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CD Rate Trends

Saratoga Springs, Utah Best CD Rates October 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.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Saratoga Springs, Utah CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 12, 2026. Current Saratoga Springs, Utah CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union25 E Crossroads Blvd, Saratoga Springs, UT 84045 4823A5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, America First Federal Credit UnionAmerica First Federal Credit Union1420 N Commerce Dr, Saratoga Springs, UT 84045A5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Flexible Certificate at 4.50% APY, Cyprus Federal Credit UnionCyprus Federal Credit Union74 W Crossroads Blvd, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 2.73%Real return: +1.50%APY minus CPI (February 2026) offering 60 month Certificate (CD) at 4.30% APY, Central Bank Provo, UTCentral Bank Provo, UT207 E Thrive Drive, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 1.94%Real return: +1.42%APY minus CPI (February 2026) offering 12 Month Personal Certificates of Deposit at 4.22% APY, and Wells FargoWells Fargo841 N Redwood Rd, Saratoga Springs, UT 84045A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate at 1.51% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Saratoga Springs has 31 local institutions in our database, with CD rates as high as 4.50% APY from Mountain America Federal Credit Union at 25 E Crossroads Blvd, Saratoga Springs, UT 84045 4823. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Utah area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 12, 2026

Compare Best CD Rates in Saratoga Springs, Utah & the Surrounding Area

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

Saratoga Springs 3 Month CD Rates

Utah 3 Month CD Average2.43% APYNational 2.09%▼ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.37% below Utah avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.37% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.37% below Utah avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.37% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.15% above Utah avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average2.43%▲ 2.15% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$0
3.96% ▲ 1.53% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▲ 1.53% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 7, 2026: 3.96% APYSep 7, 2026Oct 13, 2026
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
3-month CD
$1,500
3.90% ▲ 1.47% above Utah avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▲ 1.47% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$500
3.90% ▲ 1.47% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 1.47% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.42% above Utah avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Utah Average2.43%▲ 1.42% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 Month Share Certificate
$500
3.85% ▲ 1.42% above Utah avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 1.42% above avgNationally 2.09%
Details

Paid Monthly

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Oct 13, 2026
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.28%
3 Month Three Month Certificate
$500
3.80% ▲ 1.37% above Utah avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 1.37% above avgNationally 2.09%
Details

Dividend Compounded: Quarterly Dividend Credited: Quarterly Dividend Period: At Maturity

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 month Super CD
$500
3.65% ▲ 1.22% above Utah avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 1.22% above avgNationally 2.09%
Details

***

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 90 Day Fixed Rate CD
$0
3.50% ▲ 1.07% above Utah avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3-Month Penalty-Free Certificate
$250,000
3.50% ▲ 1.07% above Utah avg
View
▼
Rate3.44%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 17, 2026: 3.50% APYSep 17, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month 500 Minimum Deposit Certificate
$0
3.30% ▲ 0.87% above Utah avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 0.87% above avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Certificate
$0
3.30% ▲ 0.87% above Utah avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 0.87% above avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.30% ▲ 0.87% above Utah avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 0.87% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 Month Certificate
$500
3.20% ▲ 0.77% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average2.43%▲ 0.77% above avgNationally 2.09%
Details

.25% bonus for Star and Senior Accounts!

Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 24, 2026: 3.10% APYOct 12, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
  • Oct 12, 20263.20%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Month High Yield CD
$0
2.80% ▲ 0.37% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▲ 0.37% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.70% → 2.80% ▲ 0.10 pts · high 2.80% / low 2.70%
2.20%2.75%3.30%Sep 18, 2026: 2.70% APYSep 27, 2026: 2.80% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20262.80%▲ from 2.70%
  • Sep 18, 20262.70%first recorded
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3-Month Penalty-Free Certificate
$100,000
2.75% ▲ 0.32% above Utah avg
View
▼
Rate2.72%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▲ 0.32% above avgNationally 2.09%
Details

Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 17, 2026: 2.75% APYSep 17, 2026Oct 13, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3-Month Certificate
$0
2.27% ▼ 0.16% below Utah avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 0.16% below avgNationally 2.09%
Details

Balance: $50,000+; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 13, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3-Month Penalty-Free Certificate
$50,000
2.25% ▼ 0.18% below Utah avg
View
▼
Rate2.23%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▼ 0.18% below avgNationally 2.09%
Details

Rate History
No change since Sep 17, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 17, 2026: 2.25% APYSep 17, 2026Oct 13, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3-Month Penalty-Free Certificate
$25
2.00% ▼ 0.43% below Utah avg
View
▼
Rate1.98%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▼ 0.43% below avgNationally 2.09%
Details

Rate History
No change since Sep 17, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 17, 2026: 2.00% APYSep 17, 2026Oct 13, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3-Month Certificate
$0
1.76% ▼ 0.67% below Utah avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 0.67% below avgNationally 2.09%
Details

Balance: $1,000-$49,999.99; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3-month term
$0
0.60% ▼ 1.83% below Utah avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3-month term Standard CD
$0
0.50% ▼ 1.93% below Utah avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 1.93% below avgNationally 2.09%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 MONTH CERTIFICATE
$0
0.20% ▼ 2.23% below Utah avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.23% below avgNationally 2.09%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 13, 2026
Continental Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
90 Days Certificate of Deposit
$0
0.20% ▼ 2.23% below Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average2.43%▼ 2.23% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.33% below Utah avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.33% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.33% below Utah avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.33% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
3-Month CD
$0
0.10% ▼ 2.33% below Utah avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▼ 2.33% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3 Month Business Share Certificate
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 5, 2026: 0.05% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3 Month IRA Share Certificate
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Loyalty Rate: 0.05%, Loyalty APY: 0.05%

Rate History
No change since Oct 5, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 5, 2026: 0.05% APYOct 5, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificates
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$0
0.05% ▼ 2.38% below Utah avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average2.43%▼ 2.38% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

Saratoga Springs 6 Month CD Rates

Utah 6 Month CD Average3.68% APYNational 2.78%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
207 E Thrive Drive, Saratoga Springs, UT 84045
6 Month Personal Certificates of Deposit
$0
4.22% ▲ 0.54% above Utah avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.54% above avgNationally 2.78%
Details

Balance: $500+; Term: 6 Months to 11 Months

Rate History
1 change since Sep 28, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
3.61%4.17%4.72%Sep 28, 2026: 4.11% APYOct 3, 2026: 4.22% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.22%▲ from 4.11%
  • Sep 28, 20264.11%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
74 W Crossroads Blvd, Saratoga Springs, UT 84045
6 month Certificate (CD)
$0
3.95% ▲ 0.27% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 14, 2026: 3.90% APYSep 25, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.95%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.62% below Utah avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▼ 3.62% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.62% below Utah avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▼ 3.62% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.63% below Utah avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▼ 3.63% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
4.40% ▲ 0.72% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.68%▲ 0.72% above avgNationally 2.78%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
6 Month Business CD
$1,000
4.30% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
6-Month CD
$1,000
4.30% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Promo Certificate
$0
4.30% ▲ 0.62% above Utah avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date April 1, 2026. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate.

