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CD Rate Trends

West Valley City, Utah Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: September 28, 2026

Current CD rates in West Valley City, Utah range from 4.00% to 4.30% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current West Valley City, Utah CD rates include Cyprus Federal Credit UnionCyprus Federal Credit Union3432 W 3500 S, West Valley City, UT 84119A+5.0 ★Texas Ratio: 2.73%Real return: +1.50%APY minus CPI (February 2026) offering 60 month Certificate (CD) at 4.30% APY, America First Federal Credit UnionAmerica First Federal Credit Union3253 W 3500 S, West Valley City, UT 84119 2631A5.0 ★Texas Ratio: 8.33%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Regular CD at 4.30% APY, Deseret First Federal Credit UnionDeseret First Federal Credit Union3999 W Parkway Blvd, West Valley City, UT 84120A5.0 ★Texas Ratio: 6.76%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Business Jumbo Share Certificates at 4.30% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union2958 S 5600 W, West Valley City, UT 84120 1310A5.0 ★Texas Ratio: 9.78%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, and American United Federal Credit UnionAmerican United Federal Credit Union5688 W Parkway Blvd, West Valley City, UT 84128A5.0 ★Texas Ratio: 7.55%Real return: +1.20%APY minus CPI (February 2026) offering 12-month Certificate - GoldStar Membership at 4.00% APY. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.

West Valley City has 72 local institutions in our database, with CD rates as high as 4.30% APY from Cyprus Federal Credit Union at 3432 W 3500 S, West Valley City, UT 84119. 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: September 28, 2026

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

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

West Valley City 3 Month CD Rates

National 3 Month CD Average2.08% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3691 S 2700 W, West Valley City, UT 84119
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3691 S 2700 W, West Valley City, UT 84119
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
3 Month Business Share Certificates
$0
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 2.03% below avg
Details

Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 3 Months
$0
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 2.03% below avg
Details

Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Sep 28, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$1,000
4.32% ▲ 2.24% above national avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 2.24% above avg
Details

UP to $99,999.99

Rate History
No change since Sep 27, 2026 · 4.32% APY
3.82%4.32%4.82%Sep 27, 2026: 4.32% APYSep 27, 2026Sep 28, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month CD
$0
4.22% ▲ 2.14% above national avg
View
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 2.14% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.22% ▲ 0.16 pts · high 4.22% / low 4.06%
3.56%4.14%4.72%Sep 18, 2026: 4.06% APYSep 24, 2026: 4.22% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.22%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Ascent Federal Credit Union
3 Month IRA Certificates of Deposit
$0
4.05% ▲ 1.97% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 1.97% above avg
Details

VIP Yield

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 18, 2026: 3.90% APYSep 21, 2026: 4.05% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.05%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$0
3.96% ▲ 1.88% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.88% above avg
Details

Rate History
No change since Sep 7, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 7, 2026: 3.96% APYSep 7, 2026Sep 28, 2026
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
3-month CD
$1,500
3.90% ▲ 1.82% above national avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.82% above avg
Details

At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs.

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Ascent Federal Credit Union
3 Month Certificates of Deposit
$0
3.90% ▲ 1.82% above national avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 1.82% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
3 Month IRA Certificates of Deposit
$0
3.90% ▲ 1.82% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 1.82% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.90% ▲ 1.82% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.82% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.77% above national avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.77% above avg
Details

Special Offer. For balances under $100k. Apply now.

Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 24, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 24, 2026Sep 28, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
3 Month Certificate
$500
3.85% ▲ 1.77% above national avg
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.77% above avg
Details

Monthly Paid

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.28%
3 Month Three Month Certificate
$500
3.80% ▲ 1.72% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.72% above avg
Details

Withdrawals: Allowed--Ask Credit Union

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 month Super CD
$500
3.65% ▲ 1.57% above national avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▲ 1.57% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
Business 90 Day Fixed Rate
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3-Month Penalty-Free
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Certificate
$0
3.30% ▲ 1.22% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.22% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 Months CD
$500
3.10% ▲ 1.02% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 1.02% above avg
Details

.25% bonus for Star and Senior Accounts!

Rate History
No change since Sep 28, 2026 · 3.10% APY
2.60%3.10%3.60%Sep 28, 2026: 3.10% APYSep 28, 2026Sep 28, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Month High Yield CD
$0
2.80% ▲ 0.72% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.72% above avg
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, 2026Sep 28, 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
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 21, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 21, 2026: 2.75% APYSep 21, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3-Month Certificate
$0
2.27% ▲ 0.19% above national avg
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.19% above avg
Details

Balance: $50,000+; Dividends: Quarterly

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3-Month Penalty-Free
$0
2.25% ▲ 0.17% above national avg
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.17% above avg
Details

Rate History
No change since Sep 21, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 21, 2026: 2.25% APYSep 21, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
3-Month Penalty-Free
$0
2.00% ▼ 0.08% below national avg
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.08% below avg
Details

Rate History
No change since Sep 21, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 21, 2026: 2.00% APYSep 21, 2026Sep 28, 2026
Texas Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3-Month Certificate
$0
1.76% ▼ 0.32% below national avg
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.32% below avg
Details

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

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 4 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3-month term
$0
0.60% ▼ 1.48% below national avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 1.48% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3-month term Standard CD
$0
0.50% ▼ 1.58% below national avg
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▼ 1.58% below avg
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Sep 28, 2026
Inland Federal Credit Union
3 Month Share Certificates
$0
0.45% ▼ 1.63% below national avg
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 1.63% below avg
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Sep 28, 2026
Inland Federal Credit Union
3 Month Share Certificates
$0
0.40% ▼ 1.68% below national avg
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 1.68% below avg
Details

Balance: $10,000 - $49,999

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Sep 28, 2026
Inland Federal Credit Union
3 Month Share Certificates
$0
0.35% ▼ 1.73% below national avg
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 1.73% below avg
Details

Balance: $2,000 - $9,999

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Sep 28, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CERTIFICATES OF DEPOSIT 3 MONTH CERTIFICATE
$0
0.20% ▼ 1.88% below national avg
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.88% below avg
Details

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

Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Sep 28, 2026
Continental Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
90 Day High-Yield Certificates of Deposit
$0
0.20% ▼ 1.88% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.88% below avg
Details

APY*

Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Sep 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 1.98% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.98% below avg
Details

Balance: $1,000 +

Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
3-Month CD
$0
0.10% ▼ 1.98% below national avg
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 1.98% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Sep 28, 2026

West Valley City 6 Month CD Rates

National 6 Month CD Average2.77% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
6-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT 84119
6 month Certificate (CD)
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.18% above avg
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, 2026Sep 28, 2026
  • Sep 25, 20263.95%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
6-month Certificate
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Business Jumbo Share Certificates
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Business Share Certificates
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month IRA Jumbo Share Certificates
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
6 Month Jumbo Share Certificates
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Loyalty Rate: 3.83%, Loyalty APY: 3.90%

