MonitorBankRates
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Meadow, Utah Best CD Rates August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
Read Full Bio
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: August 28, 2026

Current Meadow, Utah CD rates include Utah Power Credit UnionUtah Power Credit UnionA+5.0 ★Texas Ratio: 1.00%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month at 4.50% APY, Morgan StanleyMorgan StanleyA+5.0 ★Texas Ratio: 1.52%Real return: +1.65%APY minus CPI (February 2026) offering 48 month at 4.45% APY, Happen BankHappen BankA5.0 ★Texas Ratio: 6.13%Real return: +1.60%APY minus CPI (February 2026) offering Consumer Certificate of Deposit - 2 years at 4.40% APY, Sallie MaeSallie MaeA5.0 ★Texas Ratio: 7.81%Real return: +1.55%APY minus CPI (February 2026) offering 36 months at 4.35% APY, and America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 7.26%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Certificate at 4.30% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.

Meadow is a smaller community with no bank or credit union branches currently in our database. 482 institutions serving the Utah area are available to Meadow residents, with CD rates as high as 4.50% APY from Utah Power Credit Union. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026

Compare Best CD Rates in Meadow, Utah & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Meadow 3 Month CD Rates

Utah 3 Month CD Average2.26% APYNational 1.96%▼ 0.61% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
3 month
$0
4.01% ▲ 1.75% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.75% above avgNationally 1.96%
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
3 Month CD
$0
3.96% ▲ 1.70% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.70% above avgNationally 1.96%
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.59% above Utah avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.59% above avgNationally 1.96%
Details

Special Offer. balances under $100k

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month
$500
3.85% ▲ 1.59% above Utah avg
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.59% above avgNationally 1.96%
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
3-month CD
$1,500
3.80% ▲ 1.54% above Utah avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.54% above avgNationally 1.96%
Details

At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
3 Month
$0
3.75% ▲ 1.49% above Utah avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.49% above avgNationally 1.96%
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 month Super CD
$0
3.65% ▲ 1.39% above Utah avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.39% above avgNationally 1.96%
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
3 Month Add-on
$0
3.65% ▲ 1.39% above Utah avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.39% above avgNationally 1.96%
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
Business 3 Month Add-on
$0
3.65% ▲ 1.39% above Utah avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.39% above avgNationally 1.96%
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 90 Day Fixed Rate
$0
3.50% ▲ 1.24% above Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.24% above avgNationally 1.96%
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
3.50% ▲ 1.24% above Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.24% above avgNationally 1.96%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Month Certificate
$0
3.30% ▲ 1.04% above Utah avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 1.04% above avgNationally 1.96%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
3 Months
$500
3.10% ▲ 0.84% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 0.84% above avgNationally 1.96%
Details

.25% bonus for Star and Senior Accounts!

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.75% ▲ 0.49% above Utah avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 0.49% above avgNationally 1.96%
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
3-Month
$0
2.27% ▲ 0.01% above Utah avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▲ 0.01% above avgNationally 1.96%
Details

Dividends: Quarterly

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.25% ▼ 0.01% below Utah avg
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 0.01% below avgNationally 1.96%
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3-Month Penalty-Free
$0
2.00% ▼ 0.26% below Utah avg
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 0.26% below avgNationally 1.96%
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
3-Month
$0
1.76% ▼ 0.50% below Utah avg
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 0.50% below avgNationally 1.96%
Details

Dividends: Quarterly

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term
$0
0.60% ▼ 1.66% below Utah avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 1.66% below avgNationally 1.96%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs
$0
0.60% ▼ 1.66% below Utah avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 1.66% below avgNationally 1.96%
Details

Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs Rewards
$0
0.60% ▼ 1.66% below Utah avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 1.66% below avgNationally 1.96%
Details

Regular APY 0.50% Dividend Rate 0.50%

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3 MONTH CERTIFICATE
$0
0.20% ▼ 2.06% below Utah avg
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.06% below avgNationally 1.96%
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 months
$0
0.10% ▼ 2.16% below Utah avg
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.16% below avgNationally 1.96%
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
3-Month CD
$0
0.10% ▼ 2.16% below Utah avg
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.16% below avgNationally 1.96%
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06% ▼ 2.20% below Utah avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.20% below avgNationally 1.96%
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.20% below Utah avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.20% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.21% below Utah avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.05% ▼ 2.21% below Utah avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details

Relationship Interest Rate 0.06%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3 Months
$0
0.05% ▼ 2.21% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details

Loyalty Rate: 0.05%, Loyalty APY: 0.05%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 3 Months
$0
0.05% ▼ 2.21% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 3 Months - Loyalty
$0
0.05% ▼ 2.21% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.26%▼ 2.21% below avgNationally 1.96%
Details

Meadow 6 Month CD Rates

Utah 6 Month CD Average2.76% APYNational 2.67%▼ 1.14% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
6 Month Add-on
$0
4.24% ▲ 1.48% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.48% above avgNationally 2.67%
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
6-Month Add-on
$0
4.24% ▲ 1.48% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.48% above avgNationally 2.67%
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
Business 6 Month Add-on
$0
4.24% ▲ 1.48% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.48% above avgNationally 2.67%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 6 months
$500
4.20% ▲ 1.44% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.44% above avgNationally 2.67%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6-Month CD
$1,000
4.15% ▲ 1.39% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.39% above avgNationally 2.67%
Details

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Fixed IRA CD
$100
4.10% ▲ 1.34% above Utah avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.34% above avgNationally 2.67%
Details

Annual Percentage Yields (APY) are accurate as of August 19, 2026 and are subject to change. Early withdrawals will have a substantial penalty imposed. Fees may reduce earnings.