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 0.62% above Utah avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Consumer Certificate of Deposit
$500
4.30% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.62% above avgNationally 2.78%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD
$0
4.26% ▲ 0.58% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.58% above avgNationally 2.78%
Details

Rate History
1 change since Sep 7, 2026 · 3.96% → 4.26% ▲ 0.30 pts · high 4.26% / low 3.96%
3.46%4.11%4.76%Sep 7, 2026: 3.96% APYSep 27, 2026: 4.26% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.26%▲ from 3.96%
  • Sep 7, 20263.96%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
4.20% ▲ 0.52% above Utah avg
View
▼
Rate4.11%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.52% above avgNationally 2.78%
Details

Open Online; Online Only

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 25, 2026: 4.00% APYOct 12, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.20%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA
$10,000
4.20% ▲ 0.52% above Utah avg
View
▼
Rate4.11%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.52% above avgNationally 2.78%
Details

Open Online

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYSep 25, 2026: 4.00% APYOct 12, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.20%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6 Month Certificate
$500
4.11% ▲ 0.43% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.68%▲ 0.43% above avgNationally 2.78%
Details

Rate History
1 change since Sep 27, 2026 · 3.65% → 4.11% ▲ 0.46 pts · high 4.11% / low 3.65%
3.15%3.88%4.61%Sep 27, 2026: 3.65% APYOct 6, 2026: 4.11% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.11%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Month CD
$100
4.10% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.42% above avgNationally 2.78%
Details

IRA

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 Month Certificate
$1,000
4.06% ▲ 0.38% above Utah avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.38% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
3.41%3.98%4.56%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.06%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
6-month CD
$1,500
4.00% ▲ 0.32% above Utah avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
6 Month Certificate
$500
4.00% ▲ 0.32% above Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 6-Month
$2,000
4.00% ▲ 0.32% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
6-month Certificate - GoldStar
$0
4.00% ▲ 0.32% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Certificate - 6-Month
$0
4.00% ▲ 0.32% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Certificate
$500
4.00% ▲ 0.32% above Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
6 month CD
$500
4.00% ▲ 0.32% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.32% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 29, 2026: 3.85% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.85%
  • Sep 29, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
6 Month Certificate
$500
3.96% ▲ 0.28% above Utah avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.28% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.96% ▲ 0.15 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 18, 2026: 3.80% APYOct 5, 2026: 3.96% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20263.96%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
6 Month Certificate of Deposit (CD)
$500
3.95% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 13, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
6-Month CD
$0
3.95% ▲ 0.27% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.95% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates / IRA Certificates / Roth IRA Certificates - 6 months
$0
3.95% ▲ 0.27% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 3.95% ▼ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 4.05% APYOct 5, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.95%▼ from 4.05%
  • Sep 14, 20264.05%first recorded
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Certificate of Deposit
$1,000
3.95% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.27% above avgNationally 2.78%
Details

Fixed

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
6-month Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
6 Month Regular & IRA Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
6 Month Share Certificates
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 Month Certificate Account
$500
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 21, 2026: 3.90% APYSep 21, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Business Jumbo Share Certificates
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Business Share Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month IRA Jumbo Share Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month IRA Share Certificate
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Jumbo Share Certificates
$0
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
6 Month Share Certificate
$500
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Paid Monthly

Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 21, 2026: 3.90% APYSep 21, 2026Oct 13, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
6 Month Term Share Certificate
$1,000
3.90% ▲ 0.22% above Utah avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month CD
$500
3.90% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.22% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
6 Month High Yield CD
$0
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20263.85%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6 Month Certificate of Deposit
$0
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 5, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Certificate
$0
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYOct 5, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month HSA Certificate
$0
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYOct 5, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
6 Month CD
$500
3.85% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.68%▲ 0.17% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6 Month Certificate
$0
3.81% ▲ 0.13% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.13% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.81%4.31%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.28%
6 Month Six Month Certificate
$500
3.80% ▲ 0.12% above Utah avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.68%▲ 0.12% above avgNationally 2.78%
Details

Dividend Compounded: Quarterly Dividend Credited: Quarterly Dividend Period: At Maturity

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026

Saratoga Springs 12 Month CD Rates

Utah 12 Month CD Average3.83% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
207 E Thrive Drive, Saratoga Springs, UT 84045
12 Month Personal Certificates of Deposit
$0
4.22% ▲ 0.39% above Utah avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.39% above avgNationally 2.99%
Details

Balance: $500+; Term: 12 Months to 23 Months

Rate History
1 change since Sep 28, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 28, 2026: 4.01% APYOct 3, 2026: 4.22% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.22%▲ from 4.01%
  • Sep 28, 20264.01%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
25 E Crossroads Blvd, Saratoga Springs, UT 84045 4823
12 Month Certificate
$0
4.05% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
74 W Crossroads Blvd, Saratoga Springs, UT 84045
12 month Certificate (CD)
$0
3.95% ▲ 0.12% above Utah avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.12% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
1 year Standard Fixed Rate
$2,500
1.51% ▼ 2.32% below Utah avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▼ 2.32% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
1 year Standard Interest Rate
$2,500
1.51% ▼ 2.32% below Utah avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▼ 2.32% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
841 N Redwood Rd, Saratoga Springs, UT 84045
1 year Standard Fixed Rate
$2,500
1.50% ▼ 2.33% below Utah avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▼ 2.33% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate - STUDENT Accounts
$100
5.00% ▲ 1.17% above Utah avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 1.17% above avgNationally 2.99%
Details

Maximum $10,000 (Automatic Renewal)

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12-Month Certificate
$500
4.50% ▲ 0.67% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.67% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 7 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
Savers 12-Month Certificate
$9
4.50% ▲ 0.67% above Utah avg
View
▼
RateN/A
Min Deposit$9
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.67% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 9, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 9, 2026: 4.50% APYOct 9, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
4.40% ▲ 0.57% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.83%▲ 0.57% above avgNationally 2.99%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
12 Month Business CD
$1,000
4.40% ▲ 0.57% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.57% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
12 Month Certificate of deposit
$1,000
4.40% ▲ 0.57% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.57% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.57% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.83%▲ 0.57% above avgNationally 2.99%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1 Year CD
$0
4.36% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.53% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 7, 2026: 4.01% APYSep 27, 2026: 4.36% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.36%▲ from 4.01%
  • Sep 7, 20264.01%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$10,000
4.35% ▲ 0.52% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.52% above avgNationally 2.99%
Details

Open Online; Online Only

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.00% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month IRA
$10,000
4.35% ▲ 0.52% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.52% above avgNationally 2.99%
Details

Open Online

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.00% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.00%
  • Sep 25, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12 Month Certificates of deposit (CDs)
$2,500
4.30% ▲ 0.47% above Utah avg
View
▼
Rate4.21%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.47% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
12 Month CD
$500
4.30% ▲ 0.47% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.83%▲ 0.47% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
1-year CD
$1,500
4.25% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
12 Month Certificate
$500
4.25% ▲ 0.42% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
12 MONTH - ADD ON CERTIFICATE
$0
4.25% ▲ 0.42% above Utah avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month 500 Minimum Deposit Certificate
$0
4.25% ▲ 0.42% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Certificate
$0
4.25% ▲ 0.42% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25% ▲ 0.42% above Utah avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month CD
$5,000
4.25% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.42% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. Terms and conditions may apply. Early withdrawal penalties may apply. $5,000+ deposit required for promotional rate.

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
12 Month High Yield CD
$0
4.15% ▲ 0.32% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.32% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
12 Month Certificate
$500
4.11% ▲ 0.28% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.83%▲ 0.28% above avgNationally 2.99%
Details

Rate History
1 change since Sep 27, 2026 · 3.70% → 4.11% ▲ 0.41 pts · high 4.11% / low 3.70%
3.20%3.91%4.61%Sep 27, 2026: 3.70% APYOct 6, 2026: 4.11% APYSep 27, 2026Oct 13, 2026
  • Oct 6, 20264.11%▲ from 3.70%
  • Sep 27, 20263.70%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month CD
$1,000
4.10% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.27% above avgNationally 2.99%
Details

$1000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee. See Disclaimer. For terms more than 6 months and up to 12 months, the penalty is 90 days' simple interest.