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 6 Months
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 17, 2026: 3.90% APYSep 17, 2026Sep 28, 2026
First Utah Bank
Institution Rating:
F2.3 ★Texas Ratio: 47.47%
3123 S Redwood Rd, West Valley City, UT 84119
6 Month Fixed Rate CD
$500
3.05% ▲ 0.28% above national avg
View
▼
Rate3.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.28% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 20, 2026: 3.05% APYSep 20, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3691 S 2700 W, West Valley City, UT 84119
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.71% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.71% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3691 S 2700 W, West Valley City, UT 84119
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.72% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.72% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.05% APY
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Sep 28, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield Certificate of Deposit
$500
4.35% ▲ 1.58% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.58% above avg
Details

10-Day CD Rate Guarantee

Rate History
No change since Sep 27, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Sep 28, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Certificate
$0
4.30% ▲ 1.53% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.53% above avg
Details

Introductory

Rate History
No change since Sep 27, 2026 · 4.30% APY
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Sep 28, 2026
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD
$0
4.26% ▲ 1.49% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.49% above avg
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, 2026Sep 28, 2026
  • Sep 27, 20264.26%▲ from 3.96%
  • Sep 7, 20263.96%first recorded
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month CD
$0
4.24% ▲ 1.47% above national avg
View
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.47% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.09% → 4.24% ▲ 0.15 pts · high 4.24% / low 4.09%
3.59%4.17%4.74%Sep 18, 2026: 4.09% APYSep 24, 2026: 4.24% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.24%▲ from 4.09%
  • Sep 18, 20264.09%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
6 Month Certificates of deposit
$1,000
4.20% ▲ 1.43% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.43% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Sep 28, 2026
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Consumer Certificate of Deposit
$500
4.20% ▲ 1.43% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.43% above avg
Details

Annual Percentage Yield (APY) accurate as of 09/24/2026. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
6 Month Personal Certificates of Deposit
$0
4.11% ▲ 1.34% above national avg
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.34% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Sep 28, 2026
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month IRA Certificate
$100
4.10% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.33% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month Roth IRA CD
$100
4.10% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.33% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Sep 28, 2026
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month Traditional IRA CD
$100
4.10% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.33% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Sep 28, 2026
Ascent Federal Credit Union
6 Month IRA Certificates of Deposit
$0
4.05% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.28% above avg
Details

VIP Yield

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 18, 2026: 3.90% APYSep 21, 2026: 4.05% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.05%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$1,000
4.04% ▲ 1.27% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.27% above avg
Details

UP to $99,999.99

Rate History
No change since Sep 27, 2026 · 4.04% APY
3.54%4.04%4.54%Sep 27, 2026: 4.04% APYSep 27, 2026Sep 28, 2026
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
6-month CD
$1,500
4.00% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
6 Month Certificates of Deposit
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 18, 2026: 3.95% APYSep 27, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.00%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$10,000
4.00% ▲ 1.23% above national avg
View
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.23% above avg
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% APYSep 25, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • 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
4.00% ▲ 1.23% above national avg
View
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.23% above avg
Details

IRA accounts are FDIC insured term deposits that allow you to save for your future in a safe environment with great rates.

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% APYSep 25, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
3.95% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.18% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 22, 2026: 3.95% APYSep 22, 2026Sep 28, 2026
FinWise Bank
Institution Rating:
B-4.3 ★Texas Ratio: 22.97%
6 Month Certificate of Deposit (CD)
$500
3.95% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.18% above avg
Details

Rate History
No change since Sep 27, 2026 · 3.95% APY
3.45%3.95%4.45%Sep 27, 2026: 3.95% APYSep 27, 2026Sep 28, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
6-Month CD
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.95% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.18% above avg
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
3.95% ▲ 1.18% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.18% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.05% → 3.95% ▼ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 18, 2026: 4.05% APYSep 22, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
  • Sep 22, 20263.95%▼ from 4.05%
  • Sep 18, 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% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6 Month Certificate
$0
3.92% ▲ 1.15% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Sep 28, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 Month Share Certificates (CDs)
$1,000
3.91% ▲ 1.14% above national avg
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.14% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6 Month Certificate
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
6 Month Regular & IRA Certificate
$500
3.90% ▲ 1.13% above national avg
View
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
1 change since Sep 17, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 17, 2026: 3.95% APYSep 25, 2026: 3.90% APYSep 17, 2026Sep 28, 2026
  • Sep 25, 20263.90%▼ from 3.95%
  • Sep 17, 20263.95%first recorded
Ascent Federal Credit Union
6 Month Certificates of Deposit
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
6 Month IRA Certificates of Deposit
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Certificate
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 Month Certificate Account
$500
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

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, 2026Sep 28, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
6 Month Certificate
$500
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.13% above avg
Details

Monthly Paid

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
6 Month Term Share Certificate
$1,000
3.90% ▲ 1.13% above national avg
View
▼
Rate3.84%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.13% above avg
Details

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

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Nebo Credit Union
6 month Certificate (CD)
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month CD
$0
3.90% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.13% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
6 Month High Yield CD
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
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, 2026Sep 28, 2026
  • Sep 24, 20263.85%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
6 Month Share Certificate
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Certificate
$500
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 1.08% above avg
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
6 Month Certificate
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Sep 28, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6 Month Certificate
$0
3.81% ▲ 1.04% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.04% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 4 times
3.32%3.81%4.31%Sep 14, 2026: 3.82% APYSep 14, 2026Sep 28, 2026

West Valley City 12 Month CD Rates

National 12 Month CD Average2.94% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
12-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Sep 28, 2026
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3432 W 3500 S, West Valley City, UT 84119
12 month Certificate (CD)
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
12 Month Business Jumbo Share Certificates
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
12 Month Business Share Certificates
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
12 Month IRA Jumbo Share Certificates
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Loyalty Rate: 3.87%, Loyalty APY: 3.95%

Rate History
No change since Sep 17, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
12 Month Jumbo Share Certificates
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Loyalty Rate: 3.87%, Loyalty APY: 3.95%

Rate History
No change since Sep 17, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 12 Months
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APYSep 17, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
12-month Certificate
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT 84120 1310
12 Month Certificate
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
First Utah Bank
Institution Rating:
F2.3 ★Texas Ratio: 47.47%
3123 S Redwood Rd, West Valley City, UT 84119
12 Month Fixed Rate CD
$500
3.10% ▲ 0.16% above national avg
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.16% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Sep 20, 2026: 3.10% APYSep 20, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3691 S 2700 W, West Valley City, UT 84119
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.43% below national avg
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.43% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.51% APY
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3691 S 2700 W, West Valley City, UT 84119
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.44% below national avg
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.50% APY
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Certificate - STUDENT Accounts
$100
5.00% ▲ 2.06% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 2.06% above avg
Details