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 month
$0
4.04% ▲ 1.28% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.28% above avgNationally 2.67%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month - GoldStar? Membership
$5
4.00% ▲ 1.24% above Utah avg
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.24% above avgNationally 2.67%
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
6 Month CD
$0
3.96% ▲ 1.20% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.20% above avgNationally 2.67%
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
6 Month CD
$0
3.95% ▲ 1.19% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.19% above avgNationally 2.67%
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
6-Month CD
$0
3.95% ▲ 1.19% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.19% above avgNationally 2.67%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Certificate
$500
3.95% ▲ 1.19% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.19% above avgNationally 2.67%
Details

Automatic Renewal

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
6 months
$0
3.92% ▲ 1.16% above Utah avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.16% above avgNationally 2.67%
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 6 Months
$1,000
3.91% ▲ 1.15% above Utah avg
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.15% above avgNationally 2.67%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6-month
$500
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
6-Month Certificate
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
6 month Certificate (CD)
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6 Month
$500
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
6 Months
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 6 Months
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 6 Months
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 6 Months - Loyalty
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 6 Months
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 6 Months - Loyalty
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
6 Month
$500
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
6 month Certificate (CD)
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month CD
$0
3.90% ▲ 1.14% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.14% above avgNationally 2.67%
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
3.85% ▲ 1.09% above Utah avg
View
▼
Rate3.78%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.09% above avgNationally 2.67%
Details

Open Online

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA
$0
3.85% ▲ 1.09% above Utah avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.09% above avgNationally 2.67%
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
6-Month
$0
3.85% ▲ 1.09% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.09% above avgNationally 2.67%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Certificate
$500
3.85% ▲ 1.09% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.09% above avgNationally 2.67%
Details

Automatic Renewal to Regular Certificate

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
6 Month
$0
3.81% ▲ 1.05% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.05% above avgNationally 2.67%
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
6 Month Certificate
$500
3.80% ▲ 1.04% above Utah avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.04% above avgNationally 2.67%
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
6-Month
$0
3.80% ▲ 1.04% above Utah avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.04% above avgNationally 2.67%
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 MONTH CERTIFICATE
$0
3.79% ▲ 1.03% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 1.03% above avgNationally 2.67%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
6 Months
$0
3.75% ▲ 0.99% above Utah avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.99% above avgNationally 2.67%
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
6 month CD
$0
3.75% ▲ 0.99% above Utah avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.99% above avgNationally 2.67%
Details

Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
6 mos
$0
3.75% ▲ 0.99% above Utah avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.99% above avgNationally 2.67%
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
6 Month Certificate
$0
3.65% ▲ 0.89% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.89% above avgNationally 2.67%
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month CD
$0
3.60% ▲ 0.84% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.84% above avgNationally 2.67%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60% ▲ 0.84% above Utah avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.84% above avgNationally 2.67%
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
6 Month Certificate
$1,000
3.60% ▲ 0.84% above Utah avg
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.84% above avgNationally 2.67%
Details

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
6 Month Certificate
$0
3.56% ▲ 0.80% above Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.80% above avgNationally 2.67%
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6 Month Certificate
$0
3.51% ▲ 0.75% above Utah avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.75% above avgNationally 2.67%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.50% ▲ 0.74% above Utah avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.74% above avgNationally 2.67%
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 6 Month Fixed Rate
$0
3.40% ▲ 0.64% above Utah avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.64% above avgNationally 2.67%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month Certificate
$0
3.40% ▲ 0.64% above Utah avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.64% above avgNationally 2.67%
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
6-Month
$0
3.29% ▲ 0.53% above Utah avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.53% above avgNationally 2.67%
Details

Dividends: Quarterly

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
6 months
$0
3.20% ▲ 0.44% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.44% above avgNationally 2.67%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
6 Months
$500
3.11% ▲ 0.35% above Utah avg
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.76%▲ 0.35% above avgNationally 2.67%
Details

Meadow 12 Month CD Rates

Utah 12 Month CD Average2.89% APYNational 2.83%▼ 0.90% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
12-Month
$500
4.50% ▲ 1.61% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.61% above avgNationally 2.83%
Details

Rates are as of August 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Savers 12-Month
$0
4.50% ▲ 1.61% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.61% above avgNationally 2.83%
Details

Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Rates are as of August 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
12-Month CD
$1,000
4.20% ▲ 1.31% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.31% above avgNationally 2.83%
Details

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12 month
$0
4.15% ▲ 1.26% above Utah avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.26% above avgNationally 2.83%
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
12 months
$0
4.15% ▲ 1.26% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.26% above avgNationally 2.83%
Details

Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
1-year CD
$1,500
4.15% ▲ 1.26% above Utah avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.26% above avgNationally 2.83%
Details

At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
1 Year CD
$0
4.10% ▲ 1.21% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.21% above avgNationally 2.83%
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
12 Month
$0
4.07% ▲ 1.18% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.18% above avgNationally 2.83%
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12 MONTH - ADD ON CERTIFICATE
$0
4.06% ▲ 1.17% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.17% above avgNationally 2.83%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1 Year Youth
$250
4.06% ▲ 1.17% above Utah avg
View
▼
Rate3.98%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.17% above avgNationally 2.83%
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
12 Month CD
$1,000
4.05% ▲ 1.16% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.16% above avgNationally 2.83%
Details

WebBank
Institution Rating:
A-4.9 ★Texas Ratio: 15.98%
1 Year CD
$0
4.01% ▲ 1.12% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.12% above avgNationally 2.83%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month - GoldStar? Membership
$5
4.00% ▲ 1.11% above Utah avg
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.11% above avgNationally 2.83%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
12 Month Certificate
$0
4.00% ▲ 1.11% above Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.11% above avgNationally 2.83%
Details