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 20, 2026: 4.00% APYOct 3, 2026: 4.10% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.10%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month Certificate
$0
4.10% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.27% above avgNationally 2.99%
Details

APY is Annual Percentage Yield. $25,000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.10%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1 Year CD
$0
4.10% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.27% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
12 Month Certificate
$0
4.07% ▲ 0.24% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.24% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12 Month Certificate
$1,000
4.06% ▲ 0.23% above Utah avg
View
▼
Rate3.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.23% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91%
3.41%3.98%4.56%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.06%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1 Year Youth Share Certificate
$250
4.06% ▲ 0.23% above Utah avg
View
▼
Rate3.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.23% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 9, 2026: 4.06% APYOct 9, 2026Oct 13, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
12 Month CD
$1,000
4.05% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 12-Month
$2,000
4.05% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 13, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Certificate - 12-Month
$0
4.05% ▲ 0.22% above Utah avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Certificate
$500
4.05% ▲ 0.22% above Utah avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.22% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus Certificates
$0
4.02% ▲ 0.19% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.19% above avgNationally 2.99%
Details

Balance: 12 Month

Rate History
2 changes since Sep 21, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 21, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus IRA Certificate
$0
4.02% ▲ 0.19% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.19% above avgNationally 2.99%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
12 Month Certificate
$500
4.01% ▲ 0.18% above Utah avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.01% ▲ 0.46 pts · high 4.01% / low 3.55%
3.05%3.78%4.51%Sep 18, 2026: 3.55% APYOct 5, 2026: 4.01% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20264.01%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
FinWise Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
12 Month Certificate of Deposit (CD)
$500
4.00% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
4.00% ▲ 0.17% above Utah avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
12-month Certificate - GoldStar
$0
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
12 Month Share Certificates
$0
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Certificate
$0
4.00% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month HSA Certificate
$0
4.00% ▲ 0.17% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12 months Certificate
$500
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
1 year CD
$500
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
1 Year Traditional IRA CD
$500
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
12 Month Certificate of Deposit Accounts
$0
4.00% ▲ 0.17% above Utah avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.83%▲ 0.17% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded

Saratoga Springs 18 Month CD Rates

Utah 18 Month CD Average3.87% APYNational 2.87%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
25 E Crossroads Blvd, Saratoga Springs, UT 84045 4823
18 Month Certificate
$0
4.15% ▲ 0.28% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
74 W Crossroads Blvd, Saratoga Springs, UT 84045
18 month Certificate (CD)
$0
4.05% ▲ 0.18% above Utah avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.18% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Month Share Certificate
$500
4.50% ▲ 0.63% above Utah avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.63% above avgNationally 2.87%
Details

Paid Monthly

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 9, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$500
4.40% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.40% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.53% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 18, 2026: 4.30% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
18 Month Business CD
$1,000
4.40% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
18-Month CD
$1,000
4.40% ▲ 0.53% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.53% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▲ 0.53% above avgNationally 2.87%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$10,000
4.35% ▲ 0.48% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Open Online; Online Only

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.10% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.10%
  • Sep 25, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA
$10,000
4.35% ▲ 0.48% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Open Online

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.10% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.10%
  • Sep 25, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
October Special 18 Month
$100
4.35% ▲ 0.48% above Utah avg
View
▼
Rate4.27%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Maximum of $250,000 in total deposits per primary account holder.This special offer is available for a limited time and may be discontinued at any time.

Rate History
No change since Oct 9, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month CD
$500
4.35% ▲ 0.48% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▲ 0.48% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18 Month High Yield CD
$0
4.25% ▲ 0.38% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.38% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
18 Month Certificate
$500
4.25% ▲ 0.38% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.38% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18 Month CD
$100
4.20% ▲ 0.33% above Utah avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.33% above avgNationally 2.87%
Details

IRA

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month Certificate
$0
4.18% ▲ 0.31% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.31% above avgNationally 2.87%
Details

APY is Annual Percentage Yield. $25,000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.18% ▲ 0.18 pts · high 4.18% / low 4.00%
3.50%4.09%4.68%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.18% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.18%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Month Certificate
$1,000
4.17% ▲ 0.30% above Utah avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.30% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.83% → 4.17% ▲ 0.34 pts · high 4.17% / low 3.83%
3.33%4.00%4.67%Sep 14, 2026: 3.83% APYSep 18, 2026: 4.05% APYOct 9, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.17%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15% ▲ 0.28% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate
$500
4.15% ▲ 0.28% above Utah avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
18 Month CD
$1,000
4.10% ▲ 0.23% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 18-Month
$2,000
4.10% ▲ 0.23% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 13, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Certificate - 18-Month
$0
4.10% ▲ 0.23% above Utah avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

w/bump

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
18 Month Term Share Certificate
$1,000
4.10% ▲ 0.23% above Utah avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.23% above avgNationally 2.87%
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 18, 2026: 3.95% APYSep 26, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Sep 26, 20264.10%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18 MONTH CERTIFICATE
$0
4.06% ▲ 0.19% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.87%▲ 0.19% above avgNationally 2.87%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
18 Month Certificate
$500
4.06% ▲ 0.19% above Utah avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.19% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.44% → 4.06% ▲ 0.62 pts · high 4.06% / low 3.44%
2.83%3.75%4.68%Sep 18, 2026: 3.44% APYOct 5, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20264.06%▲ from 3.44%
  • Sep 18, 20263.44%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month Certificate Account
$500
4.05% ▲ 0.18% above Utah avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.18% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.05% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 months Certificate
$500
4.05% ▲ 0.18% above Utah avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.18% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 5, 2026: 4.05% APYOct 5, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
18-month Certificate - GoldStar
$0
4.00% ▲ 0.13% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.13% above avgNationally 2.87%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
18 Month Share Certificates
$0
4.00% ▲ 0.13% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.13% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
18 Month Certificate
$0
4.00% ▲ 0.13% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.13% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates / IRA Certificates / Roth IRA Certificates - 18 months
$0
4.00% ▲ 0.13% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.13% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
18 Month Regular & IRA Certificate
$0
3.95% ▲ 0.08% above Utah avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.08% above avgNationally 2.87%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 13, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate of Deposit
$1,000
3.95% ▲ 0.08% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.08% above avgNationally 2.87%
Details

Fixed

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Variable
$50
3.91% ▲ 0.04% above Utah avg
View
▼
Rate3.84%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.04% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.72% → 3.91% ▲ 0.19 pts · high 3.91% / low 3.72%
3.22%3.82%4.41%Sep 14, 2026: 3.72% APYOct 5, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.91%▲ from 3.72%
  • Sep 14, 20263.72%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
18-month Certificate
$0
3.90% ▲ 0.03% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▲ 0.03% above avgNationally 2.87%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.90% ▲ 0.03% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▲ 0.03% above avgNationally 2.87%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Celtic Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
18 Month Certificate
$0
3.87% At Utah avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%At the averageNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77%
3.27%3.82%4.37%Sep 14, 2026: 3.77% APYOct 10, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.87%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
18 month CD
$500
3.85% ▼ 0.02% below Utah avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▼ 0.02% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Certificate
$0
3.85% ▼ 0.02% below Utah avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▼ 0.02% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80% ▼ 0.07% below Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▼ 0.07% below avgNationally 2.87%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.80% ▼ 0.07% below Utah avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▼ 0.07% below avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA Certificates (CDs) - 18-month term
$0
3.80% ▼ 0.07% below Utah avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▼ 0.07% below avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month 500 Minimum Deposit Certificate
$0
3.75% ▼ 0.12% below Utah avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▼ 0.12% below avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
3.75% ▼ 0.12% below Utah avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▼ 0.12% below avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 13, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Certificate
$0
3.70% ▼ 0.17% below Utah avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.87%▼ 0.17% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
18 Month Certificate
$0
3.56% ▼ 0.31% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▼ 0.31% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
18 Month Consumer Certificate of Deposit
$500
3.50% ▼ 0.37% below Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▼ 0.37% below avgNationally 2.87%
Details