Maximum $10,000 (Automatic Renewal)

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12 Month Certificate
$500
4.50% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 1.56% above avg
Details

Rates are as of September 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 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
Savers 12-Month
$9
4.50% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$9
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 1.56% above avg
Details

Minimum deposit of $9 at opening and $9 per month, up to $10,000.00. Rates are as of September 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 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month CD
$0
4.40% ▲ 1.46% above national avg
View
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.46% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.40% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.40%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
WebBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1 Year CD
$0
4.36% ▲ 1.42% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.42% above avg
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, 2026Sep 28, 2026
  • Sep 27, 20264.36%▲ from 4.01%
  • Sep 7, 20264.01%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield Certificate of Deposit
$500
4.35% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.41% above avg
Details

10-Day CD Rate Guarantee

Rate History
No change since Sep 27, 2026 · 4.35% APY
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Sep 28, 2026
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12 Month Certificates of deposit (CDs)
$2,500
4.30% ▲ 1.36% above national avg
View
▼
Rate4.21%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.36% above avg
Details

Balance: $2,500

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, 2026Sep 28, 2026
  • Sep 27, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
12 Month Certificates of deposit
$1,000
4.25% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Bread Financial
Institution Rating:
B4.5 ★Texas Ratio: 21.05%
1-year CD
$1,500
4.25% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. A penalty will be imposed for early withdrawals on CDs.

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, 2026Sep 28, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
12 Month Certificates of Deposit
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 18, 2026: 3.95% APYSep 27, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CERTIFICATES OF DEPOSIT 12 MONTH - ADD ON CERTIFICATE
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Certificate
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 21, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 21, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
12 Month High Yield CD
$0
4.15% ▲ 1.21% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.21% above avg
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, 2026Sep 28, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
12 Month Certificate
$0
4.15% ▲ 1.21% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.21% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
12 Month IRA Certificates of Deposit
$0
4.10% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.16% above avg
Details

VIP Yield

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 21, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.10%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1 Year CD
$0
4.10% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
12 Month Certificate
$0
4.07% ▲ 1.13% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.13% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1 Year Youth
$250
4.06% ▲ 1.12% above national avg
View
▼
Rate3.98%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.12% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
12 Month CD
$1,000
4.05% ▲ 1.11% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.11% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Sep 28, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
12 Month Personal Certificates of Deposit
$0
4.01% ▲ 1.07% above national avg
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.07% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Sep 28, 2026
FinWise Bank
Institution Rating:
B-4.3 ★Texas Ratio: 22.97%
12 Month Certificate of Deposit (CD)
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Sep 28, 2026
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
12 Month CD
$1,000
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.06% above avg
Details

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 September 1, 2026. $15 outgoing wire fee. See Disclaimer

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Sep 28, 2026
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
12 Month Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 1.06% above avg
Details

Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of September 1, 2026. $15 outgoing wire fee. See Disclaimer .

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$10,000
4.00% ▲ 1.06% above national avg
View
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • 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
4.00% ▲ 1.06% above national avg
View
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details

IRA accounts are FDIC insured term deposits that allow you to save for your future in a safe environment with great rates.

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYSep 25, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
1 year CD
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
1 Year Traditional IRA CD
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.06% above avg
Details

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

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, 2026Sep 28, 2026
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
12 Month Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus Certificates
$0
3.97% ▲ 1.03% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.03% above avg
Details

Balance: 12 Month

Rate History
1 change since Sep 21, 2026 · 3.95% → 3.97% ▲ 0.02 pts · high 3.97% / low 3.95%
3.45%3.96%4.47%Sep 21, 2026: 3.95% APYSep 25, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
  • 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%
Bonus IRA Certificates 12 Month
$0
3.97% ▲ 1.03% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.03% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.95% → 3.97% ▲ 0.02 pts · high 3.97% / low 3.95%
3.45%3.96%4.47%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
12 Month Regular & IRA Certificate
$500
3.95% ▲ 1.01% above national avg
View
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APYSep 17, 2026Sep 28, 2026
Ascent Federal Credit Union
12 Month Certificates of Deposit
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
12 Month IRA Certificates of Deposit
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Certificate
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 Month Certificate Account
$500
3.95% ▲ 1.01% above national avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 21, 2026: 3.95% APYSep 21, 2026Sep 28, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 Month Growth Certificate Account
$100
3.95% ▲ 1.01% above national avg
View
▼
Rate3.88%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.01% above avg
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
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
12 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 3.95% ▼ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 18, 2026: 4.15% APYSep 22, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
  • Sep 22, 20263.95%▼ from 4.15%
  • Sep 18, 20264.15%first recorded
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Certificate of Deposit
$1,000
3.95% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026

West Valley City 18 Month CD Rates

National 18 Month CD Average2.82% APYUnchanged 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%
3432 W 3500 S, West Valley City, UT 84119
18 month Certificate (CD)
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
18-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT 84120 1310
18 Month Certificate
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
18-month Certificate
$0
3.90% ▲ 1.08% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.08% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Sep 28, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month CD
$0
4.50% ▲ 1.68% above national avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.68% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 18, 2026: 4.35% APYSep 24, 2026: 4.50% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.50%▲ from 4.35%
  • Sep 18, 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% ▲ 1.58% above national avg
View
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.58% above avg
Details

Balance: $2,500

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, 2026Sep 28, 2026
  • Sep 27, 20264.40%▲ from 4.30%
  • Sep 18, 20264.30%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.35% ▲ 1.53% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.53% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
18 Month Certificates of deposit
$1,000
4.30% ▲ 1.48% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.48% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Sep 28, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18 Month High Yield CD
$0
4.25% ▲ 1.43% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.43% above avg
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, 2026Sep 28, 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 Certificates of Deposit
$0
4.25% ▲ 1.43% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.43% above avg
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 18, 2026: 3.95% APYSep 27, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month IRA Certificate
$100
4.20% ▲ 1.38% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.38% above avg
Details

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, 2026Sep 28, 2026
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Roth IRA CD
$100
4.20% ▲ 1.38% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.38% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Sep 28, 2026
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Traditional IRA CD
$100
4.20% ▲ 1.38% above national avg
View
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.38% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Sep 28, 2026
Ascent Federal Credit Union
18 Month IRA Certificates of Deposit
$0
4.20% ▲ 1.38% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.38% above avg
Details

VIP Yield

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 18, 2026: 4.05% APYSep 21, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.20%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Banterra Bank
Institution Rating:
A4.7 ★Texas Ratio: 4.32%
18-Month CD
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Annual Percentage Yield accurate as of 9/8/2026. Terms and conditions apply. See above rate-term links for details.