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Business <12 Months
$0
4.00% ▲ 1.11% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.11% above avgNationally 2.83%
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
1 year CD
$0
4.00% ▲ 1.11% above Utah avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.11% above avgNationally 2.83%
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
12 Month CD
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
12 month Certificate (CD)
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
12 Month
$500
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
12 Months
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Loyalty Rate: 3.87%, Loyalty APY: 3.95%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 12 Months
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Loyalty Rate: 3.87%, Loyalty APY: 3.95%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 12 Months
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 12 Months - Loyalty
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 12 Months
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 12 Months - Loyalty
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
12 month Certificate (CD)
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month CD
$0
3.95% ▲ 1.06% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.06% above avgNationally 2.83%
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
1 Year Certificate
$0
3.91% ▲ 1.02% above Utah avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.02% above avgNationally 2.83%
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 12 Months
$1,000
3.91% ▲ 1.02% above Utah avg
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.02% above avgNationally 2.83%
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$10,000
3.90% ▲ 1.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details

Open Online

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month IRA
$0
3.90% ▲ 1.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12-Month
$0
3.90% ▲ 1.01% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
12-month
$500
3.90% ▲ 1.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
12-Month Certificate
$0
3.90% ▲ 1.01% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month
$500
3.90% ▲ 1.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
12 Month Certificate
$500
3.90% ▲ 1.01% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.01% above avgNationally 2.83%
Details

Automatic Renewal

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89% ▲ 1.00% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 1.00% above avgNationally 2.83%
Details

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
12 months
$0
3.87% ▲ 0.98% above Utah avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.98% above avgNationally 2.83%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
12 Months
$0
3.85% ▲ 0.96% above Utah avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.96% above avgNationally 2.83%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
12 MO IRA CERTIFICAT
$500
3.85% ▲ 0.96% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.96% above avgNationally 2.83%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
12 MO YOUTH CERTIFIC
$50
3.85% ▲ 0.96% above Utah avg
View
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.96% above avgNationally 2.83%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
12 MONTH CERTIFICATE
$500
3.85% ▲ 0.96% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.96% above avgNationally 2.83%
Details

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1 Year Certificate
$0
3.82% ▲ 0.93% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.93% above avgNationally 2.83%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1 Year
$500
3.80% ▲ 0.91% above Utah avg
View
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.91% above avgNationally 2.83%
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
12-Month
$0
3.80% ▲ 0.91% above Utah avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.91% above avgNationally 2.83%
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
12 Month Certificate
$0
3.75% ▲ 0.86% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.86% above avgNationally 2.83%
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1-Year CD
$0
3.75% ▲ 0.86% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.86% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74% ▲ 0.85% above Utah avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.85% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74% ▲ 0.85% above Utah avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.85% above avgNationally 2.83%
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
12 Month Flex (regular only)
$0
3.70% ▲ 0.81% above Utah avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average2.89%▲ 0.81% above avgNationally 2.83%
Details

Meadow 18 Month CD Rates

Utah 18 Month CD Average3.89% APYNational 2.67%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
18 month
$0
4.25% ▲ 0.36% above Utah avg
View
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.36% above avgNationally 2.67%
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
18 months
$0
4.25% ▲ 0.36% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.36% above avgNationally 2.67%
Details

Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Fixed IRA CD
$100
4.20% ▲ 0.31% above Utah avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.31% above avgNationally 2.67%
Details

Annual Percentage Yields (APY) are accurate as of August 19, 2026 and are subject to change. Early withdrawals will have a substantial penalty imposed. Fees may reduce earnings.

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18-Month CD
$1,000
4.10% ▲ 0.21% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.21% above avgNationally 2.67%
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
18 Month CD
$1,000
4.10% ▲ 0.21% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.21% above avgNationally 2.67%
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 MONTH CERTIFICATE
$0
4.06% ▲ 0.17% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.17% above avgNationally 2.67%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month - GoldStar? Membership
$5
4.00% ▲ 0.11% above Utah avg
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.11% above avgNationally 2.67%
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
18 month Certificate (CD)
$0
4.00% ▲ 0.11% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.11% above avgNationally 2.67%
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 month Certificate (CD)
$0
4.00% ▲ 0.11% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.11% above avgNationally 2.67%
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
18 Month CD
$0
3.95% ▲ 0.06% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.06% above avgNationally 2.67%
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
18 Month
$0
3.95% ▲ 0.06% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.06% above avgNationally 2.67%
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
18 Month
$500
3.95% ▲ 0.06% above Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.06% above avgNationally 2.67%
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$10,000
3.90% ▲ 0.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$0
3.90% ▲ 0.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
18-Month
$0
3.90% ▲ 0.01% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
18-month
$500
3.90% ▲ 0.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
18-Month Certificate
$0
3.90% ▲ 0.01% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details

w/bump

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.90% ▲ 0.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 Month
$500
3.90% ▲ 0.01% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month Certificate
$500
3.90% ▲ 0.01% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▲ 0.01% above avgNationally 2.67%
Details

Automatic Renewal to Regular Certificate

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.85% ▼ 0.04% below Utah avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.04% below avgNationally 2.67%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.85% ▼ 0.04% below Utah avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.04% below avgNationally 2.67%
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 18 Months
$1,000
3.83% ▼ 0.06% below Utah avg
View
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.06% below avgNationally 2.67%
Details

Inland Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.98%
18 months
$0
3.80% ▼ 0.09% below Utah avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.09% below avgNationally 2.67%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month Certificate
$500
3.80% ▼ 0.09% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.09% below avgNationally 2.67%
Details