Maximum opening deposit $500,000.00

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
18 Month Share Certificate
$500
3.50% ▼ 0.37% below Utah avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.87%▼ 0.37% below avgNationally 2.87%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18 Month Certificate
$500
3.50% ▼ 0.37% below Utah avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.87%▼ 0.37% below avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026

Saratoga Springs 24 Month CD Rates

Utah 24 Month CD Average3.84% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
25 E Crossroads Blvd, Saratoga Springs, UT 84045 4823
24 Month Certificate
$0
4.50% ▲ 0.66% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
74 W Crossroads Blvd, Saratoga Springs, UT 84045
24 month Certificate (CD)
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
207 E Thrive Drive, Saratoga Springs, UT 84045
24 Month Personal Certificates of Deposit
$0
4.06% ▲ 0.22% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.22% above avgNationally 2.88%
Details

Balance: $500+; Term: 24 Months to 35 Months

Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 28, 2026: 3.96% APYOct 3, 2026: 4.06% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.06%▲ from 3.96%
  • Sep 28, 20263.96%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
2 Year Consumer Certificate of Deposit
$500
4.60% ▲ 0.76% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.76% above avgNationally 2.88%
Details

Maximum opening deposit $500,000.00

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.60% ▲ 0.20 pts · high 4.60% / low 4.40%
3.90%4.50%5.10%Sep 14, 2026: 4.40% APYOct 8, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.60%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 24-Month
$2,000
4.50% ▲ 0.66% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.66% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
2 year CD
$500
4.50% ▲ 0.66% above Utah avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.66% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 14, 2026: 4.20% APYSep 29, 2026: 4.25% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.25%
  • Sep 29, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24 Month Certificate
$1,000
4.48% ▲ 0.64% above Utah avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.64% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
3.49%4.23%4.98%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYOct 9, 2026: 4.48% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.48%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
24 Month Business CD
$1,000
4.45% ▲ 0.61% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
24 Month Certificate of deposit
$1,000
4.45% ▲ 0.61% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate
$500
4.45% ▲ 0.61% above Utah avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.61% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.45%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.40% ▲ 0.56% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.84%▲ 0.56% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.56% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 0.56% above Utah avg
View
▼
Rate4.31%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.84%▲ 0.56% above avgNationally 2.88%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 10, 2026: 4.40% APYOct 10, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month CD
$500
4.40% ▲ 0.56% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.84%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$10,000
4.35% ▲ 0.51% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.51% above avgNationally 2.88%
Details

Open Online; Online Only

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 14, 2026: 4.10% APYSep 25, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Sep 25, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA
$10,000
4.35% ▲ 0.51% above Utah avg
View
▼
Rate4.26%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.51% above avgNationally 2.88%
Details

Open Online

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 14, 2026: 4.10% APYSep 25, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Sep 25, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
24 Month Certificate
$500
4.30% ▲ 0.46% above Utah avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month CD
$5,000
4.30% ▲ 0.46% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.46% above avgNationally 2.88%
Details

APY = Annual Percentage Yield. Terms and conditions may apply. Early withdrawal penalties may apply. $5,000+ deposit required for promotional rate.

Rate History
No change since Oct 9, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 9, 2026: 4.30% APYOct 9, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
2 Year Traditional IRA CD
$500
4.29% ▲ 0.45% above Utah avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.45% above avgNationally 2.88%
Details

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Rate History
No change since Sep 14, 2026 · 4.29% APY · checked 7 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APYSep 14, 2026Oct 13, 2026
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2 Year CD
$1,000
4.25% ▲ 0.41% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

$1000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee. See Disclaimer. For terms more than 12 months and up to 2 years, the penalty is 180 days' simple interest.

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2 Year Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

APY is Annual Percentage Yield. $25,000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Certificate - 24-Month
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Business Jumbo Share Certificates
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Business Share Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month IRA Jumbo Share Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Loyalty Rate: 4.16%, Loyalty APY: 4.25%

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month IRA Share Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Loyalty Rate: 4.16%, Loyalty APY: 4.25%

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Jumbo Share Certificates
$0
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Loyalty Rate: 4.16%, Loyalty APY: 4.25%

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Oct 13, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Certificate
$0
4.25% ▲ 0.41% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
2 Year Certificate
$500
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24 Month Term Share Certificate
$1,000
4.25% ▲ 0.41% above Utah avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 26, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
24-Month Certificate
$500
4.25% ▲ 0.41% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.41% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
24 Month Certificate
$500
4.21% ▲ 0.37% above Utah avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.37% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.22% ▲ 0.67 pts · high 4.22% / low 3.55%
2.88%3.88%4.88%Sep 18, 2026: 3.55% APYOct 5, 2026: 4.22% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20264.22%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
24 MONTH CERTIFICATE
$0
4.20% ▲ 0.36% above Utah avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.36% above avgNationally 2.88%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
24 Month Share Certificates
$0
4.20% ▲ 0.36% above Utah avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 months Certificate
$500
4.20% ▲ 0.36% above Utah avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Month Share Certificate
$500
4.20% ▲ 0.36% above Utah avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.36% above avgNationally 2.88%
Details

Paid Monthly

Rate History
1 change since Sep 21, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 21, 2026: 4.05% APYOct 9, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 4.05%
  • Sep 21, 20264.05%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2 Year CD
$0
4.20% ▲ 0.36% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
24 Month CD
$1,000
4.15% ▲ 0.31% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.84%▲ 0.31% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 Month Certificate Account
$500
4.15% ▲ 0.31% above Utah avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.31% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 Month Growth Certificate Account
$100
4.15% ▲ 0.31% above Utah avg
View
▼
Rate4.07%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.31% above avgNationally 2.88%
Details

After the certificate is opened, additional deposits can be made to the certificate at any time with a maximum of $100,000 of cumulative Growth CertificateTM deposits per primary account holder.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
24 Month Regular & IRA Certificate
$0
4.10% ▲ 0.26% above Utah avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.26% above avgNationally 2.88%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates / IRA Certificates / Roth IRA Certificates - 24 months
$0
4.10% ▲ 0.26% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.10% ▼ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 14, 2026: 4.20% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.10%▼ from 4.20%
  • Sep 14, 20264.20%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
24 Month Certificate
$0
4.05% ▲ 0.21% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.21% above avgNationally 2.88%
Details

Effective September 18, 2026; Early withdrawal penalty applies

Rate History
1 change since Sep 20, 2026 · 2.97% → 4.05% ▲ 1.08 pts · high 4.05% / low 2.97%
1.89%3.51%5.13%Sep 20, 2026: 2.97% APYOct 12, 2026: 4.05% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.05%▲ from 2.97%
  • Sep 20, 20262.97%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificate - 24 Months
$0
4.05% ▲ 0.21% above Utah avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.21% above avgNationally 2.88%
Details

Certificate rates effective September 18, 2026

Rate History
1 change since Sep 12, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05%
2.05%3.55%5.05%Sep 12, 2026: 3.05% APYSep 25, 2026: 4.05% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.05%▲ from 3.05%
  • Sep 12, 20263.05%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month CD
$500
4.05% ▲ 0.21% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.21% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus Certificates
$0
4.02% ▲ 0.18% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.18% above avgNationally 2.88%
Details