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Sep 28, 2026
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
18 Month Certificate
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Sep 28, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
18 Month CD
$1,000
4.10% ▲ 1.28% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$10,000
4.10% ▲ 1.28% above national avg
View
▼
Rate4.02%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.28% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
  • 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
4.10% ▲ 1.28% above national avg
View
▼
Rate4.02%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.28% above avg
Details

IRA accounts are FDIC insured term deposits that allow you to save for your future in a safe environment with great rates.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
18 Month Term Share Certificate
$1,000
4.10% ▲ 1.28% above national avg
View
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.28% above avg
Details

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

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, 2026Sep 28, 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: 2.87%
CERTIFICATES OF DEPOSIT 18 MONTH CERTIFICATE
$0
4.06% ▲ 1.24% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.24% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 24, 2026: 4.06% APYSep 24, 2026Sep 28, 2026
Ascent Federal Credit Union
18 Month Certificates of Deposit
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
18 Month IRA Certificates of Deposit
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Sep 28, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18 Month Share Certificates (CDs)
$1,000
4.05% ▲ 1.23% above national avg
View
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.05% ▲ 0.22 pts · high 4.05% / low 3.83%
3.33%3.94%4.55%Sep 14, 2026: 3.83% APYSep 18, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.05%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month Regular Certificate
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Sep 28, 2026
Nebo Credit Union
18 month Certificate (CD)
$0
4.05% ▲ 1.23% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
18 Month Certificate
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 1.18% above avg
Details

Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of September 1, 2026. $15 outgoing wire fee. See Disclaimer .

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Month Certificate
$500
4.00% ▲ 1.18% above national avg
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.18% above avg
Details

Monthly Paid

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
18 Month Regular & IRA Certificate
$500
3.95% ▲ 1.13% above national avg
View
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 17, 2026: 3.95% APYSep 17, 2026Sep 28, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
18 Month Share Certificate
$0
3.95% ▲ 1.13% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 Month Certificate Account
$500
3.95% ▲ 1.13% above national avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 21, 2026: 3.95% APYSep 21, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate of Deposit
$1,000
3.95% ▲ 1.13% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.13% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month Certificate
$0
3.90% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.08% above avg
Details

w/bump

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Inland Federal Credit Union
18 Month Share Certificates
$0
3.90% ▲ 1.08% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.08% above avg
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.90% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 1.08% above avg
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
18 month CD
$500
3.85% ▲ 1.03% above national avg
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.03% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Inland Federal Credit Union
18 Month Share Certificates
$0
3.85% ▲ 1.03% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details

Balance: $10,000 - $49,999

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Certificate
$0
3.85% ▲ 1.03% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.03% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Inland Federal Credit Union
18 Month Share Certificates
$0
3.80% ▲ 0.98% above national avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details

Balance: $2,000 - $9,999

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Certificate
$500
3.80% ▲ 0.98% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 0.98% above avg
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Certificate
$0
3.75% ▲ 0.93% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.93% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
18 Month Certificate
$0
3.75% ▲ 0.93% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.93% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
North Bay Credit Union
18 Month Share Certificate
$0
3.73% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.91% above avg
Details

Balance: $1,000-$9,999

Rate History
No change since Sep 22, 2026 · 3.73% APY
3.23%3.73%4.23%Sep 22, 2026: 3.73% APYSep 22, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Variable
$0
3.72% ▲ 0.90% above national avg
View
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.90% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 4 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Certificate
$0
3.70% ▲ 0.88% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.88% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rewards APY

Rate History
No change since Sep 27, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 27, 2026: 3.65% APYSep 27, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026

West Valley City 24 Month CD Rates

National 24 Month CD Average2.84% APY▼ 0.01% 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%
3432 W 3500 S, West Valley City, UT 84119
24 month Certificate (CD)
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT 84120 1310
24 Month Certificate
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Business Jumbo Share Certificates
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Business Share Certificates
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month IRA Jumbo Share Certificates
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Loyalty Rate: 4.16%, Loyalty APY: 4.25%

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
24 Month Jumbo Share Certificates
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Loyalty Rate: 4.16%, Loyalty APY: 4.25%

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 24 Months
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APYSep 17, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
24-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
24-month Certificate
$0
3.90% ▲ 1.06% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.06% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Sep 28, 2026
First Utah Bank
Institution Rating:
F2.3 ★Texas Ratio: 47.47%
3123 S Redwood Rd, West Valley City, UT 84119
24 Month Fixed Rate CD
$500
3.20% ▲ 0.36% above national avg
View
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.36% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 20, 2026: 3.20% APYSep 20, 2026Sep 28, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month CD
$0
4.60% ▲ 1.76% above national avg
View
▼
Rate4.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.76% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%
4.00%4.55%5.10%Sep 18, 2026: 4.50% APYSep 24, 2026: 4.60% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.60%▲ from 4.50%
  • Sep 18, 20264.50%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Certificates of deposit (CDs)
$2,500
4.40% ▲ 1.56% above national avg
View
▼
Rate4.31%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.56% above avg
Details

Balance: $2,500

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, 2026Sep 28, 2026
  • Sep 27, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Happen Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
2 Year Consumer Certificate of Deposit
$500
4.40% ▲ 1.56% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.56% above avg
Details

Annual Percentage Yield (APY) accurate as of 09/24/2026. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Sep 28, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.35% ▲ 1.51% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.51% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
24 Month Certificates of Deposit
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.46% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
3.55%4.18%4.80%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.30%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Ascent Federal Credit Union
24 Month IRA Certificates of Deposit
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details

VIP Yield

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 21, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
2 Year Traditional IRA CD
$500
4.29% ▲ 1.45% above national avg
View
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.45% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 4.29% APY · checked 3 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APYSep 14, 2026Sep 28, 2026
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
24 Month Certificates of deposit
$1,000
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Home Savings Bank Salt Lake City, UT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$10,000
4.25% ▲ 1.41% above national avg
View
▼
Rate4.16%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
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% APYSep 25, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • 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
4.25% ▲ 1.41% above national avg
View
▼
Rate4.16%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

IRA accounts are FDIC insured term deposits that allow you to save for your future in a safe environment with great rates.