Automatic Renewal

Celtic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Months Certificate
$0
3.77% ▼ 0.12% below Utah avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.12% below avgNationally 2.67%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Month Certificate
$0
3.75% ▼ 0.14% below Utah avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
18 Month Certificate
$0
3.75% ▼ 0.14% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
18 MO IRA CERTIFICAT
$500
3.75% ▼ 0.14% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
18 MO YOUTH CERTIFIC
$50
3.75% ▼ 0.14% below Utah avg
View
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
18 MONTH CERTIFICATE
$500
3.75% ▼ 0.14% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.14% below avgNationally 2.67%
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
18 Month Variable
$0
3.72% ▼ 0.17% below Utah avg
View
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.17% below avgNationally 2.67%
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
18 Month
$0
3.56% ▼ 0.33% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.33% below avgNationally 2.67%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 18 months
$500
3.50% ▼ 0.39% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.39% below avgNationally 2.67%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
18 mos
$0
3.50% ▼ 0.39% below Utah avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.39% below avgNationally 2.67%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term
$0
3.45% ▼ 0.44% below Utah avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.45% ▼ 0.44% below Utah avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details

Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials Rewards
$0
3.45% ▼ 0.44% below Utah avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details

Regular APY 3.45% Dividend Rate 3.40%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term IRA CD Specials
$0
3.45% ▼ 0.44% below Utah avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details

Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term IRA CD Specials Rewards
$0
3.45% ▼ 0.44% below Utah avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details

Regular APY 3.30% Dividend Rate 3.25%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
IRA CD Specials - 18-month term
$0
3.45% ▼ 0.44% below Utah avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.44% below avgNationally 2.67%
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
18 Month Certificate
$500
3.44% ▼ 0.45% below Utah avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.45% below avgNationally 2.67%
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 18 Month Fixed Rate
$0
3.25% ▼ 0.64% below Utah avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 0.64% below avgNationally 2.67%
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month Certificate
$0
2.52% ▼ 1.37% below Utah avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 1.37% below avgNationally 2.67%
Details

Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
18 Months Share Certificate
$0
1.60% ▼ 2.29% below Utah avg
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.89%▼ 2.29% below avgNationally 2.67%
Details

Meadow 24 Month CD Rates

Utah 24 Month CD Average3.95% APYNational 2.71%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 2 years
$500
4.40% ▲ 0.45% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.45% above avgNationally 2.71%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
24 month
$0
4.35% ▲ 0.40% above Utah avg
View
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.40% above avgNationally 2.71%
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
24 months
$0
4.25% ▲ 0.30% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.30% above avgNationally 2.71%
Details

Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
24-Month
$500
4.25% ▲ 0.30% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.30% above avgNationally 2.71%
Details

Rates are as of August 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 MONTH CERTIFICATE
$0
4.20% ▲ 0.25% above Utah avg
View
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.25% above avgNationally 2.71%
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
2 year CD
$0
4.20% ▲ 0.25% above Utah avg
View
▼
Rate4.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.25% above avgNationally 2.71%
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2 Year CD
$0
4.20% ▲ 0.25% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.25% above avgNationally 2.71%
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
24 Month CD
$1,000
4.15% ▲ 0.20% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.20% above avgNationally 2.71%
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
24 month Certificate (CD)
$0
4.10% ▲ 0.15% above Utah avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.71%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
24 Months
$0
4.10% ▲ 0.15% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.71%
Details

Loyalty Rate: 4.02%, Loyalty APY: 4.10%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 24 Months
$0
4.10% ▲ 0.15% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.71%
Details

Loyalty Rate: 4.02%, Loyalty APY: 4.10%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 24 Months
$0
4.10% ▲ 0.15% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.71%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 24 Months - Loyalty
$0
4.10% ▲ 0.15% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.71%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 24 Months
$0
4.10% ▲ 0.15% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.71%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 24 Months - Loyalty
$0
4.10% ▲ 0.15% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.71%
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
24 month Certificate (CD)
$0
4.10% ▲ 0.15% above Utah avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.15% above avgNationally 2.71%
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
24-Month CD
$1,000
4.05% ▲ 0.10% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.10% above avgNationally 2.71%
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
24 Month CD
$0
4.05% ▲ 0.10% above Utah avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.10% above avgNationally 2.71%
Details

Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
24-Month Certificate
$0
4.05% ▲ 0.10% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.10% above avgNationally 2.71%
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
24 Month CD
$0
4.05% ▲ 0.10% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.10% above avgNationally 2.71%
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
2 Year Certificate
$1,000
4.01% ▲ 0.06% above Utah avg
View
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.06% above avgNationally 2.71%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month - GoldStar? Membership
$5
4.00% ▲ 0.05% above Utah avg
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.05% above avgNationally 2.71%
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
24 Month
$500
4.00% ▲ 0.05% above Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.05% above avgNationally 2.71%
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
24-month certificate
$0
4.00% ▲ 0.05% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.05% above avgNationally 2.71%
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 24 Months
$1,000
3.99% ▲ 0.04% above Utah avg
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▲ 0.04% above avgNationally 2.71%
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
24-Month
$0
3.95% At Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.71%
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
24 Month
$0
3.95% At Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.71%
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
24 Month
$500
3.95% At Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.71%
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
2 1/2-Year CD
$0
3.95% At Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.71%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Certificate
$500
3.95% At Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%At the averageNationally 2.71%
Details

Automatic Renewal to Regular Certificate

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
24-month
$500
3.90% ▼ 0.05% below Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.05% below avgNationally 2.71%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90% ▼ 0.05% below Utah avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.05% below avgNationally 2.71%
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
24-Month
$0
3.90% ▼ 0.05% below Utah avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.05% below avgNationally 2.71%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
2 Years
$500
3.85% ▼ 0.10% below Utah avg
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.71%
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
24 Month Certificate
$0
3.85% ▼ 0.10% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.71%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
24 MO IRA CERTIFICAT
$500
3.85% ▼ 0.10% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.71%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
24 MO YOUTH CERTIFIC
$50
3.85% ▼ 0.10% below Utah avg
View
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.71%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
24 MONTH CERTIFICATE
$500
3.85% ▼ 0.10% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.10% below avgNationally 2.71%
Details

Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
24 months
$0
3.81% ▼ 0.14% below Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.14% below avgNationally 2.71%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75% ▼ 0.20% below Utah avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.20% below avgNationally 2.71%
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1 1/2 Year-CD
$0
3.75% ▼ 0.20% below Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.20% below avgNationally 2.71%
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month CD
$0
3.65% ▼ 0.30% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.30% below avgNationally 2.71%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 Month Certificate
$0
3.60% ▼ 0.35% below Utah avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.35% below avgNationally 2.71%
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
24 Month
$0
3.56% ▼ 0.39% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.39% below avgNationally 2.71%
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
24 Month Certificate
$500
3.55% ▼ 0.40% below Utah avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.40% below avgNationally 2.71%
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
2-Year
$0
3.54% ▼ 0.41% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.41% below avgNationally 2.71%
Details

Dividends: Quarterly

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$10,000
3.50% ▼ 0.45% below Utah avg
View
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.45% below avgNationally 2.71%
Details

Open Online

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA
$0
3.50% ▼ 0.45% below Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.45% below avgNationally 2.71%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
24 Month Certificate
$0
3.50% ▼ 0.45% below Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.45% below avgNationally 2.71%
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
2-Year CD
$0
3.50% ▼ 0.45% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.95%▼ 0.45% below avgNationally 2.71%
Details

Meadow 36 Month CD Rates

Utah 36 Month CD Average3.99% APYNational 2.66%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
36 month
$0
4.40% ▲ 0.41% above Utah avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.41% above avgNationally 2.66%
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
36 months
$0
4.35% ▲ 0.36% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.36% above avgNationally 2.66%
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
36 Month
$500
4.25% ▲ 0.26% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.26% above avgNationally 2.66%
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
36 Month CD
$1,000
4.20% ▲ 0.21% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.21% above avgNationally 2.66%
Details

Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
3 Year CD
$0
4.15% ▲ 0.16% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.16% above avgNationally 2.66%
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
36 Month CD
$0
4.05% ▲ 0.06% above Utah avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.06% above avgNationally 2.66%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month - GoldStar? Membership
$5
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 month Certificate (CD)
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
36 Months
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Loyalty Rate: 3.92%, Loyalty APY: 4.00%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 36 Months
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Loyalty Rate: 3.92%, Loyalty APY: 4.00%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 36 Months
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 36 Months - Loyalty
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 36 Months
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 36 Months - Loyalty
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 year CD
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 month Certificate (CD)
$0
4.00% ▲ 0.01% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▲ 0.01% above avgNationally 2.66%
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 36 Months
$1,000
3.99% At Utah avg
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%At the averageNationally 2.66%
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
36-Month
$0
3.95% ▼ 0.04% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
36 Month
$0
3.95% ▼ 0.04% below Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MO IRA CERTIFICAT
$50,000
3.95% ▼ 0.04% below Utah avg
View
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MONTH CERTIFICATE
$50,000
3.95% ▼ 0.04% below Utah avg
View
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
36 Month
$500
3.95% ▼ 0.04% below Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.04% below avgNationally 2.66%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
36-month
$500
3.90% ▼ 0.09% below Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.09% below avgNationally 2.66%
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
3-Year
$0
3.90% ▼ 0.09% below Utah avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.09% below avgNationally 2.66%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3 Years
$500
3.86% ▼ 0.13% below Utah avg
View
▼
Rate3.79%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.13% below avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86% ▼ 0.13% below Utah avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.13% below avgNationally 2.66%
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
36 Month Certificate
$0
3.85% ▼ 0.14% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.14% below avgNationally 2.66%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MO IRA CERTIFICAT
$500
3.85% ▼ 0.14% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.14% below avgNationally 2.66%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MO YOUTH CERTIFIC
$50
3.85% ▼ 0.14% below Utah avg
View
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.14% below avgNationally 2.66%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
36 MONTH CERTIFICATE
$500
3.85% ▼ 0.14% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.14% below avgNationally 2.66%
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
36 MONTH CERTIFICATE
$0
3.80% ▼ 0.19% below Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.19% below avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71% ▼ 0.28% below Utah avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.28% below avgNationally 2.66%
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month CD
$0
3.70% ▼ 0.29% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.29% below avgNationally 2.66%
Details

LimeLight Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
36-Month CD
$1,000
3.65% ▼ 0.34% below Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.34% below avgNationally 2.66%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month Certificate
$0
3.60% ▼ 0.39% below Utah avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.39% below avgNationally 2.66%
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
36 Month
$0
3.56% ▼ 0.43% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.43% below avgNationally 2.66%
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
36 Month Certificate
$500
3.55% ▼ 0.44% below Utah avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.44% below avgNationally 2.66%
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3 Year Certificate
$1,000
3.55% ▼ 0.44% below Utah avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.44% below avgNationally 2.66%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
36 Month Certificate
$0
3.50% ▼ 0.49% below Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.49% below avgNationally 2.66%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 3 years
$500
3.45% ▼ 0.54% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.54% below avgNationally 2.66%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Months
$0
3.36% ▼ 0.63% below Utah avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.63% below avgNationally 2.66%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Months
$0
3.32% ▼ 0.67% below Utah avg
View
▼
Rate3.27%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.67% below avgNationally 2.66%
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36 month
$500
3.30% ▼ 0.69% below Utah avg
View
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.69% below avgNationally 2.66%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 Months
$0
3.30% ▼ 0.69% below Utah avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.69% below avgNationally 2.66%
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
3-Year
$0
3.29% ▼ 0.70% below Utah avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.70% below avgNationally 2.66%
Details

Dividends: Quarterly

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
3 Year Certificate
$0
3.04% ▼ 0.95% below Utah avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.95% below avgNationally 2.66%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
36 Months
$500
3.00% ▼ 0.99% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.99% below avgNationally 2.66%
Details

.25% bonus for Star and Senior Accounts!