Balance: 24 Month

Rate History
2 changes since Sep 21, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 21, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 21, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus IRA Certificate
$0
4.02% ▲ 0.18% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.84%▲ 0.18% above avgNationally 2.88%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
2 Year Certificate
$1,000
4.01% ▲ 0.17% above Utah avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.84%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
First Utah Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
Promotional CD - 24 Month
$500
4.00% ▲ 0.16% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.16% above avgNationally 2.88%
Details

A penalty may be applied for early withdrawal; Quarterly Compound

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
24-month Certificate - GoldStar
$0
4.00% ▲ 0.16% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.84%▲ 0.16% above avgNationally 2.88%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026

Saratoga Springs 36 Month CD Rates

Utah 36 Month CD Average3.73% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
74 W Crossroads Blvd, Saratoga Springs, UT 84045
36 month Certificate (CD)
$0
4.20% ▲ 0.47% above Utah avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.20% ▲ 0.05 pts · high 4.20% / low 4.15%
3.65%4.18%4.70%Sep 14, 2026: 4.15% APYSep 25, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.20%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
207 E Thrive Drive, Saratoga Springs, UT 84045
36 Month Personal Certificates of Deposit
$0
4.06% ▲ 0.33% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.33% above avgNationally 2.81%
Details

Balance: $500+; Term: 36 Months to 47 Months

Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 28, 2026: 3.96% APYOct 3, 2026: 4.06% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.06%▲ from 3.96%
  • Sep 28, 20263.96%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
36 Month Business CD
$1,000
4.50% ▲ 0.77% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
36 Month Certificate of deposit
$1,000
4.50% ▲ 0.77% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
36 Month Certificate
$1,000
4.48% ▲ 0.75% above Utah avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.75% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
3.49%4.23%4.98%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYOct 9, 2026: 4.48% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.48%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36 Month Certificates of deposit (CDs)
$2,500
4.45% ▲ 0.72% above Utah avg
View
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.72% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.40% → 4.45% ▲ 0.05 pts · high 4.45% / low 4.40%
3.90%4.43%4.95%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.45%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36 Month Certificates of deposit (CDs)
$2,500
4.45% ▲ 0.72% above Utah avg
View
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.73%▲ 0.72% above avgNationally 2.81%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 10, 2026: 4.45% APYOct 10, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.40% ▲ 0.67% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
36 Month Certificate
$500
4.40% ▲ 0.67% above Utah avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APYOct 7, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 36-Month
$2,000
4.40% ▲ 0.67% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 13, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Certificate - 36-Month
$0
4.35% ▲ 0.62% above Utah avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate
$500
4.35% ▲ 0.62% above Utah avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
New Heights Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month CD
$5,000
4.35% ▲ 0.62% above Utah avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.62% above avgNationally 2.81%
Details

APY = Annual Percentage Yield. Terms and conditions may apply. Early withdrawal penalties may apply. $5,000+ deposit required for promotional rate.

Rate History
No change since Oct 9, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 13, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Month Share Certificate
$500
4.30% ▲ 0.57% above Utah avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.57% above avgNationally 2.81%
Details

Paid Monthly

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 21, 2026: 4.15% APYOct 9, 2026: 4.30% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
36 Month Certificate
$500
4.27% ▲ 0.54% above Utah avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.54% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 4.27% ▲ 0.72 pts · high 4.27% / low 3.55%
2.82%3.91%4.99%Sep 18, 2026: 3.55% APYOct 5, 2026: 4.27% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20264.27%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Year CD
$1,000
4.25% ▲ 0.52% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.81%
Details

$1000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee. See Disclaimer. For terms more than 2 years and up to 5 years, the penalty is 365 days' simple interest.

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Nelnet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Year Certificate
$0
4.25% ▲ 0.52% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.81%
Details

APY is Annual Percentage Yield. $25,000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. Displayed rates are accurate as of October 1, 2026. $15 outgoing wire fee.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Certificate
$0
4.25% ▲ 0.52% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
36 Month Term Share Certificate
$1,000
4.25% ▲ 0.52% above Utah avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.52% above avgNationally 2.81%
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 26, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
36 Month CD
$1,000
4.20% ▲ 0.47% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 year CD
$500
4.20% ▲ 0.47% above Utah avg
View
▼
Rate4.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.15% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 4.15%
  • Sep 29, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates / IRA Certificates / Roth IRA Certificates - 36 months
$0
4.20% ▲ 0.47% above Utah avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.47% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 14, 2026: 4.05% APYOct 5, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
36 Month Share Certificates
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 Month Certificate Account
$500
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.15% ▼ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.15%▼ from 4.25%
  • Sep 21, 20264.25%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month Business Jumbo Share Certificates
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month Business Share Certificate
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month IRA Jumbo Share Certificate
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Loyalty Rate: 4.07%, Loyalty APY: 4.15%

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month IRA Share Certificate
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Loyalty Rate: 4.07%, Loyalty APY: 4.15%

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
36 Month Jumbo Share Certificates
$0
4.15% ▲ 0.42% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Loyalty Rate: 4.07%, Loyalty APY: 4.15%

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Oct 13, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Year CD
$0
4.15% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month CD
$500
4.15% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 26, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 26, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
36 Month Certificate
$0
4.10% ▲ 0.37% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.37% above avgNationally 2.81%
Details

Effective September 18, 2026; Early withdrawal penalty applies

Rate History
1 change since Sep 20, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 20, 2026: 3.30% APYOct 12, 2026: 4.10% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.10%▲ from 3.30%
  • Sep 20, 20263.30%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificate - 36 Months
$0
4.10% ▲ 0.37% above Utah avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.37% above avgNationally 2.81%
Details

Certificate rates effective September 18, 2026

Rate History
1 change since Sep 12, 2026 · 3.36% → 4.10% ▲ 0.74 pts · high 4.10% / low 3.36%
2.62%3.73%4.84%Sep 12, 2026: 3.36% APYSep 25, 2026: 4.10% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.10%▲ from 3.36%
  • Sep 12, 20263.36%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
36 Month Regular & IRA Certificate
$0
4.10% ▲ 0.37% above Utah avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.37% above avgNationally 2.81%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 12, 2026: 4.10% APYOct 12, 2026Oct 13, 2026
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3 Year Certificate
$500
4.05% ▲ 0.32% above Utah avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 5, 2026: 4.05% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus Certificates
$0
4.02% ▲ 0.29% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.29% above avgNationally 2.81%
Details

Balance: 36 Month

Rate History
1 change since Sep 21, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Sep 21, 2026: 3.97% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Sep 21, 20263.97%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus IRA Certificate
$0
4.02% ▲ 0.29% above Utah avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.29% above avgNationally 2.81%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 9, 2026: 4.02% APYOct 9, 2026Oct 13, 2026
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
36 Month 1 Bump
$500
4.01% ▲ 0.28% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.73%▲ 0.28% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 6, 2026: 4.01% APYOct 6, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year High Yield CD
$0
4.00% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 18, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
36-month Certificate - GoldStar
$0
4.00% ▲ 0.27% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.81%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 Year Traditional IRA CD
$500
4.00% ▲ 0.27% above Utah avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.81%
Details

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
4.00% ▲ 0.27% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.27% above avgNationally 2.81%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Certificate of Deposit
$1,000
3.99% ▲ 0.26% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.26% above avgNationally 2.81%
Details