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% APYSep 25, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
24 Month Term Share Certificate
$1,000
4.25% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.41% above avg
Details

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

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, 2026Sep 28, 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% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.41% above avg
Details

Rates are as of September 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 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Nebo Credit Union
24 month Certificate (CD)
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
24 Month Certificate
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CERTIFICATES OF DEPOSIT 24 MONTH CERTIFICATE
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 24, 2026: 4.20% APYSep 24, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month Regular Certificate
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 21, 2026: 4.20% APYSep 21, 2026Sep 28, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Month Certificate
$500
4.20% ▲ 1.36% above national avg
View
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.36% above avg
Details

Monthly Paid

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% APYSep 25, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20264.20%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
2 year CD
$500
4.20% ▲ 1.36% above national avg
View
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
24 Month Certificate
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2 Year CD
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
24 Month CD
$1,000
4.15% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Sep 28, 2026
Ascent Federal Credit Union
24 Month Certificates of Deposit
$0
4.15% ▲ 1.31% above national avg
View
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
24 Month IRA Certificates of Deposit
$0
4.15% ▲ 1.31% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate
$0
4.15% ▲ 1.31% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
24 Month Regular & IRA Certificate
$500
4.10% ▲ 1.26% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 17, 2026: 4.10% APYSep 17, 2026Sep 28, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
24 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.10% ▼ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 18, 2026: 4.20% APYSep 22, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.10%▼ from 4.20%
  • Sep 18, 20264.20%first recorded
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
24 Month Certificates
$0
4.05% ▲ 1.21% above national avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
No change since Sep 25, 2026 · 4.05% APY
3.55%4.05%4.55%Sep 25, 2026: 4.05% APYSep 25, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Month Certificate
$0
4.05% ▲ 1.21% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Sep 28, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
24 Month Share Certificate
$0
4.05% ▲ 1.21% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24 Month Share Certificates (CDs)
$1,000
4.05% ▲ 1.21% above national avg
View
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.99% → 4.05% ▲ 0.06 pts · high 4.05% / low 3.99%
3.49%4.02%4.55%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
24 Month CD
$0
4.05% ▲ 1.21% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.21% above avg
Details

*

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
2 Year Certificate
$1,000
4.01% ▲ 1.17% above national avg
View
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Sep 28, 2026
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
2 Year CD
$1,000
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.16% above avg
Details

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 September 1, 2026. $15 outgoing wire fee. See Disclaimer

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Sep 28, 2026
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
2 Year Certificate
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.16% above avg
Details

Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of September 1, 2026. $15 outgoing wire fee. See Disclaimer .

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 month CD
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 Month Certificate Account
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 Month Growth Certificate Account
$100
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
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
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Certificate
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.16% above avg
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Certificate of Deposit
$1,000
3.99% ▲ 1.15% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 4 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus Certificates
$0
3.97% ▲ 1.13% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.13% above avg
Details

Balance: 24 Month

Rate History
1 change since Sep 21, 2026 · 3.96% → 3.97% ▲ 0.01 pts · high 3.97% / low 3.96%
3.46%3.97%4.47%Sep 21, 2026: 3.96% APYSep 25, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 21, 20263.96%first recorded

West Valley City 36 Month CD Rates

National 36 Month CD Average2.76% APY▼ 0.01% 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%
3432 W 3500 S, West Valley City, UT 84119
36 month Certificate (CD)
$0
4.20% ▲ 1.44% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.44% above avg
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, 2026Sep 28, 2026
  • Sep 25, 20264.20%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Business Jumbo Share Certificates
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Business Share Certificates
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month IRA Jumbo Share Certificates
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Loyalty Rate: 4.07%, Loyalty APY: 4.15%

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
36 Month Jumbo Share Certificates
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Loyalty Rate: 4.07%, Loyalty APY: 4.15%

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 36 Months
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 17, 2026: 4.15% APYSep 17, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
36-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
36-month Certificate
$0
3.90% ▲ 1.14% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.14% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Sep 28, 2026
First Utah Bank
Institution Rating:
F2.3 ★Texas Ratio: 47.47%
3123 S Redwood Rd, West Valley City, UT 84119
36 Month Fixed Rate CD
$500
3.30% ▲ 0.54% above national avg
View
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.54% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 20, 2026: 3.30% APYSep 20, 2026Sep 28, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month CD
$0
4.80% ▲ 2.04% above national avg
View
▼
Rate4.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 2.04% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.60% → 4.80% ▲ 0.20 pts · high 4.80% / low 4.60%
4.10%4.70%5.30%Sep 18, 2026: 4.60% APYSep 24, 2026: 4.80% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.80%▲ from 4.60%
  • Sep 18, 20264.60%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36 Month Certificates of deposit (CDs)
$2,500
4.45% ▲ 1.69% above national avg
View
▼
Rate4.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.69% above avg
Details

Balance: $2,500

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, 2026Sep 28, 2026
  • Sep 27, 20264.45%▲ from 4.40%
  • Sep 18, 20264.40%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
36 Month Certificates of Deposit
$0
4.40% ▲ 1.64% above national avg
View
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.64% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.40% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.40%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.35% ▲ 1.59% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.59% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
Ascent Federal Credit Union
36 Month IRA Certificates of Deposit
$0
4.30% ▲ 1.54% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.54% above avg
Details

VIP Yield

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 21, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 Month Certificate Account
$500
4.25% ▲ 1.49% above national avg
View
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.49% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 21, 2026: 4.25% APYSep 21, 2026Sep 28, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
36 Month Term Share Certificate
$1,000
4.25% ▲ 1.49% above national avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.49% above avg
Details

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

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, 2026Sep 28, 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% ▲ 1.44% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.44% above avg
Details

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, 2026Sep 28, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
36 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.20% ▲ 1.44% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.44% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 18, 2026: 4.05% APYSep 22, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.20%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Ascent Federal Credit Union
36 Month Certificates of Deposit
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
36 Month IRA Certificates of Deposit
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Month Certificate
$500
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.39% above avg
Details

Monthly Paid

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Nebo Credit Union
36 month Certificate (CD)
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3 Year CD
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month CD
$0
4.15% ▲ 1.39% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.39% above avg
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, 2026Sep 28, 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 Certificates
$0
4.10% ▲ 1.34% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
No change since Sep 25, 2026 · 4.10% APY
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
36 Month Regular & IRA Certificate
$500
4.10% ▲ 1.34% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 17, 2026: 4.00% APYSep 25, 2026: 4.10% APYSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.10%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
36 Month Share Certificates (CDs)
$1,000
4.05% ▲ 1.29% above national avg
View
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.29% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.99% → 4.05% ▲ 0.06 pts · high 4.05% / low 3.99%
3.49%4.02%4.55%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Millard County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
36 Month Certificate
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
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, 2026Sep 28, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3 Year High Yield CD
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.24% above avg
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, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Quill Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.58%
36 Month Certificates of deposit
$1,000
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
3 Year CD
$1,000
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 1.24% above avg
Details

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 September 1, 2026. $15 outgoing wire fee. See Disclaimer

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Sep 28, 2026
Nelnet Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
3 Year Certificate
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 1.24% above avg
Details

Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of September 1, 2026. $15 outgoing wire fee. See Disclaimer .