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$10,000
3.00% ▼ 0.99% below Utah avg
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.99% below avgNationally 2.66%
Details

Open Online

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA
$0
3.00% ▼ 0.99% below Utah avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.99% below avgNationally 2.66%
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
3-Year CD
$0
3.00% ▼ 0.99% below Utah avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average3.99%▼ 0.99% below avgNationally 2.66%
Details

Meadow 48 Month CD Rates

Utah 48 Month CD Average4.03% APYNational 2.65%▲ 0.14% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
48 month
$0
4.45% ▲ 0.42% above Utah avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.42% above avgNationally 2.65%
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
48 Month CD
$1,000
4.20% ▲ 0.17% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.17% above avgNationally 2.65%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
48 MO IRA CERTIFICAT
$50,000
4.10% ▲ 0.07% above Utah avg
View
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.07% above avgNationally 2.65%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
48 MONTH CERTIFICATE
$50,000
4.10% ▲ 0.07% above Utah avg
View
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.07% above avgNationally 2.65%
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
48 Month CD
$0
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.65%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
48 Month Certificate
$500
4.05% ▲ 0.02% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.65%
Details

Automatic Renewal to Regular Certificate

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month - GoldStar? Membership
$5
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
48 month Certificate (CD)
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
48 Month
$500
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
48 Months
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Loyalty Rate: 3.92%, Loyalty APY: 4.00%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 48 Months
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Loyalty Rate: 3.92%, Loyalty APY: 4.00%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 48 Months
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 48 Months - Loyalty
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 48 Months
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 48 Months - Loyalty
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
48 MO IRA CERTIFICAT
$500
4.00% ▼ 0.03% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 month Certificate (CD)
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.65%
Details

Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
48-Month
$0
3.95% ▼ 0.08% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.65%
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
48 Month
$0
3.95% ▼ 0.08% below Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.65%
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 Month
$500
3.95% ▼ 0.08% below Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.65%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
48 Month Certificate
$500
3.95% ▼ 0.08% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.65%
Details

Automatic Renewal

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
48-month
$500
3.90% ▼ 0.13% below Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.13% below avgNationally 2.65%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
4 Years
$500
3.90% ▼ 0.13% below Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.13% below avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86% ▼ 0.17% below Utah avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.17% below avgNationally 2.65%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
48 MO YOUTH CERTIFIC
$50
3.85% ▼ 0.18% below Utah avg
View
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.18% below avgNationally 2.65%
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
4 Year Certificate
$1,000
3.80% ▼ 0.23% below Utah avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.23% below avgNationally 2.65%
Details

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
48 MONTH CERTIFICATE
$0
3.80% ▼ 0.23% below Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.23% below avgNationally 2.65%
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month CD
$0
3.75% ▼ 0.28% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.28% below avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71% ▼ 0.32% below Utah avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.32% below avgNationally 2.65%
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
48 Month Certificate
$500
3.65% ▼ 0.38% below Utah avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.38% below avgNationally 2.65%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Month Certificate
$0
3.60% ▼ 0.43% below Utah avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.43% below avgNationally 2.65%
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
48 Month
$0
3.56% ▼ 0.47% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.47% below avgNationally 2.65%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
48 Month Certificate
$0
3.50% ▼ 0.53% below Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.53% below avgNationally 2.65%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.46% ▼ 0.57% below Utah avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.57% below avgNationally 2.65%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.41% ▼ 0.62% below Utah avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.62% below avgNationally 2.65%
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48 month
$500
3.40% ▼ 0.63% below Utah avg
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.63% below avgNationally 2.65%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
48 Months
$0
3.36% ▼ 0.67% below Utah avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.67% below avgNationally 2.65%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
48 Months
$500
3.10% ▼ 0.93% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.93% below avgNationally 2.65%
Details

.25% bonus for Star and Senior Accounts!

Green Dot Bank DBA Bonneville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4 Year Certificate
$0
3.04% ▼ 0.99% below Utah avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.99% below avgNationally 2.65%
Details

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$10,000
3.00% ▼ 1.03% below Utah avg
View
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.03% below avgNationally 2.65%
Details

Open Online

Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month IRA
$0
3.00% ▼ 1.03% below Utah avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.03% below avgNationally 2.65%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term
$0
2.90% ▼ 1.13% below Utah avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.65%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard CDs
$0
2.90% ▼ 1.13% below Utah avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.65%
Details

Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard CDs Rewards
$0
2.90% ▼ 1.13% below Utah avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.65%
Details

Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard IRA CDs
$0
2.90% ▼ 1.13% below Utah avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.65%
Details

Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term Standard IRA CDs Rewards
$0
2.90% ▼ 1.13% below Utah avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.65%
Details

Regular APY 2.64% Dividend Rate 2.61%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Standard IRA CDs 48-month term
$0
2.90% ▼ 1.13% below Utah avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.13% below avgNationally 2.65%
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificate
$0
2.68% ▼ 1.35% below Utah avg
View
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.35% below avgNationally 2.65%
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
48-month term
$0
2.64% ▼ 1.39% below Utah avg
View
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.39% below avgNationally 2.65%
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 48 Month Fixed Rate
$0
2.50% ▼ 1.53% below Utah avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 1.53% below avgNationally 2.65%
Details

Meadow 60 Month CD Rates

Utah 60 Month CD Average4.03% APYNational 2.76%▲ 0.21% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60 month
$0
4.45% ▲ 0.42% above Utah avg
View
▼
Rate4.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.42% above avgNationally 2.76%
Details

Sallie Mae
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
60 months
$0
4.35% ▲ 0.32% above Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.32% above avgNationally 2.76%
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months Certificate
$500
4.30% ▲ 0.27% above Utah avg
View
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.27% above avgNationally 2.76%
Details

TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
60 Month CD
$1,000
4.20% ▲ 0.17% above Utah avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.17% above avgNationally 2.76%
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
4.15% ▲ 0.12% above Utah avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.12% above avgNationally 2.76%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MO IRA CERTIFICAT
$50,000
4.15% ▲ 0.12% above Utah avg
View
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.12% above avgNationally 2.76%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MONTH CERTIFICATE
$50,000
4.15% ▲ 0.12% above Utah avg
View
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.12% above avgNationally 2.76%
Details

Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
60 Month CD
$0
4.10% ▲ 0.07% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.07% above avgNationally 2.76%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60 Month Certificate
$500
4.10% ▲ 0.07% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.07% above avgNationally 2.76%
Details

Automatic Renewal to Regular Certificate

State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
60 MONTH CERTIFICATE
$0
4.06% ▲ 0.03% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.03% above avgNationally 2.76%
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
5 Year Certificate
$1,000
4.06% ▲ 0.03% above Utah avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.03% above avgNationally 2.76%
Details

Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
60 Month
$500
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
60 Months
$0
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Loyalty Rate: 3.97%, Loyalty APY: 4.05%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Jumbo 60 Months
$0
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Loyalty Rate: 3.97%, Loyalty APY: 4.05%

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 60 Months
$0
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
IRA Regular 60 Months - Loyalty
$0
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 60 Months
$0
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
Jumbo Share Certificate 60 Months - Loyalty
$0
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MO IRA CERTIFICAT
$500
4.05% ▲ 0.02% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MONTH CERTIFICATE
$500
4.05% ▲ 0.02% above Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
5 year CD
$0
4.05% ▲ 0.02% above Utah avg
View
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▲ 0.02% above avgNationally 2.76%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month GoldStar? Certificate
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

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

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month - GoldStar? Membership
$5
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
5 Years
$500
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
60 Month
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
60 month Certificate (CD)
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 22.82%
5-Year Jump
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
60 month Certificate (CD)
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
60 Months
$500
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
60 Months Jump Up
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 2.75%
Business 60 Months Jump Up
$0
4.00% ▼ 0.03% below Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.03% below avgNationally 2.76%
Details

Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
Share Certificates (CDs) 60 Months
$1,000
3.99% ▼ 0.04% below Utah avg
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.04% below avgNationally 2.76%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97% ▼ 0.06% below Utah avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.06% below avgNationally 2.76%
Details

HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
5 Year Step-Up CD
$1,000
3.96% ▼ 0.07% below Utah avg
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.07% below avgNationally 2.76%
Details

Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
60 Month Certificate
$0
3.95% ▼ 0.08% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.76%
Details

Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
60 Month
$500
3.95% ▼ 0.08% below Utah avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.08% below avgNationally 2.76%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
6 to 60-Month Certificate
$0
3.90% ▼ 0.13% below Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.13% below avgNationally 2.76%
Details

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
60-month
$500
3.90% ▼ 0.13% below Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.13% below avgNationally 2.76%
Details

Horizon Utah Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.45%
60 MO YOUTH CERTIFIC
$50
3.85% ▼ 0.18% below Utah avg
View
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.18% below avgNationally 2.76%
Details

P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60 Month Certificate
$500
3.85% ▼ 0.18% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.18% below avgNationally 2.76%
Details

Automatic Renewal

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81% ▼ 0.22% below Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.22% below avgNationally 2.76%
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month CD
$0
3.75% ▼ 0.28% below Utah avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.28% below avgNationally 2.76%
Details

San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
60 Month Certificate
$500
3.65% ▼ 0.38% below Utah avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.38% below avgNationally 2.76%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Months
$0
3.56% ▼ 0.47% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.47% below avgNationally 2.76%
Details

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.80%
60 Month
$0
3.56% ▼ 0.47% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.47% below avgNationally 2.76%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Months
$0
3.51% ▼ 0.52% below Utah avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.52% below avgNationally 2.76%
Details

First Utah Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60 month
$500
3.50% ▼ 0.53% below Utah avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.53% below avgNationally 2.76%
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
60 Month Certificate
$0
3.50% ▼ 0.53% below Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.53% below avgNationally 2.76%
Details

Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 Months
$0
3.49% ▼ 0.54% below Utah avg
View
▼
Rate3.43%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.54% below avgNationally 2.76%
Details

Happen Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Consumer Certificate of Deposit - 5 years
$500
3.40% ▼ 0.63% below Utah avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Utah Average4.03%▼ 0.63% below avgNationally 2.76%
Details

Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

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

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

Top CD Rates from Meadow, Utah Institutions

Highest verified APYs available today — updated August 28, 2026

B Top 5 Bank Rates
Morgan Stanley
48 month
A+ 5.0 ★ TX: 1.52%
Min: $0
4.45%
Happen Bank
Consumer Certificate of Deposit - 2 years
A 5.0 ★ TX: 6.13%
Min: $500
4.40%
Sallie Mae
36 months
A 5.0 ★ TX: 7.81%
Min: $0
4.35%
UTAH COMMUNITY
6 Month Add-on
C 3.8 ★ TX: 2.75%
Min: $0
4.24%
LimeLight Bank
12-Month CD
A 5.0 ★ TX: 12.00%
Min: $1,000
4.20%
CU Top 5 Credit Union Rates
Utah Power Credit Union
12-Month
A+ 5.0 ★ TX: 1.00%
Min: $500
4.50%
America First Federal Credit Union
60 Months Certificate
A 5.0 ★ TX: 7.26%
Min: $500
4.30%
Jordan Federal Credit Union
36 Month
A+ 5.0 ★ TX: 2.87%
Min: $500
4.25%
Desert Rivers Federal Credit Union
2 year CD
A 5.0 ★ TX: 8.74%
Min: $0
4.20%
Members First Credit Union
2 Year CD
A+ 5.0 ★ TX: 0.57%
Min: $0
4.20%
Rates verified August 28, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Meadow, UT CD Rate Trends

Compare local Meadow, UT CD rate quotes against the statewide average

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

View Full Utah CD Trends
12-Month CD — UT Avg
2.891%
▼ 0.895 vs 7 days ago

Utah 12-month CD rates fell 0.895 points over the past 7 days to 2.891% APY.