Fixed

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
36 Month Certificate of Deposit
$0
3.95% ▲ 0.22% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 5, 2026: 3.95% APYOct 5, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
36-month Certificate
$0
3.90% ▲ 0.17% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.73%▲ 0.17% above avgNationally 2.81%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Certificate
$0
3.90% ▲ 0.17% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.17% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
3-Year Share Certificate
$0
3.90% ▲ 0.17% above Utah avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.17% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 5, 2026: 3.90% APYOct 5, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3 Years Share Certificate
$500
3.86% ▲ 0.13% above Utah avg
View
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.13% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 7 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Traditional IRA Certificate - 3 Years
$5
3.86% ▲ 0.13% above Utah avg
View
▼
Rate3.79%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.13% above avgNationally 2.81%
Details

IRA Certificates - Traditional & Roth

Rate History
No change since Oct 9, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 9, 2026: 3.86% APYOct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Certificate
$0
3.86% ▲ 0.13% above Utah avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.73%▲ 0.13% above avgNationally 2.81%
Details

Balance: $2,500

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded

Saratoga Springs 48 Month CD Rates

Utah 48 Month CD Average3.63% APYNational 2.80%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
74 W Crossroads Blvd, Saratoga Springs, UT 84045
48 month Certificate (CD)
$0
4.25% ▲ 0.62% above Utah avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.62% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
3.70%4.23%4.75%Sep 14, 2026: 4.20% APYSep 25, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
207 E Thrive Drive, Saratoga Springs, UT 84045
48 Month Personal Certificates of Deposit
$0
4.06% ▲ 0.43% above Utah avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.43% above avgNationally 2.80%
Details

Balance: $500+; Term: 48 Months to 59 Months

Rate History
1 change since Sep 28, 2026 · 3.96% → 4.06% ▲ 0.10 pts · high 4.06% / low 3.96%
3.46%4.01%4.56%Sep 28, 2026: 3.96% APYOct 3, 2026: 4.06% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.06%▲ from 3.96%
  • Sep 28, 20263.96%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
48 Month Certificate
$500
4.45% ▲ 0.82% above Utah avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.63%▲ 0.82% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 48-Month
$2,000
4.45% ▲ 0.82% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.82% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 13, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.40% ▲ 0.77% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▲ 0.77% above avgNationally 2.80%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate
$500
4.35% ▲ 0.72% above Utah avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.72% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Month Share Certificate
$500
4.35% ▲ 0.72% above Utah avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.72% above avgNationally 2.80%
Details

Paid Monthly

Rate History
1 change since Sep 21, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 21, 2026: 4.20% APYOct 9, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.35%▲ from 4.20%
  • Sep 21, 20264.20%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
48 Month Certificate
$500
4.27% ▲ 0.64% above Utah avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.64% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.27% ▲ 0.62 pts · high 4.27% / low 3.65%
3.03%3.96%4.89%Sep 18, 2026: 3.65% APYOct 5, 2026: 4.27% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20264.27%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
48 Month Term Share Certificate
$1,000
4.25% ▲ 0.62% above Utah avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.62% above avgNationally 2.80%
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 26, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
48 Month CD
$1,000
4.20% ▲ 0.57% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Certificate Account
$500
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Business Jumbo Share Certificates
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Business Share Certificate
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month IRA Jumbo Share Certificate
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Loyalty Rate: 4.11%, Loyalty APY: 4.20%

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month IRA Share Certificate
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Loyalty Rate: 4.11%, Loyalty APY: 4.20%

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Jumbo Share Certificates
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Loyalty Rate: 4.11%, Loyalty APY: 4.20%

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Oct 13, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates / IRA Certificates / Roth IRA Certificates - 48 months
$0
4.20% ▲ 0.57% above Utah avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.57% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 14, 2026: 4.05% APYOct 5, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 Month Certificate
$0
4.15% ▲ 0.52% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.52% above avgNationally 2.80%
Details

Effective September 18, 2026; Early withdrawal penalty applies

Rate History
1 change since Sep 20, 2026 · 3.36% → 4.15% ▲ 0.79 pts · high 4.15% / low 3.36%
2.57%3.76%4.94%Sep 20, 2026: 3.36% APYOct 12, 2026: 4.15% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.15%▲ from 3.36%
  • Sep 20, 20263.36%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificate - 48 Months
$0
4.15% ▲ 0.52% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.52% above avgNationally 2.80%
Details

Certificate rates effective September 18, 2026

Rate History
1 change since Sep 12, 2026 · 3.46% → 4.15% ▲ 0.69 pts · high 4.15% / low 3.46%
2.77%3.81%4.84%Sep 12, 2026: 3.46% APYSep 25, 2026: 4.15% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.15%▲ from 3.46%
  • Sep 12, 20263.46%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
48 Month Regular & IRA Certificate
$0
4.15% ▲ 0.52% above Utah avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.52% above avgNationally 2.80%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
48 Month Share Certificates
$0
4.15% ▲ 0.52% above Utah avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.52% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 13, 2026
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
48 Month 1 Bump
$500
4.06% ▲ 0.43% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▲ 0.43% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 6, 2026: 4.06% APYOct 6, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
4.05% ▲ 0.42% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.42% above avgNationally 2.80%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48-month Certificate - GoldStar
$0
4.00% ▲ 0.37% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.37% above avgNationally 2.80%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
48 Month Certificate of Deposit
$0
4.00% ▲ 0.37% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.37% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
4 Year Certificate
$500
4.00% ▲ 0.37% above Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.37% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Certificate of Deposit
$1,000
3.99% ▲ 0.36% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.36% above avgNationally 2.80%
Details

Fixed

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus Certificates
$0
3.97% ▲ 0.34% above Utah avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.34% above avgNationally 2.80%
Details

Balance: 48 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 5 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus IRA Certificate
$0
3.97% ▲ 0.34% above Utah avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.34% above avgNationally 2.80%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 13, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95% ▲ 0.32% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.32% above avgNationally 2.80%
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
48-month Certificate
$0
3.90% ▲ 0.27% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▲ 0.27% above avgNationally 2.80%
Details

Balance: $500+; Regular & IRA certificate; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4 Years Share Certificate
$500
3.90% ▲ 0.27% above Utah avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Traditional IRA Certificate - 4 Years
$5
3.90% ▲ 0.27% above Utah avg
View
▼
Rate3.83%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.27% above avgNationally 2.80%
Details

IRA Certificates - Traditional & Roth

Rate History
No change since Oct 9, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
3.90% ▲ 0.27% above Utah avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificate
$0
3.81% ▲ 0.18% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.18% above avgNationally 2.80%
Details

Balance: $2,500

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.81% ▲ 0.18% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.18% above avgNationally 2.80%
Details

Balance: $2,000

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
4 Year Certificate
$1,000
3.80% ▲ 0.17% above Utah avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▲ 0.17% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
48 MONTH CERTIFICATE
$0
3.80% ▲ 0.17% above Utah avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.63%▲ 0.17% above avgNationally 2.80%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month 500 Minimum Deposit Certificate
$0
3.80% ▲ 0.17% above Utah avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.17% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
3.80% ▲ 0.17% above Utah avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.17% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 5, 2026: 3.80% APYOct 5, 2026Oct 13, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 months Certificate
$500
3.75% ▲ 0.12% above Utah avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▲ 0.12% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 13, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
48 Month Certificate
$0
3.56% ▼ 0.07% below Utah avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▼ 0.07% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificate
$0
3.29% ▼ 0.34% below Utah avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.63%▼ 0.34% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
48 Month Share Certificate
$500
3.25% ▼ 0.38% below Utah avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.38% below avgNationally 2.80%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
48 Month Certificate
$500
3.20% ▼ 0.43% below Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.43% below avgNationally 2.80%
Details

.25% bonus for Star and Senior Accounts!

Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 24, 2026: 3.10% APYOct 12, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
  • Oct 12, 20263.20%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
National JACL Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
4 Year Share Certificates - Regular and IRA
$1,000
3.15% ▼ 0.48% below Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.63%▼ 0.48% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
First Utah Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.66%
Fixed Rate CD - 48 month
$500
3.07% ▼ 0.56% below Utah avg
View
▼
Rate3.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.56% below avgNationally 2.80%
Details

A penalty may be applied for early withdrawal; Quarterly Compound

Rate History
No change since Oct 8, 2026 · 3.07% APY · checked 2 times
2.57%3.07%3.57%Oct 8, 2026: 3.07% APYOct 8, 2026Oct 13, 2026
Green Dot Bank DBA Bonneville Bank
Institution Rating:
B+3.8 ★Texas Ratio: 0.46%
4 Year Certificate
$0
3.04% ▼ 0.59% below Utah avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 27, 2026
Utah Average3.63%▼ 0.59% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
4 Year Raise Your Rate CD
$0
3.00% ▼ 0.63% below Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.63%▼ 0.63% below avgNationally 2.80%
Details

No minimum deposit to open

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$10,000
3.00% ▼ 0.63% below Utah avg
View
▼
Rate2.96%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.63%▼ 0.63% below avgNationally 2.80%
Details

Open Online; Online Only

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026

Saratoga Springs 60 Month CD Rates

Utah 60 Month CD Average3.76% APYNational 2.90%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
25 E Crossroads Blvd, Saratoga Springs, UT 84045 4823
60 Month Certificate
$0
4.50% ▲ 0.74% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
1420 N Commerce Dr, Saratoga Springs, UT 84045
60 Month Flexible Certificate
$500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
1420 N Commerce Dr, Saratoga Springs, UT 84045
60 Month Regular CD
$500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change.

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
1420 N Commerce Dr, Saratoga Springs, UT 84045
60 Months Certificate
$500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
1420 N Commerce Dr, Saratoga Springs, UT 84045
60 Month Bump-Rate Certificate Accounts
$500
4.35% ▲ 0.59% above Utah avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 9, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
1420 N Commerce Dr, Saratoga Springs, UT 84045
60 Month Certificate
$500
4.35% ▲ 0.59% above Utah avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
74 W Crossroads Blvd, Saratoga Springs, UT 84045
60 month Certificate (CD)
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 25, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
207 E Thrive Drive, Saratoga Springs, UT 84045
60 Month Personal Certificates of Deposit
$0
4.16% ▲ 0.40% above Utah avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.40% above avgNationally 2.90%
Details

Balance: $500+

Rate History
1 change since Sep 28, 2026 · 4.06% → 4.16% ▲ 0.10 pts · high 4.16% / low 4.06%
3.56%4.11%4.66%Sep 28, 2026: 4.06% APYOct 3, 2026: 4.16% APYSep 28, 2026Oct 13, 2026
  • Oct 3, 20264.16%▲ from 4.06%
  • Sep 28, 20264.06%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Certificates of deposit (CDs)
$2,500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.40% → 4.50% ▲ 0.10 pts · high 4.50% / low 4.40%
3.90%4.45%5.00%Sep 18, 2026: 4.40% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.50%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60-month CD
$0
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Advertised Interest Rate and Annual Percentage Yield (APY) for Certificates of Deposit may change after maturity, applies to personal accounts only, and are accurate as of 10/06/2026. A penalty may be charged for early withdrawal. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 13, 2026
Smartypig, by Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Certificates of deposit (CDs)
$2,500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Balance required to obtain APY: $2,500

Rate History
No change since Oct 10, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 10, 2026: 4.50% APYOct 10, 2026Oct 13, 2026
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
Traditional and IRA Term Deposit - 60-Month
$2,000
4.50% ▲ 0.74% above Utah avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
5 year CD
$500
4.50% ▲ 0.74% above Utah avg
View
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.74% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05%
3.55%4.28%5.00%Sep 14, 2026: 4.05% APYSep 29, 2026: 4.30% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.30%
  • Sep 29, 20264.30%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60 Month Certificate
$1,000
4.48% ▲ 0.72% above Utah avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.72% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 3.99% → 4.48% ▲ 0.49 pts · high 4.48% / low 3.99%
3.49%4.23%4.98%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYOct 9, 2026: 4.48% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.48%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.40% ▲ 0.64% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.64% above avgNationally 2.90%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate
$500
4.40% ▲ 0.64% above Utah avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.64% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 5, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Month Share Certificate
$500
4.40% ▲ 0.64% above Utah avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.64% above avgNationally 2.90%
Details

Paid Monthly

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 21, 2026: 4.25% APYOct 9, 2026: 4.40% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.40%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
60 Month Certificate
$500
4.37% ▲ 0.61% above Utah avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.61% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.37% ▲ 0.72 pts · high 4.37% / low 3.65%
2.93%4.01%5.09%Sep 18, 2026: 3.65% APYOct 5, 2026: 4.37% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20264.37%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month Certificate
$0
4.35% ▲ 0.59% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month HSA Certificate
$0
4.35% ▲ 0.59% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.59% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.35% ▲ 0.40 pts · high 4.35% / low 3.95%
3.45%4.15%4.85%Sep 14, 2026: 3.95% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Business Jumbo Share Certificates
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Business Share Certificate
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month IRA Jumbo Share Certificate
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Loyalty Rate: 4.21%, Loyalty APY: 4.30%

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month IRA Share Certificate
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Loyalty Rate: 4.21%, Loyalty APY: 4.30%

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Jumbo Share Certificates
$0
4.30% ▲ 0.54% above Utah avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.54% above avgNationally 2.90%
Details

Loyalty Rate: 4.21%, Loyalty APY: 4.30%

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Oct 13, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
60 Month Certificate
$500
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
60 MONTH CERTIFICATE
$0
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Certificate Account
$500
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 21, 2026: 4.05% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 4.05%
  • Sep 21, 20264.05%first recorded
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Certificates / IRA Certificates / Roth IRA Certificates - 60 months
$0
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYOct 5, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
60 Month Term Share Certificate
$1,000
4.25% ▲ 0.49% above Utah avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.49% above avgNationally 2.90%
Details

Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 26, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
60 Month CD
$1,000
4.20% ▲ 0.44% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Month Certificate
$0
4.20% ▲ 0.44% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Effective September 18, 2026; Early withdrawal penalty applies

Rate History
1 change since Sep 20, 2026 · 3.49% → 4.20% ▲ 0.71 pts · high 4.20% / low 3.49%
2.78%3.85%4.91%Sep 20, 2026: 3.49% APYOct 12, 2026: 4.20% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.20%▲ from 3.49%
  • Sep 20, 20263.49%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Certificate - 60 Months
$0
4.20% ▲ 0.44% above Utah avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Certificate rates effective September 18, 2026

Rate History
1 change since Sep 12, 2026 · 3.56% → 4.20% ▲ 0.64 pts · high 4.20% / low 3.56%
2.92%3.88%4.84%Sep 12, 2026: 3.56% APYSep 25, 2026: 4.20% APYSep 12, 2026Oct 13, 2026
  • Sep 25, 20264.20%▲ from 3.56%
  • Sep 12, 20263.56%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
60 Month Regular & IRA Certificate
$0
4.20% ▲ 0.44% above Utah avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Minimum Amount: $500.00; Source APR column shown as rate