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Elevate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Month Certificate
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
36 Month Share Certificate
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 year CD
$500
4.00% ▲ 1.24% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
3 Year Traditional IRA CD
$500
4.00% ▲ 1.24% above national avg
View
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

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

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, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
36 Month Certificate
$500
4.00% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.24% above avg
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Certificate of Deposit
$1,000
3.99% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 4 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus Certificates
$0
3.97% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: 36 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 36 Month
$0
3.97% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
36 Month Personal Certificates of Deposit
$0
3.96% ▲ 1.20% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 1.20% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Certificate
$0
3.90% ▲ 1.14% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.14% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
3-Year Term Deposit
$0
3.90% ▲ 1.14% above national avg
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 1.14% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3 Year Certificate
$500
3.86% ▲ 1.10% above national avg
View
▼
Rate3.79%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.10% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 4 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificates - Traditional & Roth - 3 Years
$5
3.86% ▲ 1.10% above national avg
View
▼
Rate3.79%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.10% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 4 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Sep 28, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Certificate
$0
3.85% ▲ 1.09% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.09% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Certificates
$0
3.81% ▲ 1.05% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.05% above avg
Details

Balance: $2,500 - $2,499.99

Rate History
No change since Sep 21, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Sep 21, 2026: 3.81% APYSep 21, 2026Sep 28, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CERTIFICATES OF DEPOSIT 36 MONTH CERTIFICATE
$0
3.80% ▲ 1.04% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.04% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Certificate
$0
3.80% ▲ 1.04% above national avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.04% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026

West Valley City 48 Month CD Rates

National 48 Month CD Average2.75% APY▼ 0.02% 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%
3432 W 3500 S, West Valley City, UT 84119
48 month Certificate (CD)
$0
4.25% ▲ 1.50% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.50% above avg
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, 2026Sep 28, 2026
  • Sep 25, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Business Jumbo Share Certificates
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Business Share Certificates
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month IRA Jumbo Share Certificates
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.45% above avg
Details

Loyalty Rate: 4.11%, Loyalty APY: 4.20%

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Month Jumbo Share Certificates
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.45% above avg
Details

Loyalty Rate: 4.11%, Loyalty APY: 4.20%

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 48 Months
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 17, 2026: 4.20% APYSep 17, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
48-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.25% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.25% above avg
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
48-month Certificate
$0
3.90% ▲ 1.15% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.15% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Sep 28, 2026
First Utah Bank
Institution Rating:
F2.3 ★Texas Ratio: 47.47%
3123 S Redwood Rd, West Valley City, UT 84119
48 Month Fixed Rate CD
$500
3.40% ▲ 0.65% above national avg
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.65% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 20, 2026: 3.40% APYSep 20, 2026Sep 28, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month CD
$0
4.90% ▲ 2.15% above national avg
View
▼
Rate4.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 2.15% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.70% → 4.90% ▲ 0.20 pts · high 4.90% / low 4.70%
4.20%4.80%5.40%Sep 18, 2026: 4.70% APYSep 24, 2026: 4.90% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.90%▲ from 4.70%
  • Sep 18, 20264.70%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
48 Month Certificates of Deposit
$0
4.45% ▲ 1.70% above national avg
View
▼
Rate4.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.70% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.45% ▲ 0.40 pts · high 4.45% / low 4.05%
3.55%4.25%4.95%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.45% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.45%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.35% ▲ 1.60% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.60% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
Ascent Federal Credit Union
48 Month IRA Certificates of Deposit
$0
4.30% ▲ 1.55% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.55% above avg
Details

VIP Yield

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 21, 2026: 4.30% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
48 Month Term Share Certificate
$1,000
4.25% ▲ 1.50% above national avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.50% above avg
Details

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

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, 2026Sep 28, 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% ▲ 1.45% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.45% above avg
Details

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, 2026Sep 28, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Month Certificate
$500
4.20% ▲ 1.45% above national avg
View
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.45% above avg
Details

Monthly Paid

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
48 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 18, 2026: 4.05% APYSep 22, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.20%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Nebo Credit Union
48 month Certificate (CD)
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
48 Month Certificates
$0
4.15% ▲ 1.40% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.40% above avg
Details

Rate History
No change since Sep 25, 2026 · 4.15% APY
3.65%4.15%4.65%Sep 25, 2026: 4.15% APYSep 25, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
48 Month Regular & IRA Certificate
$500
4.15% ▲ 1.40% above national avg
View
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.40% above avg
Details

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 17, 2026: 4.00% APYSep 25, 2026: 4.15% APYSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.15%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
Ascent Federal Credit Union
48 Month Certificates of Deposit
$0
4.15% ▲ 1.40% above national avg
View
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
48 Month IRA Certificates of Deposit
$0
4.15% ▲ 1.40% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate
$0
4.15% ▲ 1.40% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.40% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
4.05% ▲ 1.30% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.30% above avg
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
48 Month Share Certificate
$0
4.00% ▲ 1.25% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.25% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 Month Certificate Account
$500
4.00% ▲ 1.25% above national avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.25% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Certificate of Deposit
$1,000
3.99% ▲ 1.24% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.24% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 4 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus Certificates
$0
3.97% ▲ 1.22% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: 48 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 48 Month
$0
3.97% ▲ 1.22% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
48 Month Personal Certificates of Deposit
$0
3.96% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 1.21% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Sep 28, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
48 Month Certificate
$500
3.95% ▲ 1.20% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 1.20% above avg
Details

Automatic Renewal

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
4 Year Certificate
$500
3.90% ▲ 1.15% above national avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificates - Traditional & Roth - 4 Years
$5
3.90% ▲ 1.15% above national avg
View
▼
Rate3.83%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
3.90% ▲ 1.15% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.15% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Affinity First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
48 Month Certificate
$500
3.85% ▲ 1.10% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.10% above avg
Details

1 Bump

Rate History
No change since Sep 27, 2026 · 3.85% APY
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificates
$0
3.81% ▲ 1.06% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.06% above avg
Details

Balance: $2,500 - $2,499.99

Rate History
No change since Sep 21, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Sep 21, 2026: 3.81% APYSep 21, 2026Sep 28, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
4 Year Certificate
$1,000
3.80% ▲ 1.05% above national avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.05% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CERTIFICATES OF DEPOSIT 48 MONTH CERTIFICATE
$0
3.80% ▲ 1.05% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.05% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Sep 28, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
3.80% ▲ 1.05% above national avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.05% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
48 Month Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Sep 28, 2026
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month Regular Certificate
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.00% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Sep 28, 2026
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
48 Month Certificate
$500
3.65% ▲ 0.90% above national avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 0.90% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
Inland Federal Credit Union
48 Month Share Certificates
$0
3.60% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.85% above avg
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Wellspring Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
48 Month Certificate
$0
3.56% ▲ 0.81% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.81% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Sep 28, 2026
Inland Federal Credit Union
48 Month Share Certificates
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details

Balance: $10,000 - $49,999

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Inland Federal Credit Union
48 Month Share Certificates
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.75% above avg
Details

Balance: $2,000 - $9,999

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificate
$0
3.29% ▲ 0.54% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.54% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Sep 28, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
48 Month Share Certificate
$0
3.25% ▲ 0.50% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.50% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Sep 28, 2026
National JACL Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.46%
4 Year Share Certificates - Regular and IRA
$1,000
3.15% ▲ 0.40% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 0.40% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Sep 28, 2026
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
48 Months CD
$500
3.10% ▲ 0.35% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.35% above avg
Details

.25% bonus for Star and Senior Accounts!

