysville, Utah CD at 4.58% 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 3.896% 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 Kaysville, 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 Kaysville, 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 Kaysville, 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 19, 2026
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