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
60 Month Share Certificates
$0
4.20% ▲ 0.44% above Utah avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.44% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 13, 2026
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
60 Month 1 Bump
$500
4.11% ▲ 0.35% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.35% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 6, 2026: 4.11% APYOct 6, 2026Oct 13, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year High Yield CD
$0
4.10% ▲ 0.34% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Utah Average3.76%▲ 0.34% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
60 Month Certificate
$500
4.10% ▲ 0.34% above Utah avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.34% above avgNationally 2.90%
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Certificate of Deposit
$1,000
4.10% ▲ 0.34% above Utah avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.34% above avgNationally 2.90%
Details

Fixed

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
5 Year Certificate
$1,000
4.06% ▲ 0.30% above Utah avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.30% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
5 Year Traditional IRA CD
$500
4.05% ▲ 0.29% above Utah avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.29% above avgNationally 2.90%
Details

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
60-month Certificate - GoldStar
$0
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Balance: $500+; GoldStar membership required; additional requirements apply; Dedicated Saver minimum balance $5+; early withdrawal penalty is 180 days of dividends (minimum $25 may apply)

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
60 Month Certificate of Deposit
$0
4.00% ▲ 0.24% above Utah avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
5 Years Share Certificate
$500
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Traditional IRA Certificate - 5 Years
$5
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.92%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

IRA Certificates - Traditional & Roth

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus Certificates
$0
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Balance: 60 Month

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus IRA Certificate
$0
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Balance: $40,000

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Utah Heritage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
5 Year Certificate
$500
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
5-Year Jump Share Certificate
$0
4.00% ▲ 0.24% above Utah avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Utah Average3.76%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
5 Year Step-Up CD
$1,000
3.96% ▲ 0.20% above Utah avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Utah Average3.76%▲ 0.20% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 7 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
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 Saratoga Springs, Utah Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Central Bank Provo, UT
12 Month Personal Certificates of Deposit
A+ 5.0 ★ TX: 1.94%
Min: $0
4.22%
Wells Fargo
1 year Standard Fixed Rate
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
Happen Bank
2 Year Consumer Certificate of Deposit
A+ 5.0 ★ TX: 2.06%
Min: $500
4.60%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Sallie Mae
60 Month Certificates of deposit (CDs)
A+ 5.0 ★ TX: 4.70%
Min: $2,500
4.50%
CU Top 5 Credit Union Rates
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.50%
America First Federal Credit Union
60 Month Flexible Certificate
A 5.0 ★ TX: 8.33%
Min: $500
4.50%
Cyprus Federal Credit Union
60 month Certificate (CD)
A+ 5.0 ★ TX: 2.73%
Min: $0
4.30%
P&S Credit Union
12 Month Certificate - STUDENT Accounts
A+ 5.0 ★ TX: 0.10%
Min: $100
5.00%
Utah First Federal Credit Union
Traditional and IRA Term Deposit - 24-Month
A+ 5.0 ★ TX: 1.01%
Min: $2,000
4.50%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Saratoga Springs, UT CD Rate Trends

Compare local Saratoga Springs, UT CD rate quotes against the statewide average

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

View Full Utah CD Trends
12-Month CD UT Avg
3.829%
▲ 0.028 vs 7 days ago

Utah 12-month CD rates rose 0.028 points over the past 7 days to 3.829% APY.

6-Month CD UT Avg
3.676%
▼ 0.003 vs 7 days ago

Utah 6-month CD rates fell 0.003 points over the past 7 days to 3.676% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

UT CD Rate Forecast, Next 12 Months

Where are Utah CD rates headed through October 2027?

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

UT 12-Month Avg APY
3.829%
6-Month Forecast
3.829%
Range: 3.63%, 3.98%
12-Month Forecast
4.079%
Range: 3.88%, 4.23%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch 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 0.55% 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% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

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

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What Your Savings Earn at UT CD Rates Today

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

CD Term UT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.426% $121.32 $242.63 $606.58 $1,213.15
6-Month CD 3.676% $183.80 $367.59 $918.98 $1,837.95
12-Month CD 3.829% $191.47 $382.94 $957.35 $1,914.70
18-Month CD 3.870% $193.49 $386.97 $967.43 $1,934.85
24-Month CD 3.838% $191.92 $383.83 $959.58 $1,919.15
36-Month CD 3.728% $186.40 $372.79 $931.98 $1,863.95
48-Month CD 3.627% $181.35 $362.69 $906.73 $1,813.45
60-Month CD 3.762% $188.08 $376.16 $940.40 $1,880.80
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Saratoga Springs, 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 2.426% $121.32
2 6-Month CD $5,000 3.676% $183.80
3 12-Month CD $5,000 3.829% $191.47
4 24-Month CD $5,000 3.838% $191.92
5 36-Month CD $5,000 3.728% $186.40
Total ($25,000 invested) $25,000 3.500% blended $874.91/yr

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

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605
CD Rates
Tracked in Saratoga Springs, Utah
29 Banks 47 Credit Unions

About Our Saratoga Springs, Utah CD Rate Database

MonitorBankRates tracks 605 CD rates from 29 banks and 47 credit unions with locations in Saratoga Springs, Utah, plus national online institutions available to Utah residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Mountain America Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Saratoga Springs, Utah.

How to Find the Best CD Rates in Saratoga Springs, Utah

What to compare when shopping for a CD in Saratoga Springs, Utah

To find the best APYs in Saratoga Springs, Utah, start with credit unions and online-only banks: Saratoga Springs, Utah has 47 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 Saratoga Springs, 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 Saratoga Springs, Utah: 76 institutions here report CD rates

Consider an Alternative If…

Saratoga Springs, Utah Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
4.8%
National avg: 17.3%
Median Individual Earnings
$48,865
National avg: $47,340
Poverty Rate
5.0%
National avg: 11.1%
Unemployment Rate
2.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$187/yr
At UT 12-mo avg 3.829% APY

4.8% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.7% reflects a strong local economy. At today’s UT 12-month CD average of 3.829%, saving 10% of the local median salary ($4,886/year) and putting it in a CD would earn an additional $187 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 Saratoga Springs, Utah

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

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

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

Choosing a CD Term in Saratoga Springs, 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 Saratoga Springs, Utah savers easier access to their funds. For example, Central Bank Provo, UT is offering its 6 Month Personal Certificates of Deposit at 4.22% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, Utah

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

Are CD rates in Saratoga Springs, Utah FDIC insured?

Yes, most established banks in Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, Utah?

Here are recent top rates found for this area:
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • America First Federal Credit Union: 4.50% APY (60 Month Flexible Certificate)
  • Cyprus Federal Credit Union: 4.30% APY (60 month Certificate (CD))
  • Central Bank Provo, UT: 4.22% APY (12 Month Personal Certificates of Deposit)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
  • P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
  • Happen Bank: 4.60% APY (2 Year Consumer Certificate of Deposit)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Sallie Mae: 4.50% APY (60 Month Certificates of deposit (CDs))
  • Quill Bank: 4.50% APY (36 Month Business CD)
Rates reflect recent verified offers available in Saratoga Springs, Utah. Last Updated: October 12, 2026

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

Interest at Maturity
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Ending Balance
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Matures

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

Top Saratoga Springs, Utah CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Saratoga Springs, Utah. Averages shown use the Utah state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Saratoga Springs, Utah

Saratoga Springs, 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.

Saratoga Springs, Utah CD Ladder

UT CD rates currently range from 2.426% (3-month) to 3.728% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

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

CD vs. High-Yield Savings

Utah’s average 12-month CD is 3.829% 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, Utah. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in UT.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 12, 2026

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