Rate History
No change since Sep 28, 2026 · 3.10% APY
2.60%3.10%3.60%Sep 28, 2026: 3.10% APYSep 28, 2026Sep 28, 2026

West Valley City 60 Month CD Rates

National 60 Month CD Average2.84% APYUnchanged 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%
3432 W 3500 S, West Valley City, UT 84119
60 month Certificate (CD)
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.46% above avg
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, 2026Sep 28, 2026
  • Sep 25, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
3253 W 3500 S, West Valley City, UT 84119 2631
60 Month Regular CD
$500
4.30% ▲ 1.46% above national avg
View
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.46% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Business Jumbo Share Certificates
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.46% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Business Share Certificates
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.46% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month IRA Jumbo Share Certificates
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.46% above avg
Details

Loyalty Rate: 4.21%, Loyalty APY: 4.30%

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
60 Month Jumbo Share Certificates
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.46% above avg
Details

Loyalty Rate: 4.21%, Loyalty APY: 4.30%

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Sep 28, 2026
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3999 W Parkway Blvd, West Valley City, UT 84120
IRA Share Certificates - 60 Months
$0
4.30% ▲ 1.46% above national avg
View
▼
Rate4.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.46% above avg
Details

Rate History
No change since Sep 17, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 17, 2026: 4.30% APYSep 17, 2026Sep 28, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
2958 S 5600 W, West Valley City, UT 84120 1310
60 Month Certificate
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
3253 W 3500 S, West Valley City, UT 84119 2631
60 Month Bump-Rate Certificate Accounts
$500
4.15% ▲ 1.31% above national avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 21, 2026: 4.15% APYSep 21, 2026Sep 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
3253 W 3500 S, West Valley City, UT 84119 2631
60 Month Certificate
$500
4.15% ▲ 1.31% above national avg
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
60-month Certificate - GoldStar Membership
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Sep 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.55%
5688 W Parkway Blvd, West Valley City, UT 84128
60-month Certificate
$0
3.90% ▲ 1.06% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.06% above avg
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Sep 28, 2026
First Utah Bank
Institution Rating:
F2.3 ★Texas Ratio: 47.47%
3123 S Redwood Rd, West Valley City, UT 84119
60 Month Fixed Rate CD
$500
3.50% ▲ 0.66% above national avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Sep 28, 2026
Morgan Stanley
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month CD
$0
4.95% ▲ 2.11% above national avg
View
▼
Rate4.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 2.11% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.75% → 4.95% ▲ 0.20 pts · high 4.95% / low 4.75%
4.25%4.85%5.45%Sep 18, 2026: 4.75% APYSep 24, 2026: 4.95% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.95%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Sallie Mae
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Certificates of deposit (CDs)
$2,500
4.50% ▲ 1.66% above national avg
View
▼
Rate4.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.66% above avg
Details

Balance: $2,500

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, 2026Sep 28, 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% ▲ 1.66% above national avg
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.66% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.50% APY
4.00%4.50%5.00%Sep 27, 2026: 4.50% APYSep 27, 2026Sep 28, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.35% ▲ 1.51% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.51% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
Ascent Federal Credit Union
60 Month IRA Certificates of Deposit
$0
4.35% ▲ 1.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.51% above avg
Details

VIP Yield

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 18, 2026: 4.20% APYSep 21, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
  • Sep 21, 20264.35%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Prime Alliance Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.13%
60 Month Certificates of Deposit
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
  • Sep 27, 20264.25%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
CERTIFICATES OF DEPOSIT 60 MONTH CERTIFICATE
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

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

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Month Certificate
$500
4.25% ▲ 1.41% above national avg
View
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.41% above avg
Details

Monthly Paid

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
60 Month Certificates / IRA Certificates / Roth IRA Certificates
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 18, 2026: 4.10% APYSep 22, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
  • Sep 22, 20264.25%▲ from 4.10%
  • Sep 18, 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% ▲ 1.41% above national avg
View
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.41% above avg
Details

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

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, 2026Sep 28, 2026
  • Sep 26, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Nebo Credit Union
60 month Certificate (CD)
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.47%
60 Month CD
$1,000
4.20% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.36% above avg
Details

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, 2026Sep 28, 2026
Ridgeline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
60 Month Certificates
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 25, 2026 · 4.20% APY
3.70%4.20%4.70%Sep 25, 2026: 4.20% APYSep 25, 2026Sep 28, 2026
Local 354 IBEW Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
60 Month Regular & IRA Certificate
$500
4.20% ▲ 1.36% above national avg
View
▼
Rate4.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
1 change since Sep 17, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 17, 2026: 4.10% APYSep 25, 2026: 4.20% APYSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.20%▲ from 4.10%
  • Sep 17, 20264.10%first recorded
Ascent Federal Credit Union
60 Month Certificates of Deposit
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Ascent Federal Credit Union
60 Month IRA Certificates of Deposit
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate
$0
4.20% ▲ 1.36% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Ally Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
5 Year High Yield CD
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.26% above avg
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, 2026Sep 28, 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% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.26% above avg
Details

Automatic Renewal to Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Certificate of Deposit
$1,000
4.10% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Central Bank Provo, UT
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
60 Month Personal Certificates of Deposit
$0
4.06% ▲ 1.22% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 1.22% above avg
Details

Balance: $500+

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
5 Year Certificate
$1,000
4.06% ▲ 1.22% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.22% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Logan Medical Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.34%
60 Month Share Certificate
$0
4.05% ▲ 1.21% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Devils Slide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60 Month Share Certificates (CDs)
$1,000
4.05% ▲ 1.21% above national avg
View
▼
Rate3.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.99% → 4.05% ▲ 0.06 pts · high 4.05% / low 3.99%
3.49%4.02%4.55%Sep 14, 2026: 3.99% APYSep 18, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.05%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 Month Certificate Account
$500
4.05% ▲ 1.21% above national avg
View
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Sep 21, 2026: 4.05% APYSep 21, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
5 year CD
$500
4.05% ▲ 1.21% above national avg
View
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.74%
5 Year Traditional IRA CD
$500
4.05% ▲ 1.21% above national avg
View
▼
Rate3.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details

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

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Inland Federal Credit Union
60 Month Share Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $50,000+

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, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
5 Year Certificate
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
IRA Certificates - Traditional & Roth - 5 Years
$5
4.00% ▲ 1.16% above national avg
View
▼
Rate3.92%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: 60 Month