6-Month CD — UT Avg
2.760%
▼ 1.141 vs 7 days ago

Utah 6-month CD rates fell 1.141 points over the past 7 days to 2.760% APY.

As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

UT CD Rate Forecast — Next 12 Months

Where are Utah CD rates headed through August 2027?

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

UT 12-Month Avg APY
2.891%
6-Month Forecast
2.891%
Range: 2.69% – 3.04%
12-Month Forecast
2.641%
Range: 2.44% – 2.79%

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

Spread model: The Utah 12-month CD average currently trades 1.48% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at UT CD Rates Today

Annual interest earnings at today’s Utah average APYs. State average used where available; national average as fallback.

CD Term UT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.264% $113.22 $226.43 $566.08 $1,132.15
6-Month CD 2.760% $138.00 $275.99 $689.97 $1,379.95
12-Month CD 2.891% $144.54 $289.08 $722.70 $1,445.40
18-Month CD 3.889% $194.44 $388.87 $972.18 $1,944.35
24-Month CD 3.952% $197.62 $395.24 $988.10 $1,976.20
36-Month CD 3.986% $199.30 $398.59 $996.47 $1,992.95
48-Month CD 4.027% $201.35 $402.70 $1,006.75 $2,013.50
60-Month CD 4.030% $201.51 $403.01 $1,007.53 $2,015.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026.

Sample CD Ladder for Meadow, Utah Savers

$25,000 split equally across 5 terms using today’s Utah average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit UT Avg APY Annual Earnings
1 3-Month CD $5,000 2.264% $113.22
2 6-Month CD $5,000 2.760% $138.00
3 12-Month CD $5,000 2.891% $144.54
4 24-Month CD $5,000 3.952% $197.62
5 36-Month CD $5,000 3.986% $199.30
Total ($25,000 invested) $25,000 3.171% blended $792.68/yr

Ladder example uses equal $5,000 rungs and Utah average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

391
CD Rates
Tracked in Meadow, Utah
20 Banks 34 Credit Unions

About Our Meadow, Utah CD Rate Database

MonitorBankRates tracks 391 CD rates from 20 banks and 34 credit unions with locations in Meadow, Utah, plus national online institutions available to Utah residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

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

Current top rate: Utah Power Credit Union offers a CD at 4.50% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Meadow, Utah.

How to Find the Best CD Rates in Meadow, Utah

What to compare when shopping for a CD in Meadow, Utah

To find the best APYs in Meadow, Utah, start with credit unions and online-only banks — Meadow, Utah has 34 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Meadow, 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 Meadow, Utah — 54 institutions here report CD rates

Consider an Alternative If…

Utah Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)

Population 65+
11.9%
National avg: 17.3%
Median Individual Earnings
$43,714
National avg: $47,340
Poverty Rate
8.5%
National avg: 11.1%
Unemployment Rate
3.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$126/yr
At UT 12-mo avg 2.891% APY

11.9% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy. At today’s UT 12-month CD average of 2.891%, saving 10% of the local median salary ($4,371/year) and putting it in a CD would earn an additional $126 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 Meadow, Utah

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

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

How Certificates of Deposit Work in Meadow, 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 Meadow, 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 Meadow, Utah as everywhere in the U.S.

Choosing a CD Term in Meadow, 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 Meadow, Utah savers easier access to their funds. For example, UTAH COMMUNITY is offering its 6 Month Add-on at 4.24% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Morgan Stanley is offering its 60 month at 4.45% 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 Meadow, 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 Meadow, 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 Meadow, 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 Meadow, 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 Meadow, Utah

Most CDs carry a fixed rate that is locked for the entire term, protecting a Meadow, 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 Meadow, Utah

Are CD rates in Meadow, Utah FDIC insured?

Yes, most established banks in Meadow, 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 Meadow, 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 Meadow, 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 Meadow, 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 Meadow, Utah?

Here are recent top rates found for this area:
  • Utah Power Credit Union: 4.50% APY (12-Month)
  • Morgan Stanley: 4.45% APY (48 month)
  • Happen Bank: 4.40% APY (Consumer Certificate of Deposit - 2 years)
  • Sallie Mae: 4.35% APY (36 months)
  • America First Federal Credit Union: 4.30% APY (60 Months Certificate)
  • Jordan Federal Credit Union: 4.25% APY (36 Month)
  • UTAH COMMUNITY: 4.24% APY (6 Month Add-on)
  • LimeLight Bank: 4.20% APY (12-Month CD)
  • TAB Bank: 4.20% APY (36 Month CD)
  • Bank of Utah: 4.20% APY (18 Month Fixed IRA CD)
Rates reflect recent verified offers available in Meadow, Utah. Last Updated: August 28, 2026

Meadow, 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 Meadow, Utah rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures
—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Meadow, Utah CD Rates by Term

Verified August 28, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Meadow, Utah. Averages shown use the Utah state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Meadow, Utah

Meadow, Utah CD Calculator

At today’s UT top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Meadow, Utah CD Ladder

UT CD rates currently range from 2.264% (3-month) to 3.986% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Meadow, Utah CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Utah’s average 12-month CD is 2.891% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Meadow, 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 Meadow, 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 Meadow, Utah. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in UT.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: August 28, 2026

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