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 60 Month
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $40,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Pacific Horizon Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
5-Year Jump Term Deposit
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
5 Year Step-Up CD
$1,000
3.96% ▲ 1.12% above national avg
View
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.12% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Sep 28, 2026
Inland Federal Credit Union
60 Month Share Certificates
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.11% above avg
Details

Balance: $10,000 - $49,999

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month Certificate
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.11% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month HSA Certificate
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.11% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 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 West Valley City, Utah Institutions

Highest verified APYs available today, updated September 28, 2026

B Top 5 Bank Rates
First Utah Bank
60 Month Fixed Rate CD
F 2.3 ★ TX: 47.47%
Min: $500
3.50%
Wells Fargo
1 year Standard Fixed Rate CD - Relationship
A 5.0 ★ TX: 6.32%
Min: $2,500
1.51%
Morgan Stanley
60 Month CD
A+ 5.0 ★ TX: 2.86%
Min: $0
4.95%
Sallie Mae
60 Month Certificates of deposit (CDs)
A+ 5.0 ★ TX: 4.70%
Min: $2,500
4.50%
Prime Alliance Bank
48 Month Certificates of Deposit
A 5.0 ★ TX: 12.13%
Min: $0
4.45%
CU Top 5 Credit Union Rates
Cyprus Federal Credit Union
60 month Certificate (CD)
A+ 5.0 ★ TX: 2.73%
Min: $0
4.30%
America First Federal Credit Union
60 Month Regular CD
A 5.0 ★ TX: 8.33%
Min: $500
4.30%
Deseret First Federal Credit Union
60 Month Business Jumbo Share Certificates
A 5.0 ★ TX: 6.76%
Min: $0
4.30%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.25%
American United Federal Credit Union
12-month Certificate - GoldStar Membership
A 5.0 ★ TX: 7.55%
Min: $0
4.00%
Rates verified September 28, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

West Valley City, UT CD Rate Trends

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

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

View Full Utah CD Trends
12-Month CD UT Avg
2.942%
▼ 0.010 vs 7 days ago

Utah 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.

6-Month CD UT Avg
2.768%
▲ 0.001 vs 7 days ago

Utah 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

UT CD Rate Forecast, Next 12 Months

Where are Utah CD rates headed through September 2027?

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

UT 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%

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 1.43% 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.

Powered by MonitorBankRates

What Your Savings Earn at UT CD Rates Today

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

CD Term UT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.076% $103.80 $207.59 $518.98 $1,037.95
6-Month CD 2.768% $138.39 $276.78 $691.95 $1,383.90
12-Month CD 2.942% $147.08 $294.15 $735.38 $1,470.75
18-Month CD 2.817% $140.84 $281.67 $704.18 $1,408.35
24-Month CD 2.836% $141.82 $283.64 $709.10 $1,418.20
36-Month CD 2.757% $137.86 $275.71 $689.28 $1,378.55
48-Month CD 2.751% $137.54 $275.08 $687.70 $1,375.40
60-Month CD 2.843% $142.17 $284.33 $710.83 $1,421.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 2026.

Sample CD Ladder for West Valley City, Utah Savers

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

Build Your Ladder
Rung Term Deposit UT Avg APY Annual Earnings
1 3-Month CD $5,000 2.076% $103.80
2 6-Month CD $5,000 2.768% $138.39
3 12-Month CD $5,000 2.942% $147.08
4 24-Month CD $5,000 2.836% $141.82
5 36-Month CD $5,000 2.757% $137.86
Total ($25,000 invested) $25,000 2.676% blended $668.95/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.

578
CD Rates
Tracked in West Valley City, Utah
28 Banks 48 Credit Unions

About Our West Valley City, Utah CD Rate Database

MonitorBankRates tracks 578 CD rates from 28 banks and 48 credit unions with locations in West Valley City, Utah, plus national online institutions available to Utah residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Cyprus Federal Credit Union offers a CD at 4.30% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in West Valley City, Utah.

How to Find the Best CD Rates in West Valley City, Utah

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

To find the best APYs in West Valley City, Utah, start with credit unions and online-only banks: West Valley City, Utah has 48 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 West Valley City, Utah

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in West Valley City, Utah: 76 institutions here report CD rates

Consider an Alternative If…

Utah Financial Snapshot

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

Population 65+
11.9%
National avg: 17.3%
Median Individual Earnings
$43,714
National avg: $47,340
Poverty Rate
8.5%
National avg: 11.1%
Unemployment Rate
3.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$129/yr
At UT 12-mo avg 2.942% APY

11.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy. At today’s UT 12-month CD average of 2.942%, saving 10% of the local median salary ($4,371/year) and putting it in a CD would earn an additional $129 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 West Valley City, Utah

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

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

How Certificates of Deposit Work in West Valley City, 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 West Valley City, 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 West Valley City, Utah as everywhere in the U.S.

Choosing a CD Term in West Valley City, 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 West Valley City, Utah savers easier access to their funds. For example, American United Federal Credit Union is offering its 6-month Certificate - GoldStar Membership at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Cyprus Federal Credit Union is offering its 60 month Certificate (CD) at 4.30% 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 West Valley City, 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 West Valley City, 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 West Valley City, 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 West Valley City, 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 West Valley City, Utah

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

Are CD rates in West Valley City, Utah FDIC insured?

Yes, most established banks in West Valley City, Utah are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in West Valley City, Utah?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in West Valley City, Utah.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in West Valley City, Utah may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in West Valley City, Utah?

Here are recent top rates found for this area:
  • Cyprus Federal Credit Union: 4.30% APY (60 month Certificate (CD))
  • America First Federal Credit Union: 4.30% APY (60 Month Regular CD)
  • Deseret First Federal Credit Union: 4.30% APY (60 Month Business Jumbo Share Certificates)
  • Mountain America Federal Credit Union: 4.25% APY (24 Month Certificate)
  • American United Federal Credit Union: 4.00% APY (12-month Certificate - GoldStar Membership)
  • First Utah Bank: 3.50% APY (60 Month Fixed Rate CD)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
  • P&S Credit Union: 5.00% APY (12 Month Certificate - STUDENT Accounts)
  • Morgan Stanley: 4.95% APY (60 Month CD)
  • Sallie Mae: 4.50% APY (60 Month Certificates of deposit (CDs))
Rates reflect recent verified offers available in West Valley City, Utah. Last Updated: September 28, 2026

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

Interest at Maturity
$0
Ending Balance
$0
Matures
—

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

Top West Valley City, Utah CD Rates by Term

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

CD Calculators for West Valley City, Utah

West Valley City, Utah CD Calculator

At today’s UT top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.

West Valley City, Utah CD Ladder

UT CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a West Valley City, Utah CD at 4.30% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Utah’s average 12-month CD is 2.942% 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 West Valley City, 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 West Valley City, Utah directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By 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 West Valley City, Utah. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in UT.

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

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

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